KR101320630B1 - System and method of processing on internet for joining members of credit card chian via VAN agent - Google Patents

Abstract

The present invention relates to a system and method for processing an online card affiliate through an agent, comprising: a document image input unit configured to scan and input documentary evidence of an affiliate store to apply for electronic subscription; An online card subscription server which receives the document and input information of the affiliated store from the document image input unit and generates an affiliated store ID and automatically generates an electronic subscription application by recognizing data; An authentication processing unit for issuing a certificate to an affiliated subscriber through online from the online card subscription server and processing an authentication result; A plurality of card company servers for receiving the electronic subscription application data, which is electronically signed by the certificate of the affiliated store subscriber, from the online card subscription server and outputting the card affiliate evaluation result; And an authorized electronic archive server that receives and stores the electronically signed electronic subscription application data of the affiliated subscriber who has completed the card affiliate examination online from the online card subscription server and provides a reading when a document reading request is requested.

Description

System and method of processing on internet for joining members of credit card chian via VAN agent}

The present invention relates to an online card affiliate processing system and method through an agent, and more particularly, a subscription application and proof documents of a desired card company are prepared by joining online once through a VAN agent performing various card affiliate processing. The present invention relates to an online card affiliate processing system and method through a VAN dealership that automatically processes an electronic subscription application, application form and entry items for each card company, and required documents at a time, so that card merchant processing can be performed quickly and efficiently.

Recently, a lot of credit cards are used as a means of paying for commerce or service services, and a branch or a store is joining as a credit card affiliated store.

The card user possesses a card issued from the card company, and the affiliated store is provided with a normal card approval terminal for transmitting payment information by accessing a specific VAN company.

The card approval terminal and the VAN's relay system are connected to a predetermined network (eg, telephone Internet), and the VAN's relay system and the card's transaction approval system are generally connected to a dedicated network.

VAN relays the purchase information requested for approval (or cancellation) through the card inquiry machine (terminal) to the merchant and the card company.

On the other hand, in order to apply for a subscription to a credit card merchant is completed by signing up for a subscription application on the offline through the VAN company agency and by attaching supporting documents to obtain a card company affiliated approval.

At present, eight domestic card companies use different forms of registration and supporting documents for branches that wish to join.

Eight card companies in Korea receive 655,000 new / change subscriptions every month and are collecting, scanning, entering data, and storing long-term.

By the way, when looking at the application form for joining the credit card affiliate, there are many similarities because the items of the items or attached documents are duplicated.

In addition, in order to apply as a merchant, it takes a relatively long time to fill out the application form for each card company.

The present invention has been made to solve the above-mentioned conventional problems, its purpose is to introduce the electronic subscription application, the subscription card company that wants to subscribe with a minimum input once to complete all the application form and sign up to be processed to integrate Online card affiliate processing through a distributor that makes the application for the card company's application and supporting documents are completed, the application form for each card company, the application form and the necessary items, and the required supporting documents are processed automatically at a time, so that card merchant processing can be done quickly and efficiently. To provide a system and method.

Online card affiliate processing system through the dealer according to the present invention for achieving the above object, in the electronic subscription application processing system through the VAN dealership to apply for a plurality of card companies, evidence of the merchant to apply for electronic subscription A document image input unit for scanning and inputting the document; An online card subscription server which receives the document and input information of the affiliated store from the document image input unit and generates an affiliated store ID and automatically generates an electronic subscription application by recognizing data; An authentication processing unit for issuing a certificate to an affiliated subscriber through online from the online card subscription server and processing an authentication result; A plurality of card company servers for receiving the electronic subscription application data, which is electronically signed by the certificate of the affiliated store subscriber, from the online card subscription server and outputting the card affiliate evaluation result; And an authorized electronic document storage server that receives and stores the electronically signed electronic subscription application data of the affiliated subscribers who have completed the card affiliate examination online from the online card subscription server and provides a reading when a document is requested. It is.

