KR101049556B1 - Method and system for payment of school expenses through electronic voucher and recording medium therefor - Google Patents

Abstract

The present invention relates to a method and system for payment of school expenses through an electronic voucher and a recording medium therefor. The method for paying school expenses through an electronic voucher according to the present invention, when the student loan is approved for a scholarship fund operated by a scholarship foundation, The personal information of the customer whose loan is authorized-including at least one name, social security number, and mobile phone number;-the information at school-including at least one university code, one or more student ID numbers;-loan information-the student loan institution, loan application date, Combining and encrypting (or hashing) two or more pieces of configuration information constituting an application amount and an approval amount according to a predetermined combination method to generate a financial aid electronic voucher authentication code; and the generated financial aid electronic After providing the voucher authentication code to the customer's mobile phone, when the student pays the student's payment, Receiving and verifying the financial support electronic voucher authentication code from the school and verifying the validity of payment of the school loan through the financial support e-voucher; and when the student loan validity is verified, open and operate a scholarship fund operating account of the scholarship foundation; Providing the financial aid electronic voucher to a financial institution server operating a storage agency of a university corresponding to the enrollment information; and among the amounts deposited in the scholarship fund operating account through the financial support electronic voucher at the financial institution server And paying the approved amount corresponding to the loan information to the college corresponding to the enrollment information.

Voucher, school expenses

Description

System and Method for Processing Payment by Proxy using Electric Voucher and Recording Medium}

1 is a view showing a student loan payment system configuration through an electronic voucher according to an embodiment of the present invention.

2 is a diagram illustrating a structure of a financial aid electronic voucher authentication code in accordance with an embodiment of the present invention.

3 is a diagram illustrating a process of operating a financial aid electronic voucher according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process for operating a financial aid voucher according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a process for requesting payment of a student loan through a school loan support electronic voucher according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a payment process through a school expenses support electronic voucher according to an exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a payment process through a school expenses support electronic voucher according to another embodiment of the present invention.

<Description of main parts of drawing>

100: student loan system 105: student loan system

110: electronic voucher generating means 115: authentication code generation means

120: authentication code providing means 125: authentication code receiving means

130: verification code generation means 135: validity authentication means

140: storage medium 145: code authentication means

150: electronic voucher providing means 155: financial company server

160: electronic voucher receiving unit 165: virtual account opening unit

170: student loan processing unit 175: ledger

180: student storage terminal

The present invention, when the student loan approved for the scholarship fund operated by the Scholarship Foundation, the personal information of the student approved for the student loan-including one or more names, social security number, mobile phone number, and student information-University code And combine or encrypt (or hash) two or more pieces of information, including one or more student ID numbers, and loan information, including one or more loan information, loan application date, application amount, and approval amount. Generating a financial aid electronic voucher authentication code, and providing the generated financial loan authorization code to the customer's mobile phone and requesting payment of the financial loan from the customer, and receiving the financial aid electronic voucher authentication code from the financial storage terminal. Receiving and verifying the validity of the payment for the student loan through the school loan support electronic voucher; At the time of the lead validation, opening and operating a scholarship fund operation account of the scholarship foundation, and providing the financial aid electronic voucher to a financial institution server operating a storage agency of a university corresponding to the enrollment information; The payment method for the payment through the electronic voucher comprising the step of paying the credit amount corresponding to the loan information of the amount deposited in the scholarship fund operating account through the financial support electronic voucher to the university corresponding to the enrollment information will be.

As the quality of university education improves, university tuition also rises every year, and the rate of college tuition rises almost annually inflation rate for the year, so it is necessary for student loans for the middle class to complete the university education normally.

However, a conventional student loan is made through a process of paying the student loan to the university when the student loan institution (for example, the scholarship foundation) provides the student loan directly to the student applying for the student loan (for example, a university student). In the course of passing the student funds through the customer, the student money is frequently exploited for purposes other than the original use due to the personal circumstances of the customer or the intervention of a third party.

In order to solve this problem, the only solution is to provide the student loan loan directly to the college that receives the tuition, but in this case, in the process of providing the loan to a third party (= university) instead of the loan applicant, In order to prevent the accident, the process is complicated even if the client approves the payment of the loan directly from the student loan institution to the university without going through the customer. Inconvenience to face-to-face authentication exists.

An object of the present invention for solving the above problems, when the student loan approved for the scholarship fund operated by the Scholarship Foundation, the personal information of the customer approved the student loan-including one or more name, resident number, mobile phone number- Pre-set combination method of two or more pieces of configuration information, including student information-including college code, student number, at least one-and loan information-student loan institution, loan application date, application amount, and approval amount In accordance with the combination and encryption (or hash) in accordance with the authentication code generation means for generating a financial support electronic voucher authentication code, and the student loan authentication code provided to the mobile phone of the customer, when the request for payment from the customer, Receiving and verifying the financial support electronic voucher authentication code from the student storage terminal through the financial support electronic voucher Validation means for verifying the validity of the payment of funds, and when the student loans validity verification, the financial institution server to open and operate a scholarship fund operating account of the scholarship foundation, and to operate the storage agency of the university corresponding to the enrollment information; And an electronic voucher providing means for providing a financial aid electronic voucher, wherein the financial institution server sends an approved amount corresponding to the loan information among the amounts deposited in the scholarship fund operating account through the financial assistance electronic voucher to the enrollment information. It is to provide a student loan system through an electronic voucher to the corresponding university.

