KR101506023B1 - Method for Managing Payment on Account by Using Recording Type Account - Google Patents

Abstract

The present invention relates to a withdrawal management method using a recordable account, and more particularly, to a withdrawal management method using a recordable account executed by a server, the withdrawal management method comprising: providing a transaction using funds deposited in the real account (N > = 1) withdrawal category codes to be managed through the recordable account that can be opened, and when the withdrawal transaction processing for the funds deposited in the real account is performed using the recordable account, The withdrawal classification code matching the withdrawal transaction using the recordable account among the withdrawal classification codes for the N withdrawal categories is confirmed, and when the withdrawal classification code of the withdrawal transaction using the recordable account is confirmed, withdrawal including the withdrawal classification code The transaction history is recorded in the ledger of the recordable account.

Recording account, withdrawal processing

Description

[0001] METHOD FOR MANAGING DEPOSITS WITH RECORDING 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.

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

FIG. 8 is a view showing a withdrawal transaction process for automatically generating withdrawal accounting data of an online store according to an embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

700: Recordable account management server 705: Interface unit

710: Interface providing unit 715: Information receiving unit

720: validity checking unit 725: information checking unit

730: a unique number assigning unit 735: a withdrawal transaction history storage unit

740: transaction history storage unit 745: ledger D / B

750: online store terminal

The present invention relates to a withdrawal management method using a recordable account executed by a server, the method comprising the steps of: providing an account of an account of a store to be managed through a recordable account that is capable of providing a transaction using money deposited in the real account, (N > = 1) withdrawal category codes, and when the withdrawal transaction for the funds deposited in the real account is performed using the recordable account, the withdrawal classification code of the N withdrawal categories The withdrawal transaction code including the withdrawal classification code is recorded in the ledger of the recordable account when the withdrawal code of the withdrawal transaction using the recordable account is confirmed, To a withdrawal management method using a recordable account to be processed.

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. Therefore, most small-scale online shops spend high-cost, hire part-time employees for accounting management, Accounting management.

An object of the present invention to solve the above problem is to provide a withdrawal management method using a recordable account executed by a server, the withdrawal management method comprising the steps of: providing a transaction using money deposited in the real account, (N > = 1) withdrawal category codes to be managed through the recordable account, and a second step of, when processing the withdrawal transaction for the funds deposited in the real account using the recordable account, A second step of identifying a withdrawal classification code matching the withdrawal transaction using the recordable account among the withdrawal classification codes for the N withdrawal categories, and a second step of confirming the withdrawal classification code of the withdrawal transaction using the recordable account, And a third step of processing the withdrawal transaction history including the withdrawal transaction history so as to be recorded in the ledger of the recordable account It is how to provide.

A withdrawal management method using a recordable account according to the present invention is a withdrawal management method using a recordable account executed by a server, wherein a transaction using money deposited in the real account in connection with a real account of a store can be provided (N > = 1) withdrawal category codes to be managed through the recordable account opened in the withdrawal account, and a withdrawal class code for withdrawal transaction processing for the funds deposited in the real account using the recordable account A second step of checking a withdrawal classification code matched with a withdrawal transaction using the recordable account among the withdrawal classification codes of the N withdrawal categories and a second step of confirming the withdrawal classification code of the withdrawal transaction using the recordable account, And a third step of processing the withdrawal transaction history including the code to be recorded in the ledger of the recordable account.
The withdrawal management method using a recordable account according to the present invention further includes allocating a unique number corresponding to the withdrawal classification code to the confirmed withdrawal transaction when the withdrawal classification code of the withdrawal transaction using the recordable account is confirmed Wherein the withdrawal transaction history includes transaction details corresponding to the withdrawal transaction, a withdrawal classification code, and the inherent number, and the withdrawal classification code includes a code that matches an expenditure account of the accounting account of the store .
The withdrawal management method using the recordable account according to the present invention is characterized in that when a unique number is assigned to the withdrawal transaction, the unique account number is included in the actual account transaction record recorded in the ledger of the real account in response to the withdrawal transaction, And a fourth step of processing the actual account to be recorded in the ledger of the real account.
In the withdrawal management method using a recordable account according to the present invention, the inherent number is recorded in the ledger of the actual account included in the brief item or the content item of the actual account transaction breakdown, and the actual account transaction breakdown and the record To-one relationship or a one-to-many relationship.
In the withdrawal management method using the recordable account according to the present invention, the withdrawal transaction history further includes withdrawal memo information input from the terminal requesting the withdrawal transaction.
In the withdrawal management method using the recordable account according to the present invention, the withdrawal classification code corresponds to an expenditure account of the accounting account of the store operating the recordable account.
In the withdrawal management method using the recordable account according to the present invention, the withdrawal classification code is matched with the designated withdrawal account of the withdrawal transaction.

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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. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements 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). It should be noted that 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. However, the server (or terminal) The configuration unit may be provided in 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 the terminal) of the corresponding server (or terminal) It is not limited.