In addition, in the online card affiliate processing system through the agency according to the present invention, the online card subscription server, the card application table for affiliate application, the application form table for each card company, the document type request table for each card company, the document type table, the document type recognition An affiliate application configuration database including an item table and a recognition extraction target item table; An item value range database for determining an item value range of the recognition extraction target item table of the affiliate application configuration database; And an affiliate application transaction database including an affiliate store information table that defines a unique key of the affiliate store, an affiliate document supporting document table, an affiliate store identification document identification information table, and an affiliate store application entry information table by referring to the affiliate application configuration database. It is characterized by.

In addition, in the online card affiliate processing system through the agent according to the present invention, the online card subscription server, the document determination unit for identifying the affiliate store for the merchant when the image of the scanned document is entered to apply for membership to the card company ; An affiliated store ID generation unit generating an affiliated store ID as a unique identifier for the affiliated store from the image entered into the document determination unit and storing the image; A data recognizing unit recognizing item data to be filled in the application form for each card company from the input documentary evidence; A data determination unit selecting and determining a final data value from a plurality of item data entered into the data recognition unit; And a subscription application generation unit for acquiring the data recognition unit item data and the data value selected by the data determination unit as a subscription application for each card company and converting the data to generate an original subscription application.

In addition, the online card affiliate processing system through the dealer according to the present invention, the document determination unit includes an identifier acquisition unit for obtaining a unique identifier of the affiliated store from the scanned document input document; And, it characterized in that it comprises an identifier comparison unit for comparing with another identifier already stored.

In addition, in the online card affiliate processing system through the dealer according to the present invention, the merchant ID generation unit ID generation unit for generating an ID as the merchant information for identifying the merchant when the unique identifier of the merchant is acquired; And a storage processing unit which stores proof documents scanned and input as merchant information according to the ID.

In addition, the online card affiliate processing system through the dealer according to the present invention, the data recognition unit reference information search unit for retrieving the physical information of the standard form image of the document from the document type table of the affiliate application configuration database; An information recognizing unit recognizing letters, numbers, symbols, and contents in the recognition region of the image with respect to the recognition item for each document type scanned and input by referring to the file type, compression ratio, image resolution, and form layout set by the reference information search unit; And a decision storage unit for acquiring data from a plurality of recognition items for each type of document by the information recognizing unit, and determining and storing the data as recognition item data.

In addition, in the online card affiliate processing system through the dealership according to the present invention, the data determination unit is a duplicate check unit for confirming whether a plurality of item data enters the data recognition unit, the final item as a recognition item data value from the plurality of item data And a final value storage unit for storing and processing the determined final value.

In addition, in the online card affiliate processing system through the dealer according to the present invention, the subscription application generation unit, the application information search unit for inquiring subscription application information from the data recognition unit item data, the data selected and determined by the data determination unit And a final value acquisition unit for importing the final value into a subscription application for each card company, a data conversion unit for converting the final value obtained by importing into the subscription application, and a subscription application generation unit for generating the original subscription application. It is characterized by.

In addition, in the online card affiliate processing system through the dealer according to the present invention, if the recognized information on the same recognition items of the plurality of documents is different, the recognition rate value (Rf), scan according to the original document characteristics for each document document template The recognition accuracy value (Cf) is calculated by reflecting the weight of each value (Wf) according to the quality characteristic (Qf) of the image document, the combination of the Rf value and the range of the Qf value, the Rf and Qf values, and the weights of these values. In consideration of this, the recognition information on the recognition item is determined.

On the other hand, the online card affiliate processing method through the dealer according to the present invention, in the electronic subscription application processing method through the VAN distributor in order to apply for membership to a plurality of card companies, the online card subscription server scans the documents submitted by the merchant Recognizing documentary evidence by referring to an affiliated application configuration database when the image is input online, generating an affiliated store ID, and generating and storing a record in an affiliated document document table of an affiliated transaction DB; The online card subscription server recognizes the data of the recognition items of the document type stored as the document for each affiliate store and stores the data in the affiliate information for each store identification information table; Generating an electronic subscription application by selecting data stored as identification information for a plurality of card companies selected from affiliated subscribers and assigning recognition item data to the configuration item and the document field of the electronic subscription application; The online card subscription server processes the authentication procedure in the electronic subscription application and sends the electronic subscription application document data, which is electronically signed, to the card company server, and returns the result of the examination by the card company server; And the online card subscription server is characterized in that it comprises the step of transmitting the electronically signed electronic subscription application data to the public office server to store the original data and to provide a browse search request.