It is an object of the present invention to convert a student loan into a student aid voucher, thereby processing the student loan through the student loan so that it is used only for the purpose defined in the student loan assistance voucher (e.g. tuition payment). It is convenient to manage student loans through the Internet without course or face-to-face authentication, and to be used only for payment of tuition fees without receiving payments or transfers to customer accounts.

The student loan payment method through the electronic voucher according to the present invention, when the student loan approved for the scholarship fund operated by the Scholarship Foundation, the student loan approved personal information-name, resident number, mobile phone number Pre-set combination of two or more pieces of configuration information constituting the student's enrollment information, including the university code and the student number, and the loan information including the student loan institution, loan application date, application amount and approval amount. Combining and encrypting (or hashing) in accordance with the method to generate a financial aid electronic voucher authentication code, and providing the generated financial aid electronic voucher authentication code to the customer's mobile phone and requesting the student to pay for the school expenses. Receiving and verifying the financial aid electronic voucher authentication code from the receiving terminal to receive the financial aid electronic voucher Certifying the student loan validity, and upon verifying the student loan validity, open and operate a scholarship fund operating account of the scholarship foundation, and operate the school accounting agency corresponding to the student information. Providing a support electronic voucher, and paying the approved amount corresponding to the loan information among the amounts deposited in the scholarship fund operating account through the financial support electronic voucher at the financial institution server to the university corresponding to the enrollment information Characterized in that comprises a.

In accordance with the present invention, a method for paying a student loan through an electronic voucher includes: opening a virtual account of a client name applying for the student loan using a tuition payment account of a university corresponding to the student loan-supported electronic voucher and the virtual account; And depositing the approved amount into the tuition payment account.

In the method of paying the student loan through the electronic voucher according to the present invention, the step of authenticating the validity of the student loan through the student loan support electronic voucher may include: When the student loan electronic voucher authentication code comprises a data code and a check digit, And separating the data code and the check digit from the electronic voucher authentication code, and authenticating the validity of the data code through the check digit.

In the method for paying the student loan through the electronic voucher according to the present invention, the step of authenticating the student loan validity through the student loan support electronic voucher includes the steps of: providing the generated student loan support code to the customer's mobile phone; Receiving the financial aid e-voucher authentication code from the student terminal for receiving the financial expenses, the request for payment of the student's financial expenses, and two or more used to generate the financial aid electronic voucher authentication code of the information constituting the financial aid electronic voucher Verifying the voucher configuration information, combining and encrypting (or hashing) the confirmed voucher configuration information in the same combination method to generate a financial aid verification code; and the financial aid electronic voucher authentication code and the financial aid verification Further includes comparing the code Characterized in that W is made.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the student loan payment method through the above-described electronic voucher recorded.

On the other hand, the student loan payment system through the electronic voucher according to the present invention, when the student loan approval for the scholarship fund operated by the Scholarship Foundation, the student's personal information-name, social security number, mobile phone number is approved It includes two or more pieces of information, including the above-mentioned information, the school information-the university code, one or more student numbers,-and the loan information-the school loan institution, the loan application date, the application amount, and the amount of approval. Authentication code generation means for generating a financial aid electronic voucher authentication code by combining and encrypting (or hashing) according to the set combination method, and providing the generated financial aid electronic voucher authentication code to the mobile phone of the customer and then the student funds from the customer Upon request for payment, receiving the financial aid electronic voucher authentication code from the student terminal for payment, and supporting the financial aid Validation means for verifying the student loan validity through the financial aid e-voucher by generating and comparing the student loan verification code matching the Java voucher authentication code, and the scholarship fund operating account of the scholarship foundation And an electronic voucher providing means for providing the student loan support electronic voucher to a financial company server that opens and operates, and operates a storage agency of a university corresponding to the enrollment information. Characterized in that the amount of the deposit deposited in the scholarship fund operating account through the support electronic voucher corresponding to the loan information to the university corresponding to the student information.

In the student loan payment system through the electronic voucher according to the present invention, when the financial aid electronic voucher authentication code is composed of a data code and a check digit, separate the data code and the check digit from the financial support electronic voucher authentication code, the check digit It characterized in that it further comprises a code authentication means for authenticating the validity of the data code through.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It's just

1 is a diagram showing the structure of the school loan system 100 through the electronic voucher according to the embodiment of the present invention.

In more detail, Figure 1 shows that the student loan student (for example, a university student) applies for the student loan for the scholarship fund operated by the Scholarship Foundation online, and then the student loan is approved. By converting into a voucher and processing the loaned student loans to the university, there is shown a student loan system 100 through the electronic voucher that processes the student to pay the student loans without receiving the bank visit and loan payment or transfer to the customer account. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some components) of the payment system 100 through the electronic voucher may be omitted by referring to and / or modifying the drawing. Or subdivided or combined methods of implementation), It is made, including any exemplary method inferred group, is not limited that the technical features of only the exemplary method shown in the figure 1.