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 associated with a predetermined Internet banking server. The network system is connected to a TCP / IP based backbone network (e.g., a wired Internet and / or an IEEE 802.11x based wireless LAN At least one client terminal (for example, a personal computer (PC) and / or a notebook computer having the wired Internet access and browsing function) connected to the wireless LAN / portable terminal, and / or the IEEE 802.16x- Face type financial transaction service to at least one account opening customer through a notebook computer and / or a portable terminal equipped with an Internet 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 or more of the financial systems connected to a predetermined wired voice communication network (e.g., a Public Switched Telephone Network (PSTN)) through the telephone banking server (E.g., a PCS and / or a GSM terminal) connected to a wired communication terminal (e.g., a telephone) and / or to a predetermined wireless voice communication network (e.g., a Code Division Multiple Access And / or a smart phone, etc.) to at least one account-opening customer.

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, Including a portal server (Portal Server) and / or a search server that provides personalization services, and / or mail services, 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 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 The characteristics of the terminal device 175 corresponding to at least one or more wired terminals (or wireless terminals) to which information is input and / or selected and transmitted to the recordable account registration server 100 can be easily inferred, 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 possible 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 desirable.

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 of a service, a service, and / or a mail service, a messenger service, and / or various information providing services. If the recordable account registration server 100 has a general knowledge in the art, the portal server and / 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.

Also, the terminal device 175 may input (or select) predetermined online account attribute information through the user interface and transmit the online account attribute information through the network means, or may transmit the online account attribute information to the terminal device 175 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 transmitted to the information receiving unit 120 through the information To the 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 recordable account information opened by the information processing server 140 for financial transaction (or payment settlement) using the recordable account in the recordable account server (or the financial account server operating the recordable account) (135) stored in the account type issuance information, or the record type account application information included in the record account type issuance information is stored in the record type account D / B (135) opened by the information processing server (140) It is preferable to replace it with the account 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 prevents the third party from accessing the recordable account registration server 100 and the information processing server 140 And a secure communication network (for example, a recordable account registration server 100) that provides a secure communication function between the recordable account registration server 100 and the information processing server 140, To the information processing server 140, and decrypting the recordable account application information through the 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 stores the recordable account security information in a financial institution corresponding to the recordable account through a predetermined communication means The information processing server 140 transmits the information to the recordable account ledger corresponding to the recordable account established on the financial system of the financial institution. And 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 relay server 140, and 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, recordable account security information, online account attribute information, or accounting account information) from the recordable account application information And provides it to the account opening unit 150.

According to one 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 receiver 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 the above-

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 via the information receiver 145) 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 agency provided with the on-line store, the on-line account processing unit (155) Processing the account account of the account management institution as a parent account of the recordable account to create a account ledger corresponding to a real account of a web server management institution provided with the online store on a ledger D / B provided on the financial system, It is desirable to deal with the account 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 online store is included in at least one payment category (for example, card payment, virtual account settlement, account transfer settlement, cash 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 the cash depositing (Or a settlement institution) of the online shop, and the payment agency (or settlement institution) then provides the account settlement amount corresponding to the cash deposit (or non-deposit payment) settlement of the online store to 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 for allocating the deposit route information for each payment agency (or settlement agency) corresponding to the above-mentioned other payment means and each virtual account number matching one-to-one with the deposit route information .

(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 120, 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 corresponding to the account information is generated by the withdrawal classification code generation unit 165, the information storage unit 170 stores the generated withdrawal classification code of M (M > 1) The withdrawal classification code information is generated by linking each expenditure account information matching one-to-one with the classification code, and the generated withdrawal classification code information is linked to the recordable account ledger and stored.

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

FIG. 2 is a diagram showing an example of an online account type recording form in which the actual account of the online store is set as the parent account in the ledger information stored in the predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. And shows 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 includes at least one or more additional ledgers (e.g., a ledger, a collateral ledger, ...) and / or at least one or more additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clear to those skilled in the art that the present invention will be clearly understood and included within the scope of the present invention, .

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 online store is linked in a relational manner with the customer ledger, and the account ledger information includes an account number, a CIF number, a point number, a currency, an opening date, a status, RBT balance 1, RB balance 2, account balance, passbook number, current interest, time extension, time extension, ARS setting, final deposit date, final payment date, final deposit amount, (Number of days), number of days (number of days) of withdrawal, number of withdrawals, number of withdrawals, number of withdrawals, number of withdrawals, number of withdrawals, At least one of periodic reception information including at least one of period extension, expiration date, and target amount, and / or at least one account number, entrusted 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) 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. 3 is a diagram illustrating a recording type account ledger information configuration according to another embodiment of the present invention.

In more detail, FIG. 3 is a view showing a case where a real account of a web server operating agency provided with the online store is opened as a parent account in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. Which is a recordable account ledger of an online account type, specifically, a preferred embodiment of a recordable account ledger information corresponding to an online store opened in an open market of a large Internet shopping mall .

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 includes at least one or more additional ledgers (e.g., a ledger, a collateral ledger, ...) and / or at least one or more additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clear to those skilled in the art that the present invention will be clearly understood and included within the scope of the present invention, .