In addition, in the online card affiliate processing method through the agent according to the present invention, the card application table for affiliate application, the application form table for each card company, the document request form for each card company, the document type table, the document type recognition item table, recognition extraction target items Interworking with the affiliate application configuration database including a table; And interworking with an item value range database for determining an item value range of the recognition extraction target item table of the affiliate application configuration database.

In addition, in the online card affiliate processing method through the dealer according to the present invention, when selecting the identification information for a plurality of card companies, the identification information for the identification items of the document type stored as a document for each merchant, a plurality of evidence documents If the recognized information on the same recognition item is different, considering the recognition rate value (Rf) according to the characteristics of the original document for each document template; Taking into account the quality characteristic Qf of the scanned image document, the weight Wf for each value according to the combination of the Rf value and the range of the Qf value; And determining recognition information for the recognition item, including considering the recognition accuracy value Cf calculated by reflecting the Rf and Qf values and the weights of these values.

According to the present invention, by applying online once through a VAN agent that performs various card affiliate processing, the subscription application and supporting documents of the desired card company can be automatically processed to manage card merchant processing quickly and efficiently.

In addition, by replacing the current paper subscription application with an electronic document, not only can the related costs be reduced, but the total time required for examination can be shortened. Merchants can prepare the application for the desired card company by preparing only the documents and delivering them to VAN without special equipment. It is possible to meet the goal of reducing carbon dioxide emissions in the financial sector through paperless e-subscription, since there is no need to prepare complicated documents by processing electronic signatures and document archiving over the Internet.

1 is an overall configuration diagram of an online card affiliate processing system through an agent in accordance with the present invention.
2 is a service flowchart of an online card affiliate processing system through an agent in accordance with the present invention.
3 is a detailed configuration diagram of an online card subscription server of an online card affiliate processing system through an agent according to the present invention.
4 is a database configuration diagram of an online card affiliate processing system through an agent in accordance with the present invention.
5 is a flowchart of determining a final value in an online card affiliate processing system through an agent in accordance with the present invention.
In Fig. 6, an example of a factor for determining the final value in the online card affiliate processing system according to the present invention is a table.
7 is a flowchart of the online card affiliate processing method through an agent in accordance with the present invention.
8A and 8B illustrate an embodiment of an online card automatic subscription generation process considering the detailed flow of FIG.

Hereinafter, embodiments of the present invention will be described in more detail with reference to the accompanying drawings.

1 is an overall configuration diagram of an online card affiliate processing system through an agency according to the present invention, and FIG. 2 is a service flowchart of an online card affiliate processing system through an agent according to the present invention.

Referring to Figure 1, the online card affiliate processing system through the dealer according to the present invention document image input unit 10, online card subscription server 100, authentication processing unit 20, card company server 200, authorized electronic document storage Server 300 is included.

The document image input unit 100 is for scanning and inputting documentary evidence of the affiliated store to apply for electronic subscription.

The documents mentioned above shall be submitted as evidence when signing up for a card, such as a business registration certificate, a copy of a bankbook, a certified copy of a corporate register, and an identification card.

The document image input unit 10 refers to things such as a scanner, document copying, copying apparatus, camera, etc. which are commonly used in a VAN dealer.

The online card subscription server 100 receives the document and input information of the merchant from the document image input unit 10 online to generate the merchant ID and recognize the data from the document image to automatically generate the electronic subscription application. .

The online card subscription server 100 may include a document determination unit 110, an affiliate store ID generation unit 120, a data recognition unit 130, a data determination unit 140, and a subscription application generation unit 150.