Referring to Figure 1, the student loan payment system 100 through the electronic voucher, if the student loan application customers apply for student loans for scholarship funds operated by the Scholarship Foundation online, according to the predefined student loan procedures In connection with the student loan system 105 that examines and approves the student loan, personal information of the customer whose student loan is approved (eg, including one or more of a name, social security number, and a mobile phone number) and student information (eg, Check the college code, one or more student IDs), loan information (for example, the student loan institution (= Scholarship Foundation), loan application date, application amount, one or more authorization amount), Electronic voucher generating means 110 for generating a student-funded electronic voucher containing at least one student information, loan information, and two or more constituting the student-funded electronic voucher Authentication code generation means 115 for combining the voucher configuration information according to a predetermined combination method, and encrypting (or hashing) according to a predetermined encryption (or hash) method to generate a student support electronic voucher authentication code, and the generated Authentication code providing means for providing a financial aid electronic voucher authentication code to the mobile phone of the customer 120, and the request to receive the financial aid electronic voucher authentication code from the student storage terminal 180, the request for payment of the student's school expenses Check the code receiving means 125 and two or more voucher configuration information used to generate the financial aid voucher authentication code of the information constituting the financial aid electronic voucher, and the confirmed voucher configuration information and the combination method and Validation that combines and encrypts (or hashes) the same combination to generate financial aid verification codes Code generation means 130, the validity authentication means 135 for comparing the financial support electronic voucher authentication code and the financial support verification code to authenticate the financial support validity, and the financial aid support electronic voucher at the time of the financial support validity authentication And an electronic voucher providing means 150 for opening and operating a scholarship fund operating account of the scholarship foundation and providing the financial company server 155 to operate a storage agency of a university corresponding to the enrollment information. When the financial aid electronic voucher authentication code is composed of a data code and a check digit, characterized in that it further comprises a code authentication means 145 for authenticating the data code validity through the check digit.

Student Loan Application When a customer applies for a student loan for a scholarship fund operated by the Scholarship Foundation online, the student loan system 105 examines the student loan according to a predefined student loan procedure to determine whether the student loan is made. When the student loan is approved, personal information (eg, one or more of a name, social security number, mobile phone number) of the customer whose student loan has been approved by the student loan system 100 through the electronic voucher, It provides information on enrollment (e.g. university code, one or more student IDs) and loan information (e.g., student loan institution (= scholarship foundation), loan application date, application amount, one or more authorization amount). Correspondingly, the electronic voucher generating means 110 checks the personal information, the student information, the loan information of the customer whose student loan has been approved, and the personal information of the customer. And the enrollment information, loan information, characterized in that it created a financial aid electronic voucher containing more than one.

Here, the student loan support electronic voucher, the electronic slip containing the personal information, student information, loan information of the customer approved for the student loan in accordance with a predetermined format, or the preset data of the personal information, school information, loan information A data block included in the structure, wherein the student loan institution (= Scholarship Foundation) supports an amount corresponding to the loan information to the customer corresponding to the personal information to pay the college fee corresponding to the student information. Characterized in that it is characterized in that, according to the intention of those skilled in the art, the financial aid electronic voucher is preferably generated in the form of an electronic document attached to the electronic signature of the student loan institution (= Scholarship Foundation).

When the financial aid electronic voucher including one or more personal information, student information, loan information of the approved student loans is generated, the authentication code generating means 115, two or more vouchers constituting the financial aid electronic voucher Combining the configuration information according to a predetermined combination method, and characterized in that the combination voucher configuration information is encrypted (or hashed) according to a predetermined encryption (or hash) method to generate a financial aid electronic voucher authentication code.

Here, the financial aid electronic voucher authentication code is a data block consisting of a plurality of nibbles (Digit), Digit, Byte, the two or more voucher configuration information constituting the financial aid electronic voucher A data code of N (N> 1) digits (e.g., N nibbles, N digits, N bytes) combined and encrypted (or hashed) according to the scheme, and a check digit for verifying the data code. Preferably, the check digit is valid for a data code of N (N> 1) digits that combines and encrypts (or hashes) two or more voucher configuration information constituting the financial aid electronic voucher according to a preset method. In order to confirm, the data code may include a code value obtained by bit operation (for example, XOR operation) for each preset check unit. And may be omitted according to the intention of those skilled in the art.

According to the implementation method of the present invention, the financial aid electronic voucher authentication code, combining two or more identical voucher configuration information constituting the financial aid electronic voucher according to the same combination method, and encrypted according to the same encryption (or hash) method (Or hash), the same data code is generated.

According to one embodiment of the invention, the financial aid electronic voucher authentication code, it is preferable to include a code capable of key input, including one or more numbers, letters, symbols.

According to another exemplary embodiment of the present invention, the financial aid electronic voucher authentication code comprises image data (eg, barcode, two-dimensional barcode, etc.) encoding a code value generated through the encryption (or hash). It is preferable.

According to the implementation method of the present invention, the authentication code generating means 115, to generate the financial aid electronic voucher authentication code of each voucher configuration information constituting the financial aid electronic voucher of the customer approved the student loan It is desirable to dynamically identify (or determine) two or more voucher configuration information to be combined, so that the generated financial aid electronic voucher authentication code is generated differently even if the same customer repeats the same financial aid.

According to another embodiment of the present invention, when the financial aid electronic voucher authentication code generation target voucher configuration information is fixed, it may be omitted to dynamically check (or determine) the voucher configuration information in the authentication code generating means 115. In this case, it is preferable that the voucher configuration information for generating the financial aid electronic voucher authentication code includes a time value (for example, a loan application date or a time point at the time of generation of the financial aid electronic voucher authentication code).

According to an embodiment of the present invention, the authentication code generating means 115 includes at least two pieces of configuration information to be combined to generate the financial aid electronic voucher authentication code among the voucher configuration information constituting the financial aid electronic voucher. It is desirable to dynamically identify (or determine) the information combination method, so that the generated financial aid electronic voucher authentication code is generated differently even if the same customer repeats the same financial aid.

According to an embodiment of the present invention, the authentication code generating means 115 is configured to combine the voucher configuration information to generate the Java voucher authentication code before the financial support of each voucher configuration information constituting the financial support electronic voucher. It is possible to dynamically identify (or determine) the encryption (or hash) scheme for the present invention, whereby the present invention is not limited.