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 provided in the ledger D / B, the customer of the online shop customer desires to use 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 individual rate reference and the final interest calculation date, Periodical receipt information including at least one of an account number, a withdrawal number (a number of times), a period (a 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.

FIG. 4 illustrates a detailed operation of the recordable account registration server 100 shown in FIG. 1, in which the terminal device 175 provides a recordable account application user interface to the terminal device 175, (Or selects) predetermined record account application information through a recordable account application user interface and provides the recorded account application information to the recordable account registration server 100 through a predetermined network means, To the information processing server 140 provided in the financial institution, the recordable account application information through a predetermined communication means. In the present invention, Referring to and / or modified with reference to FIG. 4, the record type account application information is provided from the terminal device 175 to the information processing server 140 via the recordable account registration server 100 Would be able to infer the various exemplary methods, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 4.

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) But it should 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 recordable account registration server 100 provides at least one or more web-based services to the terminal device 175 as described above, the recordable account application server 100 may record the recordable account application user interface from the terminal device 175 If the recordable account application interface is requested 415 from the terminal device 175, the recordable account application interface is periodically checked to see if a recordable account application user interface for registering the account is requested 410. If the recordable account application interface is requested 415, The registration server 100 generates (420) a predetermined recordable account application user interface (or extracts from a predetermined web source D / B (not shown)) to be provided to the terminal device 175, And provides the recordable account application user interface 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 should be appreciated that the server 140 may provide a variety of methods for providing the recordable account application information, but the present invention is not limited by the method illustrated in FIG. 5 .

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, 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) But it should be understood that the 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) (Or recordable account application information, recordable account security information, online account attribute information, or 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 recording-type account management system configuration for automatically generating withdrawal accounting data of an online store according to an embodiment of the present invention.

FIG. 7 is a flowchart illustrating an accounting process of the on-line store according to an exemplary embodiment of the present invention. Referring to FIG. 7, (Or information on which the withdrawal classification code can be confirmed), the recordable account management server 700 provided in the recordable account management system transmits the withdrawal transaction information corresponding to the withdrawal transaction A withdrawal transaction history in which a predetermined number is assigned to the withdrawal account, and stores the withdrawal transaction history in the transaction history information associated with the recordable account ledger, and stores the unique number included in the withdrawal transaction history in the transaction history of the real account (Or content) item among the items, specifically, the recordable account registration system shown in FIG. 1 The withdrawal transaction history including the unique number is stored in the transaction history information associated with the recordable account ledger when the recordable account ledger registered through the recordable account ledger includes the recordable account ledger configuration shown in FIG. The unique number contained in the withdrawal transaction history is stored in the summary (or content) item of the transaction details item of the real account linked to the record account, so that the transaction details of the record account and the transaction details of the real account are linked As shown in FIG.

As a person skilled in the art will be able to refer to and / or modify the FIG. 7, various methods of constructing a recordable account management system for automatically generating withdrawal accounting data of the online store However, the present invention is not limited to 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. 7 to find out 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 withdrawal transaction details including the withdrawal transaction information and the unique number , It is clear that the present invention includes all of the above-mentioned embodiments.

Although the withdrawal classification code information is shown relationally linked to the recordable account ledger as shown in FIG. 2 in FIG. 7 for the sake of convenience, the withdrawal classification code information may be stored in the recordable account It is possible to be included in the 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, the recordable account management system for automatically generating the withdrawal accounting data of the online store is configured to transmit withdrawal transaction information through the recordable account (or a real account linked with the recordable account) The withdrawal transaction information is received from the online shop terminal 750, the financial system having the recordable account ledger shown in FIG. 2, and the online shop terminal 750, And stores the unique number contained in the withdrawal transaction history as a summary of the transaction history items of the real account linked to the recordable account (Or contents) item of the recordable account management server.

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.

7, the recordable account management server 700 receives a withdrawal transaction corresponding to the recordable account (or a real account linked with a recordable account) from the online store terminal 750 via a predetermined communication network, And an interface unit 705 for connecting and managing a communication channel for receiving information.

According to an embodiment of the present invention, when the online shop terminal 750 includes a wired terminal connected to a predetermined wired communication network, the interface unit 705 may transmit the online (Or a recordable account) associated with the recordable account by using a communication protocol defined in a browser program included in the online shop terminal 750, It is desirable to provide a communication interface for sending and receiving withdrawal transaction information for a withdrawal transaction to a real account.

For example, when the online shop terminal 750 is provided with a browser program corresponding to HTTP (Hyper-Text Transfer Protocol) protocol, the interface unit 705 transmits the browser program to the online shop terminal 750 ) And a communication channel, and transmits a predetermined web page (for example, HTML (Hyper HTML) for withdrawal transaction to the recordable account (or real account linked with the recordable account) using the HTPP protocol defined in the browser program -Text Markup Language) compatible web page) and / or information (or data).

Alternatively, if the online shop terminal 750 is provided with a financial transaction program using a recordable account directly linked to the recordable account management server 700, the interface unit 705 may receive the TCP / (Or a real account linked to the recordable account) by using a communication protocol defined in the financial transaction program using the recordable account, And provides a communication interface for sending and receiving withdrawal transaction information for a transaction.