The document determination unit 110 identifies an affiliate store when an affiliate document is inputted in the scanned document image scanned for the affiliate application.

The affiliated store ID generation unit 120 generates an affiliated store ID as a unique identifier for the affiliated store from the image entered into the document determination unit and stores the image.

The data recognition unit 130 recognizes the item data to be entered in the subscription application for each card company from the input documentary evidence.

The data determination unit 140 selects and determines a final data value from a plurality of item data entered into the data recognition unit 130.

The subscription application generation unit 150 acquires the data recognition unit item data and the data value selected by the data determination unit 140 as a subscription application for each card company, and converts the data to generate an original subscription application.

In addition, referring to FIG. 1, an authentication processing unit 20 for issuing a certificate to an affiliated subscriber through an online card subscription server 100 and processing an authentication result is connected to the Internet.

The authentication processing unit 20 is for allowing the merchant subscriber to electronically sign the card subscription application generated by the online card subscription server 100 and the attached documents, that is, the card subscription application documents.

In addition, the plurality of card company server 200 receives the electronic subscription application data digitally signed by the certificate of the merchant subscriber from the online card subscription server online and outputs the result of the card affiliate examination.

In addition, the authorized electronic document storage server 300 receives and stores the electronically signed electronic subscription application data of the card subscriber examination completed through the Internet from the online card subscription server 100, and if there is a request for viewing documents Will be provided.

3 is a detailed configuration diagram of an online card subscription server of an online card affiliate processing system through an agent according to the present invention.

The document determination unit 110 includes an identifier acquiring unit 112 for obtaining a unique identifier of the affiliate store from the scanned input document image and an identifier comparison unit 114 for comparing with another stored identifier.

In addition, the affiliated store ID generation unit 120 includes an ID generation unit 122 for generating an ID as affiliated store information for identifying an affiliated store when a unique identifier of the affiliated store is acquired, and scan input as affiliated store information according to the ID. It includes a storage processing unit 124 for storing the documents.

In addition, the data recognition unit 130 is a reference information retrieval unit for retrieving the file type, compression ratio, image resolution, form layout which is the physical information of the standard form image of the document from the document type table of the affiliate application configuration database 50 ( 132 and information for recognizing letters, numbers, symbols, and contents in the recognition region of the image with respect to the recognition item for each type of documentary evidence input by referring to the physical information of the standard form image set by the reference information search unit 132. A recognition unit 134 and a decision storage unit 136 for acquiring data from a plurality of recognition items for each type of document by the information recognition unit 134 and determining and storing the data as recognition item data.

The data determination unit 140 includes a redundant check unit 142 for checking whether a plurality of item data enters the data recognition unit 130 and duplicate data for determining a final value as a recognition item data value from the plurality of item data. A decision unit 144 and a final value storage unit 146 for storing and processing the determined final value.

The subscription application generation unit 150, the application information retrieval unit 152 for retrieving the subscription application information from the data recognition unit 130 item data, the data final value selected by the data determination unit 140 card The final value acquisition unit 154 positioned in the beacon subscription application field, a data conversion unit 156 for data conversion processing of the final value obtained by the subscription application, and an application original generation unit for generating the original subscription application ( 158).

4 is a database configuration diagram of an online card affiliate processing system through an agent in accordance with the present invention.

The online card subscription server 100 includes an affiliate application configuration DB 50, an affiliate application transaction DB 60, and an item value range DB 70.

The affiliated application configuration DB (50) is a basic information DB that is set in advance in the system, affiliated application card company table, card application form entry table, card company-specific proof request type table, document type table, document type recognition item table, recognition extraction Contains the target item table.

The table of card companies to apply for affiliates is a list of card companies that can join a card in the electronic application form.

The application form table for each card company is an item to be filled out according to each card company's application form.

The required document table for each card company is a list of documents that must be attached to each card company according to the application form.

The document type table is a list of all types of documentary documents regardless of the card company.

The recognition item table by document type is for a list of recognition items that can be recognized as data according to the type of document.

