KR101494409B1 - Method for Processing Loan by Using Estimated Payment Amount on Account - Google Patents

Abstract

The present invention relates to a method of processing a loan through an amount of money to be deposited, and in a method of processing a loan through an account transfer planned amount executed by a server, A recordable account which is used as a deposit path of funds and records transaction details matched with transaction details of the actual account and at the same time a recordable account capable of recording the deposit plan details is opened in the ledger and from the device of the transfer source to deposit funds into the real account The deposit schedule information including the received deposit schedule information is recorded in the ledger of the recordable account, and when the customer requests the loan, the deposit schedule details are stored in the name of the shop customer who applies for the loan Checking whether the recordable account to be recorded is opened, and when checking the recordable account, History will record as a deposit on a loan basis to handle the customers.

Deposit account, deposit schedule, loan processing

Description

Method for Processing Loan by Using Estimated Payment Amount on Account "

1 is a diagram showing a recordable account registration system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a recording type account ledger information configuration according to an embodiment of the present invention.

FIG. 3 is a diagram showing a record type account ledger information configuration according to another embodiment of the present invention.

FIG. 4 is a diagram illustrating a process of providing information for record-type account registration (or opening) according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an information providing process for registering (or opening) recordable accounts according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of processing a recordable account into an online account according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a recording-type account management system configuration for storing a deposit schedule in a recordable account ledger for automatically generating deposit-related accounting data of an online store according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a process of storing a deposit plan in a recordable account ledger to automatically generate deposit accounting data of an online store according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of a recordable account management system for automatically generating deposit-related accounting data of an online store according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of storing deposit transaction details in a recordable account ledger to automatically generate deposit-related accounting data of an online store according to an embodiment of the present invention.

FIG. 11 is a diagram showing a configuration of a recordable account lending system for a planned deposit amount secured loan according to an embodiment of the present invention.

FIG. 12 is a diagram illustrating a process for lending money to be deposited according to an embodiment of the present invention.

FIGS. 13A and 13B illustrate a process of locking a withdrawal transaction of a real account against a deposit amount of a recordable account in accordance with an embodiment of the present invention.

FIG. 14 is a diagram showing a process of repayment of a loan for a deposit amount loan of a recordable account according to an embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

700: Recordable account management server 705: Interface unit

710: Information receiving unit 715: Information confirming unit

720: a unique number assigning unit 725:

730: Payment agency server 735: Payment agent server

The present invention relates to a method of processing a loan through an account transfer planned amount executed by a server, the method comprising: a transfer step of transferring a transaction account of the real account to a real account of a store customer, And records the transaction details matched with the deposit account information, and records the deposit account details in the ledger, receives the deposit schedule information from the device of the deposit device to deposit the funds into the real account, In the record of the recordable account, checking whether a recordable account in which the deposit schedule details is recorded in the name of the shop customer who applies for the loan at the time of application of the customer's loan is confirmed, When confirming the recordable account, the customer's loan is processed based on the deposit schedule recorded on the ledger of the recordable account And a method of processing a loan through the amount of money to be deposited.

Due to the continuous development of information and communication technology, economic activity (purchase / settlement) using online is frequently occurring, and the scale of the online economy is expanding day by day.

At the heart of the on-line economic activity are numerous online shops, which have become a major axis of economic activity in Korea.

Accordingly, the online store also requires tremendous financial management such as an offline store (or a company). In particular, accounting management becomes more complicated as stores deal with many kinds of goods.

However, apart from some large online stores, there is no specific means for accounting management. Thus, most small-scale online shops are used for high cost, hiring part-time staff for accounting management, It is a fact that the management is settled.

In order to solve the above problems, an object of the present invention is to provide a method of processing a loan through an account transfer planned amount executed by a server, comprising the steps of: transferring money from a designated account to a real account, A first step of opening a recordable account in a ledger which records transaction details matched with the transaction details of the actual account and records a deposit plan history, and a second step of depositing funds from the transfer device A third step of recording the deposit schedule details including the received deposit schedule information on the ledger of the recordable account, a third step of recording the name of the shop customer requesting the loan A fourth step of confirming whether or not a recordable account in which a record of the deposit is recorded is opened; Based on the payment history will record a write-President of the loan account is the method through direct deposit will amount includes the 5 steps to process the loan of the customer to provide.

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The loan processing method according to the present invention is a method for processing a loan through an account transfer planned amount executed by a server, the method comprising: transferring funds from a specified deposit to a real account A first step of opening a recordable account, which is used as a deposit path of the actual account and records transaction details matched with transaction details of the actual account and at the same time recording the deposit plan details on the ledger, A third step of recording the deposit schedule details including the received deposit schedule information on the ledger of the recordable account, a third step of receiving the deposit schedule information from the device, A fourth step of confirming whether or not a recordable account in which the deposit plan details is recorded in the name of the customer is opened, And a fifth step of processing the customer's loan on the basis of the deposit schedule details recorded in the ledger of the recordable account upon confirmation.
The fifth aspect of the present invention is a method of processing a loan through an account deposit planned amount according to the present invention, wherein the fifth step is a step in which a deposit transaction to the real account is not generated among the deposit schedule details recorded in the ledger of the recordable account for a recent period And the credit of the customer is processed within the amount of money to be deposited included in the deposit schedule.
The method further comprises a fifth step of, when the loan application is approved, processing the amount of the loan approved amount to be deposited into the actual account, according to the present invention.
The method of processing a loan through an account transfer planned amount according to the present invention is characterized in that when the application for loan is approved, a transfer schedule related to the loan approval is specified from among the transfer schedule details recorded in the ledger of the recordable account, And a sixth step of recording in the ledger of the account.
The method further includes a seventh step of, after the approval of the loan application, locking the loan-approved amount of the funds to be deposited into the real account from the depository, according to the present invention .
In the loan processing method according to the present invention, it is preferable that the lock processing is a processing for processing a deposit transaction corresponding to a deposit transaction that is matched with a deposit schedule related to the loan approval from the deposit schedule details recorded in the ledger of the recordable account The amount of money is treated as a target.
The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. If a person skilled in the art is familiar with the present invention, it will be possible to easily understand the functions of the components which have been used in the past among the functional configurations not shown in the following, The relationship between the components and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , And the present invention is by no means thereby limited. That is, each of the above-described means may be a server (or terminal) provided on the system shown in the following embodiments, or a predetermined function configuration provided in at least one server (or terminal) Or a combination of at least two functional components provided in the terminal (or terminal). In addition, although the server (or terminal) shown in the following embodiments includes at least two or more functional components for the sake of convenience of the present invention, the functional components shown in the server (or terminal) The present invention can be applied to two or more servers (or terminals) that are matched with the above-described means and are different depending on the role and function of each function configuration unit and the operator (or operating agency) of the server (or terminal) No.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a recordable account registration system according to an embodiment of the present invention.

More specifically, FIG. 1 shows a recording type for supporting the store accounting management of an online store (for example, an Internet shopping mall) by a predetermined terminal device 175 via a predetermined network means to a predetermined recordable account registration server 100 The recordable account registration server 100 provides the recordable account application information provided from the terminal device 175 to a predetermined information processing server provided in a predetermined financial institution, To the information processing server (140), thereby establishing a recordable account in the form of an online account corresponding to the recordable account application information in the information processing server (140) , It is possible to refer to and / or modify the FIG. 1 to provide a recordable account for supporting the store accounting management of the online store (for example, an Internet shopping mall, etc.) It will be understood that various ways of carrying out the present invention may be deduced, but the present invention includes all of the above-mentioned embodiments, and is not limited to the method shown in FIG.

According to the present invention, in order to automatically generate the accounting data of the online store, the recordable account matches the transaction details related to the accounting of the online store among the transaction details of the actual account of the online store with the actual account transaction details, And an online account recorded in the account transaction history. To this end, a unique number is assigned to each recording account transaction record recorded in the recordable account ledger, and the allocated unique number is recorded in the account account transaction (Or contents) item of the record, so that transaction details related to the accounting of the online store among the actual account transactions are linked and recorded in the transaction details of the recordable account.

In addition, the recordable account may be a real account of an online store (or an online store representative) as a parent account, or a real account of a web server managing entity provided with the online store as a parent account, Or a financial institution) can be used as the parent account. Hereinafter, the embodiment will be described for the sake of convenience in that the record account uses the actual account of the online store as the parent account.

Referring to FIG. 1 according to an embodiment of the present invention, a recordable account registration system for registering a recordable account in the form of an online account, in which a real account operated in the online store is a parent account, The recordable account registration server 100 of the recordable account registration server 100 of the recordable account registration server 100 to request the recordable account registration (or establishment), and to record the predetermined recordable account application information corresponding to the recordable account registration (175) that is connected to the terminal device (175) through a predetermined network means and receives predetermined recordable account application information from the terminal device (175), and records the received record A recordable account registration server 100 for providing the account application information to an information processing server 140 provided in a predetermined financial institution, , Receives the recordable account application information from the recordable account registration server 100, and registers (or opens) a recordable account of the online store customer name based on the received recordable account application information An information processing server 140, and a financial system for operating the recordable account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one customer and provide at least one financial transaction service based on the financial account, (Or window), an account system for handling window services such as reception or trust or foreign exchange, an information system for handling processing of the headquarters service, support for branch office information, and management of customer information, At least one non-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, etc.) provided in at least one or more external communication networks and / or interconnection between different financial systems (and / , TV banking, etc.) to the financial system and / or at least And a financial system for providing various financial transaction interfaces through a public network (for example, a CD public network and a financial public network), and the financial system is also provided with interfacing between components in the financial system (For example, ledger information and / or customer information and / or management information) required for performing each function in the components in the financial system, and an interface module corresponding to a middleware platform And a DBMS (DataBase Management System) including at least one or more databases for storing and managing financial transactions. The financial transaction through the financial system is performed by the financial account under the Financial Real Name Transaction The financial account corresponding to the real name financial account corresponding to the Enforcement Decree (Presidential Decree No. 15744) Yiwu is effectively treated.

According to an embodiment of the present invention, the financial system may be adapted to the intent of the person skilled in the art and / or to the purpose and features of the financial system, such as the type of financial institution (e.g., commercial bank, savings bank, trust bank) Accordingly, it is possible to further include at least one component such as a foreign exchange module (not shown), an investment banking module (not shown), and an international system module (not shown) The detailed description of the financial system will be known to those skilled in the art, so that a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one or more window terminals provided at a branch (and / or branch office) of the financial institution and a predetermined financial network And provides a face-to-face financial transaction service for at least one account opening customer through the counter terminal.

The financial system may further include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or a branch office) of the financial institution, and / At least one financial terminal provided in one or more other financial institutions (and / or other financial institution branches), and / or a predetermined financial network (e.g., CD shared network) with at least one financial terminal provided in a public place And provides a non-face-to-face financial transaction service for at least one account opening customer through the financial terminal.

In addition, the financial system is connected to a predetermined Internet banking server, and a network (e.g., a wired Internet and / or an IEEE 802.11x based wireless LAN, etc.) connected to a TCP / IP based backbone network through the Internet banking server, At least one client terminal (e.g., a personal computer (PC) and / or a notebook computer having the wired Internet access and browsing function), a wireless LAN / portable Internet Face-to-face financial transaction service to at least one account-opening customer through a notebook computer and / or a portable terminal equipped with an access and browsing function).

Further, the financial system is characterized in that it is associated with a predetermined wireless banking server, and a predetermined wireless network (e.g., CDMA (Code Division Multiple Access) based mobile communication network and / or IEEE 802.16x (E.g., a PCS (Personal Communication System) and / or a GSM (Global) communication system having a connection and browsing function to the mobile communication network and / or a mobile communication network Face type financial transaction service to at least one account opening customer through a system for mobile terminal and / or a PDA (Personal Digital Assistant) and / or a smart phone and / or telematics) do.

In addition, the financial system is characterized by being associated with a predetermined IC chip-based wireless banking server, and a predetermined wireless network (for example, a CDMA (Code Division Multiple Access) -based mobile communication network, (For example, a wireless terminal equipped with a financial IC chip) connected to a wireless network (for example, a mobile phone and / or an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network) To provide non-face-to-face financial transaction services based on IC chips.

In addition, the financial system is characterized in that it is associated with a predetermined telephone banking server, and at least one banking server connected to a predetermined wired voice communication network (e.g., a Public Switched Telephone Network (PSTN)) via the telephone banking server (E.g., PCS and / or GSM) connected to a wired communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a Code Division Multiple Access Face-to-face financial transaction service to at least one or more account-opening customers via a terminal and / or a smart phone.

In addition, the financial system is characterized by being associated with a predetermined home banking server, wherein at least one home appliance connected to a predetermined home network through the home banking server (e.g., a digital TV connected to a home network, a refrigerator ) Provides a non-face-to-face financial transaction service to at least one account opening customer.

In addition, the financial system is characterized by being associated with a predetermined TV banking server, and at least one digital TV (for example, an interactive digital TV, a satellite DMB terminal, etc.) connected to a predetermined return channel through the TV banking server , A terrestrial DMB terminal, etc.) to provide a non-face-to-face financial transaction service to at least one account opening customer.

According to the present invention, an on-line shop customer registering the recordable account through an online channel can be provided with at least one terminal device 175 among a wire terminal connected to a predetermined wire communication network and / or a wireless terminal connected to a predetermined wireless communication network And is connected to the recordable account registration server 100 and is provided with various application services provided by the recordable account registration server 100.

The wired terminal connected to the wired communication network of the terminal device 175 collectively refers to all the terminal devices 175 connected to the TCP / IP based communication network. The wired terminal is connected to the TCP / IP based communication network (E.g., a set-top-box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network KIOSK), and the like.

The wireless terminal connected to the wireless communication network may include all the terminal devices 175 connected to the CDMA (Code Division Multiple Access) based mobile communication network and / or all the terminal devices 175 connected to the IEEE 802.16x based portable Internet, (PCS) connected to the CDMA-based mobile communication network and / or a personal digital assistant (PCS) connected to the CDMA-based mobile communication network, all of which are connected to a wireless data communication network of the DataTAC system of Motorola Corporation and / (PDA) and / or a smart phone (PDA) and / or a personal digital assistant (PDA) and / or a personal digital assistant (Smart Phone) and / or telematics, or a Portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex It comprises a wireless data communication terminal connected to a wireless data network, such as at least one is preferable.

The recordable account registration server 100 includes a web server provided with the online store or a server provided in a recordable account registration institution (or financial institution) affiliated with the web server The terminal device 175 includes at least one wired terminal (or wireless terminal) through the wired communication network (or wireless communication network) according to the intention of those skilled in the art, And / or a portal server (Portal Server) and / or a search server that provides a personalized service that includes a personalized and / or mini homepage / blog, and / or mail and / or messenger services and / .

According to the present invention, the information providing service provided by the recordable account registration server 100 to the terminal device 175 includes at least one or more online shop customers Record-type account description information.