According to another embodiment of the present invention, when the on-line store terminal 750 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 transmits (Or a real account linked to a recordable account) by using a communication protocol defined in a browser program included in the online shop terminal 750, It is preferable to provide a communication interface for transmitting and receiving withdrawal transaction information for a withdrawal transaction.

For example, if the online shop terminal 750 is provided with a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol, the interface unit 705 may receive the CDMA / WCDMA protocol (Or a real account linked with the recordable account) by using the WAP / ME protocol defined in the browser program, and transmits a predetermined payment request for a withdrawal transaction to the recordable account (E.g., a Wireless Markup Language (WML) compliant web page, or an HTML compatible web page) and / or information (or data).

Alternatively, if the online shop terminal 750 is provided with a financial transaction program using a recordable account directly linked to the recordable account management server 700, the interface unit 705 may receive the CDMA / WCDMA protocol (Or a real account linked to the recordable account) by using a communication protocol defined in the financial transaction program using the recordable account, And provides a communication interface for sending and receiving withdrawal transaction information for a transaction.

Referring to FIG. 7, the recordable account management server 700 is connected to the recordable account management server 700 through a predetermined communication channel through the interface unit 705 (Or a withdrawal transaction information registration request for a withdrawal transaction to the recordable account (or a real account linked with the recordable account) to the recordable account management server 700 via the communication channel) (Or extracts) at least one user interface for inputting (or selecting) predetermined withdrawal transaction information from the recordable account management server 750 and transmitting the withdrawal transaction information to the recordable account management server 700, An interface providing unit 710 for providing an interface screen including the created (or extracted) user interface to the online shop terminal 750 in association with the online shop terminal 750; (Or selects) withdrawal transaction information including at least one withdrawal account information, withdrawal amount information, transaction authentication information, payee account information, and withdrawal classification code through the user interface included in the interface screen, The information receiving unit 715 that receives the withdrawal transaction information transmitted from the online shop terminal 750 in cooperation with the interface unit 705 transmits the withdrawal transaction information received via the information receiving unit 715 And a validity checking unit 720 for confirming whether or not the recordable account (or actual account associated with the recordable account) satisfies the validity for the withdrawal transaction.

When the predetermined online shop terminal 750 is connected to the recordable account managing server 700 in connection with the interface unit 705, the interface providing unit 710 provides the function of the online shop terminal 750 (Or selects) the withdrawal transaction information for the withdrawal transaction for the recordable account (or the real account linked to the recordable account) corresponding to the configuration, and transmits the withdrawal transaction information to the recordable account management server 700 via the communication network (Or extracts) the user interface through the communication network in cooperation with the interface unit 705, and transmits the created (or extracted) And provides the interface screen including one or more to the online shop terminal 750.

Thereafter, the online shop terminal 750 inputs (or selects) the withdrawal transaction information based on the user interface included in the interface screen, and transmits the withdrawal transaction information inputted (or selected) To the recordable account management server (700).

In a case where the online shop terminal 750 includes a wired terminal connected to a predetermined wired communication network according to an embodiment of the present invention, the interface providing unit 710 may include the wired terminal connected to the recordable account (Or extracts) a predetermined user interface that can be provided by the browser program and / or the browser program provided in the online shop terminal 750 for the withdrawal transaction to the user terminal It is preferable that an interface screen including at least one generated (or extracted) user interface is provided to the online shop terminal 750.

According to another embodiment of the present invention, when the on-line store terminal 750 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 may provide the interface with the recordable account (Or extracts) a predetermined user interface that can be provided by the browser program and / or the browser program provided in the online shop terminal 750 for the withdrawal transaction to the interface unit 705, And provides an interface screen including at least one user interface generated (or extracted) to the online shop terminal 750.

According to another embodiment of the present invention, the online shop terminal 750 may include a financial automation device (for example, an automatic teller machine (ATM), a cash dispenser, or a cash dispenser) connected to a predetermined financial network. CD), the interface providing unit 710 may provide a predetermined user who can be provided with a browser program provided in the automated teller machine for withdrawal transactions for the recordable account (or a real account linked to the recordable account) (Or extracts) an interface, and provides an interface screen including at least one user interface generated (or extracted) through the interface unit 705 to the automated teller machine.

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 unit 710 transmits the recordable account (Or extracts) a predetermined voice announcement that can be provided to the call terminal (not shown) for a withdrawal transaction with respect to the voice call (Or an automatic response based user interface) to the call terminal (not shown).

According to another embodiment of the present invention, when the terminal device is a wired terminal (or a bidirectional digital TV) connected to a TV banking system, the interface providing unit 710 transmits the recordable account (Or extracts) a predetermined user interface that can be provided to the wired terminal (or bidirectional digital TV) for the withdrawal transaction with respect to the user who has been created (or extracted) through the interface unit 705, (Or an interactive digital TV) interface screen including at least one interface.

