KR101106992B1 - System and Method for Processing Payment Settlement using Electron Money Processing Account and Recording Medium - Google Patents

Abstract

The present invention relates to a payment settlement processing method and system using an electronic money operating account and a recording medium therefor, and the payment settlement processing method using an electronic money operating account according to the present invention provides a financial transaction service through a cyber financial institution. When the requesting customer requests to open a financial account through an offline financial institution for electronic money operation, opening and processing the corresponding electronic money operation account; and when the customer requests payment through the cyber space, the customer Checking whether the electronic money deposited in the cyber financial account exceeds the payment settlement amount; and, if the electronic money deposited in the cyber financial account of the customer is greater than the payment settlement amount, the cyber financial account Depositing the electronic money deposited in the cyber account to which payment is to be made; .

Electronic money

Description

System and Method for Processing Payment Settlement using Electron Money Processing Account and Recording Medium}

1 is a diagram illustrating a system for opening a face-to-face electronic money operating account for electronic money operation of an internet virtual reality / virtual space according to an embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium for storing electronic money management account information corresponding to an electronic money management account opened in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

3 is a database linked to a ledger D / B equipped with a storage medium storing electronic money operating account information corresponding to an electronic money operating account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system. A diagram showing an implementation method including a.

FIG. 4 illustrates an embodiment of a method in which a storage medium for storing electronic money operating account information corresponding to an electronic money operating account opened in a face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention. Drawing.

5A and 5B are diagrams illustrating a process of opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space in a face-to-face manner according to an exemplary embodiment of the present invention.

6A and 6B illustrate a process of opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of opening an electronic money operating account for electronic money operation of an internet virtual reality / virtual space in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a system for opening a non-face-to-face electronic money operating account for electronic money operation of an internet virtual reality / virtual space according to another embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium storing electronic money management account information corresponding to an electronic money management account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

10 is a storage medium for storing electronic money operating account information corresponding to an electronic money operating account opened in a non-face-to-face manner according to another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

FIG. 11 is a view illustrating an embodiment of a method in which a storage medium for storing electronic money operating account information corresponding to an electronic money operating account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention. One drawing.

12A and 12B illustrate a process of opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space in a non-face-to-face manner according to an exemplary embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening an electronic money operating account for electronic money operation of an internet virtual reality / virtual space according to an embodiment of the present invention.

14 is a diagram illustrating a payment system for processing a payment request in an Internet virtual space / virtual reality according to an embodiment of the present invention.

15 is a diagram illustrating a payment settlement process for processing a payment request in an internet virtual space / virtual reality according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information generating unit 145: account opening unit

150: information storage unit 153: electronic document server

155: electronic document receiving unit 160: information generating unit

163: electronic document storage unit 165: electronic document D / B

170: General Ledger D / B 175: Financial System

180: storage medium 185: terminal device

According to the present invention, when a customer who requests the use of a financial transaction service through a cyber financial institution requests to open a financial account through an offline financial institution for electronic money operation, opening and processing a corresponding electronic money operation account; When the payment request is made through the cyber space, checking whether the electronic money deposited in the cyber financial account of the customer exceeds the payment amount, and as a result of the confirmation, the electronic money deposited in the cyber financial account of the customer If the currency is greater than the payment amount, the payment method using the electronic money operating account comprising the step of depositing the electronic money deposited in the cyber financial account to the cyber account of the payment target.

Due to the development of information and communication technology and the development of the financial industry, information and communication technology provides a new society of virtual cyber space, and the development of the financial industry provides financial accounts that can be used in cyber space.

However, since the cyber space and the reality are in different spaces, there is a problem that there is a difference between the electronic money and the real money. If this is used, the customer has to exchange and process the electronic money by using it. There is a difficult problem.

An object of the present invention for solving the above problems, when a customer requesting the use of financial transaction services through a cyber financial institution requests the opening of a financial account through an offline financial institution for the operation of electronic money, corresponding electronic money management account Means for establishing and processing, and if the customer requests payment through the cyber space, means for confirming whether or not the electronic money deposited in the customer's cyber financial account exceeds the payment amount; If the electronic money deposited in the customer's cyber financial account is larger than the payment amount, the payment using the electronic money operating account including a means for depositing the electronic money deposited in the cyber financial account to the cyber account to be paid for The present invention provides a payment processing system.

In the payment settlement processing method using an electronic money operating account according to the present invention, when a customer requesting the use of a financial transaction service through a cyber financial institution requests the opening of a financial account through an offline financial institution for electronic money operation, Opening and processing an electronic money management account; checking whether the electronic money deposited in the cyber financial account of the customer exceeds the payment amount when the customer requests payment through the cyber space; And, if the electronic money deposited in the cyber financial account of the customer is greater than the payment amount, depositing the electronic money deposited in the cyber financial account to a cyber account to which payment is to be made. It features.

The payment settlement processing method using the electronic money operating account according to the present invention, if the electronic money deposited in the cyber financial account of the customer is less than the payment amount, the electronic money management account connected to the cyber financial account And converting a portion (or the whole amount) of the deposited amount into electronic money and processing payment settlement based on the exchanged electronic money and the electronic money deposited in the customer's cyber financial account. It is done.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing the payment processing method using the above-mentioned electronic money operating account.

On the other hand, a payment settlement processing system using an electronic money operating account according to the present invention, when a customer who requests the use of financial transaction services through a cyber financial institution requests the opening of a financial account through an offline financial institution for electronic money operation, Means for opening and processing a corresponding electronic money operating account, and means for checking whether the electronic money deposited in the cyber financial account of the customer exceeds the payment amount when the customer requests payment through the cyber space; And a means for depositing the electronic money deposited in the cyber financial account to the cyber account to be paid for when the electronic money deposited in the customer's cyber financial account is greater than the payment amount. It is characterized by.

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.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples 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 is only.

1 is a diagram illustrating a system for opening a face-to-face electronic money operating account for electronic money operation of an internet virtual reality / virtual space according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer prepares an application for opening an electronic money management account including at least one of predetermined customer information, cyber financial institution information, and cyber financial account information, and submits it to a window provided at a predetermined financial institution. The financial institution opens an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space based on the electronic money operation account establishment request information corresponding to the application for opening the electronic money operation account. As a system configuration for storing electronic money management account information for managing a money management account in a predetermined storage medium 180, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. System for opening an electronic money operation account for electronic money operation of internet virtual reality / virtual space Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 1, and omit an implementation method of storing the electronic money operating account opening application electronic document in the electronic document repository. It is possible to infer the configuration of the system for opening a money management account, and also in the case of storing the electronic money management account opening application electronic document in the electronic document storage, the electronic document storage in addition to the implementation method shown in FIG. The implementation method provided in the DBMS located in the operating account opening system may be inferred, but the present invention includes all the execution methods inferred above and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the method of generating the electronic money management account opening application electronic document, the electronic money management account opening application electronic document corresponding to the electronic money operating account opening application is managed by the electronic money. Although it is illustrated and described as being generated on the server side on the account opening system, the present invention is not limited thereto, and the electronic money operating account opening application electronic document is applied to the electronic money operating account opening application through a predetermined image acquisition device. It may be generated on the terminal side that has acquired the image content corresponding to (e.g., the electronic document generation function provided on the server side is provided on the terminal side to generate the electronic money management account application electronic document), thereby The present invention is not limited.

Hereinafter, the customer corresponds to the electronic money operating account opening application and the electronic money operating account opening request information prepared by the customer through the predetermined financial account opening interface on the electronic money operating account opening system shown in FIG. The financial institution server may be configured to create a management account, and at least one means for generating a predetermined electronic money management account application electronic document and store the same in a predetermined electronic document storage and / or functional components. (100) ".

Referring to FIG. 1 according to an embodiment of the present invention, an electronic money operating account opening system for electronic money operation of the Internet virtual reality / virtual space may be provided at at least one financial institution branch (or branch). It characterized in that the terminal device 185 including a, wherein the terminal device 185 has a communication channel with the financial company server 100 provided on the electronic money operating account opening system through a predetermined financial network Connected.

According to an embodiment of the present invention, the customer visits the financial institution branch (branch branch) for electronic money operation of the Internet virtual reality / virtual space, and through a window provided in the financial institution branch branch (branch branch) ( Fill out at least one information item for the electronic money management account (for example, the electronic virtual money management of the Internet virtual reality / virtual space) for the electronic money operation of the Internet virtual reality / virtual space through a teller staff In this case, it is preferable that the customer seal the transaction seal of the customer for the legal basis for the application for opening the electronic money management account.

Then, when the customer submits the created electronic money management account opening application to the window staff, the window staff scans the electronic money operating account opening application through a predetermined image acquisition device to obtain a predetermined image content, The electronic device includes at least one image content obtained in response to the application form for opening an electronic money management account and customer information, cyber financial institution information, and cyber financial account information written in the application form for opening an electronic money operation account through a window terminal of the terminal. A financial company provided on the electronic money management account opening system through the financial network to input (or select) information on opening a money management account opening request, and correspondingly, the counter terminal transmits the image contents and the electronic money management account opening request information through the financial network. It is preferable to transmit to the server 100.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 175 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the electronic money operating account opening system as described above, an image acquisition device for acquiring image contents corresponding to the application for opening an electronic money operation account created by the customer, a teller terminal used by the employee, the teller terminal and the financial company server The financial network connecting 100 performs a function of a financial account opening interface for the customer to register electronic money operating account opening request information for the electronic money operation of the Internet virtual reality / virtual space.

The storage medium 180 provided on the electronic money operating account opening system according to the present invention includes the customer information and the cyber financial institution information included in the electronic money operating account opening request information provided from the terminal device 185. The electronic money management account information including at least one cyber financial account information is stored.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 175 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution in the cyber virtual reality / virtual space. Do.

The cyber financial account information is a cyber virtual for providing financial services in the cyber financial institution, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space An account number for a financial account for depositing electronic money opened in the cyber virtual reality / virtual space in the customer's name to connect the financial account in the real / virtual space with the financial account provided by the actual offline financial institution; It is preferable to include an account alias and the like.

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 175 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 180 is a ledger D / B (170) provided in the DBMS on the financial system 175, and / or a predetermined database associated with the ledger D / B (170) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial company server 100 provided on the electronic money operating account opening system according to the present invention is a generic term for the electronic money operating account opening system side component connected to the terminal device 185 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the terminal device 185 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 175. It may be a ledger server provided on, and / or a server (or device) provided in the external world on the financial system 175, and / or a program provided in the external world on the financial system 175, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 185 through the financial network. It is characterized by.

According to an exemplary embodiment of the present invention, when the terminal device 185 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided at the window terminal.

Referring to FIG. 1, when the predetermined terminal device 185 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 determines the Internet virtual reality / Obtain an image content corresponding to the electronic money operating account opening application prepared by the customer through a predetermined image acquisition device provided in the terminal device 185 for the electronic money operation of the virtual space, and the electronic money operating account opening application Generate (or extract) at least one user interface for inputting (or selecting) the request information for opening an electronic money operation account corresponding to the financial institution server 100, and in connection with the interface unit 105. An interface providing unit 110 (or interface providing means) for providing the generated (or extracted) user interface to the terminal apparatus 185, and When the device 185 inputs (or selects) the electronic money operating account opening request information corresponding to the electronic money operating account opening application through the user interface and transmits the information, the terminal unit (in connection with the interface unit 105) is transmitted. The information receiving unit 115 (or information receiving means) for receiving the electronic money operation account opening request information transmitted from the 185 and the terminal device 185 through the predetermined image acquisition apparatus based on the user interface; When the image content corresponding to the electronic money management account opening application prepared by the customer is obtained and transmitted, the image receiving unit 120 receives the image content corresponding to the electronic money operating account opening application in connection with the interface unit 105. (Or an image receiving means).

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the Internet virtual reality to the financial institution server 100. When requesting a user interface for the electronic money operation of the virtual space, through the predetermined image acquisition device provided in the terminal device 185 obtains the image content corresponding to the application for opening the electronic money management account created by the customer, Generate (or select) electronic money operating account opening request information corresponding to the electronic money operating account opening application and generate at least one user interface for transmitting to the financial company server 100 through the financial network; and / Alternatively, a user who is extracted from a predetermined database (not shown) and which is generated (or extracted) in association with the interface unit 105. It characterized in that it provides an interface to the terminal device 185 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 185 acquires image contents corresponding to the electronic money operating account opening application prepared by the customer through a predetermined image acquisition device, and corresponds to the electronic money operating account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) information for opening an electronic money operation account is transmitted to the financial institution server 100 through the financial network, As described above, image content corresponding to the electronic money management account opening application prepared by the customer is obtained through a predetermined image acquisition device, and input (or selection) of the electronic money operation account opening request information corresponding to the electronic money operating account opening application. A user interface for transmitting to the financial institution server 100 Sex (or extraction) to the user terminal and the interface providing unit 110 may be omitted mubang provided to the device 185, to which the present invention is not limited.

Thereafter, the terminal device 185 inputs (or selects) electronic money management account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the user interface. (Or selected) the electronic money management account establishment request information is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 and the terminal device. Characterized in that for receiving the electronic money management account opening request information transmitted from the (185).

In addition, the terminal device 185 obtains the image content corresponding to the application for opening an electronic money management account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is transferred to the financial network. Through the transmission to the financial institution server 100, in response to the image receiving unit 120 is characterized in that for receiving the image content corresponding to the application for opening the electronic money management account in conjunction with the interface unit 105. .

According to another exemplary embodiment of the present invention, the terminal device 185 acquires image content corresponding to the electronic money operating account opening application prepared by the customer through a predetermined image acquisition device and is provided to the terminal device 185. In the case of pre-stored in the predetermined (or associated) storage device, the terminal device 185 is an application for opening an electronic money management account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select the image content corresponding to the transmission to the financial institution server 100 through the financial network, in response to the image receiving unit 120 in conjunction with the interface unit 105 in the electronic money management account opening application form It is desirable to receive the corresponding image content.

According to another exemplary embodiment of the present invention, the electronic device corresponding to the electronic money operating account opening application and the image content corresponding to the electronic money operating account opening application created by the customer through the user interface in the terminal device 185. In the case of transmitting the operation account opening request information together, the information receiving unit 115 receives the image content corresponding to the electronic money operating account opening application and the electronic money operating account opening request information together with the interface unit 105. It is possible to (for example, the image receiving unit 120 is integrated into the information receiving unit 115 operating), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the electronic money management account establishment request information transmitted from the terminal device 185 through the information receiver 115, the financial institution server 100 opens the received electronic money management account. Characterized in that the request information is provided with a validity check unit 125 (or validity confirming means) for confirming whether the validity for the electronic money operation of the Internet virtual reality / virtual space.

According to an embodiment of the present invention, the validity of the electronic money management account establishment request information may be checked in the ledger D / B 170 on the financial system 175 associated with the electronic money operation account opening system. It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 170 on the financial system 175 associated with.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money management account opening request information, the cyber financial account information of the information contained in the electronic money operation account opening request information, which is managed by the cyber financial institution on the Internet virtual reality / virtual space It is preferable to include whether or not one of the financial accounts, and whether the financial account managed by the cyber financial institution is a financial account of the customer name.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 185 through the image receiving unit 120, and operates the electronic money through the validity checking unit 125. When the validity of the account opening request information is authenticated, the electronic document generating unit 130 (or electronic document generating means) for generating a predetermined electronic money operating account opening request electronic document including the received image content, and the generation It is characterized in that it comprises an electronic document transmission unit 135 (or electronic document transmission means) for transmitting the electronic money management account opening application electronic document to the electronic document storage associated with the electronic money operating account opening system.