The recognition extraction object table is for a list of recognition items that need to be extracted so that they can be used for data fields for filling out an electronic subscription application.

The reference information setting by the affiliate application configuration DB 50 may be prepared as follows.

The document type table (TBL) is a physical and information setting of a standard document image. It is possible to set the file type, compression ratio, image resolution, form layout, etc., and the information (Group, Order, Display information can be set as Width, Label name, etc.).

Document type recognition item TBL is to set the recognition area on the document standard form image, and the recognition area on the image (set by Width, Height Pixel) and item character characteristics (number of characters, character type (number) , Symbols such as Korean, check box).

The recognition extraction target TBL sets the format, knowledge DB, and output configuration information of the item to be recognized and extracted, refer to the knowledge DB to be used for improving recognition items, data characteristics, and recognition rate, and information necessary for automatic layout configuration on the screen (Group , Order, Width, Label name, etc.)

Fill in the application form for each card company TBL is the item to be entered in the application form, including the location on the application image, the position of the item on the application form, and the size (indicated by Pixel).

In addition, the item value range database 70 is for determining an item value range of the recognition extraction target item table of the affiliate application configuration database 50.

It is for registering the range of values that each item can have and the list for the item to be recognized.The company number (Checksum logic), the address DB based on the address system, the wired and wireless telephone number system and range, the type of business Such as a list.

In addition, the affiliated application transaction DB (60) is an information DB for the image data of the scan document input to the system, the merchant information table, the affiliated document evidence document, the affiliated store document identification information table, the affiliated application application information table It is to include.

Affiliation application transaction DB (60) is classified based on this if the business registration certificate is entered in accordance with the scanned document form and character recognition document identification, and identifies the business registration certificate using the evidence image meta information.

If the business registration certificate is normally identified, a record is generated in the merchant information table, and the unique key of the merchant is obtained by the business registration certificate.

In addition, the identified business registration certificate generates and stores a record in the 'document table for each merchant' and generates a reference to the corresponding merchant record.

For each image identified, various forms using 'evidence image meta-information' are identified and stored in the 'evidence document table for each merchant'. Images that do not correspond to the form registered in the meta information are classified as unrecognized forms. .

In addition, it extracts data by text-recognizing the contents necessary for the creation of affiliate application form from all identified documents.

In this case, the characters on the scanned image are recognized according to the 'evidence image meta information' for each recognition item of the 'identification item identification table for each merchant'.

The recognized data is selected by using the item value range DB (70) to select the recent company recognition value and generate and store the record for each recognition item in the recognition information table for each affiliate store evidence.

If the recognition items exist in multiple documents, the final value can be determined according to the rules. At this time, the final value is generated and stored in the 'application registration information table for each merchant.'

On the other hand, the following rules may be required for which recognition items should be determined as the final data when the recognition items exist in several documents.

First, if the same recognition item has the same recognition value for each document, it is selected as the final value.

Second, if the same recognition items have different recognition values for each document, but there is one same value group, the data of the same value group is selected as the final value and other values are processed as errors.

Third, when the same recognition items have different recognition values for each document, but two or more groups of identical values exist or are different from each other without the same value, the final recognition value selection algorithm described below should be performed.

5 is a flowchart of determining a final value in an online card affiliate processing system through an agent in accordance with the present invention.

First, in case of having different recognition values for the same item, the following elements are defined to determine the final recognition value.

Recognition Factor (Rf) is a TBL having a recognition rate value according to the characteristics of original documents for each document template.

Where Rf = Func (font size / type / color, document quality, content complexity)

In addition, Qf (Quality Factor) is a factor for a comprehensive image quality value calculated in real time by measuring quality characteristics of a scanned image document, that is, resolution, brightness, contrast, character size / type / color value.

Where Qf = Func (resolution, brightness, contrast, character size / type / color)

Reference is made to the Wf (Weight Factor) values for the Rf and Qf values.

The weight factor (Wf) is a weight TBL for each value according to the range combination of the Rf value and the Qf value, and is an element set according to the experience value.