According to another embodiment of the present invention, a predetermined browser (not shown) having at least one user interface for a withdrawal transaction for the recordable account (or a real account linked to a recordable account) If the program is provided, the interface providing unit 710 may include at least one user interface for the withdrawal transaction for the recordable account (or a real account linked to the recordable account) to the online shop terminal 750 The function of providing an interface screen for displaying an interface screen may be omitted, and thus the present invention is not limited thereto.

Then, the online shop terminal 750 transmits withdrawal account information, withdrawal amount information, transaction authentication information, payee account information, and withdrawal classification code including at least one or more withdrawal account information, (Or selects) the transaction information, and transmits the input / withdrawal transaction information to the recordable account management server 700 via the communication network. In response to this, the information receiver 715 receives the transaction information And receives the withdrawal transaction information transmitted from the on-line store terminal 750 in association with the withdrawal withdrawal unit 705. According to the intention of a person skilled in the art, the withdrawal transaction information includes a predetermined withdrawal memo It is possible to further include information.

According to the embodiment of the present invention, the online shop terminal 750 stores the withdrawal account information, the withdrawal amount information, the transaction authentication information, the payee account information, and the withdrawal classification code in the withdrawal transaction information including at least one or more withdrawal account information, At least one or more of the password and / or the security card information for confirming the validity of the withdrawal transaction information and / or the OTP code generated through the predetermined OTP (One Time Password) generator, etc., To the recordable account management server 700 through the communication network.

According to the embodiment of the present invention, the online shop terminal 750 transmits the withdrawal transaction information including at least one of the withdrawal account information, withdrawal amount information, transaction authentication information, payee account information and withdrawal classification code to at least one or more encryption (E.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) The online shop terminal 750 transmits at least one encryption key corresponding to the encryption method to the recordable account management server 700 via the communication network by attaching a predetermined electronic signature to the online store terminal 750 And / or has a predetermined public certificate containing at least one encryption key, and / or It is preferable that the group certificate comprises a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card).

According to the embodiment of the present invention, the online shop terminal 750 transmits the withdrawal transaction information including at least one of the withdrawal account information, withdrawal amount information, transaction authentication information, payee account information and withdrawal classification code to at least one or more encryption (E.g., a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method) The on-line shop terminal 750 may include at least one encryption key corresponding to the encryption scheme, and / or may include at least one encryption key including at least one encryption key Certificate, and / or if the authorized certificate is provided in a predetermined IC chip (or IC card) It is preferable that a card reader for confirming a public certificate provided in the IC chip (or IC card) is provided.

If the person skilled in the art is familiar with the technical features of various encryption schemes for encrypting the withdrawal transaction information and the technical features of attaching a predetermined electronic signature to the withdrawal transaction information A detailed description thereof will be omitted for the sake of convenience.

The withdrawal account information preferably includes at least one of recordable account information (or real account information associated with the recordable account) registered through the recordable account registration system shown in FIG.

Preferably, the withdrawal amount information includes amount information to be withdrawn from the withdrawal account, and the withdrawal amount is preferably matched with at least one withdrawal classification code.

Preferably, the remittance account information includes account number and bank information for the remittance account to which the withdrawal amount is deposited and transferred.

The withdrawal classification code may include a code for identifying at least one expenditure account for the withdrawal amount.

According to an embodiment of the present invention, when the withdrawal amount is associated with one expenditure account, the withdrawal classification code preferably includes one withdrawal classification code.

According to another embodiment of the present invention, when the withdrawal amount is associated with two or more expenditure accounts, the withdrawal classification code preferably includes two or more withdrawal classification codes.

According to another embodiment of the present invention, when the withdrawal classification code is directly identifiable in connection with the financial system in the recordable account management server 700 (for example, when the remitter account information is matched with one expense account) , The withdrawal transaction information may include the withdrawal classification code, and thus the present invention is not limited thereto.

The transaction authentication information includes confidentiality, authentication, integrity, and nonrepudiation for the financial transaction for the withdrawal transaction through the recordable account (or the real account linked to the recordable account) And a password corresponding to the financial transaction, the at least one password being a password corresponding to the recordable account or a password corresponding to the financial transaction.

In addition, the financial account for the withdrawal transaction through the recordable account (or the real account linked to the recordable account) is performed via the non-face-to-face channel. In the recordable account operating system shown in FIG. 7, The transaction authentication information may further include at least one security code information included in the security card provided to the customer in the process of opening the recordable account (or the real account linked with the recordable account), and / And an OTP code generated through an OTP (One Tone Password) generator provided for the OTP.

In addition, the financial account for the withdrawal transaction through the recordable account (or the real account linked to the recordable account) is performed via the non-face-to-face channel. In the recordable account operating system shown in FIG. 7, The transaction authentication information may include at least one of an authorized certificate information provided in the financial transaction terminal (or the IC card of the customer interlocked via an IC (Integrated Circuit) card reader provided in the financial transaction terminal) Encrypting the withdrawal transaction information based on the at least one encryption key, or attaching the electronic signature of the customer to the withdrawal transaction information.

The validity checking unit 720 checks whether the withdrawn transaction information received through the information receiving unit 715 in connection with a predetermined financial system includes a withdrawal transaction for the recordable account (or a real account linked to the recordable account) The validity of the validity is satisfied.

