KR101599908B1 - Method for Providing Loan Service by Affiliated Store's Terminal - Google Patents

Abstract

According to a method of providing a loan service through a merchant terminal of the present invention, a method of executing a credit service through a server that manages a flow of funds of a card payment merchant, comprising the steps of: managing a flow of funds of a merchant in connection with a real account of a merchant established at a designated bank A record-type account that includes an information storage structure for selectively recording various details by category in order to record real-time funds, and stores merchant information that identifies an affiliated store that manages the flow of funds in the recordable account And confirms and records terminal information for authenticating a terminal in a franchisee to be used for a credit application of the franchisee among the payment terminals of the franchisee to record a payment history corresponding to the flow of money of the franchisee And the withdrawal history are recorded in the record type account, And records the deposit schedule details in the recordable account, receives a loan request message including the merchant information and the terminal information from the terminal in the merchant store, and transmits the merchant information of the loan request message through the merchant information of the recordable account The franchisee who has read out and requested the loan authenticates that the franchisee is managing the flow of funds through the recordable account and reads the terminal information of the loan request telegram through the terminal information of the recordable account and transmits the loan request telegram The terminal authenticates that the terminal is a terminal in an affiliated store registered for a loan application of an affiliate shop, the affiliated shop corresponding to the affiliated store information is authenticated as an affiliate shop managed by the flow of funds, and the terminal transmitting the loan request message is registered with the registered affiliate shop terminal Once authenticated, it responds to the loan request telegram based on the record recorded in the recordable account Performs a procedure for processing the loan.

Loan, redemption, merchant terminal, payment terminal, recordable account, virtual account, online account

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for providing a loan service through a merchant terminal,

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a diagram for explaining a recording type account registration system according to an embodiment of the present invention; Fig.

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

3 is a view for explaining the configuration of recordable account ledger information according to another embodiment of the present invention.

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

FIG. 5 is a diagram for explaining a process of providing information for recording (or opening) record-type accounts according to another embodiment of the present invention; FIG.

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

FIG. 7 is a diagram for explaining a configuration of a recordable account management system in which a deposit history is stored in a recordable account ledger to automatically generate deposit-related accounting data of an affiliate store according to an embodiment of the present invention; FIG.

FIG. 8 is a diagram for explaining a process of storing a deposit plan in a recordable account ledger to automatically generate account-related accounting data of an affiliate store according to an embodiment of the present invention; FIG.

9 is a view for explaining a configuration of a recordable account management system for automatically generating account-related accounting data of a merchant according to an embodiment of the present invention.

10 is a view for explaining a process of storing deposit transaction details in a recordable account ledger to automatically generate account-related accounting data of a franchisee according to an embodiment of the present invention.

11 is a diagram for explaining a configuration of a loan service operating system according to an embodiment of the present invention.

FIG. 12 is a diagram for explaining a procedure for confirming the validity of a loan for a loan application according to an embodiment of the present invention; FIG.

13 is a diagram for explaining a credit lending process according to an embodiment of the present invention.

14 is a view for explaining a mortgage loan process according to an embodiment of the present invention.

15 is a diagram for explaining a compound loan procedure according to an embodiment of the present invention.

16A and 16B are diagrams for explaining a withdrawal transaction locking process of a real account for a loan according to an embodiment of the present invention;

FIG. 17 is a diagram for explaining a loan repayment process for a loan according to an embodiment of the present invention; FIG.

18A and 18B are diagrams for explaining a loan repayment process for a loan according to another embodiment of the present invention;

19 is a diagram for explaining a functional configuration of a merchant terminal having a loan application mode according to an embodiment of the present invention;

Description of the Related Art

1100: Loan service operation server 1105: Interface part

1110: Interface providing unit 1115: Professional receiving unit

1120: Loan validity confirmation unit 1125: Loan amount calculation unit

1130: Recordable account lock setting unit 1135: Loan processing unit

1140: Professional Generation Unit 1145: Professional Transmission Unit

1150: Actual account lock setting unit 1155: Loan repayment approval processing unit