The electronic document generating unit 130 generates an electronic money operating account opening request electronic document including the image content received from the terminal device 185 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the terminal device 185 through the image receiving unit 120 as it is the Internet virtual reality / It is preferable to process the electronic document to apply for the opening of an electronic money operating account for the electronic money operation of the virtual space.

Alternatively, the electronic document generating unit 130 may display the image content received from the terminal device 185 through the image receiving unit 120 to the electronic money operation account opening request information received through the information receiving unit 115. Image file corresponding to the image content including at least one or more information of the included customer information, cyber financial institution information, cyber financial account information by watermarking (Watermarking) method for the electronic money operation of the Internet virtual reality / virtual space It is desirable to generate an electronic document for the application for opening an electronic money operation account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 185 through the image receiving unit 120. (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for applying for opening an electronic money operating account for electronic money operation in a virtual space.

Alternatively, the electronic document generating unit 130 may display the image content received from the terminal device 185 through the image receiving unit 120 to the electronic money operation account opening request information received through the information receiving unit 115. Generate image content including at least one or more of the included customer information, cyber financial institution information, and cyber financial account information by a watermarking method, and a predetermined document file including the generated image content (eg, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT; It is desirable to generate an electronic document for the application of opening an electronic money operation account for the operation of electronic money in virtual space.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 185 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one HWP / DOC, etc.) containing the requested information for opening an electronic money operating account. , Or a web document file including MHT), it is preferable to generate an electronic money management account application electronic document for the electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the electronic document generating unit 130 may display the image content received from the terminal device 185 through the image receiving unit 120 to the electronic money operation account opening request information received through the information receiving unit 115. Generate image content including at least one or more of the included customer information, cyber financial institution information, and cyber financial account information by a watermarking method, and the generated image content and the electronic money operation account opening request information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), an electronic document for requesting to open an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space is generated. It is preferable to.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features to generate an electronic document operating account application electronic document of the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the electronic money management account opening application document are well understood, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the electronic money operating account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document storage associated with the electronic money operating account opening system. Characterized in that.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 100 on the electronic money operating account opening system and a predetermined electronic document server 153 and an electronic document D / B ( 165, the electronic document transmitting unit 135, the electronic document operating account opening request electronic document generated by the electronic document generating unit 130, the electronic document through the communication means Characterized in that the transmission to the server (153).

Herein, when the electronic document server 153 and the electronic document D / B 165 are provided outside the electronic money operating account opening system, the electronic document server 153 and the electronic document D / B 165 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the electronic money operating account opening system, the electronic document transmission unit 135 is performed by the electronic document generation unit 130. It is possible to store the generated electronic money operating account opening application electronic document in the electronic document D / B (165) corresponding to the electronic document storage on the DBMS provided in the electronic money operating account opening system, whereby the present invention It is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 is electronic document related information (for example, electronic money corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 153. Customer information for which the application for opening a management account was opened, and / or financial institution information for transmitting the electronic money operating account opening application document, and / or electronic document file format information, and / or information for opening the electronic money operating account request information, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 requests electronic money management account establishment request information received through the information receiving unit 115 through the validity checking unit 125. If the validity for the operation is authenticated, the information generation unit for generating the financial account information based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information that is validated ( 140 (or information generating means) and an account opening unit 145 (or account opening means) for opening and processing a financial account in the customer's name including the financial account information.

When the validity of the electronic money management account opening request information is confirmed by the validity checking unit 125, the information generating unit 140 includes customer information and cyber financial institution information included in the electronic money operating account opening request information. And generating the financial account information based on the cyber financial account information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

The account opening unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 175 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the electronic money operating account opening request information. It is characterized in that the opening of a predetermined financial account for the electronic money management of the Internet virtual reality / virtual space.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 175 exist in the same system, the account opening unit 145 is linked with the financial system 175 to ledger D / B. It is preferable to generate a predetermined account ledger including financial account information at 170.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 175 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. Through the external system on the financial system 175, it is preferable to request the ledger D / B 170 on the other financial system 175 to generate a predetermined account ledger including the financial account information.

Referring to FIG. 1, the financial institution server 100 requests electronic money management account establishment request information received through the information receiving unit 115 through the validity checking unit 125. When the validity for the operation is authenticated, the electronic money management account information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information included in the electronic money operating account opening request information of which the validity is certified is predetermined. And an information storage unit 150 (or information storage means) for storing in the storage medium 180.

When the validity of the electronic money management account opening request information is confirmed by the validity checking unit 125, the information storage unit 150 includes the customer information and the cyber financial institution included in the electronic money operating account opening request information. The electronic money operating account information including at least one of information and cyber financial account information is stored in the storage medium 180.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 180. Preferably, the storage medium 180 stores electronic money management account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 175, the information storage unit 150 is based on the received request information for opening an electronic money management account. Electronic money management account information including at least one of the included customer information, cyber financial institution information, and cyber financial account information is provided on the financial system 175 by providing the information system through an external system on the financial system 175. It is preferable to store in the DBMS.

Referring to FIG. 1, a predetermined electronic money operating account opening application electronic document is received from the financial institution server 100 provided on the electronic money operating account opening system, and stored in a predetermined electronic document D / B 165. The managing electronic document server 153 includes an electronic document receiving unit 155 (or electronic document receiving means) for receiving a predetermined electronic money operating account opening application electronic document from the financial institution server 100 through a predetermined communication means. An information generating unit 160 (or information generating means) for generating predetermined electronic document management information for storing and managing the received electronic money operating account opening application electronic document in the electronic document D / B 165; And an electronic document storage unit 163 (or electronic document storage means) for linking the electronic document management information and the electronic money management account opening application electronic document and storing the electronic document management information in a predetermined electronic document D / B 165. It is characterized by made.

The electronic document receiving unit 155 may receive the electronic money operating account opening request electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document operating account opening application electronic document received by the electronic document receiving unit 155 through the communication means is an image received by the financial institution server 100 from the terminal device 185. It is preferable that the image file including the content is included as it is.

Alternatively, the electronic document operation request application electronic document received by the electronic document receiving unit 155 through the communication means is operating the electronic money on the image content received by the financial institution server 100 from the terminal device 185. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, cyber financial institution information, cyber financial account information included in the account opening request information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic money management account opening request electronic document received by the electronic document receiving unit 155 through the communication means is received by the financial institution server 100 from the terminal device 185. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the electronic money management account establishment request electronic document received by the electronic document receiving unit 155 through the communication means is the electronic money operating account on the image content received by the financial institution server 100 from the terminal device 185. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the opening request information in a watermarking manner. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the electronic money operating account opening request electronic document received by the electronic document receiving unit 155 through the communication means is received by the financial institution server 100 from the terminal device 185. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including one image content and the request information for opening an electronic money management account. Word processor files, or web document files containing MHT).

Alternatively, the electronic money management account establishment request electronic document received by the electronic document receiving unit 155 through the communication means is the electronic money operating account on the image content received by the financial institution server 100 from the terminal device 185. A predetermined document including image content including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the opening request information in a watermarking manner, and the request information for opening the electronic money operating account. A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

The information generating unit 160 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic money management account opening request electronic document received through the electronic document receiving unit 155, and the electronic document receiving unit 155 The electronic document management information including electronic document storage date and time information including the date and time (or the date and time the electronic money operating account opening application electronic document was stored) received the electronic money management account opening request electronic document through the; It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the financial company server 100 that has transmitted the electronic money operating account opening request electronic document received through the electronic document receiving unit 155. It is preferable to check the financial institution that has sent the electronic document application for opening a currency management account and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received electronic document. Document-related information (e.g., customer information for creating an electronic money operating account opening application corresponding to the image content, and / or financial institution information for transmitting the electronic money operating account opening application electronic document, and / or electronic document file format information); And / or the electronic money management account opening request information, etc.).

The electronic document storage unit 163 performs a predetermined process by linking an electronic document management request application electronic document received through the electronic document receiving unit 155 with electronic document management information generated through the information generating unit 160. The electronic document is stored in the D / B 165.

According to the exemplary embodiment of the present invention, the electronic money operating account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 163 is the financial company server 100 by the terminal device ( Preferably, the image file including the image content received from 185 is included as it is.

Alternatively, the electronic document operating application for opening an electronic money operating account stored in the electronic document D / B 165 by the electronic document storage unit 163 is the image received by the financial institution server 100 from the terminal device 185. Includes an image file corresponding to an image content including at least one or more information of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in a watermarking method. It is preferable to make it.

According to another exemplary embodiment of the present invention, the electronic money storage account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 163 is the financial company server 100 at the terminal device. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from 185, Or a web document file including the MHT).

Alternatively, the electronic document storage request application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 163 is an image content received by the financial institution server 100 from the terminal device 185. A predetermined document file including image contents including at least one or more information of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information in a watermarking manner. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another exemplary embodiment of the present invention, the electronic money operating account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 163 is the financial company server 100 by the terminal. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the device 185 and the electronic money operating account opening request information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the electronic document storage request application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 163 is an image content received by the financial institution server 100 from the terminal device 185. Image information including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information in a watermarking manner, and the electronic money operation account opening request information A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by processing the electronic document storage unit 163 in association with the electronic money management account establishment request electronic document, the electronic It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the electronic document operating application for currency management account and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management unit 163 stores the electronic document management information stored in the electronic document D / B 165 in association with the electronic money management account opening request electronic document, the Preferably, the financial institution further includes information on a financial institution that transmits the electronic money operating account opening application electronic document, which has been identified with reference to the financial institution server 100 that has transmitted the electronic money operating account opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 163 processes the linkage with the electronic money management account opening application electronic document. The electronic document management information stored in the electronic document D / B 165 may include the received electronic document related information (for example, customer information for creating an electronic money operation account opening application corresponding to the image content, and / or the Financial institution information, and / or electronic document file format information, and / or the electronic money management account opening request information, etc. for transmitting the electronic document.

2 is an implementation method in which a storage medium 180 for storing electronic money operating account information corresponding to an electronic money operating account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system 175. Figure is a diagram.

In more detail, in FIG. 2, the storage medium 180 shown in FIG. 1 is the ledger D / B 170 provided in the DBMS on the financial system 175, or the ledger D / B 170 is provided. In this case, the information structure for one embodiment of the electronic money operating account information is stored in the ledger information provided in the ledger D / B 170, the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer a variety of information configuration method for storing the electronic money operating account information in the ledger D / B (170) by referring to and / or modified in this figure 2, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 170 provided in the DBMS on the financial system 175 is linked with a predetermined ledger and the ledger. An account ledger corresponding to a financial account opened through the electronic money operating account opening system shown in FIG. 1 and at least one or more information associated with the account ledger are included. If the person having knowledge, the ledger D / B 170 provided in the DBMS on the financial system 175 has at least one ledger (for example, a reception ledger, a loan ledger, And / or at least one additional information for maintaining and managing the ledgers. Because be aware group the technological requirements, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is relationally linked to the customer ledger, the account ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one (day), extension, maturity date, and target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the storage medium 180 is the ledger D / B 170, or includes an implementation method provided in the ledger D / B 170 according to an embodiment of the present invention. The electronic money management account information including at least one of the customer information, cyber financial institution information, cyber financial account information included in the electronic money operating account opening request information provided through the electronic money operating account opening system shown in FIG. And is stored in the form of additional information added to the account ledger.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 175 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution in the cyber virtual reality / virtual space. Do.

The cyber financial account information is a cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

According to another exemplary embodiment of the present invention, the electronic money management account establishment request information may be stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

3 is a ledger D provided in a DBMS on a financial system 175 with a storage medium 180 for storing electronic money operating account information corresponding to an electronic money operating account opened in a face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with / B 170.

In more detail, FIG. 3 illustrates an embodiment method in which the storage medium 180 illustrated in FIG. 1 includes a predetermined database linked to the ledger D / B 170 provided in the DBMS on the financial system 175. As shown in FIG. 3, if a person of ordinary skill in the art of the present invention belongs to the present invention, the electronic money operating account information is stored in a predetermined database by referring to and / or modifying the present invention. It will be able to infer various information configuration methods to be stored in association with 170, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the electronic money operating account information in the ledger information of the ledger D / B 170 on the DBMS provided on the financial system 175 (eg, a policy of a financial institution). If it is not easy to change the ledger D / B 170 of the phase DBMS, or if the system expansion is not easy due to the characteristics of the financial system 175), the predetermined database instead of the ledger D / B 170 A method of storing electronic money management account information and storing the electronic money operation account information by linking the database and the ledger D / B 170 is illustrated.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 175 as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 170 provided in the DBMS on the financial system 175. And storing the electronic money operating account information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information included in the electronic money management account opening request information. Preferably, the electronic money management account information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 170.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 175 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code for the financial institution on the cyber virtual reality / virtual space. Do.

The cyber financial account information is the cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

Figure 4 is an implementation method comprising a DBMS provided in the banking server storage medium 180 for storing the electronic money management account information corresponding to the electronic money management account opened in a face-to-face manner according to another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer the information configuration method for the electronic money management account information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server opens the electronic money management account. And storing electronic money management account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the request information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 175 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution in the cyber virtual reality / virtual space. Do.

The cyber financial account information is the cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

5A and 5B illustrate a process of opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B are window terminals provided with a terminal device 185 on a system for opening an electronic money management account shown in FIG. 1 at a financial institution branch (or a branch), and the financial institution server 100 In the case of having a ledger server (not shown) function on the financial system 175 linked to a counter terminal through a predetermined financial network, a predetermined customer operates electronic money for electronic money operation of an internet virtual reality / virtual space. To open an account, fill out and submit an application form for opening an electronic money management account that includes at least one of customer information, cyber financial institution information, and cyber financial account information. As a system configuration for opening and processing an electronic money operating account, specifically, the customer opens the electronic money operating account. After filling out the application form and submitting it to the counter, the counter terminal acquires predetermined image contents corresponding to the electronic money operating account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server 100. When the electronic money management account opening request information corresponding to the electronic money management account opening application form is input (or selected) and transmitted to the financial company server 100, the customer information, cyber financial institution information, A method of opening and processing the electronic money operating account based on the electronic money operating account establishment request information including at least one or more cyber financial account information is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to register the electronic money operation account opening request information with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, although the embodiment shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application form for opening an electronic money operation account and storing the electronic document in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method illustrated in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the electronic money operating account opening application through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) the electronic money management account opening request information corresponding to the electronic money operating account opening application is illustrated and described as being provided from the financial institution server 100, When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, an application for opening an electronic money operating account including at least one customer information, cyber financial institution information, and cyber financial account information for a predetermined customer to manage electronic money in the Internet virtual reality / virtual space When a user submits and submits, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the Internet virtual reality / virtual corresponding to the application for opening an electronic money operation account. When requesting a user interface for the operation of the electronic money in the space (500), the server in response to the predetermined image content corresponding to the application for opening the electronic money management account created by the customer through a predetermined image acquisition device in the terminal; Generate (or extract) a user interface for acquiring and transmitting to the server (505); And wherein the transmitting the generated user interface (or extract) to the terminal to output through 510.

Thereafter, the terminal acquires image content corresponding to the electronic money operating account opening application through a predetermined image obtaining apparatus based on the user interface (515).

If image content corresponding to the electronic money management account opening application is obtained through the image acquisition device (520), the terminal transmits the acquired image content to the server through the financial network (525).

Thereafter, the server inputs the request information for opening an electronic money operation account including at least one of customer information, cyber financial institution information, and cyber financial account information corresponding to the application for opening an electronic money operation account matching the image content (or Selects and generates (or extracts) a user interface for transmission to the server (530), and transmits and generates the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the user interface (540).