Also, the recordable account registration server 100 may transmit at least one user interface for registering the recordable account to the terminal device 175 (or 175) via network means including the wired communication network (or wireless communication network) The terminal device 175 inputs (or selects) predetermined recordable account application information for registering the recordable account through the user interface, and transmits the recordable account application information to the wired communication network (or wireless communication network) To the recordable account registration server (100) through the network means including the recordable account registration server (100).

To this end, the terminal device 175 outputs at least one user interface provided from the recordable account registration server 100, and inputs and / or selects at least one recordable account application information through the user interface (For example, a browser program and a communication function, or a predetermined communication program and a communication function for communicating with the recordable account registration server 100) for transferring the recordable account registration server 100 to the recordable account registration server 100 .

If the person skilled in the art is familiar with the present invention, it is possible to output at least one user interface provided from the recordable account registration server 100 as described above, and to record at least one recordable account application (Or wireless terminal) that inputs and / or selects the information and transmits it to the recordable account registration server 100, it is possible to easily infer the features of the terminal device 175 corresponding to the at least one wired terminal , A detailed description thereof will be omitted for the sake of convenience.

According to an embodiment of the present invention, the recordable account registration server 100 is provided with an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 175 through the network means .

When the terminal device 175 includes a wired terminal (or a wireless terminal) connected to a predetermined wired communication network (or a wireless communication network) according to an embodiment of the present invention, The terminal device 175 is connected to a predetermined communication channel based on a protocol stack defined in the wireless network and / or a protocol stack defined in the wireless network, (Or data) transmission / reception.

For example, when a browser program corresponding to the HTTP (Hyper-Text Transfer Protocol) protocol is provided in the terminal device 175, the interface unit 105 transmits the browser program to the terminal device 175 (E.g., a Hyper-Text Markup Language (HTML) compliant web page) and / or a communication interface for transmitting / receiving information using the HTPP protocol defined in the browser program.

Alternatively, when the terminal apparatus 175 is provided with the communication program provided by the recordable account registration server 100, the interface unit 105 transmits the communication program provided by the recordable account registration server 100 to the terminal apparatus 175, And provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the terminal device 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 may receive, based on the protocol stack defined in the wireless network, It is desirable to connect a predetermined communication channel with the device 175 and to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the terminal device 175 Do.

For example, when a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol is provided in the terminal device 175, the interface unit 105 transmits, (E.g., a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) and / or information transmission / reception using a WAP / ME protocol defined in the browser program Lt; / RTI >

Referring to FIG. 1, the recordable account registration server 100 is connected to a recordable account registration server 100 through a predetermined terminal device 175 via the interface unit 105 and / (Or creates) a predetermined user interface for inputting (or selecting) the predetermined record type account application information from the terminal device 175 in cooperation with the interface section 105 when the user inputs (or opens) And an interface unit 105 connected to the interface unit 105 to provide the user interface to the terminal apparatus 175 in cooperation with the interface unit 105. [ An information receiving unit 120 for receiving predetermined record type account application information to be input (or selected) through the input unit 120, and transmitting the received record type account application information to an information processing server 140) And an information relay section 130 provided is characterized in that formed.

In addition, the recordable account registration server 100 may include a web server provided with the online store, or a server provided in a recordable account registration institution (or financial institution) affiliated with the web server And may include a search service including at least one information / content and / or personalization including a mini-homepage / blog through at least one terminal device 175 through the interface unit 105 according to the intention of a person skilled in the art And a web service unit 115 for providing a web-based service including at least one service, a mail service, and / or a messenger service, and / or various information providing services. If the recordable account registration server 100 is a portal server and / or a search server, With at least one terminal device (175) for performing a function to read and, because it groups the method for providing the web-based service, and a detailed description thereof will be omitted for convenience.

The recordable account registration server 100 may receive the record account application information received via the information receiver 120 from the terminal device 175 through the information receiver 120 Or recordable account issuance information including at least one recordable account information generated by the information processing server 140 based on the recordable account application information, The record type account issuance information is recorded in the account type D / B 135, and the record type account issuance information is recorded in the record type account application information and the record type account application information, Type account security information and online account attribute information received from the terminal device 175 in addition to the recordable account information registered (or opened) Or at least it is preferable that further comprising.

When the predetermined terminal device 175 accesses the recordable account registration server 100 through the interface unit 105 and / or applies for a recordable account registration (or opening) (Or selects) the recordable account application information corresponding to the function configuration provided in the terminal device 175 and generates a predetermined user interface that can be transmitted to the recordable account registration server 100 through the network means (Or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 105 to a network interface (not shown) and / or a predetermined database To the terminal device (175).

Thereafter, the terminal device 175 inputs (or selects) the recording account application information based on the user interface, and transmits the input (or selected) recordable account application information to the recording type To the account registration server (100).

In a case where the terminal device 175 includes a wired terminal connected to a predetermined wired communication network according to an embodiment of the present invention, the interface providing unit 110 may include a browser program and / or a communication program (Or a predetermined web source D / B (not shown)) via the interface unit 105, and generates a predetermined user interface (or a predetermined web source D / B And provides the user interface to the terminal device 175.

According to another embodiment of the present invention, when the terminal device 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication (Or extracts from a predetermined web source D / B (not shown)) a predetermined user interface that can be provided by a program, and transmits the generated (or predetermined web source D / B ) To the terminal device (175).

According to the embodiment of the present invention, the user interface for inputting (or selecting) predetermined recordable account application information from the terminal device 175 in the recordable account registration server 100 includes at least one recordable account And an interface for selecting at least one recordable account to which the online shop customer applies.

When the recordable account corresponding to the recordable account application information corresponds to the recordable account of the free deposit and withdrawal type, the user interface for inputting (or selecting) the recordable account application information includes a record And an interface for outputting recordable account detailed information such as the corresponding recordable account name and interest rate information to the terminal device 175 and confirming that the online store customer has confirmed the recordable account detailed information .

In addition, the user interface for inputting (or selecting) the recordable account application information may output the agreement information corresponding to the recordable account to the terminal device 175, Interface.

In addition, the user interface for inputting (or selecting) the recordable account application information may include customer personal information (e.g., customer name, resident registration number, telephone number, mobile phone number, (Or selects) the customer account information (e.g., customer ID information, password information) provided in the recordable account registration server 100 and / or inputs (or selects) Interface.

Thereafter, the terminal device 175 records the record-type account selection information for selecting at least one recordable account to which the online shop customer applies among the plurality of recordable accounts through the user interface, (Or selects) the record type account application information including at least one of the agreement agreement information and the customer information for the recordable account application customer, and transmits the record account application information to the recordable account registration server 100 through the network means .

According to the method of the present invention, the user interface for inputting (or selecting) the recordable account application information may include an account password for the recordable account corresponding to the recordable account application information, and / (Or selecting) at least one recordable account security information (e.g., a password or PIN (Personal Identification Number) information, etc.) through the at least one recordable account security information.

If the interface for inputting (or selecting) recordable account security information including at least one recordable account security information is provided to the terminal device 175, the terminal device 175 inputs (or selects) recordable account security information through the interface (Or selected) account security security information to the recordable account registration server 100 via the network means, or transmits the recordable account security information to the recordable account application server 100 To the recordable account registration server (100) via the network means.

If the recordable account security information is included in the recordable account application information, it is possible to secure Confidentiality, Authentication, Integrity and Nonrepudiation of the recordable account security information. The recordable account security information (or the recordable account application information including the recordable account security information) is encrypted with a predetermined encryption method and transmitted to the recordable account registration server 100. [

According to an embodiment of the present invention, the user interface for inputting (or selecting) the recordable account application information may include an online account attribute information process for inputting (or selecting) the recordable account in the form of an online account Or an interface for selecting one or more of the functions.

If an interface for inputting (or selecting) the online account attribute information is provided to the terminal device 175, the terminal device 175 inputs (or selects) the online account attribute information through the interface, (Or selected) online account attribute information to the recordable account registration server 100 via the network means, or further includes the online account attribute information in the recordable account application information, To the recordable account registration server (100).

Here, the online account attribute information may include parent account information (for example, actual account information of an online store (or an online store representative)) for processing the recordable account to be linked with one parent account (or a real account) Actual account information of the web server management institution provided, or real account information of the recordable account management institution (or financial institution)).

According to the embodiment of the present invention, the user interface for inputting (or selecting) the recordable account application information is a user interface for inputting (or selecting) the recordable account application information in the online shop room account linked to the recordable account, And an interface for inputting (or selecting) accounting account information related to accounting.

If the interface for inputting (or selecting) the accounting account information is provided to the terminal device 175, the terminal device 175 inputs (or selects) the accounting account information through the interface, The recordable account registration server 100 transmits the selected accounting account information to the recordable account registration server 100 via the network or the recordable account application information further includes the accounting account information, To the registration server (100).

According to another embodiment of the present invention, in place of the accounting account information, virtual account information for each deposit path including at least one virtual account number corresponding to an accounting-related deposit path of the online store, It is possible to provide an interface for inputting (or selecting) a code to the terminal device 175 and directly receive the virtual account information and the withdrawal classification code for each deposit route from the terminal device 175, Is not limited.

When the terminal device 175 inputs (or selects) predetermined recordable account application information through the user interface and transmits the recordable account application information through the network means, the information receiving unit 120 interlocks with the interface unit 105 And receives the recordable account application information, and provides the received recordable account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the recordable account application information may include recordable account selection information for selecting at least one recordable account to which the recordable account application customer requests from among the plurality of recordable accounts, and records corresponding to the recordable account It is preferable to include at least one or more pieces of agreement information.

In addition, the terminal device 175 may input (or select) predetermined recordable account security information through the user interface and transmit the recordable account security information through the network means, or the terminal device 175 may transmit the recordable account security information The recordable account security information is received by the information receiving unit 120 in cooperation with the interface unit 105. The recordable account security information may be received by the recordable account security information receiving unit 120, And provides the information to the information relay unit 130 and / or the information storage unit 125.

In addition, the terminal device 175 may input (or select) predetermined online account attribute information through the user interface and transmit the selected online account attribute information to the terminal device 175 through the network means, The online account attribute information may be received by the information receiving unit 120 in cooperation with the interface unit 105. The online account attribute information may be stored in the recordable account application information, To the information relay unit (130) and / or the information storage unit (125).

The information storage unit 125 stores the recordable account application information received through the information receiver 120 in the recordable account D / B 135 in the recordable account issuance information The recordable account registration server 100 (or the recordable account registration server 100 management organization) reads the recording account application information stored in the recordable account D / B 135, To provide a basis for receipt of a commission based on the attracting customer for the recordable account application.

When the recordable account security information is received through the information receiving unit 120, the information storage unit 125 stores the recordable account issuance information obtained by linking the recordable account security information with the recordable account application information, And the recordable account security information is stored in the recordable account D / B 135, wherein the recordable account security information is stored in the recordable account registration server 100 (or the financial account server operating the recordable account) (Or payment settlement) using a credit card.

When the online account attribute information is received through the information receiving unit 120, the information storage unit 125 stores the online account attribute information, which associates the online account attribute information with the recordable account application information, And the online account attribute information is stored in the D / B 135. The online account attribute information is stored in the D / B 135 in the financial account server 100 (or the financial account server operating the record account) (Or payment settlement).

According to the embodiment of the present invention, when the predetermined recordable account corresponding to the recordable account application information is opened by the information processing server (140), the information storage unit (125) 100) (or the financial account server that operates the recordable account) to the recordable account information opened by the information processing server 140 for financial transaction (or payment settlement) using the recordable account, The record type account application information included in the record type account issuance information is stored in the record type account D / B 135, which is further included in the account issuance information, or the record type account application information included in the record type account issuance information, Information, and thus the present invention is not limited thereto.

Here, the recordable account information includes a recordable account number in the form of an online account number generated by the information processing server 140, account holder information corresponding to customer information included in the recordable account application information, And financial institution information on which the recordable account is established.

The information relaying unit 130 records the recordable account application information received through the information receiving unit 120 through a predetermined communication means (for example, a recording type corresponding to the recordable account) The information processing server 140 transmits the information to the information processing server 140 provided in the financial institution where the account is registered (or opened) And a record-type account corresponding to the account application information is opened.

The communication means for connecting the recordable account registration server 100 and the information processing server 140 may block access by a third party other than the recordable account registration server 100 and the information processing server 140 (For example, the recordable account registration server 100) for providing a secure communication function between the recordable account registration server 100 and the information processing server 140, A communication network for encrypting the recordable account application information by a predetermined encryption method and transmitting the encrypted record application application information to the information processing server 140 and decrypting the recordable account application information through a decryption method corresponding to the encryption method in the information processing server 140) .

When the recordable account security information is received through the information receiving unit 120, the information relay unit 130 transmits the recordable account security information to a financial institution corresponding to the recordable account through a predetermined communication means The information processing server 140 transmits the information to the information processing server 140. The information processing server 140 then transmits the information to the information processing server 140, And records the recordable account security information.

When the online account attribute information is received through the information receiving unit 120, the information relay unit 130 transmits the online account attribute information to the financial institution information corresponding to the recordable account through the predetermined communication means To the processing server 140. The information processing server 140 processes the recordable account opened on the financial system of the financial institution as an online account.

When the accounting account information is received through the information receiving unit 120, the information relay unit 130 transmits the accounting account information to an information processing server provided in a financial institution corresponding to the recordable account, The information processing server 140 transmits at least one virtual account number corresponding to the accounting account information to the recordable account ledger on the financial system of the financial institution And stores the withdrawal class code information including at least one withdrawal class code corresponding to the accounting account information in association with each other.

According to another embodiment of the present invention, when the information processing server 140 is provided with the recordable account registration server 100 function and / or when the information processing server 140 is a predetermined banking server, The relay unit 130 relays and links the terminal device 175 and the information processing server 140 to the information processing server 140 so that the recordable account application information It is possible to directly relay a predetermined user interface for receiving the recordable account application information and the recordable account security information or the online account attribute information or the accounting account information so that the information processing server 140 From the terminal device 175 via the predetermined network means the recordable account application information (or the recordable account application information and recordable account security information, Left attribute information, or accounting account information) can be directly received, and thus the present invention is not limited thereto.

According to another embodiment of the present invention, at least one recordable account registration server 100 and the information processing server 140 are relayed between the recordable account registration server 100 and the information processing server 140 And / or at least one record-type account registration server (100) and at least one information processing server (100), and / or at least one record-type account registration server (Not shown) for relaying a plurality of relay servers (not shown) to the plurality of relay servers 140. The present invention is not limited thereto.

Referring to FIG. 1, the information processing server 140 receives the record type account application information (or the recordable account application information and recordable account security information) provided from the recordable account registration server 100 through the communication means , An online account attribute information, or accounting account information) corresponding to the record type account application information received through the information receiving unit 145 in association with a predetermined financial system, And an online account processing unit (155) for processing the opened record account in the form of an online account in which the actual account corresponding to the online account attribute information is a mother account, characterized by comprising an account opening unit (150) .

The information receiving unit 145 receives the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, provided from the recordable account registration server 100 via the communication means) (Or recordable account application information and recordable account security information, or online account attribute information, or accounting account information) to the account (or accounting account information) And provides it to the setting unit 150.