When the financial support electronic voucher authentication code is generated, the authentication code providing means 120 checks the mobile phone information of the financial support customer from the personal information, the financial support electronic voucher to the mobile phone of the customer via a wireless network Characterized in that the transmission of the authentication code.

A terminal provided in a customer terminal connected to a communication network or a student storage bank (for example, a bank (branch) that operates a storage agency of a university (school) that receives school expenses) the customer who has received the financial support electronic voucher authentication code; Or requesting payment of a student's payment through a student's payment terminal 180 including one or more terminals provided in a university (school) that receives the student's school expenses, and transmitting the student's financial aid electronic voucher authentication code. 125 is characterized in that for receiving the financial aid electronic voucher authentication code from the student housing terminal 180 through a communication network.

In accordance with an embodiment of the present invention, when the student housing terminal 180 is the customer terminal, the authentication code receiving unit 125 preferably comprises a student storage web server connected to the customer terminal, When the student storage terminal 180 is a terminal provided in the student storage bank, the authentication code receiving means 125 preferably comprises a financial company server 155 provided in the student storage bank, the student money When the receiving terminal 180 is a terminal provided in a university (school) for storing the academic class, the authentication code receiving means 125 is a server provided in the university (school), or the university (school) It is preferable to include a financial company server 155 for operating the storage agency of the.

When the school expenses support electronic voucher authentication code including the data code and the check digit is received from the school expenses receiving terminal 180, the code authentication means 145 may include a data code included in the school expenses support electronic voucher authentication code. Separating a check digit, generating a code value by performing a bit operation (for example, an XOR operation) on the data code for each preset check unit, comparing the generated code value with the check digit to the financial aid electronic voucher authentication code. Characterize that the included data code is valid.

According to an embodiment of the present invention, the function of separating the data code and the check digit included in the financial aid electronic voucher authentication code in the code authentication means 145, and authenticating the data code validity through the check digit is It may be provided in the student housing terminal 180, in this case, the code authentication means 145, it is possible to receive and read the data code validity authentication results from the student housing terminal 180.

In addition, when the financial aid electronic voucher authentication code including the data code and the check digit is received from the financial accommodation terminal 180, the verification code generating means 130 receives the financial aid electronic voucher authentication code Confirming the student's financial aid electronic voucher, and confirming two or more voucher configuration information used to generate the financial aid electronic voucher authentication code among the information constituting the financial aid electronic voucher; The information is combined in the same combination as the method of generating the financial aid electronic voucher authentication code, and encrypted (or hashed) using the same encryption (or hash) method as the encryption (or hash) method of generating the financial aid electronic voucher authentication code. Hash) to generate financial aid verification code .

Here, the financial aid verification code, combines two or more identical voucher configuration information used to generate the financial aid electronic voucher authentication code according to the same combination method, and encrypt (or hash) according to the same encryption (or hash) method It is preferable to include one data code.

The validity authentication means 135, separates the data code from the financial aid electronic voucher authentication code (but, if the financial aid electronic voucher authentication code does not include a check digit can use the financial aid electronic voucher authentication code as it is) And comparing the financial aid verification code generated by the data code with the verification code generating means 130 to authenticate the financial aid validity.

If the financial aid support validity is authenticated by comparing the financial aid electronic voucher authentication code and the financial aid verification code, the electronic voucher providing means 150 opens and operates a scholarship fund operating account of the scholarship foundation, The financial institution server 155 is provided with a financial institution server 155 operating a storage agency of the university corresponding to the information, the financial company server 155 is a tuition payment corresponding to the purpose of the financial aid electronic voucher. Characterized in processing financial transactions.

Referring to FIG. 1, the financial company server 155 may include an electronic voucher receiving unit 160 that receives the school expenses support electronic voucher from the school expenses payment system 100, and a school loan institution included in the school expenses support electronic voucher ( Scholarship Foundation) Tuition deposit account of the university corresponding to the university code included in the financial aid electronic voucher by withdrawing the loan approval amount included in the financial aid electronic voucher among the scholarship funds deposited in the scholarship fund operating account opened under the name It is characterized in that it comprises a student payment processing unit 170 for processing the payment for tuition payment to the transfer, when the student payment processing through the school expenses support electronic voucher, the tuition payment account of the university corresponding to the school expenses support electronic voucher A virtual account opening a virtual account in the name of the customer who applied for the student loan Characterized in that it further comprises a unit 165, when the virtual account is opened, the student loan payment processing unit 170 transfers the amount withdrawn from the scholarship fund operating account to the virtual account and deposits in the tuition payment account It is characterized by processing as possible.

When the student voucher support electronic voucher is provided by the electronic voucher providing means 150 of the student loan payment system 100, the electronic voucher receiver 160 receives the student loan electronic voucher, and the student loan voucher 170, Read the received financial aid electronic voucher to confirm the amount of loan approved by the student loan institution (= Scholarship Foundation) to the customer, and opened in the name of the student loan institution (= Scholarship Foundation) from the director of the financial institution (175) The scholarship fund management account, and the tuition payment account corresponding to the university code that the customer is attending.

Subsequently, the student loan payment processing unit 170, from the scholarship fund deposited in the scholarship fund operating account opened in the name of the student loan institution (= scholarship foundation) included in the student loan support electronic voucher through the ledger 175 Withdraw the loan approval amount (= student support amount) included in the support e-voucher, and process the payment of tuition payment to transfer the withdrawal amount to the tuition payment account of the university corresponding to the university code included in the student support e-voucher. Characterized in that, the creditor for the financial aid electronic voucher is set as the student loan institution (= scholarship foundation), and set the debtor as the customer to register in the ledger 175.