If the electronic money management account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information is input (or selected) through the user interface (545), the terminal establishes the financial network. The input (or selection) of the electronic money management account opening request information is transmitted to the server through 550.

Subsequently, the server receives and reads an electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the financial network to the electronic money operating account opening request information. Check the validity (555).

According to an embodiment of the present invention, the validity of the electronic money management account opening request information is confirmed by the electronic money management on the ledger D / B 170 on the financial system 175 associated with the electronic money operating account opening system It is preferable to include whether the at least one ledger information matching the account opening request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 170 on the financial system 175 associated with.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money management account opening request information, the cyber financial account information of the information contained in the electronic money operation account opening request information, which is managed by the cyber financial institution on the Internet virtual reality / virtual space It is preferable to include whether or not one of the financial accounts, and whether the financial account managed by the cyber financial institution is a financial account of the customer name.

If the validity of the electronic money management account opening request information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and the electronic money operating account opening request information Do not perform the procedure for opening a corresponding electronic money operating account.

On the other hand, if the validity of the electronic money management account opening request information is authenticated (560), the server generates a predetermined electronic money management account opening application electronic document containing the image content (570).

According to an embodiment of the present invention, the server operates the electronic money of the Internet virtual reality / virtual space as it is the image file including the image content received from the terminal device 185 through the image receiving unit 120 It is advisable to process the electronic documents for the application of the opening of an electronic money management account.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Application for opening an electronic money operation account for operating electronic money in the Internet virtual reality / virtual space with an image file corresponding to an image content including at least one of financial institution information and cyber financial account information in a watermarking method It is desirable to create an electronic document.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 185 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate the electronic money of the Internet virtual reality / virtual space. It is desirable to generate an electronic document for applying for the opening of an electronic money operating account for the bank.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Generate image content including at least one of financial institution information and cyber financial account information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to generate an electronic document for applying for the opening of an electronic money management account for money operation.

According to another exemplary embodiment of the present invention, the server opens the electronic money operating account received through the image receiver and the image content received from the terminal device 185 through the image receiver 120. A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an electronic money management account opening application electronic document for the electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Predetermined document file that generates image content including at least one or more information of financial institution information and cyber financial account information by watermarking, and includes the generated image content and the electronic money management account opening request information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Create an electronic document to apply for the opening of an electronic money management account for electronic money management of Internet virtual reality / virtual space. Preferable.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates an electronic money management account opening application electronic document of the image file format and / or a predetermined document file format, and the electronic money operating account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money management account application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 153 and an electronic document D / B 165 associated with a server on the electronic money operating account opening system through predetermined communication means. When provided to the outside, the server transmits the generated electronic money management account opening application electronic document to the electronic document server 153 through the communication means to store in the electronic document D / B (165) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the electronic money operating account opening system, the server may include the generated electronic money operating account opening application electronic document in the electronic money operating account opening system. It is possible to store in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the electronic money management account opening application electronic document in the electronic document storage, the electronic money management account opening application electronic document and the predetermined electronic document management information by the linkage processing; It is preferable to include storing in the electronic document D / B (165) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic money management account opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic money management account opening application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an electronic money operating account opening application corresponding to the image content, and / or financial information for transmitting the electronic money operating account opening application electronic document. Institution information, and / or electronic document file format information, and / or the electronic money management account opening request information, etc.).

If the electronic document management application electronic document is stored in the electronic document storage (580), the server is based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information In step 585, the financial account information is generated.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in connection with the financial system 175. Open and process the financial account of the holder (590).

According to an embodiment of the present invention, the server is connected to the financial system 175 to generate a customer ledger including the customer information included in the financial account opening application information (or matched with the customer information is provided Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby requesting to open the electronic money management account. In response to the information, a predetermined financial account for electronic money operation of the Internet virtual reality / virtual space is opened.

When the server and the financial system 175 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 170 in association with the financial system 175. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 175 exist on another system connected through a predetermined communication means, the server is located on the financial system 175 through a predetermined communication means. It is preferable to request the general ledger D / B 170 on the other financial system 175 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates electronic money management account information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information included in the electronic money management account opening request information. ) (595)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the received electronic money management account opening request information. Preferably, the storage medium 180 stores electronic money management account information including at least one of customer information, cyber financial institution information, and cyber financial account information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 175, the server includes the customer information included in the received electronic money management account opening request information. And providing electronic money management account information including at least one cyber financial institution information and cyber financial account information as an information system through an external system on the financial system 175 and storing the information in a DBMS provided on the financial system 175. It is preferable.

Thereafter, the server records predetermined financial account opening history information (eg, the electronic money operating account opening history, and / or the details of storing the electronic money operating account opening application electronic document in the electronic document repository, and / or the storage). A history of storing the electronic money operation account opening request information on the medium 180) is generated (or extracted) and transmitted to the terminal (599).

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 175 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 180 is a ledger D / B (170) provided in the DBMS on the financial system 175, and / or a predetermined database associated with the ledger D / B (170) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show the terminal device 185 on the electronic money operating account opening system shown in FIG. 1 as a window terminal provided at a financial institution branch (or a branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 175 linked to the counter terminal through a predetermined financial network, a predetermined customer operates electronic money for electronic money operation of the Internet virtual reality / virtual space. To open an account, fill out and submit an application form for opening an electronic money management account that includes at least one of customer information, cyber financial institution information, and cyber financial account information. As a system configuration for opening and processing an electronic money operating account, specifically, the customer opens the electronic money operating account. After completing the application form and submitting it to the counter, the counter terminal inputs (or selects) the electronic money operating account opening request information corresponding to the electronic money operating account opening application, and transmits it to the financial institution server 100. Obtaining predetermined image content corresponding to the application for opening an electronic money management account through a predetermined image acquisition device and transmitting the predetermined image content to the financial institution server 100, the customer information, cyber financial institution information, A method of opening and processing the electronic money operating account based on the electronic money operating account establishment request information including at least one or more cyber financial account information is shown.

Persons having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to register the electronic money operation account opening request information with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application form for opening an electronic money operation account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal receives predetermined image contents corresponding to the application form for opening an electronic money management account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) the electronic money management account opening request information corresponding to the electronic money operating account opening application is illustrated and described as being provided from the financial institution server 100, When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, cyber financial institution information, and cyber financial account information transmitted to the financial company server 100 are referred to as "electronic money management account opening request information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined customer requests an application for opening an electronic money operating account including at least one of customer information, cyber financial institution information, and cyber financial account information for electronic money operation of Internet virtual reality / virtual space. After filling out and submitting, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, and the Internet virtual reality / virtual space corresponding to the application for opening an electronic money operation account. When requesting a user interface for electronic money operation (600), the server correspondingly at least one of the customer information, cyber financial institution information, cyber financial account information corresponding to the electronic money management account opening application prepared by the customer Input (or select) the request information to open the electronic money management account, which is included, and send it to the server. A user interface is generated (or extracted) (605), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (610).

Thereafter, the terminal inputs (or selects) electronic money management account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the user interface (615).

If the electronic money management account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information is input (or selected) through the user interface (620), the terminal establishes the financial network. In operation 625, the electronic money management account opening request information is transmitted to the server.

Subsequently, the server receives and reads an electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the financial network to the electronic money operating account opening request information. Check the validity (630).

According to an embodiment of the present invention, the validity of the electronic money management account establishment request information may be checked in the ledger D / B 170 on the financial system 175 associated with the electronic money operation account opening system. It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 170 on the financial system 175 associated with.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money management account opening request information, the cyber financial account information of the information contained in the electronic money operation account opening request information, which is managed by the cyber financial institution on the Internet virtual reality / virtual space It is preferable to include whether or not one of the financial accounts, and whether the financial account managed by the cyber financial institution is a financial account of the customer name.

If the validity of the electronic money management account opening request information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and the electronic money operating account opening request information Do not perform the procedure for opening a corresponding electronic money operating account.

On the other hand, if the validity of the electronic money management account opening request information is authenticated (635), the server receives a predetermined image content corresponding to the electronic money operating account opening application prepared by the customer through a predetermined image acquisition device in the terminal. A user interface for obtaining and transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the electronic money operating account opening application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the electronic money management account opening application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

Upon receiving the electronic money management account establishment request information and the image content from the terminal, the server generates a predetermined electronic money management account establishment application electronic document including the image content (670).

According to an embodiment of the present invention, the server operates the electronic money of the Internet virtual reality / virtual space as it is the image file including the image content received from the terminal device 185 through the image receiving unit 120 It is advisable to process the electronic documents for the application of the opening of an electronic money management account.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Application for opening an electronic money operation account for operating electronic money in the Internet virtual reality / virtual space with an image file corresponding to an image content including at least one of financial institution information and cyber financial account information in a watermarking method It is desirable to create an electronic document.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 185 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate the electronic money of the Internet virtual reality / virtual space. It is desirable to generate an electronic document for applying for the opening of an electronic money operating account for the bank.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Generate image content including at least one of financial institution information and cyber financial account information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) including the generated image content. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or the like, web document files including MHT), and the electronic money of the Internet virtual reality / virtual space. It is desirable to generate an electronic document for the application of opening an electronic money management account for operation.

According to another exemplary embodiment of the present invention, the server opens the electronic money operating account received through the image receiver and the image content received from the terminal device 185 through the image receiver 120. A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an electronic money management account opening application electronic document for the electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Predetermined document file including image information including at least one or more information of financial institution information and cyber financial account information by a watermarking method, and including the generated image content and the request information for opening an electronic money operation account. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Create an electronic document to apply for the opening of an electronic money management account for electronic money management of Internet virtual reality / virtual space. Preferable.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates an electronic money management account opening application electronic document of the image file format and / or a predetermined document file format, and the electronic money operating account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money management account application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 153 and an electronic document D / B 165 associated with a server on the electronic money operating account opening system through predetermined communication means. When provided to the outside, the server transmits the generated electronic money management account opening application electronic document to the electronic document server 153 through the communication means to store in the electronic document D / B (165) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the electronic money operating account opening system, the server is provided with the generated electronic money operating account opening application electronic document in the electronic money operating account opening system. It is possible to store in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the electronic money management account opening application electronic document in the electronic document storage, the electronic money management account opening application electronic document and the predetermined electronic document management information by the linkage processing; It is preferable to include storing in the electronic document D / B (165) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic money management account opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic money management account application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an electronic money operating account opening application corresponding to the image content, and / or financial information for transmitting the electronic money operating account opening application electronic document. Institution information, and / or electronic document file format information, and / or the electronic money management account opening request information, etc.).

If the electronic document management application application electronic document is stored in the electronic document storage (680), the server is based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information In step 685, the financial account information is generated.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information in connection with the financial system 175. Open and process a financial account in the name of the customer (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 175 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby opening the electronic money management account request information; Corresponding to the opening of a predetermined financial account for the electronic money management of the Internet virtual reality / virtual space corresponding to the.

When the server and the financial system 175 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 170 in association with the financial system 175. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 175 exist on another system connected through a predetermined communication means, the server is located on the financial system 175 through a predetermined communication means. It is preferable to request the general ledger D / B 170 on the other financial system 175 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates electronic money operating account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information, and then a predetermined storage medium 180. Store in (695)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the received electronic money management account opening request information. Preferably, the storage medium 180 stores electronic money management account information including at least one of customer information, cyber financial institution information, and cyber financial account information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 175, the server includes the customer information included in the received electronic money management account opening request information. And providing electronic money management account information including at least one cyber financial institution information and cyber financial account information as an information system through an external system on the financial system 175 and storing the information in a DBMS provided on the financial system 175. It is preferable.

Thereafter, the server records predetermined financial account opening history information (eg, the electronic money operating account opening history, and / or the details of storing the electronic money operating account opening application electronic document in the electronic document repository, and / or the storage). A history of storing the electronic money operation account opening request information on the medium 180 is generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 175 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 180 is a ledger D / B (170) provided in the DBMS on the financial system 175, and / or a predetermined database associated with the ledger D / B (170) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of opening an electronic money operation account for electronic money operation of an Internet virtual reality / virtual space in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals provided with a terminal device 185 on the electronic money operating account opening system shown in FIG. 1 at a financial institution branch (or a branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 175 linked to the counter terminal through a predetermined financial network, a predetermined customer operates electronic money for electronic money operation of the Internet virtual reality / virtual space. To open an account, fill out and submit an application form for opening an electronic money management account that includes at least one of customer information, cyber financial institution information, and cyber financial account information. As a system configuration for opening and processing an electronic money operating account, specifically, the customer opens the electronic money operating account. After filling out an application form and submitting it to the counter, the counter terminal acquires predetermined image contents corresponding to the electronic money operating account opening application through a predetermined image acquisition device, and the electronic corresponding to the electronic money operating account opening application. After inputting (or selecting) currency management account opening request information, the image content and the electronic money management account opening request information are transmitted to the financial institution server 100, and the financial institution server 100 receives the customer information and cyber information. A method of opening and processing the electronic money operating account based on the electronic money operating account opening request information including at least one financial institution information and cyber financial account information is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register the electronic money operation account opening request information with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the embodiment shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the application form for opening an electronic money operation account and storing the electronic document in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the implementation method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application form for opening an electronic money operation account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) the electronic money management account opening request information corresponding to the electronic money operating account opening application is illustrated and described as being provided from the financial institution server 100, When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, cyber financial institution information, and cyber financial account information transmitted to the financial company server 100 are referred to as "electronic money management account opening request information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer may request an application for opening an electronic money operating account including at least one of customer information, cyber financial institution information, and cyber financial account information for electronic money operation of an internet virtual reality / virtual space. After filling out and submitting, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, and the Internet virtual reality / virtual space corresponding to the application for opening an electronic money operation account. When requesting a user interface for electronic money operation (700), the server correspondingly inputs (or selects) the electronic money operation account opening request information corresponding to the electronic money operation account opening application prepared by the customer in the terminal. And a predetermined image corresponding to the application for opening an electronic money operating account through a predetermined image acquisition device. Generating a user interface for transmitting the obtained content to the server (or the extract) and 705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the user interface (715).

If the electronic money management account opening request information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information is input (or selected) through the user interface (720), the terminal receives the user interface. Based on a predetermined image acquisition device based on the image content corresponding to the electronic money operating account opening application is obtained (725).

If image content corresponding to the electronic money management account establishment application is obtained through the image acquisition device (730), the terminal transmits the electronic money management account establishment request information and the image content to the server through the financial network. (735).

Subsequently, the server receives and reads an electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the financial network to the electronic money operating account opening request information. Check the validity (740).

According to an embodiment of the present invention, the validity of the electronic money management account establishment request information may be checked in the ledger D / B 170 on the financial system 175 associated with the electronic money operation account opening system. It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 170 on the financial system 175 associated with.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money management account opening request information, the cyber financial account information of the information contained in the electronic money operation account opening request information, which is managed by the cyber financial institution on the Internet virtual reality / virtual space It is preferable to include whether it is one of the financial accounts, and whether or not the financial account managed by the cyber financial institution is a financial account of the customer name.

If the validity of the electronic money management account opening request information is not authenticated (745), the server generates predetermined financial account error information and transmits the information to the terminal (750). Do not perform the procedure for opening a corresponding electronic money operating account.

On the other hand, if the validity of the electronic money management account opening request information is authenticated (745), the server generates a predetermined electronic money management account opening application electronic document containing the image content (755).