According to an embodiment of the present invention, the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, or the accounting account information) provided from the recordable account registration server 100 The information receiving unit 120 decrypts the encrypted recordable account application information (or the recordable account application information and recordable account security information, online account attribute information, or accounting account information) It is preferable to further comprise a function.

The account opening unit 150 receives the record account application information (or the recordable account application information and the recordable account security information, or the online account information) from the recordable account registration server 100 through the information receiving unit 120 Attribute information, or accounting account information) is provided, a recordable account corresponding to the recordable account application information is opened through the financial system.

The account opening unit 150 establishes a recordable account corresponding to the recordable account application information by displaying the record of the recordable account application information included in the recordable account application information in the ledger D / And registering a recordable account ledger corresponding to record agreement type selection information and agreement agreement information included in the record type account application information, .

When the recordable account security information is received through the information receiving unit 145, the account opening unit 150 registers the recordable account security information in the recordable account ledger registered in the financial system .

Those skilled in the art will appreciate that the account opening unit 150 may be configured to open the recordable account in cooperation with the financial system (for example, register a predetermined recordable account ledger) As you are familiar with the procedure, a detailed description of it is omitted for your convenience.

When the online account attribute information is received through the information receiving unit 145, the online account processing unit 155 transmits the recordable account (or recordable account ledger) opened by the account opening unit 150 to the on- And processing the actual account corresponding to the account property information as an online account having the parent account.

According to one embodiment of the present invention, if the online account attribute information includes the actual account information of the online store (or the online store representative), the online account processing unit 155 may store the account information of the online store (or online store representative) (Or an online store representative) on the ledger D / B provided on the financial system and the recordable account ledger in a relational form corresponding to the actual account of the online store .

According to another embodiment of the present invention, when the on-line account attribute information includes real account information of a web server operating entity provided with the on-line shop, the on-line account processing unit (155) Processing the account account of the server management institution as a parent account of the recordable account and storing the account ledger corresponding to the real account of the web server management institution provided with the online store on the ledger D / B provided on the financial system, It is desirable to handle the brokerage ledger in a relational manner.

According to another embodiment of the present invention, when the online account attribute information includes the real account information of the recordable account management institution (or financial institution), the online account processing unit 155 transmits, (Or a financial institution) corresponding to the actual account of the recordable account management institution (or financial institution) on the ledger D / B provided on the financial system by processing a real account of the recordable account And the recordable account ledger in a relational manner.

1, the information processing server 140 stores N (N> = 1) pieces of N (N> = 1) pieces of diameter path information matching the settlement amount corresponding to payment of the online store, An account number assigning unit 160 (or an account number assigning unit) for assigning N virtual account numbers to the recordable account; (Or information storage means) for storing virtual account information for each deposit path, which is obtained by linking virtual account numbers for each of the plurality of deposit paths, in association with the recordable account ledger, .

Wherein the online store is provided with a payment means corresponding to at least one payment means category, and when the customer who has connected to the online store makes a payment through the payment means corresponding to the specific payment means category, The settled amount corresponding to the payment is transferred to the account of the online shop through at least one payment gateway (PG) for each payment means corresponding to the payment means or a settlement agency for each payment means (for example, a financial company, a credit card company or the like) The payment path includes at least one payment agency for each payment means or a settlement agency for each payment means, and it is preferable that the deposit path information corresponds to an account related to import of the accounting account information .

Here, it is preferable that the payment means for payment of the on-line store is included in at least one payment means category (for example, card payment, virtual account settlement, account transfer settlement, cash settlement (or settlement of account settlement)).

According to an embodiment of the present invention, the deposit route information may include at least one payment agency information for each payment means for depositing the settlement amount corresponding to payment of the online store to the account of the online store, Or financial institution information of at least one or more payment means for depositing the settled amount corresponding to payment of the online store to the account of the online store.

The account number assigning unit 160 assigns N (N > = 1) virtual account numbers for one to one matching with N (N > = 1) particle path information to the recordable account .

According to an embodiment of the present invention, when the depositing route corresponds to the category of the payment means for payment of the card of the online store, the account number assigning unit 160 assigns the payment agency (or payment It is preferable to check the deposit path information for each institution and to assign a virtual account number for matching one-to-one with the confirmed deposit path information in the record type account.

Here, the category of the card payment means includes at least one of a credit card payment means, a check card payment means, a debit card payment means, a prepaid card payment means, and the like, and the payment agency (Or a settlement organization) is preferably provided to each payment agency (or settlement agency) corresponding to the card payment means, and then the payment agency (or settlement agency) It is preferable to deposit the settlement amount corresponding to the card settlement of the online shop through the assigned virtual account number.

Alternatively, when the deposit path corresponds to a payment means category for virtual account settlement of the online store, the account number assigning unit 160 deposits money by the payment agency (or settlement agency) corresponding to the category of the virtual account settlement means It is preferable to confirm the route information and allocate a virtual account number that matches the confirmed deposit path information one-to-one with the recordable account.

Here, the virtual account number matched with the deposit path information per payment agency (or settlement agency) corresponding to the virtual account settlement means category is provided to each payment agency (or settlement agency) corresponding to the virtual account settlement means And the payment agency (or settlement agency) then deposits the settlement amount corresponding to the virtual account settlement of the online store through the allocated virtual account number.

Alternatively, if the deposit path corresponds to a category of settlement means for settlement of account transfer of the online store, the account number assignment unit 160 deposits money for each payment agency (or settlement agency) corresponding to the category of the account transfer settlement means It is preferable to confirm the route information and allocate a virtual account number that matches the confirmed deposit path information one-to-one with the recordable account.

Here, the virtual account number matched with the deposit path information for each payment agency (or settlement agency) corresponding to the category of the account transfer payment means is provided to each payment agency (or settlement agency) corresponding to the account transfer means And the payment agency (or settlement agency) then deposits the settlement amount corresponding to the account transfer settlement of the online store through the allocated virtual account number.

Alternatively, if the deposit path corresponds to a category of settlement means for cash settlement (or non-deposit payment) settlement of the online store, the account number assigning unit 160 corresponds to the cash settlement It is preferable to confirm the deposit path information for each payment agency (or settlement agency) and assign a virtual account number that matches the deposit path information to the record type account one-to-one.

Here, the virtual account number matched with the deposit path information for each of the payment agencies (or settlement agencies) corresponding to the category of the cash depositing (or non-performing deposit) settlement means is a virtual account number corresponding to each of the cash depositing (Or a settlement institution), and the payment agency (or settlement agency) then transmits the settlement amount corresponding to settlement of the cash deposits (or uninvited account deposits) of the online store through the assigned virtual account number It is preferable to carry out deposit processing.

Those skilled in the art will be able to deduce various types of payment means other than the card payment means, the virtual account payment means, the account transfer payment means, the cash depositing (or non-deposit payment) payment means, The present invention includes all the methods of assigning the respective virtual account numbers matching one-to-one with the deposit path information for each of the payment agencies (or settlement agencies) corresponding to the different payment means to be inferred .

(Or settlement agencies) corresponding to N (N > = 1) payment means supported by the online store by the account number assigning unit 160 and the payment path information corresponding to N When each virtual account number is assigned, the information storage unit 170 associates the N (N > = 1) deposit path information with the virtual account number per allocated N (N > = 1) Generating virtual account information for each deposit path, and storing the generated virtual account information for each deposit path in association with the recordable account ledger.

1, when the accounting account information is received through the information receiving unit 145, the information processing server 140 transmits a withdrawal transaction of the recordable account (for example, a real account linked to the recordable account) A withdrawal classification code generation unit 165 (or withdrawal classification code generation means) for generating M (M > 1) withdrawal classification codes corresponding to the account of expenditure of the accounting account information (or expenditure items of the online store) An information storage unit 170 (or an information storage unit) for storing the withdrawal classification code information created by linking the generated withdrawal classification codes with M (M > 1) withdrawal account information in association with the recordable account ledger, ).

The withdrawal classification code includes a basic expenditure account applied to most of the online stores among the accounting account information and an extended expense account applied according to the type and characteristics of the products sold in the specific online store. According to a preferred embodiment of the present invention, the basic expenditure account is automatically set up among the accounting account information, and the extended expenditure account corresponding to the online store is received from the terminal device 175 through the accounting account information .

The withdrawal class code generation unit 165 generates a withdrawal class code including at least one basic expense account and an extended expense account for the online store during withdrawal transactions of the recordable account (for example, a real account linked to the recordable account) The withdrawal classification code is preferably one-to-one matched with an expenditure account of the accounting account information, or an expenditure item of the online store.

Those skilled in the art will appreciate that a preferred account configuration for the basic expenditure account among the accounting accounts and an account for the extended expenditure account applied according to the type and nature of the products sold in the online store Since the account configuration can be deduced, a detailed description thereof will be omitted for the sake of convenience.

When the withdrawal classification code generation unit 165 generates an expulsion classification code corresponding to the accounting account information, the information storage unit 170 stores the generated withdrawal classification code M (M> 1) Withdrawal class code information formed by linking the withdrawal class code and each expenditure account information matched one-to-one with each other, and storing the generated withdrawal class code information in association with the recordable account ledger.

FIG. 2 is a diagram showing a record type account ledger information configuration according to an embodiment of the present invention.

2 is a diagram showing an example of an online account type in which the actual account of the online store is used as the parent account in the ledger information stored in the predetermined ledger D / B 200 provided in the DBMS on the financial system shown in FIG. 1 FIG. 3 illustrates a preferred embodiment of the recordable account ledger information corresponding to the Internet shopping mall in which one online store is provided.

A person skilled in the art will be able to refer to and / or modify the drawing 2 to create a variety of recordable account ledger information configurations in which the actual account of the online store is the parent account in the ledger D / It is to be understood that the present invention is not limited only to the method shown in FIG.

For example, if the person skilled in the art is familiar with the present invention, the recordable account ledger information structure shown in FIG. 2 may be referred to, and a recordable account ledger Various embodiments of the information structure can be inferred, but the present invention is characterized in that all the above-mentioned embodiments are included.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger, a bill ledger associated with the customer ledger , A loan ledger, etc.) and at least one or more pieces of information associated with the account ledger. If a person skilled in the art is familiar with the present invention, the ledger D / B 200 is provided with at least one ledger (for example, a ledger, a collateral ledger, ...) and / or at least one or more ledgers for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be appreciated that further information is included and that specific technical details will be known to those skilled in the art, The.

The customer director establishes at least one financial account in the financial institution and transmits customer information corresponding to a customer (for example, an individual customer, an enterprise customer, a corporate customer, etc.) that processes at least one financial transaction through the financial account A customer identification number, a customer address, a location code, a telephone number, a business number, a name, a classification code, an expiration date, a state, and the like. TRW, DB, Usage, Parent Company Number, Headquarters Information, Settlement Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Phone Number, Mailing Location, Account Number, President, Industry, Legal Representative. At least one or more of the following: a name of the state, the name of the state, a transmission, a sex, a resident, a job, a mailing address, a company name, a guardian name, a guardian telephone number, And the customer ledger includes ledger information for a customer including at least one of an individual customer, an enterprise customer, and a minor.

According to an embodiment of the present invention, the customer ledger registers a record-type account ledger in the form of an online account in which the actual account of the online store is a parent account through the recordable account registration system shown in FIG. 1, It is desirable to store the information of the online shop customer ledger.

Those skilled in the art will appreciate that the contents and features of the information contained in the customer ledger will be clearly understood, and a detailed description thereof will be omitted for the sake of convenience.

The account ledger corresponding to the actual account of the on-line store is associated with the customer ledger in a related relationship. The account ledger information includes an account number, a CIF number, a point number, a currency, an opening date, a status, , The RBT balance 1, the RBT balance 2, the account balance, the account number, the current interest, the time extension, the time extension, the ARS setting, the final payment date, the final payment date, the final payment amount, (Number of days), period (number of days, number of days, number of days, etc.) corresponding to the account ledger, and the account number, the balance connection status, the final payment interest, the final payment transaction number, Periodic receipt information including at least one of a period extension, an expiration date and a target amount, and / or at least one of account number, deposit amount, denomination amount, annuity date and stock number corresponding to the account ledger A transaction number, a transaction number, a date, a point number, a product type, a transaction type, a current amount, a RBO, a Batch No., a complex transaction, a due date, and / or a transaction number corresponding to the account ledger, A passbook line, a brief, a CIF, and the like.

According to an embodiment of the present invention, at least one real account corresponding to the online store is linked in a relational manner with the customer ledger of the online store, and at least one real account of the online stores is linked to the customer ledger of the online store, It is preferable to correspond to the parent account of the online account corresponding to the recordable account registered through the recordable account registration system.

Here, the account ledger corresponding to the parent account of the online account corresponding to the recordable account registered through the recordable account registration system shown in FIG. 1 among the account ledgers of the online store is connected in a relational manner with the recordable account ledger .

Wherein the account ledger links the transaction history information storing the transaction details corresponding to the deposit transaction or the withdrawal transaction corresponding to the actual account of the online store in a relational manner, wherein the transaction details include transaction order, transaction date, application (Or contents), an account number, a transaction amount, and a remarks item.

Wherein the recordable account ledger is relationally linked to a account ledger corresponding to a parent account of an online account corresponding to the recordable account among at least one financial account corresponding to the online store, Record account information including an account number for inputting / withdrawing an amount corresponding to a financial transaction (or a payment settlement) to the recordable account, and recordable account information including an account number for entering / Deposit transaction information for processing the deposit transaction based on the virtual account information for each of the deposit paths registered through the recordable account registration system shown in FIG. 1 and the recordable account (or recordable account The withdrawal classification code information registered through the recordable account registration system shown in FIG. 1 And the withdrawal transaction information for processing the withdrawal transaction based on the withdrawal account information. The information structure further includes a parent account number for interlocking the record account with the actual account of the online store, and online store information. And the like.

In addition, the recordable account ledger may include deposit path information for each payment agency (or settlement agency) corresponding to N (N > = 1) payment means registered through the recordable account registration system shown in FIG. 1, And the virtual account information for each of the deposit paths, which is obtained by linking the deposit account information and the virtual account numbers matched one-to-one with the deposit path information, is relationally linked. The virtual account information for each deposit path may include a separate external It can be stored in the database.

In addition, the recordable account ledger links the M (M > 1) withdrawal classification codes registered through the recordable account registration system shown in Fig. 1 and the expenditure account information matched one-to-one with the withdrawal classification code And the withdrawal classification code information may be stored in a separate external database in addition to the ledger D / B.

In addition, the recordable account ledger may receive, from the payment agency (or settlement agency) for each deposit route, the payment corresponding to the payment settlement of the online store during the deposit transaction for the recordable account (or the real account linked to the recordable account) Wherein the transaction history information including the deposit details made by assigning a predetermined number to the deposit schedule information is relationally linked when the deposit schedule information for the settlement amount is received, When the corresponding deposit transaction is generated, the transaction details information stores the deposit transaction details including the deposit transaction information in the deposit schedule details.