According to the implementation method of the present invention, when confirming the tuition payment account corresponding to the tuition support electronic voucher, the virtual account opening unit 165, the virtual account of the name of the customer who applied for the tuition loan with the tuition payment account as the parent account It characterized in that the opening, the student payment processing unit 170, characterized in that the processing to be deposited in the tuition payment account by transferring the amount withdrawn from the scholarship fund operating account to the virtual account.

2 is a diagram illustrating the structure of the financial aid electronic voucher authentication code in accordance with an embodiment of the present invention.

In more detail, Figure 2 includes one or more personal information, student information, loan information provided from the customer or generated in the student loan system 105 in the course of the student loan application process through the student loan system 105 The generated financial aid electronic voucher composition and two or more voucher configuration information constituting the financial aid electronic voucher are combined according to a preset combination method, and the combined voucher configuration information is encrypted according to a preset encryption (or hash) method. Or a hash) to illustrate the financial aid electronic voucher authentication code generated by those skilled in the art to which the present invention pertains. It will be possible to infer various implementation methods for the present invention, but the present invention It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the student loan support electronic voucher is provided from the customer during the student loan application process through the student loan system 105, or the personal information, student information, and loan generated by the student loan system 105. An electronic slip containing one or more pieces of information, including the personal information, the school enrollment information, and the loan information according to a predetermined format, or a data block including the personal information, the school enrollment information, and the loan information in a preset data structure. do.

According to the implementation method of the present invention, the financial aid electronic voucher corresponds to the loan information with the school loan to be paid to the college corresponding to the student information to the customer corresponding to the personal information in the student loan institution (= Scholarship Foundation) The financial support electronic voucher is generated in the form of an electronic document attached to the electronic signature of the financial loan institution (= Scholarship Foundation) according to the intention of the skilled person.

Here, the financial aid electronic voucher authentication code is a data block consisting of a plurality of nibble, digits, bytes, and two or more voucher configuration information constituting the financial aid electronic voucher is set in advance. A data code of N (N> 1) digits (e.g., N nibbles, N digits, N bytes) combined and encrypted (or hashed) according to the scheme, and a check digit for verifying the data code. Preferably, the check digit is valid for a data code of N (N> 1) digits that combines and encrypts (or hashes) two or more voucher configuration information constituting the financial aid electronic voucher according to a preset method. In order to confirm, the data code may include a code value obtained by bit operation (for example, XOR operation) for each preset check unit. Do.

According to one embodiment of the invention, the financial aid electronic voucher authentication code, it is preferable to include a code capable of key input, including one or more numbers, letters, symbols.

According to another exemplary embodiment of the present invention, the financial aid electronic voucher authentication code comprises image data (eg, barcode, two-dimensional barcode, etc.) encoding a code value generated through the encryption (or hash). It is preferable.

3 is a diagram illustrating a process of operating a financial aid voucher according to an embodiment of the present invention.

In more detail, Figure 3 shows that the student loan application customer (for example, a university student) applies for the student loan for the scholarship fund operated by the Scholarship Foundation online, and then the student loan is approved. The process of converting to a voucher and generating a student-supported electronic voucher authentication code for verifying the payment of the student loan through the student loan is provided to the customer's mobile phone, and the general knowledge in the technical field to which the present invention belongs. Those of ordinary skill in the art may refer to and / or modify this drawing 3 to infer various implementation methods (e.g., some steps may be omitted or the order may be changed) for the financial aid voucher operation process. The invention includes all the implementation methods inferred, and the implementation shown in FIG. The technical features are not limited only by the method.

Hereinafter, the student loan payment system 100 shown in FIG. 1 in FIG. 3 is referred to as a "server" for convenience.

Referring to FIG. 3, the student applying for a student loan applies for the student loan for the scholarship fund operated by the scholarship foundation online, and examines the student loan according to the student loan procedure defined in the student loan system 105. By approving the student loan, the server receives the personal information of the customer whose student loan is approved from the student loan system 105 (eg, includes one or more names, social security numbers, and mobile phone numbers), and student information (for example, Check the loan information (eg, the student loan institution (= Scholarship Foundation), the loan application date, the application amount, and the approval amount) (300), the individual A financial aid-assisted electronic voucher including one or more information, enrollment information, and loan information is generated (305).

Here, the student loan support electronic voucher, the electronic slip containing the personal information, student information, loan information of the customer approved for the student loan in accordance with a predetermined format, or the preset data of the personal information, school information, loan information A data block included in the structure, wherein the student loan institution (= Scholarship Foundation) supports an amount corresponding to the loan information to the customer corresponding to the personal information to pay the college fee corresponding to the student information. Characterized in that it is characterized in that, according to the intention of those skilled in the art, the financial aid electronic voucher is preferably generated in the form of an electronic document attached to the electronic signature of the student loan institution (= Scholarship Foundation).

If a student-funded electronic voucher for converting the student loan into a student-funded electronic voucher is generated (310), the server combines two or more voucher configuration information constituting the student-funded electronic voucher according to a preset combination method, The combined voucher configuration information is encrypted (or hashed) according to a predetermined encryption (or hash) scheme to generate a financial aid electronic voucher authentication code (315).

Here, the financial aid electronic voucher authentication code is a data block composed of a plurality of nibbles, digits, bytes, and the like, and includes two or more voucher configuration information constituting the financial aid electronic voucher. A data code of N (N> 1) digits (e.g., N nibbles, N digits, N bytes) combined and encrypted (or hashed) according to a set scheme, and a check digit that verifies the data code. It is preferable to make.