According to an embodiment of the present invention, the server operates the electronic money of the Internet virtual reality / virtual space as it is the image file including the image content received from the terminal device 185 through the image receiving unit 120 It is advisable to process the electronic documents for the application of the opening of an electronic money management account.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Application for opening an electronic money management account for the electronic money operation of the Internet virtual reality / virtual space with an image file corresponding to the image content including at least one or more information of financial institution information and cyber financial account information by watermarking method It is desirable to create an electronic document.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 185 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate the electronic money of the Internet virtual reality / virtual space. It is desirable to generate an electronic document for applying for the opening of an electronic money operating account for the bank.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Generate image content including at least one of financial institution information and cyber financial account information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or the like, web document files including MHT), and the electronic money of the Internet virtual reality / virtual space. It is desirable to generate an electronic document for the application of opening an electronic money management account for operation.

According to another exemplary embodiment of the present invention, the server opens the electronic money operating account received through the image receiver and the image content received from the terminal device 185 through the image receiver 120. A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an electronic money management account opening application electronic document for the electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the server may include customer information and cyber information included in the electronic money operation account opening request information received through the information receiver 115 in the image content received from the terminal device 185 through the image receiver 120. Predetermined document file that generates image content including at least one or more information of financial institution information and cyber financial account information by watermarking, and includes the generated image content and the electronic money management account opening request information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Create an electronic document to apply for the opening of an electronic money management account for electronic money management of Internet virtual reality / virtual space. Preferable.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates an electronic money management account opening application electronic document of the image file format and / or a predetermined document file format, and the electronic money operating account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money management account application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 153 and an electronic document D / B 165 associated with a server on the electronic money operating account opening system through predetermined communication means. When provided to the outside, the server transmits the generated electronic money management account opening application electronic document to the electronic document server 153 through the communication means to store in the electronic document D / B (165) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the electronic money operating account opening system, the server is provided with the generated electronic money operating account opening application electronic document in the electronic money operating account opening system. It is possible to store in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the electronic money management account opening application electronic document in the electronic document storage, the electronic money management account opening application electronic document and the predetermined electronic document management information by the linkage processing; It is preferable to include storing in the electronic document D / B (165) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic money management account opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic money management account opening application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an electronic money operating account opening application corresponding to the image content, and / or financial information for transmitting the electronic money operating account opening application electronic document. Institution information, and / or electronic document file format information, and / or the electronic money management account opening request information, etc.).

If the electronic document management application electronic document is stored in the electronic document storage (765), the server is based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information In step 770, the financial account information is generated.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in connection with the financial system 175. Open a financial account in the title (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 175 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby opening the electronic money management account request information; Corresponding to the opening of a predetermined financial account for the electronic money management of the Internet virtual reality / virtual space corresponding to the.

When the server and the financial system 175 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 170 in association with the financial system 175. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 175 exist on another system connected through a predetermined communication means, the server is located on the financial system 175 through a predetermined communication means. It is preferable to request the general ledger D / B 170 on the other financial system 175 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates electronic money management account information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information included in the electronic money management account opening request information. ) (780)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the received electronic money management account opening request information. Preferably, the storage medium 180 stores electronic money management account information including at least one of customer information, cyber financial institution information, and cyber financial account information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 175, the server includes the customer information included in the received electronic money management account opening request information. And providing electronic money management account information including at least one cyber financial institution information and cyber financial account information as an information system through an external system on the financial system 175 and storing the information in a DBMS provided on the financial system 175. It is preferable.

Thereafter, the server records predetermined financial account opening history information (eg, the electronic money operating account opening history, and / or the details of storing the electronic money operating account opening application electronic document in the electronic document repository, and / or the storage). A history of storing the electronic money operation account opening request information on the medium 180) is generated (or extracted) and transmitted to the terminal (785).

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 175 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 180 is a ledger D / B (170) provided in the DBMS on the financial system 175, and / or a predetermined database associated with the ledger D / B (170) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 8 is a diagram illustrating a system for opening a non-face-to-face electronic money operating account for electronic money operation of an internet virtual reality / virtual space according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates an electronic money management account opening request information including a predetermined customer information, cyber financial institution information, and cyber financial account information through a predetermined financial account opening interface. If provided, the electronic institution to open an electronic money management account for electronic money operation of the Internet virtual reality / virtual space based on the request information for opening the electronic money operation account, the electronic money for managing the electronic money operation account The present invention relates to a system configuration for storing money operating account information in a predetermined storage medium 875. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the configuration of an electronic money operation account opening system for the operation of electronic money in virtual space It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 8, and omits the method of storing the electronic money operating account opening application electronic document in the electronic document storage. It is possible to infer the configuration of the system for opening a money management account, and also in the case of storing the electronic money management account opening application electronic document in the electronic document storage, the electronic document storage in addition to the implementation method shown in FIG. The implementation method provided in the DBMS located in the operating account opening system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the electronic money management account establishment request electronic document is illustrated as being generated on the server side on the electronic money management account establishment system, but the present invention is limited thereto. Nevertheless, the electronic money management account establishment request electronic document may be generated at the terminal side which inputs (or selects) the electronic money management account establishment request information and transmits the information (eg, the electronic document generation function provided at the server side). Provided at the terminal side to generate the electronic money operating account opening application electronic document), thereby the present invention is not limited.

Hereinafter, the electronic money operating account opening request information is provided from the customer through a predetermined financial account opening interface on the electronic money operating account opening system shown in FIG. 8, and the customer opens the electronic money operating account. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined electronic money operating account opening request electronic document and storing the electronic document in a predetermined electronic document storage is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, an electronic money operating account opening system for electronic money operation of the Internet virtual reality / virtual space includes at least one wired terminal and / or wireless terminal used by a customer. And a terminal device 880 including at least one client terminal or the like, wherein the terminal device 880 is provided on the electronic money management account opening system through a predetermined network means. The communication channel 800 is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial institution server 800 inputs (or selects) electronic money operation account opening request information for electronic money operation of the Internet virtual reality / virtual space through at least one user interface provided by the financial institution server 800, a predetermined network is provided by the client terminal. It is preferable to transmit to the financial institution server 800 provided on the electronic money operating account opening system through the means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 880 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 880 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE A generic term for all terminal devices 880 connected to the 802.16x-based portable Internet and / or all terminal devices 880 connected to the IEEE 802.11x-based wireless LAN, the CDMA based (and / or HSDPA based) mobile communication network. Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 800, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the electronic money operating account opening system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired line connecting the client terminal and the financial company server 800. The communication network and / or the wireless communication network perform a function of a financial account opening interface for the customer to register electronic money operating account opening request information for electronic money operation of the Internet virtual reality / virtual space.

According to another exemplary embodiment of the present invention, the terminal device 880 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the electronic money operating account opening system as described above, when the terminal device 880 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company. The financial network connecting the server 800 performs a function of a financial account opening interface for the customer to register the electronic money management account opening request information for the electronic money operation of the Internet virtual reality / virtual space, and / or When the terminal device 880 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800. Performs a function of a financial account opening interface for the customer to register the electronic money operation account opening request information for the electronic money operation of the Internet virtual reality / virtual space And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device 880 (not shown) and the terminal (and / or not shown) and the A network connecting a terminal (and / or server) (not shown) and the financial institution server 800 may be used by the customer to register electronic money operation account opening request information for electronic money operation of the Internet virtual reality / virtual space. Function as a financial account opening interface.

The storage medium 875 provided on the electronic money operating account opening system according to the present invention includes the customer information and the cyber financial institution information included in the electronic money operating account opening request information provided from the terminal device 880; Characterized in that the electronic money management account information including at least one or more cyber financial account information is stored.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 870 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution in the cyber virtual reality / virtual space. Do.

The cyber financial account information is the cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

According to an embodiment of the present invention, the storage medium 875 is provided in the DBMS on the financial system 870 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 875 is a ledger D / B 865 provided in the DBMS on the financial system 870, and / or a predetermined database associated with the ledger D / B 865 The present invention is not limited thereto.

According to another method of the present invention, the storage medium 875 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the electronic money operating account opening system according to the present invention is a generic term for the electronic money operating account opening system side components connected to the terminal device 880 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the terminal device 880 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided on the internet banking server, and / or a predetermined access to the external system of the financial system 870 through the internet banking system. A foreign system on the financial system 870 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 870, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 may be configured on the wireless banking system. A predetermined server (or device) provided at a wireless banking server and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 870 through the wireless banking system. A server provided in the external system on the financial system 870 that is a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external system on the financial system 870, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial institution server 800 is connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial bank 870 of the financial system 870 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 870, and / or a program provided in the external system on the financial system 870, thereby limiting the present invention. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 870 through the TV banking system ( Or a device), a program included in the server (or device), and / or in the external system on the financial system 870 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 870, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial institution server 800 includes an interface unit 805 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 880 through the network means. It is characterized by.

According to an embodiment of the present invention, when the terminal device 880 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 may implement a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when the predetermined terminal device 880 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 provides the Internet virtual reality / Generate (or select) at least one user interface for inputting (or selecting) predetermined electronic money operation account opening request information from the terminal device 880 to transmit the electronic money in the virtual space to the financial institution server 800 (or And an interface providing unit 810 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 880 in association with the interface unit 805, and the terminal device ( In operation 880, when the electronic money management account opening request information is input (or selected) through the user interface, the terminal apparatus 8 is connected with the interface unit 805. And an information receiving unit 815 (or information receiving means) for receiving the electronic money operating account opening request information transmitted from 80.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805 and then connects the Internet virtual reality to the financial institution server 800. When requesting a user interface for electronic money operation of a virtual space, the terminal device 880 inputs (or selects) predetermined electronic money operation account opening request information to the financial institution server 800 through the network means. Generate at least one user interface for transmission, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805 via the network means. Characterized in that provided to the terminal device (880).

According to an embodiment of the present invention, when the terminal device 880 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 880 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, at least one or more users inputting (or selecting) predetermined electronic money operation account opening request information to the terminal 880 to the financial institution server 800 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined electronic money operating account opening request information is generated (or extracted) to the financial institution server 800 as described above. The interface providing unit 810 provided to the terminal device 880 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 880 inputs (or selects) electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the user interface, and the input is performed. (Or selected) the electronic money management account opening request information is transmitted to the financial institution server 800 through the network means, and correspondingly, the information receiving unit 815 is connected with the interface unit 805 to the terminal device. Characterized in that for receiving the electronic money management account opening request information transmitted from the (880).

According to the exemplary embodiment of the present invention, the terminal device 880 may be configured in the financial institution server 800 to the electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information. And at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the request information for opening an electronic money management account. It is preferable to transmit to the financial institution server 800 through a network means.

According to an embodiment of the present invention, the terminal device 880 may include at least one encryption method (eg, at least one cryptographic operation account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information). Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or to the electronic money operation account request information. Preferably, a predetermined electronic signature is attached and transmitted to the financial institution server 800 through the network means. For this purpose, the terminal apparatus 880 includes at least one encryption key corresponding to the encryption scheme, And / or have a predetermined public certificate including at least one encryption key, and / or the public If the cursor is provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the electronic money operating account opening request information, and attaching a predetermined electronic signature to the electronic money operating account opening request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the financial institution server 800 receives the electronic money management account establishment request information transmitted from the terminal device 880 through the information receiver 815, the financial institution server 800 opens the received electronic money management account. It is characterized in that the request information is provided with a validity check unit 820 (or validity verification means) for confirming whether or not to satisfy the validity for the electronic money operation of the Internet virtual reality / virtual space.

According to an embodiment of the present invention, the electronic money management account establishment request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity checker 820 may include the at least one decryption scheme (eg, a symmetric key based scheme) corresponding to the encryption scheme. Decryption method, and / or public key-based decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc., thereby validating the validity of the received electronic money operating account opening request information. It is desirable to.

Alternatively, when a predetermined electronic signature is attached to the electronic money management account opening request information, the validity confirming unit 820 checks the electronic signature attached to the electronic money operating account opening request information, thereby receiving the received electronic money. It is desirable to verify the validity of the information on the request for opening a working account.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted electronic money operating account opening request information, and the electronic signature attached to the electronic money operating account opening request information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When a predetermined password for checking the validity of the electronic money operating account opening request information is further included in the electronic money operating account opening request information received through the information receiving unit 815 according to the embodiment of the present invention, The validity verification unit 820 compares and authenticates the password included in the electronic money management account opening request information with the password provided corresponding to the customer on the DBMS, thereby receiving the received electronic money operating account opening request information. It is desirable to authenticate the validity of the.

Alternatively, when the electronic money operating account opening request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the electronic money operating account opening request information, the validity checking The unit 820 compares and authenticates the security card information included in the electronic money management account opening request information and the security card information provided corresponding to the customer on the DBMS, thereby verifying the received electronic money operating account opening request. It is desirable to authenticate the validity of the information.

Alternatively, when the electronic money management account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the electronic money operating account opening request information, the validity checking unit 820 compares and authenticates the received OTP code included in the electronic money management account opening request information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, thereby receiving the received OTP code. It is desirable to authenticate the validity of the request information for opening an electronic money operation account.

According to an embodiment of the present invention, the validity of the electronic money operating account opening request information is checked in the ledger D / B 865 on the financial system 870 associated with the electronic money operating account opening system. It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. And matching with the customer ledger stored in the ledger D / B 865 on the financial system 870 associated with it.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money operating account opening request information, the cyber financial account information of the information contained in the electronic money operating account opening request information, the cyber financial institution on the Internet virtual reality / virtual space is managed by It is preferable to include whether or not one of the financial account, and whether the financial account managed by the cyber financial institution is a financial account of the customer name.

Referring to FIG. 8, when the validity of the electronic money operating account opening request information is authenticated through the validity checking unit 820, the financial institution server 800 includes the received electronic money operating account opening request information. The electronic document generating unit 825 (or electronic document generating means) for generating a predetermined electronic money operating account opening application electronic document and the generated electronic money operating account opening application electronic document are linked to the electronic money operating account opening system. And an electronic document transmission unit 830 (or electronic document transmission means) for transmitting to the electronic document storage.

The electronic document generating unit 825 generates an electronic money operating account opening request electronic document including the electronic money operating account opening request information received from the terminal device 880 through the information receiving unit 815. It is done.

According to an exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information received through the information receiving unit 815. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. A word processor file, or a web document file including an MHT), it is preferable to process the electronic money operation account opening application electronic document for the electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the electronic document generator 825 may include at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information received through the information receiver 815. After generating content, and including at least one or more information of the customer information, cyber financial institution information, cyber financial account information included in the electronic money operating account opening request information in the document content (Watermarking) method, the water Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Before the application for the opening of an electronic money management account for the electronic money operation of the Internet virtual reality / virtual space. It is advisable to deal with it.

Alternatively, the electronic document generator 825 may include at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information received through the information receiver 815. Electronic content management of the Internet virtual reality / virtual space by generating an image and generating an image file including image content (eg, image content generated by capturing the document content on a memory) by capturing the document content. It is advisable to process the electronic documents for the application of the opening of an electronic money management account.

Alternatively, the electronic document generator 825 may include at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information received through the information receiver 815. Customer information and cyber financial institutions included in the electronic money operation account opening request information in the image content (e.g., the image content generated by capturing the document content on a memory) that generates the content and captures the document content. After at least one of the information, cyber financial account information including the watermarking (Watermarking) method, the image file containing the image content including the watermarking for electronic money operation of the electronic virtual currency of the Internet virtual reality / virtual space It is advisable to process the electronic documents for application to open a money management account.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, cyber financial institution information, and cyber financial account included in the electronic money operation account opening request information received through the information receiving unit 815. A predetermined document file (eg, an image content generated by generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic document for the application of opening an electronic money operation account for electronic money operation in the real / virtual space.