In addition, the recordable account ledger may receive, from the payment agency (or settlement agency) for each deposit route, the payment corresponding to the payment settlement of the online store during the deposit transaction for the recordable account (or the real account linked to the recordable account) When the settlement amount is deposited, the transaction history information including the deposit transaction details made by allocating a predetermined number to the deposit transaction information is linked in a relational form.

In addition, when the withdrawal class code for the withdrawal transaction is confirmed at the withdrawal transaction with respect to the recordable account (or the real account linked with the recordable account), the recordable account ledger has a predetermined unique The transaction history information including the withdrawal transaction details made by assigning the number is associated with the relational form.

When a unique number is assigned to the transaction history information correlated with the recordable account ledger, a summary of the transaction history information associated with the account ledger corresponding to the actual account of the online store associated with the recordable account ledger And the unique number is recorded in an entry of the account type and the record type account transaction, and the real account transaction details and the record type account transaction details are matched in a one-to-one (or one-to-many) manner through the unique number.

FIG. 3 is a diagram illustrating a recording type account ledger information configuration according to another embodiment of the present invention.

FIG. 3 is a diagram showing a case where a real account of a web server management organization provided with the online store is registered in the ledger information stored in a predetermined ledger D / B 300 provided in a DBMS on the financial system shown in FIG. In the case of the recordable account ledger of the on-line bank account type, it is preferable that the preferred embodiment of the recordable account ledger information corresponding to the online store opened in the open market of the large Internet shopping mall Respectively.

Those skilled in the art will be able to refer to and / or modify the FIG. 3 to create a recordable account ledger information configuration in which the actual account of the web server management institution is the parent account in the ledger D / B However, the present invention includes all of the above-mentioned embodiments, and the present invention is not limited to the method shown in FIG.

For example, if the person skilled in the art is familiar with the present invention, the recording type account ledger information configuration shown in FIG. 3 may be referred to, and a recording type in which a real account other than the actual account of the web server management institution is used as a mother account It is possible to deduce various execution methods for the account ledger information configuration, but the present invention is characterized in that it comprises all of the above-described embodiments.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger, a bill ledger associated with the customer ledger , A loan ledger, etc.) and at least one or more pieces of information associated with the account ledger. If a person skilled in the art is familiar with the present invention, the ledger D / B 300 includes at least one or more ledgers (for example, a loan ledger, a collateral ledger, ...) other than the customer ledger and the account ledger shown in FIG. 3 and / It will be appreciated that further information is included and that specific technical details will be known to those skilled in the art, The.

The customer director establishes at least one financial account in the financial institution and transmits customer information corresponding to a customer (for example, an individual customer, an enterprise customer, a corporate customer, etc.) that processes at least one financial transaction through the financial account A customer identification number, a customer address, a location code, a telephone number, a business number, a name, a classification code, an expiration date, a state, and the like. TRW, DB, Usage, Parent Company Number, Headquarters Information, Settlement Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Phone Number, Mailing Location, Account Number, President, Industry, Legal Representative. At least one or more of the following: a name of the state, the name of the state, a transmission, a sex, a resident, a job, a mailing address, a company name, a guardian name, a guardian telephone number, And the customer ledger includes ledger information for a customer including at least one of an individual customer, an enterprise customer, and a minor.

According to the embodiment of the present invention, for the recordable account registration of the on-line account type in which the actual account of the web server management institution is the mother account through the recordable account registration system shown in FIG. 1, It is preferable to store information on a web server management institution customer ledger for a server management institution and store information of an online store customer ledger corresponding to the recordable account in the form of the online account.

Here, it is preferable that the web server management institution customer ledger information and the online store customer ledger information satisfy the above-mentioned customer ledger information configuration, and the online store customer opening the recordable account is a conventional customer of the financial institution If the customer ledger of the online shop customer is installed in the ledger D / B 300, it is preferable that the customer of the online shop customer uses the customer ledger of the online shop customer.

Those skilled in the art will appreciate that the contents and features of the information contained in the customer ledger will be clearly understood, and a detailed description thereof will be omitted for the sake of convenience.

The account ledger of the web server management institution or the account ledger corresponding to the actual account of the online store is linked in a relational manner with each customer ledger, and the account ledger information includes an account number, a CIF number, a point number, a currency, State, product type, interest rate, password, balance, RB balance 1, RB balance 2, account balance, passbook number, current interest, time extension amount, time extension amount, ARS setting, final deposit date, , The amount of the final withdrawal, the number of transactions without transaction, the interest transfer account, the connection status of the balance, the final payment interest, the final payment transaction number, the reference to the individual interest rate and the date of the final interest calculation, Periodic receipt information including at least one of a number, a withdrawal (number of months), a period (number of days), a period extension, an expiration date, and a target amount, and / or an account number corresponding to the account ledger, The account number, the transaction number, the date, the point number, the product type, the transaction type, the current amount, the RBO, and the batch number (at least one of the account number, Batch No.), a combination transaction, a due date, a bankbook line, a brief, and a CIF.

According to an embodiment of the present invention, at least one real account corresponding to the web server operating agency is linked to a customer ledger of the web server operating agency in a relational manner, and at least one real account corresponding to the online shop is connected to the online Preferably, at least one financial account of the actual account of the web server management institution corresponds to the recordable parent account.

The account ledger corresponding to the online store associates the transaction history information storing the transaction details corresponding to the deposit transaction or the withdrawal transaction corresponding to the actual account of the online store in a relational manner, , Transaction date, application (or contents), account number, transaction amount and remarks item.

Wherein the recordable account ledger is relationally linked to a account ledger corresponding to a parent account of an online account corresponding to the recordable account among at least one financial account corresponding to the online store, Record account information including an account number for inputting / withdrawing an amount corresponding to a financial transaction (or a payment settlement) to the recordable account, and recordable account information including an account number for entering / Deposit transaction information for processing the deposit transaction based on the virtual account information for each of the deposit paths registered through the recordable account registration system shown in FIG. 1 and the recordable account (or recordable account The withdrawal classification code information registered through the recordable account registration system shown in FIG. 1 And a withdrawal operation information for allowing the withdrawal transaction to be processed based on the withdrawal account information. The system further includes a parent account number and web server agent information for interlocking the record account with the actual account of the web server management institution And an information structure in which the information is formed.

In addition, the recordable account ledger may include deposit path information for each payment agency (or settlement agency) corresponding to N (N > = 1) payment means registered through the recordable account registration system shown in FIG. 1, And the virtual account information for each of the deposit paths, which is obtained by linking the deposit account information and the virtual account numbers matched one-to-one with the deposit path information, is relationally linked. The virtual account information for each deposit path may include a separate external It can be stored in the database.

In addition, the recordable account ledger links the M (M > 1) withdrawal classification codes registered through the recordable account registration system shown in Fig. 1 and the expenditure account information matched one-to-one with the withdrawal classification code And the withdrawal classification code information may be stored in a separate external database in addition to the ledger D / B.

In addition, the recordable account ledger may receive, from the payment agency (or settlement agency) for each deposit route, the payment corresponding to the payment settlement of the online store during the deposit transaction for the recordable account (or the real account linked to the recordable account) And when the information on the payment schedule for the settlement amount is received, the transaction history information including the details of the deposit schedule, which is obtained by allocating a predetermined number to the deposit schedule information, is relationally linked. The transaction history information may include a deposit transaction history including the deposit transaction information in the deposit schedule.

In addition, the recordable account ledger may receive, from the payment agency (or settlement agency) for each deposit route, the payment corresponding to the payment settlement of the online store during the deposit transaction for the recordable account (or the real account linked to the recordable account) When the settlement amount is deposited, the transaction history information including the deposit transaction details made by allocating a predetermined number to the deposit transaction information is linked in a relational form.

In addition, when the withdrawal class code for the withdrawal transaction is confirmed at the withdrawal transaction with respect to the recordable account (or the real account linked with the recordable account), the recordable account ledger has a predetermined unique The transaction history information including the withdrawal transaction details made by assigning the number is associated with the relational form.

When a unique number is assigned to the transaction history information correlated with the recordable account ledger, a summary of the transaction history information associated with the account ledger corresponding to the actual account of the online store associated with the recordable account ledger And the unique number is recorded in an entry of the account type and the record type account transaction, and the real account transaction details and the record type account transaction details are matched in a one-to-one (or one-to-many) manner through the unique number.

FIG. 4 is a diagram illustrating a process of providing information for record-type account registration (or opening) according to an embodiment of the present invention.

4 is a flowchart illustrating the operation of the recordable account registration server 100 shown in FIG. 1, when providing a predetermined recordable account application user interface to the terminal device 175, (Or selects) predetermined record account application information through a type account application user interface and provides the account type registration application information to the recordable account registration server 100 through a predetermined network means. In the recordable account registration server 100, And provides the recordable account application information to the information processing server 140 provided in the financial institution through a predetermined communication means. If the person skilled in the art is familiar with the present invention, 4 to the information processing server 140 to provide the recordable account application information from the terminal device 175 to the information processing server 140 via the recordable account registration server 100 It is to be understood that the invention is not limited to the embodiments shown in the drawings.

For example, in FIG. 4, only the recordable account application information is provided from the terminal device 175 to the recordable account registration server 100. However, in the present invention, A method of providing online account attribute information in addition to the recordable account application information in the terminal device 175 corresponding to a user interface provided to the terminal device 175 by the recordable account registration server 100 However, the present invention includes a method of providing the online account attribute information in the terminal device 175, and thus the present invention is not limited thereto.

In addition, the person skilled in the art will appreciate that, in response to the security function provided in the communication means for connecting the recordable account registration server 100 and the information processing server 140, Encrypts and transmits the recordable account application information (or the recordable account application information and recordable account security information, online account attribute information, or accounting account information) at the registration server 100, and the information processing server 140 (Or the recordable account application information, the recordable account security information, the online account attribute information, or the accounting account information) in the recordable account application information (or the recordable account application information) It is to be understood that the invention is not limited thereto.

Referring to FIG. 4, the terminal device 175 shown in FIG. 1 accesses the recordable account registration server 100 through a network including at least one wired communication network (or wireless communication network) (405) at least one web-based service provided by the recordable account registration server 100. At this time, the web-based service provided from the recordable account registration server 100 to the terminal device 175 Preferably, the screen includes a menu interface for requesting a recordable account application user interface for registering the recordable account.

Accordingly, while the at least one web-based service is provided to the terminal device 175 as described above, the recordable account registration server 100 may transmit the recordable account application user interface from the terminal device 175 to the recordable- If the recordable account application interface is requested 415 from the terminal device 175, the recordable account registration interface is periodically checked to see if a recordable account application user interface for registering an account is requested 410 The server 100 generates (420) a predetermined recordable account application user interface to be provided to the terminal device 175 (or extracts from a predetermined web source D / B (not shown)) (420) The recordable account application user interface is provided to the head end terminal (425).

Thereafter, the terminal device 175 inputs (or selects) the predetermined recordable account application information through the recordable account application user interface (430), and the recordable account application information is input to the online store customer At least one or more recording type account selection information for selecting at least one recordable account, agreement agreement information corresponding to the recordable account, and customer information for the recordable account application customer.

When the record type account application information is input (or selected) as described above, the terminal device 175 transmits the recordable account application information to the recordable account registration server 100 via the network means (435) .

Thereafter, the recordable account registration server 100 receives the recordable account application information (or the recordable account application information and recordable account security information, online account attribute information, or accounting account information) Type account D / B 135 (440).

According to another embodiment of the present invention, the process of storing the recordable account application information in the recordable account D / B 135 is performed by the recordable account registration server 100 (or an online store) May be omitted in accordance with the business alliance agreement between the financial institution 140 (or the financial institution), and thus the present invention is not limited thereto.

Thereafter, the recordable account registration server 100 transmits the recordable account application information (or the recordable account application information and recordable account security information, or the online account information) to the information processing server 140 through a predetermined communication means Attribute information, or accounting account information) transmitted from the recordable account registration server 100 (445), and the information processing server 140 transmits the recordable account application information (or the recordable account information) provided from the recordable account registration server 100 Account application information, recordable account security information, online account attribute information, or accounting account information).

FIG. 5 is a diagram illustrating an information providing process for registering (or opening) recordable accounts according to another embodiment of the present invention.

5 is a flowchart illustrating an operation of the recordable account registration server 100 shown in FIG. 1 when providing a recordable account application user interface to the terminal device 175, (Or selects) and encrypts predetermined recordable account application information through a type account application user interface and provides the recordable account registration information to the recordable account registration server 100 through a predetermined network means. The recordable account registration server 100 ) For decrypting the recordable account application information and providing the recordable account application information to the information processing server 140 provided in the financial institution through a predetermined communication means. It is possible to refer to and / or modify the FIG. 5 to allow the terminal device 175 to receive the information from the recording type account registration server 100 via the recordable account registration server 100, It will be appreciated that the various embodiments of providing recordable account application information to re-server 140 may be inferred, but the present invention encompasses all of the above-envisioned embodiments and is not limited by the embodiment shown in FIG. 5 No.

For example, in FIG. 5, only the recordable account application information is provided from the terminal device 175 to the recordable account registration server 100. However, in the present invention, A method of providing online account attribute information in addition to the recordable account application information in the terminal device 175 corresponding to a user interface provided to the terminal device 175 by the recordable account registration server 100 However, the present invention includes a method of providing the online account attribute information in the terminal device 175, and thus the present invention is not limited thereto.

In addition, the person skilled in the art will appreciate that, in response to the security function provided in the communication means for connecting the recordable account registration server 100 and the information processing server 140, The registration server 100 encrypts and transmits the recordable account application information (or the recordable account application information and the recordable account security information, the online account attribute information, or the accounting account information), and the information processing server 140), it is possible to deduce an execution method for decrypting the recordable account application information (or the recordable account application information and the recordable account security information, the online account attribute information, or the accounting account information) But the present invention is not limited thereto.

5, the terminal device 175 shown in FIG. 1 accesses the recordable account registration server 100 through a network including at least one wired communication network (or a wireless communication network) , At least one web-based service provided by the recordable account registration server 100 is used 505. At this time, the web-based service provided from the recordable account registration server 100 to the terminal device 175 Preferably, the screen includes a menu interface for requesting a recordable account application user interface for registering the recordable account.

Accordingly, while the at least one web-based service is provided to the terminal device 175 as described above, the recordable account registration server 100 may transmit the recordable account application user interface from the terminal device 175 to the recordable- If the recordable account application interface is requested (515) from the terminal device (175), the recordable account registration (510) is periodically checked to see if a recordable account application user interface for registering an account is requested The server 100 generates (520) a predetermined recordable account application user interface having a predetermined security function (or extracts it from a predetermined web source D / B (not shown)) (520) (525) to the head end terminal.

Here, the security function provided in the recordable account application user interface may include a function of encrypting recordable account application information inputted (or selected) at the terminal device 175 by a predetermined encryption method and / And a function of attaching the digital signature of the customer of the on-line store to the application information. Preferably, the security program is in the form of a security program linked with the recordable account application user interface, And at least one encryption key for encrypting the account application information.