According to one embodiment of the invention, the financial aid electronic voucher authentication code, it is preferable to include a code capable of key input, including one or more numbers, letters, symbols.

According to another exemplary embodiment of the present invention, the financial aid electronic voucher authentication code comprises image data (eg, barcode, two-dimensional barcode, etc.) encoding a code value generated through the encryption (or hash). It is preferable.

If the financial aid electronic voucher authentication code is generated (320), the server provides the generated financial aid electronic voucher authentication code to the customer's mobile phone (325).

4 is a diagram illustrating a process of operating a financial aid voucher according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a process of dynamically determining the voucher configuration information included in the financial aid e-voucher authentication code, a combination of information, and an encryption (or hash) method in the course of operating the financial aid electronic voucher shown in FIG. Further showing the financial aid voucher operation process that includes, if you have ordinary knowledge in the technical field to which the present invention belongs, various implementations of the financial aid voucher operation process by referring to and / or modified in the present drawing. It is possible to infer a method (e.g., a method for which some steps have been omitted or the order has been changed), but the present invention includes all the method of inferring the above, and the technical method is described only by the method shown in FIG. Features are not limited.

Hereinafter, the student loan payment system 100 shown in FIG. 1 in FIG. 4 is referred to as "server" for convenience.

Referring to FIG. 4, the student applying for a student loan applies for the student loan for the scholarship fund operated by the scholarship foundation online, and examines the student loan according to the student loan procedure defined in the student loan system 105. By approving the student loan, the server receives the personal information of the customer whose student loan is approved from the student loan system 105 (eg, includes one or more names, social security numbers, and mobile phone numbers), and student information (for example, , The student's college code, one or more student IDs), and loan information (eg, student loan institution (= scholarship foundation), loan application date, application amount, one or more authorization amount) (400), the individual In operation 405, a financial aid voucher including one or more information, school information, and loan information is generated.

Here, the student loan support electronic voucher, the electronic slip containing the personal information, student information, loan information of the customer approved for the student loan in accordance with a predetermined format, or the preset data of the personal information, school information, loan information A data block included in the structure, wherein the student loan institution (= Scholarship Foundation) supports an amount corresponding to the loan information to the customer corresponding to the personal information to pay the college fee corresponding to the student information. Characterized in that it is characterized in that, according to the intention of those skilled in the art, the financial aid electronic voucher is preferably generated in the form of an electronic document attached to the electronic signature of the student loan institution (= Scholarship Foundation).

If a student-funded electronic voucher for converting the student loan into a student-supported electronic voucher is generated (410), the server generates the student-supported electronic voucher authentication code among respective voucher configuration information constituting the student-supported electronic voucher. Dynamically identify (or determine) the two or more voucher configuration information to combine to 415.

According to another embodiment of the present invention, if the voucher configuration information for generating the Voucher Support Code is fixed, it is possible to omit dynamically (or determine) the voucher configuration information in the server. Voucher configuration information for generating the support electronic voucher authentication code is preferably made including a time value (for example, the loan application date, or the time of generation of the financial aid electronic voucher authentication code).

In addition, the server is a combination of information on two or more configuration information to be combined to generate the financial aid electronic voucher authentication code of each voucher configuration information constituting the financial aid electronic voucher, and the financial aid electronic voucher authentication code Dynamically verify (or determine) the encryption (or hash) scheme for the combined voucher configuration information to generate 420.

If the voucher configuration information included in the financial aid electronic voucher authentication code, the combination method and the encryption (or hash) method is dynamically verified (or determined) (425), the server is the two or more identified (or determined) The voucher configuration information is combined according to the combination method, and the combined voucher configuration information is encrypted (or hashed) according to the encryption (or hash) method to generate a financial aid electronic voucher authentication code (430).

Here, the financial aid electronic voucher authentication code is a data block composed of a plurality of nibbles, digits, bytes, and the like, and includes two or more voucher configuration information constituting the financial aid electronic voucher. A data code of N (N> 1) digits (e.g., N nibbles, N digits, N bytes) combined and encrypted (or hashed) according to a set scheme, and a check digit that verifies the data code. It is preferable to make.

According to one embodiment of the invention, the financial aid electronic voucher authentication code, it is preferable to include a code capable of key input, including one or more numbers, letters, symbols.

According to another exemplary embodiment of the present invention, the financial aid electronic voucher authentication code comprises image data (eg, barcode, two-dimensional barcode, etc.) encoding a code value generated through the encryption (or hash). It is preferable.

If the financial aid electronic voucher authentication code is generated (435), the server provides the generated financial aid electronic voucher authentication code to the customer's mobile phone (440).

5 is a diagram illustrating a process for requesting payment of a student loan through a student loan support electronic voucher according to an embodiment of the present invention.

In more detail, in Figure 5, the financial aid electronic voucher authentication code to authenticate the processing of the student loan to the financial aid electronic voucher through the operation of the financial aid electronic voucher shown in Figure 3 or Figure 4 After being provided with, when the customer's request for payment of the school expenses, receiving the school expenses support electronic voucher authentication code from the school expenses storage terminal 180, and generates the school expenses support electronic voucher authentication code of the information constituting the school expenses support electronic voucher Verifying two or more voucher configuration information used to combine, encrypt and / or hash (or hash) the identified voucher configuration information in the same combination to generate the financial aid verification code, and the financial aid electronic voucher authentication code Scholar and student support code to compare the scholar The process of authenticating the support validity and providing the financial aid electronic voucher to a financial company at the time of validating the financial aid support, and if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. And / or may be modified to infer a variety of implementation methods (e.g., some steps may be omitted, or out of order) for the process of requesting payment through the financial aid electronic voucher, but the present invention may infer all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in this drawing 5, the student payment system 100 shown in the drawing 1 will be referred to as "server" for convenience.