Finally, the Cf (Correctness Factor) value is calculated, and the Cf (Correctness Factor) value is a recognition accuracy value calculated by reflecting the Rf and Qf values and the weights of these values.

Where Cf (i) = Wf (Rf (Di), Qf (Di)): Di is the i-th document

Therefore, the recognition value of the document with the largest Cf value is selected as the final value and determined as recognition item data.

The final recognition value (a) = the recognition value (Index (Max (Cf (D1.a), Cf (D2.a), Cf (Dn.a)))).

In Fig. 6, a factor example for determining the final value in the online card affiliate processing system according to the present invention is shown in the diagram.

7 is a flowchart of the online card affiliate processing method through an agent in accordance with the present invention.

In the method of processing an electronic subscription application through a VAN agent to apply for affiliates to a plurality of card companies, the online card subscription server recognizes the evidence documents by referring to the affiliate application configuration database when an image scanned by the merchant is entered online. By generating an affiliate store ID and generating records in the affiliate document document table of the affiliate application transaction DB (S10).

Next, the online card subscription server recognizes the data of the recognition items of the document type stored as the document for each affiliate store, and stores the data in the affiliate information for each affiliate store proof (S20).

Next, the online card subscription server selects data stored as identification information for a plurality of card companies selected from the affiliated subscribers, allocates the recognition item data to the configuration item and the document field of the electronic subscription application to generate the electronic subscription application (S30). ).

Next, the online card subscription server processes the authentication procedure in the electronic subscription application and transmits the electronically signed electronic subscription application data to the card company server, the card company server examines and returns the examination result (S40).

Finally, the online card subscription server transmits the electronically signed electronic subscription application data to the authorized electronic document storage server to store the original data and provide it to the browsing search request (S50).

In the step before S10, the online card subscription server is a member application including a member application target card company table, card application form filling table, card company's evidence request type table, document type table, document type recognition item table, recognition extraction target item table A configuration database is configured and linked to an item value range database that sets an item value range of the recognition extraction target item table of the affiliate application configuration database.

8A and 8B illustrate an embodiment of an online card automatic subscription generation process considering the detailed flow of FIG.

The online card affiliate processing system according to the present invention generates a member application configuration DB in advance before scanning image input.

In the affiliate application configuration DB, the card company list, the document document list, the recognition extraction target item table are generated and the information is set for generating basic information.

In addition, the affiliated application configuration DB is to set additional information such as physical information, quality information, output information, recognition support information of the image and items.

In addition, a recognition item value range DB for setting a range or list of values that the recognition extraction target item may have is generated.

Next, the application form for registration through text recognition is extracted from the full documentary document image.

Using the configuration DB, the configuration DB related to the document identification table (character identifier, quality information), the document identification item identification table, and the information (physical position, character type, etc.) of the character identifier record, Figure out.

For example, when a business registration certificate image, which is the first document, is input according to the VAN agency's scanning service regulation, merchant information (ID) is generated, and the scanned image is generated and stored in the document document table for each merchant.

It also recognizes and stores the extracted items in the supporting documents for different types of supporting documents and simultaneously stores the document images.

Characters are recognized in the recognition items of the relevant document by referring to the configuration DB, the document type identification item table, and the recognition item value DB, and stored in the recognition information table for each merchant.

After the end of the supporting documents to be recognized and stored, the final value should be determined according to the rules when the recognition items are in multiple documents.

If the same recognition item has different recognition values for each document, but there is one same value group, the data of the same value group is selected as the final value and other values are processed as errors.

If the same recognition items have different recognition values for each document, but two or more groups of identical values exist or are different from each other without the same value, the final recognition value selection algorithm described above should be performed.

When selecting the recognition information data for the recognition items of the document types stored as the supporting documents for each merchant, if the recognition information data for the same recognition items of the plurality of evidence documents is different, Considering the recognition rate value (Rf) according to the original document characteristics, considering the quality characteristic (Qf) of the scanned image document, the weight (Wf) for each value according to the combination of the Rf value and the Qf value range, Rf, The final value is determined by considering the recognition accuracy value Cf calculated by reflecting the Qf values and the weights of these values.