According to an embodiment of the present invention, the withdrawal transaction information is transmitted to the terminal device via at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method and / or electronic envelope based encryption method and / Based encryption scheme, etc.), the validity checking unit 720 may transmit the encrypted withdrawal transaction information to at least one or more decryption methods (e.g., a symmetric-key-based decryption method and / or a public key Based decryption method, and / or an electronic envelope-based decryption method, and / or a key exchange-based decryption method), thereby validating the validity of the received withdrawal transaction information.

Alternatively, when a predetermined electronic signature is attached to the withdrawal transaction information, the validity checking unit 720 authenticates the validity of the received withdrawal transaction information by checking the electronic signature attached to the withdrawal transaction information desirable.

Those skilled in the art will appreciate that technical characteristics of various decryption methods for decrypting the encrypted withdrawal transaction information and technical characteristics for confirming the electronic signature attached to the withdrawal transaction information are well known And a detailed description thereof will be omitted for the sake of convenience.

If the received withdrawal transaction information further includes a predetermined password for confirming the validity of the withdrawal transaction information according to the method of the present invention, the validity checking unit 720 may include the withdrawal transaction information It is preferable to verify the validity of the received withdrawal transaction information by comparing and authenticating the received password with a password provided corresponding to the customer on the DBMS.

Alternatively, if the received withdrawal transaction information further includes the predetermined security card information for confirming the validity of the withdrawal transaction information, the validity checking unit 720 checks the received security information included in the withdrawal transaction information, It is preferable that the validity of the received withdrawal transaction information is authenticated by comparing and authenticating the card information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the received withdrawal transaction information further includes a predetermined OTP code for confirming the validity of the withdrawal transaction information, the validity checking unit 720 determines whether the received OTP code included in the withdrawal transaction information And authenticating the validity of the received withdrawal transaction information by comparing and authenticating the generated OTP code based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, validation of the withdrawal transaction information includes checking whether a recordable account ledger matching the withdrawal transaction information is registered in the ledger D / B (745) in the financial system .

7, the recordable account management server 700 includes an information confirmation unit 725 (or information confirmation means) for confirming a withdrawal classification code corresponding to the withdrawal transaction information, A unique number assigning unit 730 (or a unique number assigning unit) for assigning a unique number corresponding to the withdrawal classification code, and a withdrawal transaction history including the withdrawal transaction information to which the inherent number is allocated, to the recordable account ledger (Or withdrawal transaction history storage means) for storing the withdrawal transaction history information in the withdrawal transaction history information 735 (or the withdrawal transaction history storage means) for storing the withdrawal transaction history in the transaction details field of the real account And a transaction history storage unit 740 (or transaction history storage means) for recording the transaction history.

When the withdrawal transaction information including at least one of the withdrawal account information, the withdrawal amount information, the transaction authentication information, the payee account information, and the withdrawal classification code is received from the online shop terminal 750, The withdrawal classification code corresponding to the withdrawal transaction information is confirmed.

According to another embodiment of the present invention, when the withdrawal transaction information does not include the withdrawal classification code, the information verification unit 725 reads the withdrawal transaction information (for example, the withdrawal account information included in the withdrawal transaction information , Or the withdrawal memo information is read) to confirm the withdrawal classification code corresponding to the withdrawal transaction information.

When the withdrawal classification code is confirmed, the inherent number assigning unit 730 assigns a unique number that does not overlap with the inherent number assigned to the other transaction details in the withdrawal transaction information.

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.

When the specific number is assigned to the withdrawal schedule information, the withdrawal transaction history storage unit 735 generates withdrawal transaction details including the withdrawal transaction information to which the unique number is allocated, And the transaction history information associated with the account ledger.

The transaction history information associated with the recordable account ledger for storing the withdrawal transaction history basically includes the unique number item, the virtual account number item, the withdrawal transaction amount information item, and the withdrawal transaction date information item And may further include at least one of the customer settlement means information item and the settlement date information item according to the intention of a person skilled in the art.

The transaction history storage unit 740 records the unique number assigned to the withdrawal transaction history in the summary (or content) item of the transaction details item of the real account in association with the financial system. A transaction history of the recordable account and a transaction history of the real account are matched and stored in a one-to-one (or one-to-many) manner.

FIG. 8 is a diagram illustrating a withdrawal transaction process for automatically generating withdrawal accounting data of an online store according to an embodiment of the present invention.

FIG. 8 is a flow chart illustrating an example of an online store terminal 750 that includes a withdrawal classification code allocated to the recordable account through the recordable account registration system shown in FIG. 1 to automate the accounting process of the online store at the online store terminal 750 (Or information on which the withdrawal classification code can be confirmed), the recordable account management server 700 provided on the recordable account management system shown in FIG. 7 corresponds to the withdrawal transaction The withdrawal transaction information having a predetermined number assigned to the withdrawal transaction information is generated and stored in the transaction history information associated with the recordable account ledger, and the unique number included in the withdrawal transaction history is stored in the recordable account (Or contents) item among transaction details of the real account, and it is a general knowledge in the technical field to which the present invention belongs. It is possible to deduce various methods of the withdrawal transaction process for automatically generating the withdrawal accounting data of the online store by referencing and / or modifying the FIG. 8. However, the present invention can be applied to all the methods And is not limited to the method shown in FIG.