In addition, the security function (and / or the security program) may further include a public key certificate having at least one encryption key for encrypting the record account application information, and thus the present invention is not limited thereto.

Then, the terminal device 175 inputs (or selects) the predetermined recordable account application information through the recordable account application user interface 530. The recordable account application information is information At least one or more recording type account selection information for selecting at least one recordable account, agreement agreement information corresponding to the recordable account, and customer information for the recordable account application customer.

When the record type account application information is inputted (or selected) as described above, the terminal device 175 transmits the record type account application information through a security function provided in the recordable account application user interface according to a predetermined encryption method (E. G., Attaching the electronic signature of the on-line store customer to the recordable account application information) in step 535, encrypting the encrypted record application information via the network to the recordable account registration server 100 (540).

The recordable account registration server 100 receiving the encrypted recordable account application information through the network means decrypts the recordable account application information with a decryption method corresponding to the encryption method (545), and decrypts The recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, or the accounting account information) in the recordable account D / B 135 (540) .

According to another embodiment of the present invention, the process of storing the recordable account application information in the recordable account D / B 135 is performed by the recordable account registration server 100 (or an online store) May be omitted in accordance with the business alliance agreement between the financial institution 140 (or the financial institution), and thus the present invention is not limited thereto.

Thereafter, the recordable account registration server 100 transmits the recordable account application information (or the recordable account application information and recordable account security information, or the online account information) to the information processing server 140 through a predetermined communication means Attribute information, or accounting account information) transmitted from the recordable account registration server 100 (545), and the information processing server 140 transmits the recordable account application information provided from the recordable account registration server 100 Account application information, recordable account security information, online account attribute information, or accounting account information) (550).

FIG. 6 is a diagram illustrating a process of processing a recordable account into an online account according to an embodiment of the present invention.

In more detail, FIG. 6 shows an example in which the information processing server 140 shown in FIG. 1 opens a predetermined recordable account based on recordable account application information provided from the recordable account registration server 100, The present invention is directed to a process of processing an account in the online store to an online account using the account in the online store as a parent account. As a person skilled in the art, referring to and / It is possible to infer various methods of processing a real account for managing a recordable account in the online store as an online account based on the recordable account application information provided in the information processing server 140 shown in FIG. It should be understood, however, that the present invention includes all of the various embodiments enumerated above, and thus the present invention is not limited thereto.

For example, in FIG. 6, only the recordable account application information is provided from the recordable account registration server 100 to the information processing server 140, but the present invention is not limited thereto. The online account attribute information and the like may be provided to the information processing server 140 in addition to the recordable account application information. However, the present invention can be applied to the information processing server 140, But the present invention is not limited thereto.

Hereinafter, in FIG. 6, the information processing server 140 shown in FIG. 1 is referred to as a "server" for the sake of convenience.

Referring to FIG. 6, the recordable account registration server 100 shown in FIG. 1 through the process shown in FIG. 4 and / or FIG. 5 transmits predetermined recordable account application information The account application information, the recordable account security information, the online account attribute information, or the accounting account information), the server receives the recordable account application information (or the recordable account application information and recordable account security information, or Online account attribute information, or accounting account information) and confirms that the recordable account can be opened (600).

If the recordable account can not be opened based on the recordable account application information (605), the server generates the account open error information and provides it to the recordable account registration server (610) The recordable account registration server 100 transmits the account opening error information to the terminal device 175 through a predetermined network means (615).

On the other hand, if the recordable account can be opened based on the recordable account application information (605), the server transmits a recordable account corresponding to the recordable account application information to the financial system (620), and processes the record account in the online store as the parent account (625) in connection with the financial system.

If the recordable account is processed as an online account that uses a real account operated by the online store as a parent account, the server receives N (N > = 1) particle diameter paths in which a settlement amount corresponding to payment of the online store is deposited (N > = 1) virtual account numbers matching one-to-one correspondence with the N (N > = 1) (635), and stores the virtual account information for each deposit path in association with the recordable account ledger (640).

In addition, the server reads the received accounting account information and records the expenditure account of the accounting account information (for example, the expenditure item of the online store, among the withdrawal transactions of the recordable account (for example, the real account linked with the recordable account) (M > 1) number of withdrawal classification codes corresponding to the M (M > 1) number of withdrawal classification codes are created (650), and stores the withdrawal classification code information in association with the recordable account ledger (655).

Thereafter, if the recordable account is processed as an online account having a real account operated in the online store as the parent account, the server transmits the recordable account information to the recordable account registration server 100 (660). In response, the recordable account registration server (100) further stores the recordable account information in the recordable account issuance information stored in the recordable account D / B (135) (665).

FIG. 7 is a diagram illustrating a recordable account management system configuration in which a deposit account history is stored in a recordable account ledger in order to automatically generate deposit-related account data of an online store according to an embodiment of the present invention.

More specifically, FIG. 7 is a flow chart showing the procedure of the payment agent server 730 (or the settlement institution server 735) corresponding to the payment path for each payment means corresponding to the payment payment, If the deposit schedule information for the settlement amount corresponding to the payment settlement of the online store is transmitted through the virtual account number for each deposit path allocated to the recordable account through the recordable account registration system, In the recordable account management server 700 provided in the recordable account management server 700, a deposit schedule record in which a predetermined unique number is allocated to the received deposit schedule information and stores the generated deposit schedule in the transaction history information associated with the recordable account ledger Specifically, if the recordable account ledger registered through the recordable account registration system shown in FIG. 1 is the recordable account system shown in FIG. 2 When including a director configuration, showing the embodiment method for storing the payment schedule history including the payment schedule information and unique number in the transaction history information associated with the write-account ledger.

If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 7, it is possible to record the deposit plan details in the recordable account ledger to automatically generate the deposit-related accounting data of the online store It is to be understood that the present invention is not limited to the above-described exemplary embodiments, and various changes and modifications may be made without departing from the scope of the present invention.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 7 to find out the recordable account ledger shown in FIG. 2, the recordable account ledger Or another recordable account ledger omitted for convenience in the present invention) can be inferred from the transaction history information associated with the recordable account ledger by storing the deposit schedule details including the deposit schedule information and the unique number , It is clear that the present invention includes all of the above-mentioned embodiments.

In FIG. 7, the virtual account information for each of the deposit paths is shown relationally linked to the recordable account ledger as shown in FIG. 2, but the virtual account information for each deposit path may be determined according to the intention of a person skilled in the art It is possible to be present in the recordable account ledger or in an external database associated with the recordable account ledger, thereby making it clear that the present invention is not limited thereto.

Referring to FIG. 7, a recordable account management system for storing a deposit schedule in a recordable account ledger for automatically generating deposit-related account data of the online store includes: A payment agency server 730 (or settlement agency server 735) corresponding to a deposit path for each of at least one payment means for transferring the deposit schedule information corresponding to the settlement amount corresponding to the payment settlement, A financial system having a bank account ledger and a payment agent server 730 connected to the payment agent server 730 (or the settlement institution server 735) through a communication network and connected to the financial system through a financial network The virtual account number, the payment means information, the payment date information, and the payment information corresponding to the corresponding payment path are received from the payment agent server 730 (or the payment agent server 735) Wherein the information processing apparatus receives the transfer schedule information including at least one of the planned amount of money information and the transfer scheduled date and time information, generates a transfer schedule record in which a predetermined number is assigned to the transfer schedule information, And a recordable account management server (700) for storing the deposit plan history in the transaction history information associated with the recordable account ledger.

7, the recordable account management server 700 is shown as a single server for the sake of convenience. However, the present invention is not limited thereto, and the recordable account management server 700 may be implemented by a functional configuration It should be apparent that the present invention can be implemented through a plurality of servers (or devices).

In addition, the detailed description of the financial system configuration including the recordable account ledger is the same as that shown in FIG. 2, and the detailed description of the financial system in FIG. 7 will be omitted for the sake of convenience.

If the online shop is paid through at least one payment agency, the payment agency server 730 includes a payment processing server provided in the payment agency corresponding to at least one payment means provided in the online store .

If payment settlement made through the payment agency includes a settlement type payment process such as a credit card settlement (or an escrow-based virtual account settlement), the payment agency server 730 transmits the payment settlement to the communication network The settlement amount corresponding to the credit card settlement (or the escrow-based virtual account settlement) approval is calculated by the recordable account management server 700, the calculated settlement amount is processed as the deposit amount, The settlement schedule information including at least one or more virtual account numbers corresponding to the payment agency (or a deposit path), customer settlement means information, settlement date information, To the operation server (700).

When the payment of the online store is directly performed through a settlement institution (for example, a card company, a financial company, etc.) corresponding to at least one payment means provided in the online store, the settlement institution server 735 stores And a settlement processing server provided in a settlement institution corresponding to at least one settlement means.

If payment settlement made through the settlement institution is a settlement type settlement process such as credit card settlement (or escrow-based virtual account settlement), the settlement institution server 735 transmits the payment settlement request The recordable account management server 700 calculates a settlement amount corresponding to approval of the credit card settlement (or an escrow-based virtual account settlement), processes the calculated settlement amount as a deposit amount, The deposit account information including at least one of a virtual account number corresponding to an agency (or a deposit path), customer settlement means information, settlement date and time information, (700).

Referring to FIG. 7, the recordable account management server 700 includes a communication unit 730 for receiving payment schedule information from at least one payment path agent server 730 (or a payment agent server 735) And an interface unit 705 for connecting and managing channels.

The interface unit 705 connects a communication channel for receiving the deposit schedule information according to a communication protocol corresponding to the payment agency server 730 (or the settlement agency server 735) for each deposit path through the communication network Wherein the communication protocol structure includes at least one of a virtual account number field, a customer settlement means information field, a settlement date information field, a deposit amount information field, and a deposit date and time information field .

7, the recordable account management server 700 is connected to the interface unit 705 and receives the payment from the payment agent server 730 (or the settlement agency server 735) An information receiving unit 710 (or information receiving means) for receiving deposit schedule information including at least one of a virtual account number corresponding to the route, customer settlement means information, settlement date information, An information confirming unit 715 (or information confirming means) for confirming a depositing route corresponding to the virtual account number included in the deposit schedule information in association with the financial system, and a unique number corresponding to the confirmed depositing route A unique number assigning unit 720 (or a unique number assigning unit) for assigning a unique number to the deposit schedule information, And a transfer schedule history storage unit 725 (or a transfer schedule history storage unit) for storing the generated transfer schedule details in the transaction history information associated with the recordable account ledger.

The payment agency server 730 (or the settlement agency server 735) (or the settlement agency server 735) is connected to the payment agency server 730 (or the settlement agency server 735) via the interface unit 705, ), The information receiving unit 710 receives at least one payment agent server 730 per payment path in cooperation with the interface unit 705, and transmits the payment schedule information corresponding to the settlement type payment of the on- (Or settlement institution server 735) receives payment schedule information including at least one of a virtual account number corresponding to the deposit route, customer settlement means information, settlement date information, deposit predetermined amount information, and deposit scheduled date and time information .

Here, the virtual account number corresponding to the deposit path is a virtual account number assigned to each payment agency server 730 (or the settlement institution server 735) by the deposit path through the recordable account registration system shown in FIG. 1 Number is preferably included.

The customer payment means information may include credit card payment means information (or escrow-based virtual payment information) processed in the post-settlement type through the payment agency server 730 (or settlement agency server 735) And account settlement means information).

The settlement date information may include at least one or more time information (or settlement approval date and time information for the payment settlement) requested by the online settlement means through the customer settlement means.

It is preferable that the incoming deposit amount information includes a settlement amount corresponding to the payment settlement in accordance with a settlement type payment process corresponding to the customer settlement means.

The settlement date and time information includes date and time information that the settlement amount corresponding to the payment settlement corresponding to the settlement type payment process corresponding to the customer settlement means is deposited in the recordable account (or a real account linked to the recordable account) And the like.

According to an embodiment of the present invention, when the customer settlement means includes the credit card payment means, the deposit date and time information preferably includes the date and time information after the transaction of the credit card payment is processed .

According to another embodiment of the present invention, when the customer settlement means includes the escrow-based virtual account settlement means, the deposit scheduled date information preferably includes date and time information after the escrow period has elapsed.

When the payment schedule information is received from the payment agent server 730 (or the settlement institution server 735) by the payment receiver 710 through the payment path, the information checker 715 checks the virtual account And confirms the deposit path corresponding to the virtual account number included in the deposit schedule information in association with the financial system for storing the information.

According to another embodiment of the present invention, when the unique number is not allocated to the deposit path, the information confirmation unit 715 may omit checking the deposit path, and the present invention is not limited thereto No.

The unique number assigning unit 720 assigns a unique number that does not overlap with the deposit schedule information on the transaction history of the recordable account.

Here, it is preferable that the unique number satisfies a condition (for example, a field size) that can be recorded in a brief (or content) item of a transaction detail item of a real account linked to the recordable account.

If a unique number is assigned to the deposit schedule information, the deposit schedule record storage unit 725 generates a deposit schedule record including the unique number in the deposit schedule information. In connection with the financial system, Each deposit schedule information item and the unique number item included in the generated deposit schedule details are matched one by one to each information item corresponding to the transaction details associated with the recordable account ledger and the unique number item .

The transaction history information associated with the recordable account ledger for storing the deposit schedule details includes the unique number item, the virtual account number item, the amount of money to be deposited information item, and the due date and time information item And it may further comprise at least one of the customer payment means information item and the settlement date information item according to the intention of the person skilled in the art.

FIG. 8 is a diagram illustrating a process of storing a deposit schedule in a recordable account ledger to automatically generate deposit accounting data of an online store according to an embodiment of the present invention.

More specifically, FIG. 8 is a flow chart showing a procedure of payment processing performed by the payment agency server 730 (or the settlement institution server 735) corresponding to the settlement route for each settlement means corresponding to the payment settlement, When the deposit schedule information for the settlement amount corresponding to the payment settlement of the online store is transmitted through the virtual account number for each deposit path allocated to the recordable account through the recordable account registration system, The recordable account management server 700 provided in the system for storing the schedule details generates a deposit schedule record in which a predetermined unique number is allocated to the received deposit schedule information and records the transaction history information associated with the recordable account ledger A person skilled in the art will be able to refer to and / or modify the FIG. 8, It is possible to deduce various implementation methods for storing the deposit plan details in the record type account book in order to automatically generate accounting information related to deposits. However, the present invention includes all of the above-mentioned embodiments , But the technical features thereof are not limited only by the method shown in FIG.

Hereinafter, in FIG. 8, the payment agency server 730 (or the settlement agency server 735) for each deposit route on the system for storing the deposit schedule shown in FIG. 7 is referred to as a "deposit server" for convenience, Type account management server 700 is referred to as "server" for convenience.

8, after the settlement processing of the on-line store, the depositing server corresponding to the depositing route corresponding to the settlement means corresponding to the payment settlement corresponds to the record settlement account shown in Fig. 1 The settlement schedule information including at least one or more virtual account numbers for each deposit path allocated to the recordable account, the settlement date information, the settlement date and time information, and the settlement schedule date and time information (x00 ), And transmits the created deposit schedule information through a communication network, the server receives the deposit schedule information transmitted from the depositing server via the communication network (x05).