Alternatively, the electronic document generator 825 may include at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information received through the information receiver 815. Customer information and cyber financial institutions included in the electronic money operation account opening request information in the image content (e.g., the image content generated by capturing the document content on a memory) that generates the content and captures the document content. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and cyber financial account information in a watermarking manner, and including the image content including the watermarking; , Or a word processor including at least one EDI (Electronic Data Interchange) file, or HWP / DOC. By creating a web document files, etc.) that contains the file or MHT, it is desirable to treat the Internet as a virtual reality / electronic money management account opening application electronic documents for electronic money management in virtual space.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, cyber financial institution information, and cyber finance included in the electronic money management account opening request information received through the information receiving unit 815. Generating document content including at least one account information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the electronic money management account opening request information; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), the electronic money operation account opening application for the electronic money operation of the Internet virtual reality / virtual space to the electronic document It is preferable to process.

Alternatively, the electronic document generator 825 may include at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information received through the information receiver 815. Customer information and cyber financial institutions included in the electronic money operation account opening request information in the image content (e.g., the image content generated by capturing the document content on a memory) that generates the content and captures the document content. A document file including image information including at least one of information and cyber financial account information by a watermarking method, and image information including the watermarking and request information for opening an electronic money management account; (For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) By generating at least one word processor file, or a web document file including the MHT, etc.), it is preferable to process the electronic money operating account opening application for electronic money operation of the Internet virtual reality / virtual space. Do.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825 and the technical features for generating an electronic document operating account application electronic document of the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the electronic money management account opening application document are well understood, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the electronic money operating account opening request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document storage associated with the electronic money operating account opening system. Characterized in that.

As shown in FIG. 8, the electronic document repository is connected to a financial company server 800 on the electronic money operating account opening system and a predetermined electronic document server 850 and electronic document D / B (linked through a predetermined communication means). 863 is provided outside, the former advisory transmission unit 830, the electronic money operation account opening application electronic document generated by the electronic document generation unit 825 through the electronic means through the communication means Characterized in that the transmission to the document server (850).

Herein, when the electronic document server 850 and the electronic document D / B 863 are provided outside the electronic money operating account opening system, the electronic document server 850 and the electronic document D / B 863 ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the electronic money operating account opening system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the electronic money management account opening application electronic document in the electronic document D / B (863) corresponding to the electronic document storage on the DBMS provided in the electronic money operating account opening system, thereby limiting the present invention Not.

According to the embodiment of the present invention, the electronic document transmission unit 830 is electronic document related information for generating predetermined electronic document management information in the electronic document server 850 (for example, the electronic money management account opening request information) Customer information transmitted by inputting (selecting) and / or financial institution information, and / or electronic document file format information, and / or request information for opening an electronic money management account, which transmits the electronic money operation account opening request document; It is possible to further transmit to the electronic document storage, etc., thereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 uses the electronic money operating account opening request information received through the information receiving unit 815 through the validity checking unit 820 to convert the electronic money of the Internet virtual reality / virtual space. If the validity for the operation is authenticated, the information generation unit for generating the financial account information based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information that is validated ( 835 (or information generating means) and an account opening unit 840 (or account opening means) for opening and processing a financial account in the customer's name including the financial account information.

When the validity of the electronic money management account establishment request information is confirmed by the validity confirmation unit 820, the information generation unit 835 includes the customer information and the cyber financial institution information included in the electronic money operation account establishment request information. And generating the financial account information based on the cyber financial account information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. If included, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

The account opening unit 840 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 870 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the electronic money operating account opening request information. It is characterized in that the opening of a predetermined financial account for the electronic money management of the Internet virtual reality / virtual space.

When the financial institution server 800 and the financial system 870 are present in the same system according to an exemplary embodiment of the present invention, the account opening unit 840 is linked with the financial system 870 to ledger D / B. In 865, it is preferable to generate a predetermined account ledger including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 870 exist on another system connected through a predetermined communication means, the account opening unit 840 may use predetermined communication means. Through the external system on the financial system 870 it is preferable to request the ledger D / B 865 on the other financial system 870 to generate a predetermined account ledger containing the financial account information.

Referring to FIG. 8, the financial institution server 800 uses the electronic money operating account opening request information received through the information receiving unit 815 through the validity checking unit 820 to convert the electronic money of the Internet virtual reality / virtual space. When the validity for the operation is authenticated, the electronic money management account information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information included in the electronic money operating account opening request information of which the validity is certified is predetermined. And an information storage unit 845 (or information storage means) stored in the storage medium 875.

When the validity of the electronic money management account opening request information is confirmed by the validity confirming unit 820, the information storage unit 845 includes the customer information and the cyber financial institution included in the electronic money operation account opening request information. And storing the electronic money operating account information including at least one of information and cyber financial account information in the storage medium 875.

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 875. Preferably, the storage medium 875 stores electronic money operating account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the received electronic money operating account opening request information. .

According to another exemplary embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 870, the information storage unit 845 is connected to the received request information for opening an electronic money management account. Electronic money management account information including at least one of the included customer information, cyber financial institution information, and cyber financial account information is provided on the financial system 870 by providing the information system through an external system on the financial system 870. It is preferable to store in the DBMS.

Referring to FIG. 8, a predetermined electronic money operating account opening request electronic document is received from the financial institution server 800 provided on the electronic money operating account opening system, and stored in a predetermined electronic document D / B 863. The managing electronic document server 850 includes an electronic document receiving unit 853 (or an electronic document receiving unit) for receiving a predetermined electronic money operating account opening request electronic document from the financial institution server 800 through a predetermined communication unit. An information generating unit 855 (or information generating means) for generating predetermined electronic document management information for storing and managing the received electronic money operating account opening application electronic document in the electronic document D / B 863; And an electronic document storage unit 860 (or electronic document storage means) for linking the electronic document management information and the electronic money management account opening application electronic document and storing the electronic document management information in a predetermined electronic document D / B 863. It is characterized by made.

The electronic document receiving unit 853 receives the electronic money operating account opening request electronic document in the form of an image file and / or a document file from the financial institution server 800 through the communication means.

According to an embodiment of the present invention, the electronic document management application for electronic document opening account received by the electronic document receiving unit 853 via the communication means is the electronic company received from the terminal device 880 by the financial institution server 800 A document file (eg, a Portable Document Format (PDF) file, or EDI (Electronic Data) including document content including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the request information for opening a currency management account. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document operating account establishment request electronic document received by the electronic document receiving unit 853 through the communication means is based on the electronic money operating account opening request information received by the financial institution server 800 from the terminal device 880. At least one or more of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in document content including at least one of customer information, cyber financial institution information, and cyber financial account information. After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. A word processor file including at least one or a web document file including an MHT). It is preferred.

Alternatively, the electronic document operating account establishment request electronic document received by the electronic document receiving unit 853 through the communication means is based on the electronic money operating account opening request information received by the financial institution server 800 from the terminal device 880. An image including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information, cyber financial institution information, and cyber financial account information. It is preferable to include a file.

Alternatively, the electronic document operating account establishment request electronic document received by the electronic document receiving unit 853 through the communication means is based on the electronic money operating account opening request information received by the financial institution server 800 from the terminal device 880. The electronic money is stored in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, cyber financial institution information, and cyber financial account information. After including at least one or more information of the customer information, cyber financial institution information, cyber financial account information included in the operation account opening request information by watermarking (Watermarking) method, an image file including the image content including the watermarking It is preferable to comprise.

According to another exemplary embodiment of the present invention, an electronic money operating account opening request electronic document that the electronic document receiving unit 853 receives through the communication means is received by the financial institution server 800 from the terminal device 880. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT Web document files, etc.).

Alternatively, the electronic document operating account establishment request electronic document received by the electronic document receiving unit 853 through the communication means is based on the electronic money operating account opening request information received by the financial institution server 800 from the terminal device 880. The electronic money is stored in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, cyber financial institution information, and cyber financial account information. Generate image content including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the operation account opening request information by a watermarking method, and the image content including the watermarking. Document file (eg, Portable Document Format (PDF) file, or EDI (Electronic Data Interchang) e) a file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic money operating account opening request electronic document received by the electronic document receiving unit 853 through the communication means is received by the financial institution server 800 from the terminal device 880. Image content (e.g., capturing the document content in memory by capturing document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the request information for opening an electronic money operation account). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content) and the electronic money management account opening request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document operating request for electronic money management account opening request received by the electronic document receiving unit 853 through the communication means is the electronic money operating account opening request information received by the financial institution server 800 from the terminal device 880. The electronic device is configured to capture image content (eg, image content generated by capturing the document content on a memory) including at least one of customer information, cyber financial institution information, and cyber financial account information. Generate image content including at least one or more of the customer information, cyber financial institution information, and cyber financial account information included in the request information for opening a currency management account by a watermarking method, and the image content including the watermarking. And a document file (eg, PDF (Portable Docume) containing the electronic money operating account opening request information. nt Format) file, EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 855 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic money management account opening request electronic document received through the electronic document receiving unit 853, and the electronic document receiving unit 853 The electronic document management information including electronic document storage date and time information including the date and time (or the date and time the electronic money operating account opening application electronic document was stored) received the electronic money management account opening request electronic document through the; It is characterized by generating.

According to an exemplary embodiment of the present invention, the information generator 855 refers to the financial institution server 800 that has transmitted the electronic money operating account opening request electronic document received through the electronic document receiving unit 853. It is preferable to check the financial institution that has sent the electronic document application for opening a currency management account and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 853 further receives a predetermined electronic document related information from the financial institution server 800, the information generating unit 855 is the received electronic Customer information transmitted by inputting (selecting) the electronic money operation account opening request information, and / or financial institution information transmitting the electronic money operation account opening request electronic document, and / or electronic document file. It is preferable to generate electronic document management information further including format information, and / or the electronic money management account opening request information.

The electronic document storage unit 860 processes the electronic document management application for opening the electronic money account received through the electronic document receiving unit 853 and the electronic document management information generated through the information generation unit 855 to process the predetermined information. The electronic document is stored in the D / B 863.

According to the exemplary embodiment of the present invention, the electronic document operating application for opening an electronic money operating account stored in the electronic document storage unit 860 in the electronic document D / B 863 is the financial institution server 800, the terminal device ( A document file (eg, a Portable Document Format (PDF) file) containing document contents including at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information received from 880. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage application requesting electronic document stored in the electronic document D / B 863 by the electronic document storage unit 860 is electronic money received by the financial institution server 800 from the terminal device 880. Customer information included in the electronic money operating account opening request information, cyber financial institution information, cyber finance in document contents including at least one of customer information, cyber financial institution information, and cyber financial account information included in the operation account opening request information. After including at least one of the account information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file) , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). This is preferred.

Alternatively, the electronic document storage application 860 the electronic money management account opening request application electronic document stored in the electronic document D / B (863) is the electronic company received from the financial device server 800 from the terminal device 880 Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the request for opening a currency management account. It is preferable to include an image file (including image content).

Alternatively, the electronic document storage application requesting electronic document stored in the electronic document D / B 863 by the electronic document storage unit 860 is electronic money received by the financial institution server 800 from the terminal device 880. Image content (e.g., an image generated by capturing the document content on a memory) by capturing document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the operation account opening request information. Contents) includes at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information in a watermarking manner, and then the image contents including the watermarking. It is preferable to include an image file including a.

According to another exemplary embodiment of the present invention, the electronic money operating account opening application electronic document stored in the electronic document D / B 863 by the electronic document storage unit 860 is the financial institution server 800 of the terminal device. Image content (eg, the document) which captures document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information received from 880. Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the electronic document storage application requesting electronic document stored in the electronic document D / B 863 by the electronic document storage unit 860 is electronic money received by the financial institution server 800 from the terminal device 880. Image content (e.g., an image generated by capturing the document content on a memory) by capturing document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the operation account opening request information. Content image) including image information including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information in a watermarking manner, and generating the watermarking. Document file (eg, Portable Document Format (PDF) file, or EDI (Electronic Data Interchan) file containing the embedded image content ge) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic money management account opening application electronic document stored in the electronic document D / B 863 by the electronic document storage unit 860 is the financial company server 800 by the terminal. Image content (eg, the document) which captures document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information received from the device 880. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP /) including image content generated by capturing contents on a memory) and the electronic money operating account opening request information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the electronic document storage application requesting electronic document stored in the electronic document D / B 863 by the electronic document storage unit 860 is electronic money received by the financial institution server 800 from the terminal device 880. Image content (e.g., an image generated by capturing the document content on a memory) by capturing document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the operation account opening request information. Contents) to generate image contents including at least one or more of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operation account opening request information in a watermarking manner. A document file (for example, PDF (Portable Docu) including image content including marking and request information for opening the electronic money management account ment Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 863 by the electronic document storage unit 860 in association with the electronic money management account establishment request electronic document is stored in the electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the electronic document operating application for currency management account and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 863 by processing the electronic document storage unit 860 in association with the electronic money management account opening request electronic document is Preferably, the financial institution further includes information on a financial institution that transmits the electronic money operating account opening request electronic document, which has been identified with reference to the financial institution server 800 that transmits the electronic money operating account opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 860 processes the linkage with the electronic money opening account opening application electronic document. The electronic document management information stored in the electronic document D / B 863 includes customer information transmitted by inputting (selecting) the electronic document related information (eg, the electronic money management account opening request information), and / Or financial institution information for transmitting the electronic money management account opening request electronic document, and / or electronic document file format information, and / or the electronic money management account opening request information.

9 is an implementation method in which a storage medium 875 for storing electronic money operating account information corresponding to an electronic money operating account opened in a non-face-to-face manner is provided in a DBMS on a financial system 870 according to an embodiment of the present invention. Figure is a diagram.

In more detail, in FIG. 9, the storage medium 875 shown in FIG. 8 is the ledger D / B 865 provided in the DBMS on the financial system 870, or is provided in the ledger D / B 865. In this case, the information structure for an embodiment of the electronic money operating account information is stored in the ledger information provided in the ledger D / B (865), a person of ordinary skill in the art If it is possible to infer various information forming methods for storing the electronic money operating account information in the ledger D / B 865 by referring to and / or modifying the drawing 9, the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 865 provided in the DBMS on the financial system 870 is associated with a predetermined customer ledger and the customer ledger. An account ledger corresponding to a financial account opened through the electronic money operating account opening system shown in FIG. 8 and at least one or more information associated with the account ledger are included, which is common in the art. If the person with knowledge, the ledger D / B (865) provided in the DBMS on the financial system 870 has at least one ledger (for example, the receiving ledger, loan ledger, And / or at least one additional information for maintaining and managing the ledgers. Because be aware group the technological requirements, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, and a minor.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the storage medium 875 is the ledger D / B 865, or includes an implementation method provided in the ledger D / B 865 according to an embodiment of the present invention. The electronic money operating account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information provided through the electronic money operating account opening system shown in FIG. And is stored in the form of additional information added to the account ledger.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 870 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual for providing financial services in the cyber financial institution, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the real / virtual space and the financial account provided by the real offline financial institution, the financial institution name, financial institution code for the financial institution on the cyber virtual reality / virtual space comprises at least one or more It is preferable.