Hereinafter, in FIG. 8, the online shop terminal 750 shown in FIG. 7 is referred to as a "terminal" for convenience, and the recordable account management server 700 shown in FIG. 7 is referred to as a "server" for the sake of convenience.

Referring to FIG. 8, when the terminal shown in FIG. 7 accesses the server through a predetermined communication network and requests (800) a withdrawal transaction through the recordable account (or a real account linked with the recordable account) Correspondingly, the server includes a user interface for inputting (or selecting) withdrawal transaction information including at least one of withdrawal account information, withdrawal amount information, transaction authentication information, payee account information, and withdrawal classification code for the withdrawal transaction (Or extracts) a web page to be transmitted to the terminal through the communication channel and outputs the web page (805).

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

Then, the terminal inputs (or selects) the withdrawal transaction information including at least one of the withdrawal account information, the withdrawal amount information, the transaction authentication information, the payee account information, and the withdrawal classification code through the user interface (step 810).

If the terminal inputs (or selects) withdrawal transaction information including the withdrawal account information, the withdrawal amount information, the transaction authentication information, the payee account information, and the withdrawal classification code through the user interface (815) (Or selected) withdrawal account information, withdrawal amount information, transaction authentication information, payee account information, and withdrawal classification code to the server through the communication channel (820) (Or selected) withdrawal account information, withdrawal amount information, transaction authentication information, payee account information, and withdrawal classification code to the server, the withdrawal transaction information input (or selected) through the user interface is transmitted to the terminal And further transmitting the digital signature and / or encryption to the server through a security module (not shown) .

The withdrawal account information preferably includes at least one of recordable account information (or real account information associated with the recordable account) registered through the recordable account registration system shown in FIG.

Preferably, the withdrawal amount information includes amount information to be withdrawn from the withdrawal account, and the withdrawal amount is preferably matched with at least one withdrawal classification code.

Preferably, the remittance account information includes account number and bank information for the remittance account to which the withdrawal amount is deposited and transferred.

The withdrawal classification code may include a code for identifying at least one expenditure account for the withdrawal amount.

According to an embodiment of the present invention, when the withdrawal amount is associated with one expenditure account, the withdrawal classification code preferably includes one withdrawal classification code.

According to another embodiment of the present invention, when the withdrawal amount is associated with two or more expenditure accounts, the withdrawal classification code preferably includes two or more withdrawal classification codes.

According to another embodiment of the present invention, when the withdrawal classification code is directly identifiable in connection with the financial system in the recordable account management server 700 (for example, when the remitter account information is matched with one expense account) , The withdrawal transaction information may include the withdrawal classification code, and thus the present invention is not limited thereto.

The transaction authentication information includes confidentiality, authentication, integrity, and nonrepudiation for the financial transaction for the withdrawal transaction through the recordable account (or the real account linked to the recordable account) And a password corresponding to the financial transaction, the at least one password being a password corresponding to the recordable account or a password corresponding to the financial transaction.

In addition, the financial account for the withdrawal transaction through the recordable account (or the real account linked to the recordable account) is performed via the non-face-to-face channel. In the recordable account operating system shown in FIG. 7, The transaction authentication information may further include at least one security code information included in the security card provided to the customer in the process of opening the recordable account (or the real account linked with the recordable account), and / And an OTP code generated through an OTP (One Tone Password) generator provided for the OTP.

In addition, the financial account for the withdrawal transaction through the recordable account (or the real account linked to the recordable account) is performed via the non-face-to-face channel. In the recordable account operating system shown in FIG. 7, The transaction authentication information may include at least one of an authorized certificate information provided in the financial transaction terminal (or the IC card of the customer interlocked via an IC (Integrated Circuit) card reader provided in the financial transaction terminal) Encrypting the withdrawal transaction information based on the at least one encryption key, or attaching the electronic signature of the customer to the withdrawal transaction information.

Thereafter, the server receives and reads the withdrawal transaction information including at least one of the withdrawal account information, the withdrawal amount information, the transaction authentication information, the payee account information, and the withdrawal classification code through the communication channel, The validity is confirmed (825), and the validity of the non-withdrawal transaction information is confirmed when the withdrawal transaction information is digitally signed and / or encrypted through a security module (not shown) provided in the terminal, Decrypting the information, and / or decrypting the withdrawal transaction information.

According to an embodiment of the present invention, the withdrawal transaction information is transmitted to the terminal device via at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method and / or electronic envelope based encryption method and / Based encryption scheme, etc.), the server transmits the encrypted withdrawal transaction information to at least one or more decryption methods (e.g., a symmetric-key-based decryption method and / or a public key- And / or a key exchange-based decryption method, etc.), thereby validating the validity of the received withdrawal transaction information.