The server receiving the deposit schedule information confirms the deposit path information corresponding to the deposit schedule information in association with the financial system (x10).

If the deposit path information is not confirmed (x15), the server generates unconfirmed deposit path information corresponding to the deposit schedule information and registers the unconfirmed deposit path information in virtual account information for each deposit path associated with the recordable account ledger (x20) , And assigns a unique number that does not overlap with the above-mentioned deposit schedule information (x25).

If the deposit path information is not confirmed (x15), the server assigns a unique unique number corresponding to the confirmed deposit path information to the deposit schedule information (x25).

Here, it is preferable that the unique number satisfies a condition (for example, a field size) that can be recorded in a brief (or content) item of a transaction detail item of a real account linked to the recordable account.

Thereafter, the server generates a deposit schedule containing the unique number and deposit path information (x30), and stores the deposit schedule details in the transaction details information associated with the recordable account ledger in association with the financial system (x35).

The transaction history information associated with the recordable account ledger for storing the deposit schedule details includes the unique number item, the virtual account number item, the amount of money to be deposited information item, And it may further comprise at least one of the customer payment means information item and the settlement date information item according to the intention of the person skilled in the art.

FIG. 9 is a diagram illustrating a configuration of a recordable account management system for automatically generating depositing accounting data of an online store according to an embodiment of the present invention.

In more detail, FIG. 9 is a flow chart showing a transaction history information associated with the recordable account ledger through a system for storing the deposit schedule details shown in FIG. 7, including a virtual account number, a payment means information, (Or the settlement institution server 935) from the payment agency server 930 (or the settlement institution server 935) after storing the deposit schedule details including the deposit schedule information including the at least one of the planned deposit amount information and the scheduled date and time information, When the settlement amount corresponding to the deposit amount is deposited through the virtual account number for each route, the recordable account management server 900 provided on the recordable account management system deposits the deposit account corresponding to the deposit account virtual account number And the deposit transaction information corresponding to the deposit transaction is added to the deposit schedule, In a transaction history information associated with the recordable account ledger and storing a unique number contained in the deposit transaction record in a summary (or content) item of a transaction history item associated with the recordable account Specifically, when the recordable account ledger registered through the recordable account registration system shown in FIG. 1 includes the recordable account ledger configuration shown in FIG. 2, the recordable account ledger And stores the deposit transaction details including the unique number in the linked transaction history information, and stores the unique number included in the deposit transaction history in the summary (or content) item of the transaction history item of the real account linked to the recordable account And the transaction details of the recordable account and the transaction details of the real account are linked with each other.

If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 9, various methods of constructing a recordable account management system for automatically generating accounting information related to deposits in the online store It should be understood that the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

For example, those skilled in the art will be able to refer to and / or modify FIG. 9 to describe the recordable account ledger shown in FIG. 2, the recordable account ledger Or another record type account ledger omitted for convenience in the present invention) can be inferred from the transaction history information associated with the recordable account ledger by storing the deposit transaction details including the deposit transaction information and the unique number , It is clear that the present invention includes all of the above-mentioned embodiments.

In FIG. 9, the virtual account information for each of the deposit paths is shown relationally linked to the recordable account ledger as shown in FIG. 2, but the virtual account information for each deposit path may be stored in the storage unit according to the intention of a person skilled in the art It is possible to be present in the recordable account ledger or in an external database associated with the recordable account ledger, thereby making it clear that the present invention is not limited thereto.

Referring to FIG. 9, the recordable account management system for automatically generating depositing accounting data of the online store is a system for storing the deposit schedule details shown in FIG. 7 through a transaction associated with the recordable account ledger After the deposit schedule details including the deposit schedule information including at least one of the virtual account number for each deposit route, the customer settlement means information, the settlement date information, the deposit planned amount information, and the deposit scheduled date information, A payment agency server 930 (refer to FIG. 7) for depositing a settlement amount corresponding to the amount of money to be deposited included in the deposit schedule shown in FIG. 7 through a financial network (or a financial joint network) Or a payment institution server 935), a financial system having the recordable account ledger shown in FIG. 2, and the payment agency server 930 (Settlement institution server 935) deposits a settlement amount corresponding to the deposit scheduled amount through the virtual account number for each deposit path, the settlement record corresponding to the virtual account number for each deposit path in association with the financial system And stores the deposit transaction history made by adding the deposit transaction information corresponding to the deposit transaction to the deposit schedule history in the transaction history information associated with the recordable account ledger, and stores the unique number included in the deposit transaction history And a recordable account management server (900) for storing the record in the account (or content) item of the transaction details item of the real account linked to the recordable account.

9, the recordable account management server 900 is shown as a single server for the sake of convenience. However, the present invention is not limited to this, and the recordable account management server 900 may be implemented by a functional configuration It should be apparent that the present invention can be implemented through a plurality of servers (or devices).

In addition, a detailed description of the financial system configuration including the recordable account ledger is the same as that shown in FIG. 2, and a detailed description of the financial system will be omitted for the sake of simplicity.

When payment is made through the at least one payment agency, the payment agent server 930 transmits the settlement process to the financial institution in which the recordable account is established in response to the settlement process of the payment means corresponding to the payment A financial network including a face-to-face / non-face-to-face financial transaction means provided, or a face-to-face / non-face-to-face financial transaction means provided in other financial institutions other than the financial institution in which the record- The settlement amount corresponding to the amount of money to be deposited included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit path.

When the payment of the online store is directly performed through a settlement institution (for example, a card company, a financial company, etc.) corresponding to at least one payment means provided in the online store, the settlement institution server 935 responds to the payment settlement A face-to-face / face-to-face type financial transaction means provided in the financial institution in which the recordable account is established in response to the post-settlement process of the settlement means, or a financial institution other than the financial institution in which the record- The financial settlement amount corresponding to the amount to be deposited included in the deposit schedule shown in FIG. 7 through the financial common network including the face-to-face / non-face-to- And depositing the money through the cashier.

Referring to FIG. 9, the recordable account management server 900 is connected to a financial network (or financial institution) by a payment agency server 930 (or a settlement agency server 935) 7) for confirming whether the settlement amount corresponding to the amount to be deposited included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit route (or a deposit transaction An information checking unit 910 (or information checking means) for checking the deposit transaction information including the virtual account number corresponding to the deposit transaction, the deposit date information, and the deposit amount information at the time of confirming the deposit transaction, (915) for confirming the details of the deposit schedule matching the deposit transaction information from the transaction history information associated with the recordable account ledger in cooperation with the financial system And a deposit transaction history storage unit 920 for storing the deposit transaction history, which is obtained by adding the deposit transaction information to the confirmed deposit schedule, in the transaction history information associated with the recordable account ledger (Or a deposit transaction history storage means) for transferring money to a real account linked to the recordable account when the amount deposited through the virtual account number per deposit path is transferred to a real account linked to the recordable account, And a transaction history storage unit 925 (or a transaction history storage unit) for recording a unique number assigned to the deposit transaction history in the transaction history storage unit 925.

The deposit transaction confirmation unit 905 associates with the financial system that stores the recordable account ledger (or the account ledger corresponding to the real account linked to the recordable account through the unique number assigned to the deposit schedule) (Or a financial joint network) from the payment agent server 930 (or the settlement institution server 935) for each deposit path to correspond to the deposit amount included in the deposit schedule details shown in FIG. 7 Is confirmed to be deposited through the virtual account number per the deposit route.

If it is confirmed that the settlement amount corresponding to the deposit amount is deposited through the virtual account number for each deposit path, the information checking unit 910 checks the virtual account number corresponding to the deposit transaction, And the deposit transaction information including the deposit amount information.

Here, it is preferable that the deposit transaction information further includes at least one or more pieces of information matched with a deposit schedule provided in the financial system according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

When the deposit transaction information is confirmed, the deposit schedule confirmation unit 915 confirms the deposit transaction information in accordance with the virtual account number, deposit date information, and deposit amount information included in the deposit transaction information, The deposit history information matching the deposit transaction information among the deposit schedule details stored in the transaction history information associated with the payment history information.

According to the embodiment of the present invention, the deposit schedule confirmation unit 915 may include a virtual account number included in the confirmed deposit transaction details among the deposit schedule details stored in the transaction history information associated with the recordable account ledger It is possible to confirm the deposit schedule details or confirm the deposit schedule details including the deposit schedule date information matching with the deposit date information included in the confirmed deposit transaction details or to confirm the deposit amount information included in the confirmed deposit transaction details And confirming the details of the deposit plan including the estimated amount of money to be deposited matching with the deposit transaction information, thereby confirming the deposit plan details matched with the deposit transaction information.

When the deposit schedule details matching with the deposit transaction information are confirmed, the deposit transaction history storage unit 920 stores the deposit transaction history, which is obtained by adding the deposit transaction information to the confirmed deposit schedule, with the recordable account ledger And the transaction history information includes a unique number assigned to the deposit schedule details.

When the money deposited through the virtual account number per the deposit path is transferred to the real account linked with the recordable account, the transaction history storage unit 925 stores the transaction history item of the real account in association with the financial system (Or one-to-many) transaction history of the recordable account and the transaction details of the real account through the unique number, and records the unique number assigned to the deposit transaction details in the summary (or content) And stored in a matching manner.

FIG. 10 is a diagram illustrating a process of storing a deposit transaction history in a recordable account ledger to automatically generate depositing accounting data of an online store according to an embodiment of the present invention.

In more detail, in FIG. 10, in the system for storing the deposit schedule details shown in FIG. 7, transaction history information associated with the recordable account ledger is stored in the deposit schedule history storage process shown in FIG. (Or settlement institution server 935) via the recordable account management system shown in FIG. 9, and then transmits the payment schedule information including the payment schedule information When the account settlement amount corresponding to the deposit amount is deposited through the account number, the recordable account management server 900 provided on the recordable account management system records the deposit plan history corresponding to the virtual account number per deposit path And records the deposit transaction history made by adding the deposit transaction information corresponding to the deposit transaction to the deposit schedule record with the recordable account ledger And stores the unique number included in the deposit transaction history in the summary (or content) item of the transaction history item associated with the recordable account. The present invention relates to a process for storing A person skilled in the art will be able to refer to and / or modify the FIG. 10 to create a variety of procedures for storing the deposit details in the recordable account ledger to automatically generate the deposit- It should be understood that the present invention is not limited to the above-described embodiments, and that the technical features of the present invention are not limited only by the method shown in FIG.

Hereinafter, in FIG. 10, the recordable account management server 900 on the recordable account management system shown in FIG. 9 is referred to as a "server" for the sake of convenience.

Referring to FIG. 10, in the system for storing deposit details shown in FIG. 7, transaction history information associated with the recordable account ledger is stored in the deposit account history storage process shown in FIG. 8, After storing the details of the deposit schedule including the deposit schedule information, the server transmits the payment schedule from the payment agency server 930 (or the settlement agency server 935) (1000), whether the settlement amount corresponding to the amount to be deposited included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit route.

If it is confirmed that the settlement amount corresponding to the deposit amount is deposited through the virtual account number for each deposit path (1005), the server transmits a virtual account number corresponding to the deposit transaction And the deposit transaction information including the deposit date information and the deposit amount information (1010).

Here, it is preferable that the deposit transaction information further includes at least one or more pieces of information matched with a deposit schedule provided in the financial system according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

If the deposit transaction information corresponding to the confirmed deposit transaction is confirmed (1015), the server transmits the deposit transaction information to the financial system based on the virtual account number, the deposit date information and the deposit amount information included in the deposit transaction information (1020) the deposit schedule details matching with the deposit transaction information among the deposit schedule details stored in the transaction history information associated with the recordable account ledger.

According to the embodiment of the present invention, the server confirms the deposit schedule details including the virtual account number included in the confirmed deposit transaction history among the deposit schedule details stored in the transaction history information associated with the recordable account ledger, Or the deposit schedule information including the deposit schedule date information matched with the deposit date information included in the confirmed deposit transaction details, or confirms the deposit schedule amount matching the deposit amount information included in the confirmed deposit transaction details It is preferable that at least one process of confirming the deposit schedule details including the deposit transaction details is confirmed, thereby confirming the deposit schedule details matched with the deposit transaction information.

If the deposit schedule details matching the deposit transaction information are not confirmed (1025), the server allocates a unique number that is not duplicated to the confirmed deposit transaction information in association with the financial system, and associates the deposit number with the recordable account ledger And stores it in the transaction history information (1030).

On the other hand, if the deposit schedule details matching with the deposit transaction information are confirmed (1025), the server adds the deposit transaction information to the confirmed deposit schedule to the transaction history associated with the recordable account ledger And stores it in history information (1035).

Thereafter, the server checks whether the amount corresponding to the deposit amount is transferred to a real account linked with the recordable account in connection with the financial system (1040).

If it is confirmed that the money corresponding to the deposit amount is transferred to the real account linked with the recordable account (1045), the server, in connection with the financial system, (1050) the unique number assigned to the deposit transaction details of the recordable account in the item (or content).

FIG. 11 is a diagram showing a configuration of a recordable account lending system for a planned deposit amount secured loan according to an embodiment of the present invention.

In more detail, FIG. 11 is a flowchart illustrating a process of storing the deposit schedule details including the unique number in the transaction history information associated with the recordable account ledger through the system for storing the deposit schedule shown in FIG. 7, Before the deposit transaction details including the unique number are stored in the transaction history information associated with the recordable account ledger through the recordable account management system shown in FIG 9, Term mortgage is set up as a secured loan, and specifically, the recordable account ledger registered through the recordable account registration system shown in FIG. 1 is a recordable account ledger constituted by the recordable account ledger configuration shown in FIG. 2 , It processes the loan application requested from the online shop terminal based on the recordable account ledger It illustrates an exemplary method.

Those skilled in the art will be able to refer to and / or modify the FIG. 11 in order to deduce various implementations of the recordable account lending system configuration for the planned deposit money lending The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 11 to find out, in addition to the recordable account ledger shown in FIG. 2, the recordable account ledger Or other recordable account ledger omitted for convenience in the present invention), it should be understood that the present invention includes all of the above-described methods of practicing the present invention .

It is noted that FIG. 11 illustrates that the mortgage loan processing for the amount of money to be deposited is performed through the financial institution in which the recordable account is established. However, if it is known to a person skilled in the art, It will be apparent to those skilled in the art that various modifications and variations may be made without departing from the spirit and scope of the present invention as defined by the appended claims and their equivalents. I will reveal.

Referring to FIG. 11, the recordable account lending system for the planned deposit amount mortgage loan includes a system for storing the deposit plan details shown in FIG. 7, and the transaction history information linked to the recordable account ledger, An online shop terminal for subscribing for a mortgage for the amount of money to be deposited included in the deposit schedule, after storing the deposit schedule details including the number, a financial system having the recordable account ledger shown in FIG. 2, and A recordable account for making a loan by setting a part of the planned amount of money as a collateral when confirming the amount of money to be deposited at the time of application of the loan in connection with the financial system, And an operation server.