Next, proceed with the process of automatically filling out the application form for each card company using the recognition value.

If the user selects the desired affiliated card company, the screen field for the necessary items, the recognition value for the documentary evidence, and the scanned images are formed by referring to the card company list.

The actual recognition value information is assigned to the screen output configuration item and documentary document field and output to the screen.

In this case, the user can confirm and validate the application data through the user interface (UI).

The user confirms the final value by referring to the automatically recognized value of each document and the final value, and stores the final value in the transaction DB, application information for each merchant, and document documents for each merchant.

The user clicks the auto-generate button to sign up for validation and saves it.

Completion of the application is automatically completed according to the verified final value and attached documents.

At this time, by using the composition DB, application card entry table by each card company, transaction DB, application form information for each merchant, combining the final value with the selected card company subscription application form to generate the final subscription application image, the card application form and supporting documents for each card company And DB.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be construed as limiting the scope of the invention as defined by the appended claims. .

10: document image input unit 20: authentication processing unit
50: affiliated application composition DB (50) 60: affiliated application transaction DB (60)
70: range of item values DB 110: document determination unit
112: identifier acquisition unit 114: identifier comparison unit
120: merchant ID generation unit 122: ID generation unit
124: storage processing unit 130: data recognition unit
132: reference information search unit 134: information recognition unit
136: decision storage unit 140: data determination unit
142: duplicated checker 144: redundant data determiner
146: final value storage unit 150: subscription application generation unit
152: application information search unit 154: final value acquisition unit
156: data conversion unit 158: application source generation unit
100: online card subscription server 200: card company server
300: Certified electronic document storage server

Claims (12)