The cyber financial account information is the cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

According to another exemplary embodiment of the present invention, the electronic money management account establishment request information may be stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

10 is a ledger provided with a DBMS on a financial system 870 having a storage medium 875 for storing electronic money operating account information corresponding to an electronic money operating account opened in a non-face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with a D / B 865.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 875 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 865 included in the DBMS on the financial system 870. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to transfer the electronic money operating account information to a predetermined database in the ledger D / B ( 865 may be inferred from the various information configuration methods to be stored in association with the present invention, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when the electronic money operating account information is not easily stored in the ledger information of the ledger D / B 865 on the DBMS provided on the financial system 870 (for example, the policy of the financial institution). If it is not easy to change the ledger D / B 865 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 870), the predetermined database may be used instead of the ledger D / B 865. A method of storing electronic money operating account information and storing the electronic money operation account information by linking the database and the ledger D / B 865 is illustrated.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 870 as in the embodiment method shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 10, the storage medium 875 includes a database associated with the ledger D / B 865 provided in the DBMS on the financial system 870. And storing the electronic money operating account information including at least one of the customer information, the cyber financial institution information, and the cyber financial account information included in the electronic money management account opening request information. Preferably, the electronic money management account information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B 865.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 870 associated with the electronic money management account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution in the cyber virtual reality / virtual space. Do.

The cyber financial account information is the cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

11 is a storage medium 875 for storing electronic money operating account information corresponding to an electronic money operating account opened in a non-face-to-face manner according to another embodiment of the present invention, including a DBMS provided in a banking server. It is a figure which shows the implementation method.

In more detail, in Figure 11, the storage medium 875 shown in Figure 8 is provided with a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer the information configuration method for the electronic money operating account information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 11 in which the storage medium 875 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server opens the electronic money management account. And storing electronic money management account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the request information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 870 associated with the electronic money operating account opening system in response to the customer. It is preferable to comprise at least one or more.

The cyber financial institution information is a cyber virtual reality / to provide financial services in the cyber financial institutions, when the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space In order to connect the financial account in the virtual space and the financial account provided by the actual offline financial institution, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution in the cyber virtual reality / virtual space. Do.

The cyber financial account information is the cyber virtual reality / to provide financial services in the cyber financial institutions, if the customer uses one or more financial services through a cyber financial institution of the various services provided through the Internet virtual reality / virtual space Account number and account alias for the financial account for depositing electronic money opened in the cyber virtual reality / virtual space under the customer's name in order to connect the financial account in the virtual space with the financial account provided by the actual offline financial institution. It is preferable to include such as.

12A and 12B illustrate a process of opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space in a non-face-to-face manner according to an exemplary embodiment of the present invention.

12A and 12B show the terminal device 880 on the system for opening an electronic money management account shown in FIG. 8, and the client terminal is connected to the financial institution server 800 through a predetermined network means. In the case of having a web server function, a predetermined customer can open a customer's information, cyber financial institution information, cyber finance through the client terminal in order to open an electronic money operating account for electronic money operation of Internet virtual reality / virtual space. If the electronic money operating account opening request information including at least one account information is provided, the electronic money operating account including at least one of the customer information, cyber financial institution information, cyber financial account information in the electronic money operating account opening system. Electronic Money of the Internet Virtual Reality / Virtual Space Based on the Opening Request Information An embodiment of the present invention relates to an implementation method of opening and processing the electronic money management account, and a person of ordinary skill in the art may refer to and / or modify the drawings 12a and 12b in the client terminal. Although various implementation methods for registering the electronic money operation account establishment request information with the financial institution server 800 may be inferred, the present invention includes all the implementation methods inferred, as shown in FIGS. 12A and 12B. It is not limited to implementation method.

For example, although the method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the electronic money operation account opening request information and storing the electronic document in an electronic document repository, the process may be performed by those skilled in the art. It may be omitted depending on the intention, thereby not limiting the present invention.

12A and 12B further illustrate that the financial institution server 800 provides a user interface for inputting (or selecting) the electronic money operation account opening request information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, thereby the present invention is not limited.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information, cyber financial institution information, and cyber financial account information transmitted to the financial institution server 800 are referred to as "electronic money management account opening request information" for convenience.

12A and 12B, the client terminal shown in FIG. 8 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal). , A CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, etc. When requesting a web page including a user interface for electronic money management of an internet virtual reality / virtual space (1200), the server correspondingly includes at least one of the customer information, cyber financial institution information, and cyber financial account information. A web page including a user interface for inputting (or selecting) information for opening an electronic money operation account to send to the server is generated. The web page including the generated (or extracted) user interface is transmitted to the terminal and output (1210) through the network means.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the electronic money operation account opening request information registration procedure. This is not limited.

Thereafter, the terminal inputs (or selects) electronic money operating account opening request information including at least one or more customer information, cyber financial institution information, and cyber financial account information through the user interface included in the web page (1215).

If the terminal receives (or selects) electronic money operation account opening request information including the customer information, cyber financial institution information, and cyber financial account information through the user interface (1220), the terminal establishes the communication channel. The input (or selected) through the customer information, cyber financial institution information, cyber financial account information is transmitted to the server (1225).

According to an embodiment of the present invention, the terminal is connected to the electronic money operating account opening request information from the server to the electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, cyber financial account information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the transmission to the server via the network means It is desirable to.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for electronic money management account establishment request information including at least one of the customer information, cyber financial institution information, and cyber financial account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and / or a predetermined electronic signature in the electronic money operation account opening request information. It is preferable to transmit to the server through the network means attached to this, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key Have an official certificate of the IC chip and / or E), if provided in the card, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for electronic money management account establishment request information including at least one of the customer information, cyber financial institution information, and cyber financial account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), a car for checking the official certificate provided on the IC chip (or IC card) Preferably, a drier is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the electronic money operating account opening request information, and attaching a predetermined electronic signature to the electronic money operating account opening request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the cyber financial institution information, and the cyber financial account information through the communication channel to confirm the validity of the electronic money operating account opening request information (1230).

According to an embodiment of the present invention, the electronic money management account establishment request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme for the encrypted electronic money operating account opening request information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received electronic money operating account opening request information.

Alternatively, when a predetermined electronic signature is attached to the electronic money management account opening request information, the server checks the electronic signature attached to the electronic money operating account opening request information, thereby receiving the received electronic money operating account opening request information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted electronic money operating account opening request information, and the electronic signature attached to the electronic money operating account opening request information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When a predetermined password for checking the validity of the electronic money operating account opening request information is further included in the electronic money operating account opening request information received through the information receiving unit 815 according to the embodiment of the present invention, The server authenticates the validity of the received electronic money operating account opening request information by comparing and authenticating the received password included in the electronic money operating account opening request information with the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the electronic money management account opening request information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the electronic money operating account opening request information, the server may include: The validity of the received electronic money operating account opening request information is verified by comparing and authenticating the received security card information included in the electronic money operating account opening request information with the security card information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

Alternatively, when the electronic money management account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the electronic money operating account opening request information, the server may be configured to include the OTP code. By comparing and authenticating the received OTP code included in the electronic money management account opening request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received electronic money operating account It is desirable to authenticate the validity of the open request information.

According to an embodiment of the present invention, the validity of the electronic money operating account opening request information is checked in the ledger D / B 865 on the financial system 870 associated with the electronic money operating account opening system. It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. And matching with the customer ledger stored in the ledger D / B 865 on the financial system 870 associated with it.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money management account opening request information, the cyber financial account information of the information contained in the electronic money operation account opening request information, which is managed by the cyber financial institution on the Internet virtual reality / virtual space It is preferable to include whether or not one of the financial accounts, and whether the financial account managed by the cyber financial institution is a financial account of the customer name.

If the validity of the electronic money management account opening request information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1240). Do not open an account.

On the other hand, if the validity of the electronic money management account opening request information is authenticated (1235), the server includes at least one customer information, cyber financial institution information, cyber financial account information including the electronic money management account opening request information. A predetermined document content is generated (1245), and a predetermined electronic money management account opening application electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for opening an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and operates the electronic money on the document content. Document file including document content including watermarking after including at least one of customer information, cyber financial institution information, and cyber financial account information included in the account opening request information in a watermarking manner. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to process the electronic documents for the application of opening an electronic money operating account for the operation of electronic money in the space.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Processing an image file including an image content (e.g., image content generated by capturing the document content in memory) into an electronic document for requesting to open an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space. desirable.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Water information of at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in an image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, it is preferable to process an image file including the image content including the watermarking as an electronic document for opening an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space. .

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT)), the electronic money management account for the electronic money operation of the Internet virtual reality / virtual space It is preferable to process it as an electronic application.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Water information of at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Word document files containing at least one DOC, etc., or Web document files containing MHT. By creating, etc.), it is desirable to process electronic money management account opening application to electronic documents for electronic cash management of the Internet virtual reality / virtual space.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information. And a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory) and the electronic money management account opening request information. The Internet virtual reality / virtual space by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is advisable to process electronic documents for the application of opening an electronic money operating account for the operation of electronic money.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Water information of at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in an image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file or an EDI file) that generates image content including a watermarking method and includes the watermarking image content and the electronic money management account opening request information. Electronic Data Interchange) or WordPro containing at least one file, such as HWP / DOC By generating a tax file or a web document file including MHT), it is preferable to process the electronic money operation account opening application electronic document for electronic money operation of the Internet virtual reality / virtual space.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates an electronic money management account opening application electronic document of the image file format and / or a predetermined document file format, and the electronic money operating account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money management account application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 863 associated with a server on the electronic money operating account opening system through predetermined communication means. When provided to the outside, the server transmits the generated electronic money management account opening application electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (863) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the electronic money operating account opening system, the server is provided with the generated electronic money operating account opening application electronic document in the electronic money operating account opening system. It is possible to store in the electronic document D / B 863 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the electronic money management account opening application electronic document in the electronic document storage, the electronic money management account opening application electronic document and the predetermined electronic document management information by the linkage processing; It is preferable to include storing in the electronic document D / B 863 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic money management account opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic money management account opening application electronic document.

In addition, the electronic document management information transmits a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the electronic money operating account opening request information, and / or the electronic money operating account opening application electronic document). Financial institution information, and / or electronic document file format information, and / or the electronic money management account opening request information, etc.).

If the electronic document management application application electronic document is stored in the electronic document storage (1260), the server is based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information In step 1265, the financial account information is generated.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in connection with the financial system 870. Open and process the financial account of the holder (1270).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 870 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby opening the electronic money management account request information; Corresponding to the opening of a predetermined financial account for the electronic money management of the Internet virtual reality / virtual space corresponding to the.

According to an embodiment of the present invention, when the server and the financial system 870 exist in the same system, the server connects the financial account information to the ledger D / B 865 in association with the financial system 870. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 870 exist on another system connected through a predetermined communication means, the server is connected to the financial system 870 through a predetermined communication means. It is preferable to request the general ledger D / B 865 on the other financial system 870 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates electronic money management account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information, and generates a predetermined storage medium 875. Store in (1275)

According to an embodiment of the present invention, when the storage medium 875 is provided in the server or on a network associated with the server, the server may include the electronic money management account opening request information included in the received information. Preferably, the storage medium 875 stores electronic money management account information including at least one of customer information, cyber financial institution information, and cyber financial account information.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 870, the server includes the customer information included in the received electronic money management account opening request information. And providing electronic money management account information including at least one cyber financial institution information and cyber financial account information as an information system through an external system on the financial system 870 and storing it in a DBMS provided on the financial system 870. It is preferable.

Thereafter, the server records predetermined financial account opening history information (eg, the electronic money operating account opening history, and / or the details of storing the electronic money operating account opening application electronic document in the electronic document repository, and / or the storage). The record storing the electronic money operation account opening request information on the medium 875) is generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 875 is provided in the DBMS on the financial system 870 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 875 is a ledger D / B 865 provided in the DBMS on the financial system 870, and / or a predetermined database associated with the ledger D / B 865 The present invention is not limited thereto.

According to another method of the present invention, the storage medium 875 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process of opening an electronic money operating account for electronic money operation of an internet virtual reality / virtual space according to an embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case in which the electronic money operating account opening system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the electronic shown in FIG. 8). In the case where the financial institution server 800 on the money management account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and authenticates a predetermined customer. After performing the procedure, if the client terminal transmits a predetermined electronic money management account establishment request information to the Internet banking server to open an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space, At least one of the customer information, cyber financial institution information, cyber financial account information in the Internet banking server The present invention relates to a method of opening and processing the electronic money operation account for electronic money operation of the Internet virtual reality / virtual space based on the electronic money operation account establishment request information. In this case, various implementation methods for registering the electronic money operation account opening request information through other types of non-face-to-face financial transaction channels may be inferred by referring to and / or modifying the drawings 13a, 13b, and 13c. The present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering electronic money operating account establishment request information between the client terminal and the internet banking server based on the browser program is illustrated, it is common knowledge in the technical field to which the present invention pertains. In the case of a person having the above, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C is referred to and / or modified based on a predetermined Internet banking program mounted on the client terminal. Inn with the client terminal Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering an electronic money operation account request information between a net banking server, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-facing channel-based financial transactions channels for registering electronic money management account opening request information. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. The technical configuration is not limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and also from the terminal to the server for registering the electronic money operation account opening request information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering electronic money operation account opening request information in the terminal. Attach and / or attach certain electronic signatures to information (or data) When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, the customer authentication data is preferably including a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel through which a terminal can transmit and register information on opening a request for opening an electronic money operation account for electronic money operation of an internet virtual reality / virtual space from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for operating electronic money of the Internet virtual reality / virtual space to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) information for opening an electronic money operation account including at least one of customer information, cyber financial institution information, and cyber financial account information to the server. 1305b, a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) electronic money operation account opening request information including at least one of customer information, cyber financial institution information, and cyber financial account information in the terminal. And / or predetermined password and / or security card information (e.g., during the internet banking application process) to confirm the validity of the Internet banking customer requesting to register the electronic money management account opening request information. The security card information printed on the security card issued to the customer and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application). The user interface for inputting a one-time password generated through the program) It is preferable.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times according to the electronic money management account opening request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, and cyber financial account information through the financial account opening interface (1315b).

If the terminal inputs (or selects) electronic money operation account opening request information including the customer information, cyber financial institution information, and cyber financial account information through the user interface (1320b), the terminal receives the financial transaction channel. Through the input (or selected) the electronic money management account opening request information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal is connected to the electronic money operating account opening request information from the server to the electronic money operating account opening request information including at least one of the customer information, cyber financial institution information, cyber financial account information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the transmission to the server via the network means It is desirable to.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for electronic money management account establishment request information including at least one of the customer information, cyber financial institution information, and cyber financial account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and / or a predetermined electronic signature in the electronic money operation account opening request information. It is preferable to transmit to the server through the network means attached to this, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or includes a predetermined at least one encryption key An official certificate is provided, and / or the official certificate has a predetermined IC chip (or IC car). ) Is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card) provided in the.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for electronic money management account establishment request information including at least one of the customer information, cyber financial institution information, and cyber financial account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), for checking the official certificate provided on the IC chip (or IC card) Laundry is preferably provided with a further.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the electronic money operating account opening request information, and attaching a predetermined electronic signature to the electronic money operating account opening request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the electronic money management account establishment request information through the financial transaction channel and checks the validity of the electronic money management account establishment request information (1330b).

According to an embodiment of the present invention, the electronic money management account establishment request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme for the encrypted electronic money operating account opening request information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received electronic money operating account opening request information. .

Alternatively, when a predetermined electronic signature is attached to the electronic money management account opening request information, the server checks the electronic signature attached to the electronic money operating account opening request information, thereby receiving the received electronic money operating account opening request information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted electronic money operating account opening request information, and the electronic signature attached to the electronic money operating account opening request information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When a predetermined password for checking the validity of the electronic money operating account opening request information is further included in the electronic money operating account opening request information received through the information receiving unit 815 according to the embodiment of the present invention, The server authenticates the validity of the received electronic money operating account opening request information by comparing and authenticating a password included in the electronic money operating account opening request information with a password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the electronic money management account opening request information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the electronic money operating account opening request information, the server may include: The validity of the received electronic money operating account opening request information is verified by comparing and authenticating the received security card information included in the electronic money operating account opening request information with the security card information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

Alternatively, when the electronic money management account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the electronic money operating account opening request information, the server may be configured to include the OTP code. By comparing and authenticating the received OTP code included in the electronic money management account opening request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received electronic money operating account It is desirable to authenticate the validity of the open request information.