In FIG. 11, the recordable account management server is shown as a single server for the sake of convenience, but the present invention is not limited thereto. The recordable account management server includes a plurality of servers (or devices) ). In this case, a plurality of servers (or devices) may be provided in different institutions (for example, a financial institution in which a recordable account is established and a lending institution that performs the deposit scheduled mortgage) .

In addition, a detailed description of the financial system configuration including the recordable account ledger is the same as that shown in FIG. 2, and a detailed description of the financial system will be omitted for the sake of simplicity.

Referring to FIG. 11, the recordable account management server, through the system for storing the deposit schedule details shown in FIG. 7, stores at least one or more pieces of transaction history information including the unique number in transaction history information associated with the recordable account ledger And a communication channel for transmitting and receiving loan application information for requesting a secured loan for a part of the amount of money to be deposited included in the deposit schedule details from the online shop terminal via a predetermined communication network after storing the deposit schedule details, And an interface unit.

According to an embodiment of the present invention, when the online shop terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit may communicate with the online shop terminal based on a protocol stack defined in the wired communication network, And stores the unique number in the transaction history information associated with the wired terminal and the recordable account ledger by using the communication protocol defined in the browser program included in the online shop terminal, And to send and receive the loan application information for at least one or more amounts of money to be deposited.

For example, when the online shop terminal is provided with a browser program corresponding to HTTP (Hyper-Text Transfer Protocol) protocol, the interface unit connects a communication channel with the online shop terminal based on the TCP / IP protocol, For exchanging loan application information for at least one to-be-deposited amount of money included in the stored transfer schedule details including respective unique numbers in the transaction history information associated with the recordable account ledger using the HTPP protocol defined in the program And provides a communication interface for transmitting and receiving a predetermined web page (e.g., a Hyper-Text Markup Language (HTML) compatible web page) and / or information (or data).

Alternatively, when the online shop terminal is provided with a financial transaction program using a recordable account directly linked to the recordable account management server, the interface unit connects the communication channel with the online store terminal based on the TCP / IP protocol At least one payment schedule included in the stored transfer schedule information including the respective unique numbers in the transaction history information associated with the recordable account ledger using the communication protocol defined in the financial transaction program using the recordable account, And provides a communication interface for sending and receiving loan application information on the amount.

According to another embodiment of the present invention, when the online shop terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit may communicate with the online shop terminal based on a protocol stack defined in the wireless communication network, And the transaction history information associated with the recordable account ledger using the communication protocol defined in the browser program provided in the online shop terminal, It is preferable to provide a communication interface for transmitting and receiving the loan application information for the amount of money to be deposited.

For example, when the online shop terminal is provided with a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol, the interface unit communicates with the online shop terminal And transmits at least one or more deposit amounts included in the stored transfer schedule information including the respective unique numbers to the transaction history information associated with the recordable account ledger using the WAP / ME protocol defined in the browser program (E.g., a WML (Wireless Markup Language) compliant web page, or an HTML compatible web page) and / or information (or data) for exchanging loan application information.

Alternatively, when the online shop terminal includes a financial transaction program using a recordable account directly linked to the recordable account management server, the interface unit connects the communication channel with the online store terminal based on the CDMA / WCDMA protocol At least one payment schedule included in the stored transfer schedule information including the respective unique numbers in the transaction history information associated with the recordable account ledger using the communication protocol defined in the financial transaction program using the recordable account, And provides a communication interface for sending and receiving loan application information on the amount.

Referring to FIG. 11, the recordable account management server may be configured such that a predetermined online store terminal connects a predetermined communication channel to the recordable account management server through the interface unit (or, via the communication channel, At least one or more users who input (or select) the predetermined loan application information from the online shop terminal and transmit the loan application information to the recordable account management server at the time of applying the mortgage loan for the deposit amount included in the deposit schedule, (Or extracts) an interface and provides an interface screen including the created (or extracted) user interface to the online shop terminal in association with the interface unit; and an interface providing unit Through the user interface, An information receiving unit for receiving the loan application information transmitted from the on-line store terminal in association with the interface unit when the information is inputted (or selected) through the communication channel, And a loan validity confirmation unit for confirming whether or not the validity for applying for the secured loan to the at least one estimated amount of money included in the stored transfer schedule details is included in the transaction history information associated with the recordable account ledger .

When the predetermined online shop terminal is connected to the recordable account managing server in association with the interface unit, the interface providing unit stores the transaction record information associated with the recordable account ledger in correspondence with the function configuration provided in the online shop terminal (Or selecting) loan application information for at least one to-be-deposited amount of money included in the stored transfer schedule details including each unique number, and transmitting the loan application information to the recordable account management server through the communication network (Or extracted) from a predetermined database (not shown), and transmits an interface screen including at least one user interface created (or extracted) through the communication network in cooperation with the interface unit to the online shop terminal As shown in FIG.

Thereafter, the online shop terminal inputs (or selects) the loan application information based on the user interface included in the interface screen, and transmits the inputted (or selected) loan application information to the recordable account To the operation server.

According to an embodiment of the present invention, when the online shop terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit may include a unique number in transaction history information associated with the recordable account ledger (Or extracts) a predetermined user interface that can be provided as a browser program and / or a browser program provided in the online shop terminal for a mortgage loan application for at least one deposit amount included in the stored deposit schedule, And provide an interface screen including at least one user interface generated (or extracted) in association with the interface unit to the online shop terminal.

According to another embodiment of the present invention, when the online shop terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit may include a unique number in transaction history information associated with the recordable account ledger (Or extracts) a predetermined user interface that can be provided as a browser program and / or a browser program provided in the online shop terminal for a mortgage loan application for at least one deposit amount included in the stored deposit schedule, And provide an interface screen including at least one user interface generated (or extracted) in association with the interface unit to the online shop terminal.

According to another embodiment of the present invention, the online shop terminal includes a financial automation device (for example, an automatic teller machine (ATM) or a cash dispenser (CD) ), The interface providing unit may include the unique number in the transaction history information associated with the recordable account ledger, and the interface providing unit may receive the financial account information for the mortgage loan application for the at least one to- (Or extracts) a predetermined user interface that can be provided by a browser program provided in the device, and provides an interface screen including at least one user interface created (or extracted) through the interface to the financial automation device .

According to still another embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing section may store transaction history information associated with the recordable account ledger (Or extracts) a predetermined voice message that can be provided to the call terminal (not shown) for application for a secured loan for at least one or more predetermined amounts of money included in the stored transfer schedule details, (Or an automatic response-based user interface) to the call terminal (not shown) via the mobile terminal.

According to still another embodiment of the present invention, when the terminal device is a wired terminal (or bidirectional digital TV) connected to a TV banking system, the interface providing section may assign the transaction history information associated with the recordable account ledger to each unique (Or extracts) a predetermined user interface that can be provided to the wired terminal (or the bidirectional digital TV) for application for a mortgage loan for at least one deposit amount included in the deposit schedule, It is preferable that an interface screen including at least one user interface created (or extracted) through the interface unit is provided to the wired terminal (or the bidirectional digital TV).

According to another embodiment of the present invention, the on-line store terminal may include a unique number in the transaction history information associated with the recordable account ledger, and the at least one deposit amount included in the stored deposit schedule, When a predetermined browser program having at least one user interface for application is provided, the transaction history information associated with the recordable account ledger from the interface providing unit to the online shop terminal includes respective unique numbers The function of providing an interface screen including at least one user interface for application for a secured loan for at least one deposit amount included in the stored deposit schedule details may be omitted and the present invention is not limited thereto.

Thereafter, the online shop terminal inputs (or selects) the loan application information included in at least one user interface included in the interface screen, and transmits the input (or selected) loan application information through the communication network And the information receiving unit receives the loan application information transmitted from the online shop terminal in association with the interface unit.

Here, the loan application information includes recordable account information including transaction history information in which at least one deposit schedule record including the online shop information and the unique number is stored. According to the intention of a person skilled in the art The loan application amount information, the loan term information, and the loan interest application information.

The online store information includes at least one online shop information registering (or opening) recordable account including transaction history information storing at least one deposit schedule details including the unique number through the recordable account registration system shown in FIG. 1 (Or an online store representative) information, and the online store information is preferably matched with a part of the information stored in the online store customer ledger associated with the recordable account ledger.

The recordable account information preferably includes account information (for example, account number, financial company) for the recordable account registered by the online store through the recordable account registration system shown in FIG.

Wherein the loan validation confirmation unit is configured to associate the loan application information received through the information receiver with the predetermined financial system so that the loan application information includes at least the unique number in the transaction history information associated with the recordable account ledger, And confirms whether the loan validity with respect to at least one of the amounts to be deposited is satisfied.

According to the method of the present invention, the loan validation check on the loan application information is performed by checking whether the recordable account ledger corresponding to the recordable account included in the loan application information is registered in the ledger D / B on the financial system And the like.

In addition, the loan validation confirmation for the loan application information may be made by reading the details of the deposit transaction for a predetermined period out of the transaction history information associated with the recordable account ledger stored in the ledger D / B on the financial system, And confirming whether or not it is operating.

Referring to FIG. 11, the recordable account management server, in association with the financial system, records each unique number in the transaction history information associated with the recordable account ledger, , Or confirms the details of the depositing schedule that has not been converted into the deposit transaction history through the recordable account management system shown in FIG. 9, and calculates the loan amount based on at least one scheduled deposit amount included in the deposit schedule details A recordable account lock setting unit (or a recordable account lockout setting unit) for setting a withdrawal transaction lock for an amount of money to be deposited included in at least one or more deposit schedule details included in the calculation of the loan amount, (Or recordable account lock setting means) for recording the calculated loan amount to the recordable account Characterized in that obtained by having a loan processing unit for processing a loan account room) (or loan processing means).

When the loan application information including the online store information and the recordable account information is received from the online shop terminal through the information receiving unit and the validity of the loan through the loan application information is confirmed by the loan validity confirmation unit, The money amount calculation unit may include a unique number in the transaction history information associated with the recordable account ledger in association with the financial system, And confirms the details of the deposit plan that has not been converted into the deposit transaction details through the account management system.

When the at least one deposit plan details are confirmed, the loan amount calculation unit calculates a loan amount based on at least one to-be-deposited amount included in the deposit plan in connection with the financial system.

According to the method of the present invention, it is preferable that the loan amount calculation unit calculates the loan amount by discounting the accumulated amount of money to be deposited after summing up the amounts to be deposited included in the confirmed at least one deposit plan details Do.

Here, the discount rate with respect to the sum of the accumulated amount of money to be deposited may be a ratio of the amount converted from the deposit schedule details to the deposit transaction details for a predetermined period (for example, the ratio of the sales / And the discount rate is determined in proportion to the confirmed ratio.

In addition, the loan amount may include an amount obtained by subtracting the interest amount of the loan interest during the predetermined loan period from the sum of the accumulated amount of money (the sum of the sum of the accumulated amount of money and the discount rate applied).

According to an embodiment of the present invention, it is preferable that the loan amount calculation unit further comprises calculating a loan term or a loan interest in consideration of the period of time from the deposit plan history to the deposit transaction history in addition to the loan amount.

When the amount of the loan is calculated, the recordable account lockout setting unit determines that the deposit amount included in at least one or more of the deposit schedule details included in the calculation of the loan amount is the recordable account management The system locks the deposit schedule details so that withdrawal transactions for the deposited amount do not occur.

If the amount of the loan is calculated and a lock is set for the amount of money to be deposited included in the at least one deposit schedule included in the calculation of the amount of the loan, the loan processor sets the calculated loan amount to the recordable account And a real account linked to the recordable account).

According to the method of the present invention, the loan processing unit withdraws the loan amount from the loan management account provided in the financial system, and transfers the loan amount to the recordable account (or the real account linked with the recordable account) It is desirable to process the loan for

According to another embodiment of the present invention, the loan processing unit may be provided in a loan approval server provided in a separate lending institution other than the recordable account management server, and thus the present invention is not limited thereto.

Referring to FIG. 11, the recordable account management server receives an amount of money to be deposited included in the deposit schedule details through the recordable account management system shown in FIG. 9, The deposit amount is transferred to a real account linked to the recordable account, and a unique number assigned to the deposit transaction details in the record (or content) item of the actual account transaction item is recorded , The unique account number is changed from the deposit schedule in which the lock is set by the recordable account lock setting unit to the deposit transaction details and the actual account transaction history And a real account lock setting unit (or real account lock setting means) for setting a withdrawal transaction lock to the account lock setting unit.

When the deposit amount included in the deposit schedule details is deposited through the recordable account management system shown in FIG. 9 after the mortgage loan for the deposit amount is processed, the deposit amount is stored in the deposit transaction information (Or contents) item of the transaction details item is included in the deposit item (or content item) assigned to the deposit account item when the funds are transferred to the real account account linked to the record account, Wherein the real account lock setting unit identifies the unique number converted from the deposit schedule with lock set by the recordable account lock setting unit to the deposit transaction details, Set up the withdrawal transaction lock for the amount corresponding to the actual account transaction details included in the summary (or content) item in the transaction details. It shall be.

The amount corresponding to the deposit schedule locked at the time of the loan based on the unique number is also locked through the actual account transaction history, whereby the withdrawal transaction through the record account as well as the withdrawal transaction through the real account The amount set as the collateral for the loan can be prevented from being withdrawn.

Referring to FIG. 11, the recordable account management server, in the process of repayment of the loan amount, records at least one of the at least one transfer schedule locked in the at least one deposit schedule locked by the recordable account lock setting unit in association with the financial system Or at least one real account transaction history (or a lock set by the real account lock setting section) in which the unique number included in the deposit transaction details is recorded in the summary (or content) item of the transaction details A lock transaction history confirmation unit (or lock transaction history confirmation means) for confirming at least one actual account transaction history), a withdrawal transaction lock for the deposit transaction details of the locked recordable account or a real account transaction history (Or unlocking means) and an amount corresponding to the actual account transaction history in which the sexually unlocked is released Determine the amount of the loan repayment period for the loan amount, and the loan repayment processing unit for processing the redemption loan payments (or loan repayment processing means), characterized in that formed by having.

The lock transaction history verifying unit confirms at least one deposit transaction details converted from the at least one deposit schedule locked by the recordable account lock setting unit in association with the financial system .

When the at least one deposit transaction details locked in the loan application process are confirmed, the lock transaction history confirmation unit identifies the uniqueness number included in the confirmed deposit transaction details in association with the financial system as a summary (or content) item (Or at least one real account transaction history set to be locked by the real account lock setting unit) recorded in the at least one real account transaction history recorded in the at least one actual account transaction record.

When the deposit transaction details or the actual account transaction details of the locked recordable account are confirmed, the unlocking unit associates the deposit account details of the locked recordable account or the real accounts And releases the withdrawal transaction lock on the transaction details.