Referring to FIG. 5, the student who has received the financial aid electronic voucher authentication code requests for payment of the tuition through the student storage terminal 180 including one or more terminals provided in a student terminal connected to the communication network or the financial institution. And, when transmitting the student loan electronic voucher authentication code, the server receives the school expenses support electronic voucher authentication code through the school expenses storage terminal 180 (500), the data code from the school expenses support electronic voucher authentication code The check digit is separated from the check 505, and the validity of the data code is checked through the check digit 510.

If the data code validity is not authenticated (515), the server provides the financial aid electronic voucher authentication code error information to the student housing terminal 180 (520).

On the other hand, if the data code validity is authenticated (515), the server checks the student loan electronic voucher corresponding to the received school loan electronic voucher authentication code (for example, one of customer login information, personal information, attendance information, loan information) Check through the above (525).

If the school loan electronic voucher corresponding to the school loan electronic voucher authentication code is not confirmed (530), the server provides the financial support electronic voucher authentication code error information to the student housing terminal 180 (520). .

On the other hand, when the student loan electronic voucher corresponding to the student loan electronic voucher authentication code is confirmed (530), the server receives the voucher configuration information constituting the student financial support electronic voucher in the student financial support electronic voucher shown in FIG. The combination is combined in the same combination as used in the operation process, and the encryption (or hash) is the same as the encryption (or hash) method used in the operation of the financial aid e-voucher shown in FIG. 3 or FIG. Or hash) to generate a financial aid verification code (535), and compares the financial aid electronic voucher authentication code and the financial aid verification code to verify the financial aid validity for the customer (540).

If the financial aid validity is not authenticated (545), the server provides financial aid validity error information to the financial aid receiving terminal 180 (550).

On the other hand, if the financial support validity is verified (545), the server is a financial company that operates the financial aid electronic voucher to open and operate the scholarship fund operating account of the scholarship foundation, and operate the storage agency of the university corresponding to the student information The financial aid voucher is provided to the server 155 (555).

FIG. 6 is a diagram illustrating a payment process for school funds through a school expenses support electronic voucher according to one embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the student loan support electronic voucher is provided to the financial company server 155 through the request for payment of the student loan through the electronic voucher shown in FIG. 5, the financial company server 155 of the student loan support electronic voucher is provided. As the purpose of the present invention is to show the process of loaning student loans from a scholarship fund operating account of a student loan institution (= Scholarship Foundation) and transferring them to a tuition payment account, the person with ordinary knowledge in the technical field to which the present invention belongs. If so, various implementation methods (e.g., some steps may be omitted or reordered) may be inferred by referring to and / or modifying the drawing 6 through the financial aid voucher. The present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. Characteristics is not limited.

Hereinafter, in FIG. 6, the school loan system 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 6, when the student loan support electronic voucher is provided to the financial company server 155 through the student loan request process through the electronic voucher shown in FIG. 5, the financial company server 155 receives the student loan support electronic voucher. And read the received financial aid electronic voucher to check the financial aid amount loaned to the customer by the student loan institution (= Scholarship Foundation), and the student loan institution (= Scholarship Foundation) from the director of the financial institution (175). A scholarship fund management account opened in the name of the student and a tuition payment account corresponding to the college code of the client (605).

If the financial support amount and scholarship fund operating account and tuition payment account is confirmed (610), the financial institution server 155 through the ledger 175, the student loan institution (= scholarship foundation) included in the financial support electronic voucher Withdraw the loan approval amount (= the amount of financial aid) included in the financial aid voucher from the scholarship fund deposited in the scholarship fund operating account opened in the name, and the amount of the withdrawal is the university code included in the financial aid voucher Process the tuition payment to be transferred to the tuition payment account of the university corresponding to 615, set the creditor for the financial aid electronic voucher as the student loan institution (= scholarship foundation), and set the debtor as the customer Register at 175 (620).

7 is a diagram illustrating a payment process through the school expenses support electronic voucher according to another embodiment of the present invention.

In more detail, Figure 7 shows a financial loan institution (= scholarship) according to the purpose of the financial aid electronic voucher through the virtual account of the customer's name with the tuition payment account as the parent account in the course of the student loan payment through the electronic voucher shown in Figure 6 Figure 7 shows the process of paying the student's school loan so that the student's financial aid amount withdrawn from the Foundation's scholarship fund management account is deposited into the tuition payment account. By reference and / or modification, one can infer various implementation methods (e.g., some steps are omitted, or the order of implementation) for the payment process through the financial aid electronic voucher, but the present invention is inferred from the above It is made including all the implementation methods, the technical features of the embodiment shown only in FIG. Shall not.

Hereinafter, in FIG. 7, the school loan system 100 shown in FIG. 1 is referred to as a "server" for convenience.

Referring to FIG. 7, when the school expenses support electronic voucher is provided to the financial institution server 155 through the process of requesting the payment of the funds through the electronic voucher shown in FIG. 5, the financial institution server 155 receives the school expenses support electronic voucher. And read the received financial aid electronic voucher to check the financial aid amount loaned to the customer by the student loan institution (= Scholarship Foundation), and the student loan institution (= Scholarship Foundation) from the director of the financial institution (175). A) confirm the scholarship fund operating account opened in the name and the tuition payment account corresponding to the college code of the client (705).