According to an embodiment of the present invention, the validity of the electronic money operating account opening request information is checked in the ledger D / B 865 on the financial system 870 associated with the electronic money operating account opening system. It is preferable to include checking whether at least one ledger information matching the establishment request information is registered.

For example, the validity of the electronic money management account establishment request information may include the customer information (customer personal information, member information, etc.) among the information included in the electronic money operation account establishment request information. And matching with the customer ledger stored in the ledger D / B 865 on the financial system 870 associated with it.

In addition, the validity of the electronic money management account opening request information, the cyber financial institution information of the information contained in the electronic money operating account opening request information, the cyber finance actually opened on the Internet virtual reality / virtual space It is preferable to include checking whether it is an engine.

In addition, the validity of the electronic money management account opening request information, the cyber financial account information of the information contained in the electronic money operation account opening request information, which is managed by the cyber financial institution on the Internet virtual reality / virtual space It is preferable to include whether or not one of the financial accounts, and whether the financial account managed by the cyber financial institution is a financial account of the customer name.

If the validity of the electronic money management account opening request information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits the webpage to the terminal (1340b), and the electronic money management Do not open an account.

On the other hand, if the validity of the electronic money management account opening request information is authenticated (1335b), the server includes at least one customer information, cyber financial institution information, cyber financial account information including the electronic money management account opening request information. A predetermined document content is generated (1345b), and a predetermined electronic money operating account opening application electronic document including the document content is generated (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for opening an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and operates the electronic money on the document content. Document file including document content including watermarking after including at least one of customer information, cyber financial institution information, and cyber financial account information included in the account opening request information in a watermarking manner. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to process the electronic documents for the application of opening an electronic money operating account for the operation of electronic money in the space.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Processing an image file including an image content (e.g., image content generated by capturing the document content in memory) into an electronic document for requesting to open an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space. desirable.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Water information of at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in an image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, it is preferable to process an image file including the image content including the watermarking as an electronic document for opening an electronic money operation account for electronic money operation of the Internet virtual reality / virtual space. .

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT)), the electronic money management account for the electronic money operation of the Internet virtual reality / virtual space It is preferable to process it as an electronic application.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Water information of at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Word document files containing at least one DOC, etc., or Web document files containing MHT. By creating, etc.), it is desirable to process electronic money management account opening application to electronic documents for electronic cash management of the Internet virtual reality / virtual space.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information. And a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory) and the electronic money management account opening request information. The Internet virtual reality / virtual space by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is advisable to process electronic documents for the application of opening an electronic money operating account for the operation of electronic money.

Alternatively, the server generates document content including at least one of customer information, cyber financial institution information, and cyber financial account information included in the received electronic money management account opening request information, and captures the document content. Water information of at least one of customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in an image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file, or EDI) that generates image content including a watermarking method and includes the watermarking image content and the electronic money management account opening request information. Electronic Data Interchange) or WordPro containing at least one file, such as HWP / DOC By creating a document file, or web page files, etc.) that contain MHT, it is desirable to process electronic money management account opening application to electronic documents for electronic cash management of the Internet virtual reality / virtual space.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates an electronic money management account opening application electronic document of the image file format and / or a predetermined document file format, and the electronic money operating account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money management account application electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 863 associated with a server on the electronic money operating account opening system through predetermined communication means. When provided to the outside, the server transmits the generated electronic money management account opening application electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (863) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the electronic money operating account opening system, the server is provided with the generated electronic money operating account opening application electronic document in the electronic money operating account opening system. It is possible to store in the electronic document D / B 863 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the electronic money management account opening application electronic document in the electronic document storage, the electronic money management account opening application electronic document and the predetermined electronic document management information by the linkage processing; It is preferable to include storing in the electronic document D / B 863 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic money management account opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic money management account opening application electronic document.

In addition, the electronic document management information transmits a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the electronic money operating account opening request information, and / or the electronic money operating account opening application electronic document). Financial institution information, and / or electronic document file format information, and / or the electronic money management account opening request information, etc.).

If the electronic document management application application electronic document is stored in the electronic document storage (1360c), the server is based on the customer information, cyber financial institution information, cyber financial account information included in the electronic money management account opening request information In step 1365c, the financial account information is generated.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the electronic money management account opened based on the request information for opening the electronic money management account, wherein the electronic money management account includes the savings attribute. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the customer information, cyber financial institution information, and cyber financial account information included in the electronic money operating account opening request information in connection with the financial system 870. Open and process a financial account in the name (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 870 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby opening the electronic money management account request information; Corresponding to the opening of a predetermined financial account for the electronic money management of the Internet virtual reality / virtual space corresponding to the.

According to an embodiment of the present invention, when the server and the financial system 870 exist in the same system, the server connects the financial account information to the ledger D / B 865 in association with the financial system 870. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 870 exist on another system connected through a predetermined communication means, the server is connected to the financial system 870 through a predetermined communication means. It is preferable to request the general ledger D / B 865 on the other financial system 870 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates electronic money management account information including at least one of the customer information, cyber financial institution information, and cyber financial account information included in the electronic money management account opening request information, and generates a predetermined storage medium 875. Stored in (1375c)

According to an embodiment of the present invention, when the storage medium 875 is provided in the server or on a network associated with the server, the server may include the electronic money management account opening request information included in the received information. Preferably, the storage medium 875 stores electronic money management account information including at least one of customer information, cyber financial institution information, and cyber financial account information.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 870, the server includes the customer information included in the received electronic money management account opening request information. And providing electronic money management account information including at least one cyber financial institution information and cyber financial account information as an information system through an external system on the financial system 870 and storing it in a DBMS provided on the financial system 870. It is preferable.

Thereafter, the server records predetermined financial account opening history information (eg, the electronic money operating account opening history, and / or the details of storing the electronic money operating account opening application electronic document in the electronic document repository, and / or the storage). A record of storing the electronic money operation account opening request information on the medium 875) is generated (or extracted) and transmitted to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 875 is provided in the DBMS on the financial system 870 provided on the electronic money operating account opening system (or associated with the electronic money operating account opening system). Preferably, the storage medium 875 is a ledger D / B 865 provided in the DBMS on the financial system 870, and / or a predetermined database associated with the ledger D / B 865 The present invention is not limited thereto.

According to another method of the present invention, the storage medium 875 is provided on (or associated with) the electronic money operating account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a payment system for processing a payment request in an internet virtual space / virtual reality according to an embodiment of the present invention.

More specifically, in Figure 14, a predetermined customer receives cyber account information, payment request amount information, and transaction authentication information for processing a payment request in the Internet virtual space / virtual reality through a payment system through a predetermined payment interface. When providing payment request information including at least one or more, the payment and payment system uses the cyber account information, payment request amount information and transaction authentication information included in the provided payment request information, the Internet virtual space / virtual The present invention relates to a system for providing payment for processing a payment request in the real world. Those skilled in the art to which the present invention pertains may refer to and / or modify the Internet virtual space / virtual reality with reference to FIG. For configuring payment systems to process payment requests in It would be able to infer when the method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, using the payment request information provided from the customer through a predetermined payment interface on the payment system shown in FIG. 14 to provide a payment for processing the payment request in the Internet virtual space / virtual reality Components corresponding to at least one or more means and / or functional configurations are referred to as " cyber financial institution server 1400 " for convenience, and the cyber financial institution server 1400 in FIG. 14 providing the non-face-to-face payment service. ) Preferably includes all types of non-face-to-face banking servers including at least one of an internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 14 according to an embodiment of the present invention, a payment system for processing a payment request in the Internet virtual space / virtual reality includes a client including at least one wired terminal and / or a wireless terminal used by a customer. A payment terminal including at least one terminal 1445 or the like, a network means corresponding to a wired communication network and / or a wireless communication network to which the payment terminal is connected, and connected to the payment terminal through the network means; The cyber financial institution server 1400 that handles payment for processing a payment request in an Internet virtual space / virtual reality, and the customer who requested payment in the payment request processing process in the cyber financial institution server 1400 ( Or if the electronic money is less than the payment request amount, It includes an offline financial institution server 1440 for the settlement of the shortage of the payment request amount and the financial system opened the electronic money operating account opened through the electronic money operating account opening system shown in FIG. It is characterized by.

The financial system that processes at least one payment service through the electronic money operating account opened through the electronic money operating account opening system shown in FIG. 1 or 8 in connection with the cyber financial institution server 1400 includes: At least one window terminal provided at a branch (and / or a branch) of the financial institution and a predetermined financial network (eg, a branch network), and at least one payment settlement customer through the window terminal. Provide face-to-face payment service for.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that connected through, through the financial terminal provides a non-face-to-face payment service for at least one payment customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal 1445 connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, etc. (eg, a personal computer equipped with the wired Internet access and browsing function). And / or provide a non-face-to-face payment service to at least one or more payment customers through a laptop, the wireless LAN / portable internet access and browsing function, and / or the like.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc.) to at least one or more payment customers. Provide face-to-face payment services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based non-face-to-face payment service to at least one payment customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face payment service to at least one or more payment customers through a smartphone or the like.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face payment services to at least one payment customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face payment settlement services to at least one payment settlement customer via a terrestrial DMB terminal).

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one payment customer, and provide at least one payment service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face payment means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various payment and settlement interfaces through at least one common network (eg, CD common network, financial common network), and wherein the financial system is provided between components in the financial system. An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one or more payment customers, to provide at least one payment service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B includes at least one ledger information for at least one payment settlement processing provided by the financial institution to the payment customer. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). And stored in a linked process, wherein the ledger information is the drawing 1 or 8 It characterized in that it comprises a predetermined account ledger corresponding to the electronic money operating account opened through the electronic money operating account opening system shown in.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer is the cyber financial institution server 1400 through at least one client terminal 1445 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Accessing and inputting (or selecting) payment request information for processing a payment request in the Internet virtual space / virtual reality through at least one user interface provided by the cyber financial institution server 1400, the client It is preferable to transmit from the terminal 1445 to the cyber financial institution server 1400 provided on the payment system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless communication At least one wireless communication terminal connected to the trust network, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex-based wireless data communication network, and the like.

In addition, the cyber financial institution server 1400 connected to the client terminal 1445 may be an internet banking server and / or a wireless banking server and / or a telebanking server and / or according to the characteristics of the client terminal 1445 and the network means. Any one of the TV banking server, and / or preferably comprises a separate web server for the information registration.

The network means for connecting the client terminal 1445 and the cyber financial institution server 1400 may be a CDMA based mobile communication network and / or an HSDPA based wireless communication network according to the type of wireless communication network to which the client terminal 1445 is connected. And / or any one of IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network, and / or includes all kinds of future wireless communication networks including a predetermined wireless interval. Do.

In addition, the client terminal 1445 outputs at least one or more user interfaces provided by the cyber financial institution server 1400, and inputs and / or selects at least one or more information through the user interface to the cyber financial institution server. A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the cyber financial institution server 1400, etc.) for transmitting to the 1400 is preferably provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 1445 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

In the above payment system, a client terminal 1445 including at least one wired terminal and / or a wireless terminal used by the customer is connected to the client terminal 1445 and the cyber financial institution server 1400. The at least one wired network and / or the wireless communication network performs a function of a payment interface for the customer to register payment request information for payment request processing in the Internet virtual space / virtual reality.

The cyber financial institution server 1400 provided on the payment system according to the present invention is a generic term for the payment system side components connected to the payment terminal through a predetermined network means, and includes at least one server (or Device) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

The payment request information transmitted from the payment terminal for processing a payment request in the Internet virtual space / virtual reality to the cyber financial institution server 1400 may include predetermined cyber account information and payment request amount information and a transaction. Characterized in that it comprises at least one or more authentication information.

The cyber account information stores the exchanged information in the electronic money management D / B 1435 provided on the cyber financial institution server 1400 through the electronic money exchange process in the Internet virtual space / virtual reality. For customers who wish to use electronic money via virtual reality, account information (e.g. account number, account alias, etc.) for depositing electronic money in cyberspace granted to the customer (or opened at the request of the customer) It is preferable to comprise a.

The payment request amount information includes a payment amount that is paid from the cyber account (or an electronic money management account linked to the cyber account) for processing a payment request in the Internet virtual space / virtual reality. The payment request amount is characterized in that it does not exceed the balance deposited in the cyber account (or electronic money management account connected to the cyber account).

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the payment for processing the payment request in the Internet virtual space / virtual reality. Information for securing, characterized in that it comprises at least one password corresponding to the cyber account, or a password corresponding to the payment settlement.

In addition, in the characteristics of the payment system shown in Figure 14, characterized in that the payment for processing the payment request in the Internet virtual space / virtual reality is made through a non-face-to-face channel, the transaction authentication information is the cyber account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, in the characteristics of the payment system shown in Figure 14, characterized in that the payment for processing the payment request in the Internet virtual space / virtual reality is made through a non-facing channel, the transaction authentication information is the payment payment Based on the authentication certificate information included in the terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the payment terminal), or based on at least one or more encryption keys included in the certificate Preferably, the method further comprises encrypting payment request information or attaching the electronic signature of the customer to the payment request information.

According to an embodiment of the present invention, the cyber financial institution server 1400 is provided with an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the payment terminal through the network means. It is characterized by.

When the payment terminal is a client terminal 1445 including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an embodiment of the present invention, the interface unit 1405 By connecting a predetermined communication channel with the client terminal 1445 based on a protocol stack defined in the wired and / or wireless communication network, and using a communication protocol defined in the communication program provided in the client terminal 1445 It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the client terminal 1445 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 may be connected to the client terminal 1445 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 1445 is provided with a communication program (eg, an internet banking program) provided by the cyber financial institution server 1400, the interface unit 1405 is based on the TCP / IP protocol. It connects a communication channel with the client terminal 1445 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the payment terminal is a client terminal 1445 including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is a protocol stack defined in the wireless communication network. A communication interface for connecting at least one communication channel with the client terminal 1445 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the client terminal 1445. It is preferable to provide.

For example, when the client terminal 1445 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1405 may be configured based on the CDMA protocol. (1445) and a communication channel, and using the WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web page, or HTML compatible web page) and / or information Provides a communication interface for

Referring to FIG. 14, the cyber financial institution server 1400 has a predetermined payment terminal connecting a communication channel with the cyber financial institution server 1400 through the interface unit 1405, and / or the communication channel. When the payment request for payment request processing in the Internet virtual space / virtual reality through the request, in connection with the interface unit 1405, the payment terminal inputs (or selects) predetermined payment payment request information and transmits it. And an interface providing unit 1410 (or interface providing means) for generating (or extracting) a predetermined user interface to provide the payment terminal with the user interface. If a predetermined terminal-side banking program is included, the interface providing unit 1410 is omitted. Preferable.

The interface providing unit 1410 corresponds to a functional configuration provided in the payment terminal after a predetermined payment terminal connects a communication channel with the cyber financial institution server 1400 through the interface unit 1405. Generate a predetermined user interface capable of inputting (or selecting) the payment request information and transmitting it to the cyber financial institution server 1400 via the network means, and / or extract from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 1405 is provided to the payment terminal through the network means.

According to an embodiment of the present invention, when the payment terminal is a client terminal 1445 including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1410. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal 1445, and generates the generated (or extracted) user interface through the interface unit 1405. It is preferable to provide to the client terminal (1445).