Alternatively, when a predetermined electronic signature is attached to the withdrawal transaction information, the server authenticates the validity of the received withdrawal transaction information by checking the electronic signature attached to the withdrawal transaction information.

Those skilled in the art will appreciate that technical characteristics of various decryption methods for decrypting the encrypted withdrawal transaction information and technical characteristics for confirming the electronic signature attached to the withdrawal transaction information are well known And a detailed description thereof will be omitted for the sake of convenience.

When the received withdrawal transaction information further includes a predetermined password for confirming the validity of the withdrawal transaction information according to the method of the present invention, It is preferable that the validity of the received withdrawal transaction information is authenticated by comparing and authenticating the password provided corresponding to the customer on the DBMS.

Alternatively, if the received withdrawal transaction information further includes predetermined security card information for confirming the validity of the withdrawal transaction information, the server transmits the received security card information included in the withdrawal transaction information to the DBMS It is preferable that the validity of the received withdrawal transaction information is authenticated by comparing and authenticating the security card information provided in correspondence with the customer.

Alternatively, if the received withdrawal transaction information further includes a predetermined OTP code for confirming the validity of the withdrawal transaction information, the server transmits the received OTP code included in the withdrawal transaction information and the received OTP code on the DBMS It is preferable that the validity of the received withdrawal transaction information is authenticated by comparing and authenticating the generated OTP code based on the predetermined OTP generation information provided corresponding to the customer.

If the validity of the withdrawal transaction information is not authenticated (830), the server generates predetermined withdrawal transaction error information corresponding to the validity error information and transmits it to the terminal through the communication network (835).

On the other hand, if the validity of the withdrawal transaction information is authenticated (830), the server confirms the withdrawal classification code corresponding to the withdrawal transaction information (840).

According to another embodiment of the present invention, when the withdrawal transaction information does not include the withdrawal classification code, the server reads the withdrawal transaction information (for example, the withdrawal account information included in the withdrawal transaction information, or the withdrawal memo information It is preferable to confirm the withdrawal classification code corresponding to the withdrawal transaction information.

If a withdrawal classification code corresponding to the withdrawal transaction information is confirmed (845), a unique identification number corresponding to the withdrawal classification code and not duplicated on the withdrawal transaction details is allocated to the withdrawal transaction information (850) The withdrawal transaction details including the unique number and the withdrawal transaction information are generated (855), and the withdrawal transaction details generated in association with the financial system are stored in the transaction history information associated with the recordable account ledger (860) .

Thereafter, the server records the unique number assigned to the withdrawal transaction history of the recordable account in the summary (or content) item of the transaction details item of the real account in association with the financial system (845).

According to the present invention, in a withdrawal transaction related to an expenditure of an online store, a unique number corresponding to a predetermined withdrawal classification code is assigned to a withdrawal transaction record corresponding to an expenditure account of the accounting account of the online store, By recording the unique number assigned to the recordable account transaction history in the account (or content) item of the transaction details item of the actual account of the online store associated with the recordable account, There is an advantage of automatically handling the accounting associated with.

Claims (7)

A withdrawal management method using a recordable account executed by a server, A first step of storing a withdrawal classification code for N (N > = 1) withdrawal categories to be managed through a recordable account opened so as to be able to provide a transaction in connection with a real account of a shop and using funds deposited in the real account; When the withdrawal transaction for the funds deposited in the real account is performed using the recordable account, a withdrawal classification code matching the withdrawal transaction using the recordable account among the withdrawal classification codes for the N withdrawal categories is confirmed step; And And a third step of processing the withdrawal transaction history including the withdrawal classification code to be recorded in the ledger of the recordable account when confirming the withdrawal classification code of the withdrawal transaction using the recordable account, How to manage The method according to claim 1, Further comprising the step of assigning a unique number corresponding to the withdrawal classification code to the confirmed withdrawal transaction when checking the withdrawal classification code of the withdrawal transaction using the recordable account, Wherein the withdrawal transaction details include transaction details corresponding to the withdrawal transaction, a withdrawal classification code, and the unique number, Wherein the withdrawal classification code includes a code matching an expenditure account of the accounting account of the shop. The method according to claim 1, If the withdrawal transaction is assigned a unique number, Further comprising a fourth step of processing the actual account transaction details recorded in the ledger of the real account in response to the withdrawal transaction so that the unique number is included in the actual account of the actual account, How to manage the withdrawal using. Claim 4 has been abandoned due to the setting registration fee. 4. The method of claim 3, And records the actual transaction transaction details and the withdrawal transaction details of the recordable account in a one-to-one or one-to-many relationship in the record of the actual account contained in the item or content item of the actual account transaction history. How to manage the withdrawal using a bank account. The method according to claim 1, Further comprising withdrawing memo information input from the terminal requesting the withdrawal transaction. Claim 6 has been abandoned due to the setting registration fee. The method according to claim 1, Wherein the account corresponds to an expenditure account of an accounting account of a store operating the recordable account. Claim 7 has been abandoned due to the setting registration fee. The method according to claim 1, Wherein the payee account is matched with the designated payee account of the withdrawal transaction.

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