In the electronic subscription application processing system through the VAN distributor to apply for affiliated application to a plurality of card companies,
A document image input unit configured to scan and input documentary evidence of an affiliated store to apply for electronic subscription;
An online card subscription server which receives the document and input information of the affiliated store from the document image input unit and generates an affiliated store ID and automatically generates an electronic subscription application by recognizing data;
An authentication processing unit connected to the online card subscription server and issuing a certificate of a merchant subscriber through online and processing an authentication result;
A plurality of card company servers for receiving the electronic subscription application data, which is electronically signed by the certificate of the affiliated store subscriber, from the online card subscription server and outputting the card affiliate evaluation result; And
And an official electronic document storage server that receives and stores the electronically signed electronic subscription application data of the affiliated subscribers who have completed the card affiliate examination online from the online card subscription server, and provides a read request when the document is requested.
The online card subscription server,
A document determination unit for identifying an affiliate store when an image of a scanned document inputted by the affiliate store for application to a card company is input;
An affiliated store ID generation unit generating an affiliated store ID, which is a unique identifier for the affiliated store, from the image entered into the document determination unit and storing the image;
A data recognizing unit recognizing item data to be filled in the application form for each card company from the input documentary evidence;
A data determination unit for selecting and determining a final data value from a plurality of item data for any one item entered into the data recognition unit; And
And a subscription application generation unit for acquiring the data recognition unit item data and the data value selected by the data determination unit as a subscription application for each card company, and converting the data to generate an original subscription application.
An application information retrieval unit for retrieving subscription application information from the data recognition unit item data;
A final value acquiring unit for retrieving the final data selected by the data determining unit and placing the final data in the subscription application field for each card company;
A data conversion unit for converting the final value obtained by reading into the subscription application; And
On-line card affiliate processing system comprising a subscription application generating unit application for generating the original subscription application. The method of claim 1,
The online card subscription server,
An affiliate application configuration database including an affiliate application target card company table, an application card entry table for each card company, a proof request type table for each card company, a document type table, a recognition item table for each document type, and a recognition extraction target item table;
An item value range database for determining an item value range of the recognition extraction target item table of the affiliate application configuration database; And
An affiliate application transaction database including an affiliate store information table defining a unique key of the affiliate store by referring to the affiliate application configuration database, an affiliate document supporting document table, an identification table for each affiliate store document, and an application information filling table for each affiliate store Online card affiliate processing system comprising a. delete The method of claim 1,
The document judging unit includes an identifier obtaining unit which obtains a unique identifier of an affiliated store that has applied for an electronic subscription from the scanned document input document; And
On-line card affiliate processing system comprising an identifier comparison unit for comparing with the identifiers of other merchants already stored. The method of claim 1,
The affiliated store ID generation unit generates an ID as an affiliated store information for identifying an affiliated store when a unique identifier of the affiliated store is acquired; And
And a storage processing unit which stores proof documents scanned and input as affiliate store information according to the ID. The method of claim 1,
The data recognizing unit includes: a reference information retrieval unit for retrieving the file type, compression ratio, image resolution, and form layout of the standard form image of the document from the document type table of the affiliate application configuration database;
An information recognizing unit recognizing letters, numbers, symbols, or contents in the recognition region of the image with respect to the recognition items for each document type scanned and input by referring to the file type, compression ratio, image resolution, and form layout set by the reference information retrieval unit; And
And a decision storage unit for acquiring data from a plurality of recognition items for each type of document by the information recognizing unit, and determining and storing the data as recognition item data. The method of claim 1,
The data determination unit may include: a redundant check unit for checking whether a plurality of item data for any one item is input to the data recognition unit;
A duplicate data determination unit that determines a final value as a recognition item data value from the plurality of item data for any one item; And
And a final value storage for storing the determined final value. delete The method of claim 1,
If the recognized information on the same recognition item of the plurality of documents differs, the recognition rate value Rf according to the original document characteristics of each document template, the quality characteristic Qf of the scanned image document, the Rf value and the Qf Recognition information for the recognition item is determined by considering the weight Wf for each value according to the range of values, the Rf and the recognition accuracy value Cf calculated by reflecting the Qf values and the weights of these values. Determining the online card affiliate processing system. In the method of processing an electronic subscription application through a VAN distributor in order to join the plurality of card companies,
When the online card subscription server scans the document submitted by the merchant and enters the image online, the online card subscription server recognizes the document by referencing the affiliate application configuration database, generates an affiliate ID, and records the record in the affiliate document document table of the affiliate application transaction DB. Generating and storing;
The online card subscription server recognizes the data of the recognition items of the document type stored as the document for each affiliate store and stores the data in the affiliate information for each store identification information table;
The online card subscription server selects data stored as identification information for a plurality of card companies selected from merchant subscribers, allocates recognition item data to the configuration item and document field of the electronic subscription application, and retrieves the final data determined by the card company. Automatically generating an electronic subscription application by placing it in the subscription application field;
The online card subscription server processes the authentication procedure in the electronic subscription application and sends the electronic subscription application document data, which is electronically signed, to the card company server, and returns the result of the examination by the card company server; And
The online card subscription server comprises the steps of: transmitting the electronically signed electronic subscription application data to the official electronic document storage server to store the original data and to provide a browse search request. 11. The method of claim 10,
Before the online card subscription server generates a merchant ID and generates and stores a record in an affiliated document document table of an affiliate application transaction DB,
Interworking with the affiliate application configuration database including the affiliate application target card company table, application card entry table for each card company, proof request type table for each card company, document type table, recognition item table for each document type, and recognition extraction item table; ; And
And interworking with an item value range database for determining an item value range of the recognition extraction target item table of the affiliate application configuration database. 11. The method of claim 10,
When the recognition information data is selected for a plurality of card companies for recognition items of the document types stored as documentary evidence for each merchant, if the recognized information on the same recognition item of the plurality of documents is different,
Considering a recognition rate value (Rf) according to the characteristics of the original document for each document template;
Considering a quality characteristic (Qf) of a scanned image document and a weight (Wf) for each value according to a combination of the range of the Rf value and the Qf value;
And determining recognition information for the recognition item, including considering the Rf value, the recognition accuracy value Cf calculated by reflecting the Qf value and the weights of these values. .

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