According to another exemplary embodiment of the present invention, when the payment terminal is a client terminal 1445 including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 may be connected to the client terminal 1445. Generate (or extract) a predetermined user interface that can be provided by the provided browser program and / or communication program, and provide the generated (or extracted) user interface to the client terminal 1445 through the interface unit 1405. It is desirable to.

According to an embodiment of the present invention, the user interface inputs (or selects) payment request information including at least one or more cyber account information, payment request amount information, and transaction authentication information to the cyber financial institution server 1400. It is desirable to include an interface function to transmit to.

Referring to FIG. 14, the cyber financial institution server 1400 inputs payment request information including at least one of cyber account information, payment request amount information, and transaction authentication information through the user interface in the payment terminal. (Or the selection), the information receiving unit 1415 receiving the payment request information including at least one of the cyber account information, payment request amount information, and transaction authentication information in association with the interface unit 1405. (Or information receiving means) and a validity checking unit 1425 (or validating means) for checking the validity of the cyber account information, payment request amount information, and transaction authentication information included in the received payment request information. And, the payment in the Internet virtual space / virtual reality based on the payment request information confirmed validity Payment settlement for processing the payment request in the Internet virtual space / virtual reality in connection with the payment settlement processing unit 1430 (or payment settlement processing means) and the payment settlement processing unit 1430 for processing the payment settlement for the first request processing And an information transmitter 1420 (or information transmitting means) for generating predetermined payment result information for the payment and transmitting the payment result information to the payment terminal in association with the interface unit 1405. It is characterized by.

The payment terminal inputs (or selects) payment request information including at least one of the cyber account information, payment request amount information, and transaction authentication information through the user interface, and through the network means, through the network means. Characterized in that the transmission to the server (1400).

The information receiving unit 1415 inputs (or selects) payment request information including at least one of cyber account information, payment request amount information, and transaction authentication information through the user interface at the payment settlement terminal, and transmits the request to the network means. When transmitting through, it is characterized in that for receiving the payment request information in conjunction with the interface unit 1405, and provides the received payment payment request information to the validity verification unit 1425.

The cyber account information stores the exchanged information in the electronic money management D / B 1435 provided on the cyber financial institution server 1400 through the electronic money exchange process in the Internet virtual space / virtual reality. For customers who wish to use electronic money via virtual reality, account information (e.g. account number, account alias, etc.) for depositing electronic money in cyberspace granted to the customer (or opened at the request of the customer) It is preferable to comprise a.

The payment request amount information includes a payment amount that is paid from the cyber account (or an electronic money management account linked to the cyber account) for processing a payment request in the Internet virtual space / virtual reality. The payment request amount is characterized in that it does not exceed the balance deposited in the cyber account (or electronic money management account connected to the cyber account).

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the payment for processing the payment request in the Internet virtual space / virtual reality. Information for securing, characterized in that it comprises at least one password corresponding to the cyber account, or a password corresponding to the payment settlement.

In addition, in the characteristics of the payment system shown in Figure 14, characterized in that the payment for processing the payment request in the Internet virtual space / virtual reality is made through a non-face-to-face channel, the transaction authentication information is the cyber account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, in the characteristics of the payment system shown in Figure 14, characterized in that the payment for processing the payment request in the Internet virtual space / virtual reality is made through a non-facing channel, the transaction authentication information is the payment payment Based on the authentication certificate information included in the terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the payment terminal), or based on at least one or more encryption keys included in the certificate Preferably, the method further comprises encrypting payment request information or attaching the electronic signature of the customer to the payment request information.

The validity confirming unit 1425 checks whether the payment request information received from the payment terminal satisfies the validity for processing the payment request in the Internet virtual space / virtual reality.

According to an embodiment of the present invention, the validity of the payment request information is stored in the electronic money management D / B 1435 on the cyber financial institution server 1400, the customer information for the customer who requested the payment is stored; It is preferable that the check is made, and if the customer information is stored, the validity of the payment request information is preferably authenticated.

In addition, the validation of the payment request information includes checking whether a cyber account corresponding to the cyber account information included in the payment request information is opened in the name of the customer in response to the payment request. Preferably, the cyber account balance is greater than the payment request amount, the validity of the payment request information is preferably authenticated.

In addition, when the cyber account balance check result is less than the payment request amount, the amount that can be withdrawn from the electronic money management account opened on the financial system in connection with the cyber account (or the electronic money amount and the electronic money management account). In the case where the sum of the amounts payable through electronic money) is greater than the payment request amount, the validity of the payment request information is preferably authenticated.

In addition, the validity check of the payment request information is compared with the various passwords for the cyber account and the various passwords corresponding to the transaction authentication information included in the payment request information, various passwords corresponding to the transaction authentication information is It is preferable to include whether or not to match, and if the various passwords corresponding to the transaction authentication information match, it is preferable that the validity of the payment request information is authenticated.

When the validity of the payment request information is confirmed, the payment processing unit 1430 requests the payment through an electronic money deposited in the cyber account and an electronic money operating account connected to the cyber account. Based on the cyber account information, payment payment request amount information and transaction authentication information included in the information characterized in that the payment processing for the payment request processing in the Internet virtual space / virtual reality.

According to the implementation method of the present invention, the payment processing for the payment request information requested by the customer, withdraw processing of payment request amount included in the payment request information of the amount deposited on the customer's cyber account; In addition, it is preferable to process the payment request by depositing the withdrawal amount into a cyber account (or a financial account opened in an offline financial institution) to which payment is to be made.

If the electronic money deposited on the customer's cyber account is less than the payment request amount, when the payment processing for the payment request information requested by the customer is smaller than the payment request amount, the offline financial institution server 1440 may correspond with the offline financial institution server 1440. Withdraw the amount for processing the payment amount from the payment account linked to the cyber account and convert it into electronic money, and then process the payment based on the converted money and the electronic money deposited on the cyber account. It is preferable to

When a payment settlement for processing a payment request is processed in the internet virtual space / virtual reality by the payment settlement processing unit 1430, the information transmission unit 1420 is connected to the payment settlement processing unit 1430 and the internet. In the virtual space / virtual reality, a payment processing history including any one of payment payment approval details or payment error details for payment for payment processing for payment request processing is generated, and the payment is made in connection with the interface unit 1405. And payment result information including payment processing details is transmitted to the payment terminal through the network means.

Here, the payment settlement details are characterized in that it comprises the cyber account information and payment request information amount, characterized in that it further comprises an authorization code (or error code) for the payment.

In addition, the payment settlement processing history is characterized in that it further comprises a processing result corresponding to the processing of the payment request through the electronic money management account.

The payment result information is characterized in that it comprises a protocol structure for transmitting the generated payment processing details to the payment terminal via the network means, the payment result information is the payment request information and It is preferably similarly encrypted or transmitted to the payment terminal with the electronic signature of the financial institution attached.

15 is a diagram illustrating a payment settlement process for processing a payment request in an Internet virtual space / virtual reality according to an embodiment of the present invention.

More specifically, FIG. 15 shows the client terminal when the payment server on the payment system shown in FIG. 14 has a non-face-to-face banking server function to which the client terminal 1445 can be connected through a predetermined network means. After 1445 accesses the payment server to connect a communication channel for payment, the cyber account information, payment request amount information, and transaction authentication information are transmitted to the payment server through the communication channel. When the payment request information is transmitted, payment is made in the Internet virtual space / virtual reality using the cyber account information, the payment request amount information and the transaction authentication information included in the received payment request information at the payment server. The present invention relates to an implementation method of providing payment for request processing, to which the present invention pertains. If one of ordinary skill in the art of the present invention, various implementation methods for the process of processing the payment for payment request processing in the Internet virtual space / virtual reality in the non-face-to-face by referring to and / or modified in this figure 15 It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in FIG.

In this figure 15, the client terminal 1445 shown in FIG. 14 is referred to as "terminal" for convenience, and the payment server shown in FIG. 14 is referred to as "server" for convenience.

Referring to Figure 15, the terminal shown in Figure 14 is a predetermined network means (e.g., if the terminal is a wired terminal, TCP / IP based wired communication network, if the terminal is a wireless terminal, CDMA based mobile communication network, and / Or HSDPA-based wireless communication network, and / or the IEEE 802.16x-based portable Internet, etc.) by connecting to the server and requests payment for processing payment request in the Internet virtual space / virtual reality (1500), The server inputs (or selects) payment request information including at least one of cyber account information, payment request amount information, and transaction authentication information for processing a payment request in the Internet virtual space / virtual reality; A web page including (or extracting) is generated and transmitted to the terminal through the communication channel and output (1505).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving payment request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) payment request information including at least one of the cyber account information, payment request amount information, and transaction authentication information through the user interface (1510).

If the terminal receives (or selects) payment request information including the cyber account information, payment request amount information, and transaction authentication information (1515) through the user interface, the terminal receives the communication channel through the communication channel. The cyber account information and payment request amount information and transaction authentication information inputted (or selected) are transmitted to the server (1520), and the cyber account information and payment settlement inputted (or selected) through the communication channel in the terminal. Transmitting the request amount information and transaction authentication information to the server, the electronic signature and / or encryption of the payment request information input (or selected) through the user interface via a security module (not shown) provided in the terminal It is preferably made further comprising the transmission to the server.

Here, the cyber account information stores the exchanged information in the electronic money management D / B (1435) provided on the cyber financial institution server 1400 through the electronic money exchange process in the Internet virtual space / virtual reality For customers who wish to use electronic money through virtual space / virtual reality, account information (e.g. account number, account alias) for depositing electronic money in cyberspace granted to the customer (or opened at the request of the customer) Etc.) is preferable.

The payment request amount information includes a payment amount that is paid from the cyber account (or an electronic money management account linked to the cyber account) for processing a payment request in the Internet virtual space / virtual reality. The payment request amount is characterized in that it does not exceed the balance deposited in the cyber account (or electronic money management account connected to the cyber account).

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the payment for processing the payment request in the Internet virtual space / virtual reality. Information for securing, characterized in that it comprises at least one password corresponding to the cyber account, or a password corresponding to the payment settlement.

In addition, in the characteristics of the payment system shown in Figure 14, characterized in that the payment for processing the payment request in the Internet virtual space / virtual reality is made through a non-face-to-face channel, the transaction authentication information is the cyber account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, in the characteristics of the payment system shown in Figure 14, characterized in that the payment for processing the payment request in the Internet virtual space / virtual reality is made through a non-facing channel, the transaction authentication information is the payment payment Based on the authentication certificate information included in the terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the payment terminal), or based on at least one or more encryption keys included in the certificate Preferably, the method further comprises encrypting payment request information or attaching the electronic signature of the customer to the payment request information.

Thereafter, the server receives and reads payment request information including at least one of the cyber account information, payment request amount information, and transaction authentication information through the communication channel to confirm validity of the payment request information. Checking the validity of the payment request information, if the payment request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the payment request information And decrypting the payment request information and / or decrypting the payment request information.

According to the method of the present invention, the validity of the payment request information is stored in the customer information for the customer who requested the payment to the electronic money management D / B (1435) on the cyber financial institution server 1400 It is preferable that the verification is made, and if the customer information is stored, the validity of the payment request information is preferably authenticated.

In addition, the validation of the payment request information includes checking whether a cyber account corresponding to the cyber account information included in the payment request information is opened in the name of the customer in response to the payment request. Preferably, the cyber account balance is greater than the payment request amount, the validity of the payment request information is preferably authenticated.

In addition, when the cyber account balance check result is less than the payment request amount, the amount that can be withdrawn from the electronic money management account opened on the financial system in connection with the cyber account (or the electronic money amount and the electronic money management account). In the case where the sum of the amounts payable through electronic money) is greater than the payment request amount, the validity of the payment request information is preferably authenticated.

In addition, the validity check of the payment request information is compared with the various passwords for the cyber account and the various passwords corresponding to the transaction authentication information included in the payment request information, various passwords corresponding to the transaction authentication information is It is preferable that the verification is made, including, and if the various passwords corresponding to the transaction authentication information is matched, it is preferable that the validity of the payment request information is authenticated.

If the validity of the payment request information is not authenticated (1530), the server generates a payment processing history including predetermined payment error information corresponding to the validity error information (1535) and the communication channel. In operation 1555, the payment result information including the payment settlement details is transmitted to the terminal, and the terminal outputs the payment settlement result including the payment settlement details (1560).

On the other hand, if the validity of the payment request information is authenticated (1530), the server deals with cyber account information and payment request amount information included in the payment request information through the cyber account (or electronic money management account) Based on the authentication information, the payment process for processing the payment request in the Internet virtual space / virtual reality is processed (1540).

According to the implementation method of the present invention, the payment processing for the payment request information requested by the customer, withdraw processing of payment request amount included in the payment request information of the amount deposited on the customer's cyber account; In addition, it is preferable to process the payment request by depositing the withdrawal amount into a cyber account (or a financial account opened in an offline financial institution) to which payment is to be made.

If the electronic money deposited on the customer's cyber account is less than the payment request amount, when the payment processing for the payment request information requested by the customer is smaller than the payment request amount, the offline financial institution server 1440 may correspond with the offline financial institution server 1440. Withdraw the amount for processing the payment amount from the payment account linked to the cyber account and convert it into electronic money, and then process the payment based on the converted money and the electronic money deposited on the cyber account. It is preferable to

If the payment corresponding to the payment request information is processed (1545), the server according to the payment processing result of the payment settlement details including any one of the predetermined payment approval information or payment error information. Generating (1550), and transmitting payment result information including the payment settlement details through the communication channel to the terminal (1555); correspondingly, the terminal transmits the payment settlement result including the payment settlement details; The screen is output (1560).

According to the present invention, by providing an interworking service between the electronic money management account and the cyber financial account, there is an advantage that can easily use electronic money.

Claims (4)

In the method of processing payment settlement using the electronic money operating account opened on the financial system in the cyber financial institution server, Receiving request information for opening an electronic money operating account including cyber account information from the terminal; Opening an electronic money management account associated with the cyber account information, and storing an account ledger including link information of the cyber account information and the electronic money management account information in a ledger D / B of a financial system; Receiving payment request information including the cyber account information and payment request amount information from the terminal; Validity of the payment request information by checking whether the sum of money withdrawable from the electronic money management account linked to the cyber account and the balance of the cyber account is greater than the payment request amount in the ledger D / B. Authenticating; If the validity of the payment request information is authenticated, first processing the payment for the payment request amount through the cyber account; And If the balance of the cyber account is less than the payment request amount, a predetermined amount of money deposited in the electronic money management account is automatically converted into electronic money and based on the exchanged electronic money and the balance of the cyber account. The payment settlement processing method using the electronic money operating account comprising the step of processing the payment for the payment request amount. The method according to claim 1, The payment settlement processing method using the electronic money operating account further comprising the step of transmitting the now payment result information including the payment processing details to the terminal. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving electronic money operating account opening request information including cyber account information from the terminal; Means for opening an electronic money operating account associated with the cyber account information and storing an account ledger including link information of the cyber account information and the electronic money operating account information in a ledger D / B of a financial system; Means for receiving payment request information including the cyber account information and payment request amount information from the terminal; Validity of the payment request information by checking whether the sum of money withdrawable from the electronic money management account linked to the cyber account and the balance of the cyber account is greater than the payment request amount in the ledger D / B. Means for authenticating; Means for preferentially processing the payment for the payment request amount through the cyber account if the validity of the payment request information is authenticated; And If the balance of the cyber account is less than the payment request amount, a predetermined amount of money deposited in the electronic money management account is automatically converted into electronic money, and based on the exchanged electronic money and the balance of the cyber account. And a payment settlement processing system using an electronic money operating account including means for processing payment settlement for the payment request amount.

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