If the withdrawal transaction lock of the locked recordable account or the actual account transaction record is released by the unlocking unit based on the unique number, the loan redemption processing unit, in association with the financial system, And checks the loan repayment amount for the loan amount from the amount corresponding to the released actual account transaction details.

Here, the loan repayment amount may include the loan amount and the interest amount corresponding to the loan interest during the loan period.

According to the method of the present invention, the loan repayment processing unit withdraws the loan repayment amount from the actual account linked to the recordable account, and transfers the loan repayment amount to the loan management account (or the lending institution account) It is preferable to treat them.

FIG. 12 is a diagram illustrating a process for lending money to be deposited according to an embodiment of the present invention.

In more detail, FIG. 12 is a flowchart illustrating a process of storing at least one deposit schedule details including the unique number in the transaction history information associated with the recordable account ledger through the system for storing the deposit schedule shown in FIG. 7, Before the deposit transaction details including the unique number are stored in the transaction history information associated with the recordable account ledger through the recordable account management system shown in FIG 9, If the person skilled in the art is familiar with the process of setting up the loan as a collateral, refer to and / or modify the FIG. 12 to make various arrangements However, the present invention encompasses all the above-mentioned methods of practicing the invention, Method.

Hereinafter, in Fig. 12, the online shop terminal shown in Fig. 11 is referred to as a "terminal " for convenience, and the recordable account management server shown in Fig.

Referring to FIG. 12, when the terminal shown in FIG. 11 accesses the server through a predetermined communication network and records the amount of money to be deposited included in the deposit schedule of the recordable account (or real account linked to the recordable account) The server generates (or extracts) a web page including a user interface for inputting (or selecting) the loan application information for applying for the mortgage loan, And transmits it to the terminal through a communication channel (1205).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is performed at least once according to the user interface providing and lending application information transmission / reception procedures. No.

Then, the terminal inputs (or selects) the loan application information through the user interface (operation 1210).

Here, the loan application information may include recordable account information including at least one or more deposit schedule details including the online store information and the unique number. It is preferable to include at least one or more of the loan application amount information, the loan term information, and the loan interest application information.

The online store information includes at least one online shop information registering (or opening) recordable account including transaction history information storing at least one deposit schedule details including the unique number through the recordable account registration system shown in FIG. 1 (Or an online store representative) information, and the online store information is preferably matched with a part of the information stored in the online store customer ledger associated with the recordable account ledger.

The recordable account information preferably includes account information (for example, account number, financial company) for the recordable account registered by the online store through the recordable account registration system shown in FIG.

If the terminal inputs (or selects) the loan application information through the user interface (1215), the terminal transmits the inputted (or selected) loan application information to the server through the communication channel (1220 ).

Thereafter, the server receives and reads the loan application information through the communication channel and confirms the availability of the loan based on the loan application information (1225).

According to the method of the present invention, the loan validation check on the loan application information is performed by checking whether the recordable account ledger corresponding to the recordable account included in the loan application information is registered in the ledger D / B on the financial system And the like.

In addition, the loan validation confirmation for the loan application information may be made by reading the details of the deposit transaction for a predetermined period out of the transaction history information associated with the recordable account ledger stored in the ledger D / B on the financial system, And confirming whether or not it is operating.

If the lending validity is not authenticated based on the lending application information (1230), the server generates predetermined lending error information corresponding to the validity error information and transmits it to the terminal through the communication network (1235).

On the other hand, if the loan validity is authenticated based on the loan application information (1230), the server calculates a loan amount corresponding to the deposit planned mortgage loan application based on the deposit schedule of the recordable account (1240).

According to the embodiment of the present invention, in connection with the financial system for calculating the loan amount, the server includes a unique number in the transaction history information associated with the recordable account ledger, It is preferable to check the details of the deposit schedule that have not been transferred to the deposit transaction history through the recordable account management system shown in Figure 9. If at least one deposit schedule details are confirmed, It is preferable to calculate the loan amount based on at least one to-be-deposited amount of money included in the deposit plan details in connection with the financial system.

According to the method of the present invention, it is preferable that the server calculates a loan amount by summing up the amounts of money to be deposited included in the confirmed at least one payment schedule, and then discounting the summed amount of money to be deposited.

Here, the discount rate with respect to the sum of the accumulated amount of money to be deposited may be a ratio of the amount converted from the deposit schedule details to the deposit transaction details for a predetermined period (for example, the ratio of the sales / And the discount rate is determined in proportion to the confirmed ratio.

In addition, the loan amount may include an amount obtained by subtracting the interest amount for the loan interest during the predetermined loan period from the sum of the accumulated amount of money (the sum of the sum of the estimated amount of money deposited and the discount rate applied) .

According to an embodiment of the present invention, it is preferable that the server further includes calculating a loan period or a loan interest considering a period of time from the transfer schedule to the deposit transaction history in addition to the loan amount.

If the amount of money corresponding to the deposit-amount secured loan application is calculated (1245), the server determines whether the amount of money to be deposited included in at least one or more deposit-in details included in the calculation of the loan amount is If the deposit is made through the recordable account management system, the deposit is set to a lock in the deposit schedule so that the deposit transaction does not occur (1250).

If a lock is set for the deposit plan included in the calculation of the loan amount of the recording account of the recordable account (1255), the server transmits the loan amount to the financial institution (or the lending institution) (Or a real account linked to the recordable account) (1260).

According to an embodiment of the present invention, the server withdraws the loan amount from the loan management account provided in the financial system and transfers the loan amount to the recordable account (or a real account linked to the recordable account) It is desirable to process the loan for.

According to another embodiment of the present invention, the server may be provided in a loan approval server provided in a separate lending institution other than the recordable account management server, and thus the present invention is not limited thereto.

FIGS. 13A and 13B are diagrams illustrating a withdrawal transaction locking process of a real account for a deposit-due mortgage loan of a recordable account according to an embodiment of the present invention.

13A and 13B are diagrams for explaining the operation of the deposit account management system according to the present invention after performing the withdrawal process shown in FIG. The settlement amount corresponding to the deposit scheduled amount is deposited through the star virtual account number, and when the deposited money is transferred to the real account linked with the recordable account, the recordable account lending system shown in FIG. 11 And a process of setting a lock on the money deposited in the real account at the recordable account management server. As a person skilled in the art, see FIGS. 13A and 13B and / or FIG. It is possible to deduce various methods for the withdrawal transaction locking process of the actual account for the mortgage to be deposited of the recordable account, Invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 13a and figure 13b.

Hereinafter, in FIG. 13A and FIG. 13B, the recordable account management server on the recordable account management system shown in FIG. 11 is referred to as a "server"

Referring to FIGS. 13A and 13B, in the system for storing the deposit schedule details shown in FIG. 7, the transaction history information associated with the recordable account ledger is stored in the deposit history information storage process shown in FIG. (Or a financial joint network) from at least one payment agent server (or settlement agency server) for each deposit route in association with the financial system after storing the deposit plan details including the unique number and the deposit schedule information, (1300) whether the settlement amount corresponding to the amount to be deposited included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit route.

If it is confirmed in step 1305 that the settlement amount corresponding to the deposit amount is deposited through the virtual account number for each deposit route, the server obtains the virtual account number corresponding to the deposit transaction And the deposit transaction information including the deposit date information and the deposit amount information (1310).

Here, it is preferable that the deposit transaction information further includes at least one or more pieces of information matched with a deposit schedule provided in the financial system according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

If the deposit transaction information corresponding to the confirmed deposit transaction is confirmed (1315), the server associates the deposit account information with the financial system based on the virtual account number, deposit date information, and deposit amount information included in the deposit transaction information (1320) a deposit schedule to be matched with the deposit transaction information among the deposit schedule details stored in the transaction history information associated with the recordable account ledger.

According to the embodiment of the present invention, the server confirms the deposit schedule details including the virtual account number included in the confirmed deposit transaction history among the deposit schedule details stored in the transaction history information associated with the recordable account ledger, Or the deposit schedule information including the deposit schedule date information matched with the deposit date information included in the confirmed deposit transaction details, or confirms the deposit schedule amount matching the deposit amount information included in the confirmed deposit transaction details It is preferable that at least one process of confirming the deposit schedule details including the deposit transaction details is confirmed, thereby confirming the deposit schedule details matched with the deposit transaction information.

If the deposit schedule details matching with the deposit transaction information are not confirmed 1325, the server allocates a unique number that is not duplicated to the confirmed deposit transaction information in association with the financial system, And stores it in the associated transaction history information (1330).

On the other hand, if the deposit schedule corresponding to the deposit transaction information is confirmed (1325), the server adds the deposit transaction information to the confirmed deposit schedule with the transaction history associated with the recordable account ledger And stores it in the information (1335).

Thereafter, the server checks whether the money corresponding to the deposit amount is transferred to the real account linked with the recordable account in connection with the financial system (1340).

If it is confirmed that the money corresponding to the deposit amount is transferred to the real account linked with the recordable account (1345), the server, in connection with the financial system, (1350) the unique number assigned to the deposit transaction details of the recordable account in the item (or content).

Then, the server confirms whether the deposit transaction details transferred from the deposit schedule of the recordable account to the deposit transaction details in association with the financial system are set to the deposit transaction lock through the loan process shown in FIG. 12 (1355).

If the withdrawal transaction lock for the deposit transaction details of the recordable account is not set 1360, the server does not set a lock for the real account associated with the recordable account.

Meanwhile, if the withdrawal transaction lock is set for the deposit transaction details of the recordable account (1360), the server confirms the unique number of the deposit transaction details in which the withdrawal transaction lock is established in connection with the financial system (1365).

If the unique number of the deposit transaction with the withdrawal transaction lock is confirmed 1370, the server confirms the real account transaction history including the confirmed unique number in the summary (or content) item in connection with the financial system (1375).

If the actual account transaction details including the confirmed unique number are included in the summary (or content) item in step 1380, the server displays the actual account transaction details including the unique number in the summary (or content) item A withdrawal transaction lock is established for the included amount (1385).

FIG. 14 is a diagram showing a process of repayment of a loan for a deposit amount loan of a recordable account according to an embodiment of the present invention.

More specifically, FIG. 14 shows a case where, after the lending process shown in FIG. 12 and the actual account locking process shown in FIG. 13A and FIG. 13B, The recordable account management server on the recordable account lending system shown in Fig. 11 releases the withdrawal lock set in the deposit transaction details of the recordable account, and associates with the recordable account based on the unique number assigned to the deposit transaction record The amount of money to be repayment of the loan amount to be deposited is subtracted from the actual account after the withdrawal of the withdrawal of the withdrawn real account is canceled. Referring to and / or modified with reference to FIG. 14, various methods of performing a loan repayment process for an amount of money to be deposited of the recordable account It should be understood that the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

For example, if a person skilled in the art is familiar with the present invention, referring to FIG. 14 and / or modification, if there is a deposit schedule detail that has not been converted into the deposit transaction history among the deposit schedule items for which the withdrawal lock is set , A method of extending the loan repayment (or collecting a loan), or a method of collecting a loan for the planned amount of money collateral when the online store is shut down before the date of arrival of the loan repayment, etc. It is to be understood that the invention includes all such contemplated embodiments.

Hereinafter, in FIG. 14, the recordable account management server on the recordable account management system shown in FIG. 11 is referred to as a "server" for convenience.

Referring to FIG. 14, the server periodically confirms whether it has arrived at a loan repayment date and time of a loan to be deposited, which is performed through the loan process shown in FIG. 12 and the actual account lock process shown in FIGS. 13A and 13B (1400).

If it is confirmed that the money has arrived at the loan repayment date and time (1405), the server, in connection with the financial system, confirms at least one deposit transaction history (or deposit history record) (1410).

If all of the deposit transaction details with the withdrawal lock are confirmed 1415, the server releases the withdrawal lock on the deposit transaction in connection with the financial system 1420, and in association with the financial system, (1425) the unique number assigned to the released deposit transaction detail.

If the unique number allocated to the withdrawal transaction is released (1430), the server transmits at least one (or more) Check the actual transaction history (1435).

If the actual account transaction history (or the actual account transaction details in which the withdrawal lock is set) including the unique number is included in the summary (or content) item (1440), the server determines that the withdrawal lock is set The withdrawal lock of the actual account transaction history is released 1445 and the repayment amount of the mortgage loan is confirmed 1450 from the amount corresponding to the actual account transaction details in which the withdrawal lock is canceled.

Here, the loan repayment amount may include the loan amount and the interest amount corresponding to the loan interest during the loan period.

If the loan repayment amount is confirmed (1455), the server redeems the loan repayment amount from the real account in connection with the financial system (1460).

According to the method of the present invention, the server withdraws the loan repayment amount from the real account linked to the recordable account and transfers the loan repayment amount to the loan management account (or the lending institution account), thereby repaying the loan repayment amount .

According to the present invention, a predetermined number is assigned to a deposit transaction corresponding to a profit account of an accounting account of the online store at a deposit transaction related to a profit of an online store, and the predetermined number is recorded in transaction details of the record account, By recording the unique number assigned to the recordable account transaction history in the summary (or content) item of the transaction details item of the actual account of the online store linked to the recordable account, . ≪ / RTI >

According to the present invention, when the cash flow of the online store is not smooth by managing the deposit schedule details through the recordable account at the time of the deposit transaction related to the profit of the online store, By providing a short term loan by setting the amount as a security, there is an advantage of stabilizing the cash flow of the online store.

Claims (8)

A method of processing a loan through an account deposit planned amount executed by a server, A deposit account which is used as a deposit path of funds deposited in the real account from the designated deposit in connection with the actual account of the store customer and records transaction details matching with the transaction details of the real account, A first step of opening to the ledger; A second step of receiving the transfer schedule information from a device of a transfer destination to deposit funds into the actual account; A third step of recording the deposit schedule details including the received deposit schedule information in the ledger of the recordable account; A fourth step of confirming whether or not a recordable account in which the deposit plan details is recorded in the name of the shop customer applying for the loan at the time of application of the customer's loan; And And a fifth step of processing the customer's loan on the basis of the deposit schedule details recorded in the ledger of the recordable account when checking the recordable account. delete delete The method as claimed in claim 1, The credit processing unit processes the customer's loan within a predetermined amount of money to be deposited included in the deposit schedule details in which the deposit transaction to the actual account does not occur from the deposit schedule details for the recent period recorded in the ledger of the recordable account How to process the loan through the amount due to the bank account. The method according to claim 1, Further comprising a fifth step of, if the loan application is approved, processing the received money amount so as to be deposited into the actual account. The method according to claim 1, Further comprising a sixth step of, when the application for loan is approved, specifying a transfer schedule related to the loan approval from among the transfer schedule details recorded in the ledger of the recordable account and recording the transfer schedule in the ledger of the recordable account A method of processing a loan through an amount of money to be deposited as a characteristic. The method according to claim 1, Further comprising a seventh step of locking the amount of the loan approved from the money deposited in the real account from the deposit after the application for loan is approved. . 8. The method according to claim 7, And the amount of money corresponding to the deposit transaction matched with the deposit schedule details related to the loan approval among the deposit schedule details recorded in the ledger of the recordable account is processed.

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