If the financial support amount and the scholarship fund operating account and tuition payment account are confirmed (710), the financial institution server 155 opens a virtual account of the customer name using the tuition payment account as a parent account through the ledger 175. (715).

Here, the virtual account is preferably used for the purpose of managing the payment of tuition through the school expenses support amount and the bond / debt for the school expenses support amount.

If a virtual account is opened in the name of a customer having the tuition payment account as a parent account (720), the financial institution server 155 is a student loan institution (= scholarship foundation) included in the financial support electronic voucher through the ledger 175 Withdraw the loan approval amount (= student support amount) included in the student funding electronic voucher from the scholarship fund deposited in the scholarship fund operating account opened in the name, and transfer the withdrawal amount to the virtual account Process the tuition payment to be deposited in 725, set the creditor for the student loan-supported electronic voucher as the student loan institution (= Scholarship Foundation), set the debtor as the customer and register in the ledger 175 (730). ).

According to the implementation method of the present invention, the financial company server 155 is the scholarship fund operating account (= scholarship foundation) of the student loan institution (= scholarship foundation) after the payment of the tuition payment through the financial aid support amount ( Or by resetting to a loan collection account in the name of the student loan institution (= Scholarship Foundation), it is possible to set the customer to repay the loan approved student funds through the virtual account.

According to the present invention, a complex customer approval process is achieved by converting a student loan into a student loan support voucher, so that the student loan loaned through the student loan is used only for the purpose defined in the student loan support voucher (eg, tuition payment). Or, without the face-to-face authentication, the student loans through the Internet, the customer receives the loan amount, or can be conveniently managed to be used only for payment of tuition without transfer to the customer account.

Claims (7)

In the student loan system linked with the student loan system that examines and approves student loans, the student checks the personal information, student information, and loan information of the student approved for student loans, and includes one or more of the above personal information, student information, and loan information. Generating a financial aid electronic voucher for making the payment; Generating, by the school expenses payment system, two or more pieces of configuration information constituting the school expenses support electronic voucher according to a preset method and encrypting (or hashing) the school expenses support electronic voucher authentication code; When the student loan payment system provides the generated student financial support electronic voucher authentication code to the mobile phone of the customer, and the customer's mobile phone transmits the student financial support electronic voucher authentication code to the student terminal for tuition payment, Receiving the financial support electronic voucher authentication code from the financial storage terminal, and generating the financial support verification code from the two or more electronic voucher configuration information used to generate the received financial support electronic voucher authentication code for the financial support electronic voucher authentication Comparing the financial aid verification code with a code to verify the financial aid validity; At the student loan validity verification, providing the student loan electronic voucher to a financial company server operating a banking agency of a university; And And paying, by the financial company server, the approved amount corresponding to the loan information to the university corresponding to the student information through the student loan support electronic voucher. The method of claim 1, The payment of the financial company server, Confirming the approved amount through the financial aid electronic voucher, and confirming the scholarship fund operating account and the tuition storing account of the university from the president of a financial institution; Opening a virtual account of the customer's name using the tuition deposit account as a parent account; And And withdrawing the approved amount from the scholarship fund operating account and transferring it to the virtual account and depositing the tuition payment account into the tuition payment account. The method of claim 1, The financial aid verification code, Confirm two or more electronic voucher configuration information used to generate the financial aid electronic voucher authentication code, combine the identified electronic voucher configuration information in the same manner as the combination method of generating the financial aid electronic voucher authentication code, The method of claim 1 through the electronic voucher characterized in that the encryption (or hash) generated in the same manner as the encryption (or hash) method that generated the financial aid electronic voucher authentication code. The method of claim 1, If the financial aid electronic voucher authentication code consists of a data code and a check digit, After receiving the financial support electronic voucher authentication code from the financial storage terminal, Separating the data code and the check digit from the financial aid electronic voucher authentication code; And And authenticating the validity of the data code through the check digit. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 4. In connection with the student loan system that examines and approves student loans, the student can check the personal information, student information, and loan information of the student who has been approved for student loans. Electronic voucher generating means for generating a voucher; Authentication code generation means for combining and encrypting (or hashing) two or more pieces of configuration information constituting the school expenses support electronic voucher to generate a school expenses support electronic voucher authentication code; Authentication code providing means for providing the generated financial aid electronic voucher authentication code to the mobile phone of the customer; Authentication code receiving means for receiving the financial aid electronic voucher authentication code from the student fund receiving terminal when the mobile phone of the customer transmits the provided financial aid electronic voucher authentication code to the student terminal for payment of student expenses; Verification code generating means for generating a financial aid verification code from at least two electronic voucher configuration information used to generate the received financial aid electronic voucher authentication code; Validity authentication means for authenticating the financial aid support validity by comparing the financial aid electronic voucher authentication code with the financial aid support verification code; And And an electronic voucher providing means for providing the financial aid electronic voucher to a financial company server operating a storage agency of a university when the financial aid is validated. The financial company server, the student loan payment system through the electronic voucher for paying the approval amount corresponding to the loan information to the university corresponding to the student information through the financial aid electronic voucher. The method of claim 6, If the financial aid electronic voucher authentication code consists of a data code and a check digit, The student loan payment system, the electronic voucher characterized in that it further comprises a code authentication means for separating the data code and the check digit from the financial aid electronic voucher authentication code, and to verify the validity of the data code through the check digit Student Loan System.

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