1160: Lock transaction history confirmation unit 1165: Lock release unit

1170: Loan repayment processor 1175: General ledger D / B

1180: Merchant terminal

In order to manage the flow of money of a merchant in connection with a real account of a merchant established at a designated bank, a method for executing through a server that manages the flow of funds of a card payment merchant, And records the merchant information that identifies an affiliated store that is managed by the record flow account in the recordable account, and stores the merchant store information in the recordable account of the merchant's payment terminal The terminal information for authenticating the terminal in the franchisee to be used for the loan application of the franchisee is confirmed and recorded, and the deposit history and the withdrawal history corresponding to the flow of the money of the franchisee among the transaction details of the real account are selected, Or records the payment schedule for the merchant and records it in the recordable account A merchant store that receives merchandise information from the terminal within the merchant store and the loan request message including the merchant information and the terminal information and reads merchant information of the loan request specialist through the merchant store information of the recordable account, The terminal that has read the terminal information of the loan request telegram through the terminal information of the recordable account and transmits the loan request telegram to the merchant registered for the loan application of the merchant If the merchant corresponding to the merchant information is authenticated as an affiliated store managed by the flow of funds and the terminal transmitting the loan request message is authenticated to the registered merchant terminal, Based on the loan request message received from the merchant terminal, Present invention relates to a method for providing loan services.

The financial account for the account management of the merchant (hereinafter referred to as the "record account") is a transaction account of the account of the merchant account (payment history through account transfer, credit card or check card payment history) And records in the record type account transaction history by matching with the actual account transaction details.

Due to this record-type account, the merchant (or merchant) can systematically check transaction history as well as details of simple deposit and withdrawal. For example, if a payment is made through an account transfer at an online store, the merchant (merchant) only confirms the deposit made through the account created for the payment, not only the details of the depositor and the deposit amount, (Product (or service) information, purchase customer information, purchase route information, and the like) can be confirmed, and the details of the return can also be confirmed. In addition, when payment is made through a credit card or a check card in an on-line / off-line store, unless the merchant (merchant) performs the settlement separately, However, if you check the details of the payment due through the recordable account (that is, the details that have been settled through payment of the card but have not yet been deposited), you can view the sales by card (or financial institution) I can understand. In addition, the contents recorded in this record account can be used as accounting data (such as income declaration data) for the merchant (or merchant).

On the other hand, in a franchisee (or a franchisee), it is necessary to quickly distribute goods or purchase a material. However, when payment is frequently made through the card, a certain period of time is required until the amount of the card payment is deposited Therefore, in contrast to the need for rapid distribution of goods and materials, circulation of money is often not easy.

Therefore, a franchisee (or a franchisee) who needs a power supply to use for a short period of time may feel the necessity of a loan. In order to make a loan, it is necessary to visit a financial institution or spend time delaying the loan examination. It is not easy to do.

Moreover, it is a small loan to be used for a short period of time, and if it is frequently needed, it is a burden for the franchisee to have to check the troublesome loans every time.

In order to solve the above problems, an object of the present invention is to provide a method for executing a transaction through a server for managing a flow of funds of a card payment merchant, comprising the steps of: A first step of creating a recordable account that includes an information storage structure for selectively recording various details by category and in which real funds are not deposited, and a step of recording merchant information for identifying the merchant that receives the flow of funds in the recordable account A second step of confirming and recording terminal information for authenticating a terminal in a franchisee to be used for a credit application of the merchant among the payment terminals of the franchisee; The corresponding deposit details and withdrawal details are selected and recorded in the recordable account or the merchant A fourth step of confirming the payment history of the user and recording the payment history in the recordable account, a fourth step of receiving a loan request message including the merchant information and the terminal information from the terminal of the merchant point, The franchisee who reads the merchant information of the lending request specialist and authenticates that the merchant who applied for the loan is an affiliate shop that manages the flow of funds through the recordable account and reads the terminal information of the loan request specialist through the terminal information of the recordable account A fifth step of authenticating whether the terminal transmitting the loan request telegram is a terminal within the franchise shop registered for a credit application of the franchisee; and a fifth step of authenticating the franchisee corresponding to the franchise shop information as an affiliated store managed by the flow of funds, When a terminal is authenticated by the registered merchant terminal, the history recorded in the recordable account Basis is the loan service delivery via the merchant terminal to a sixth step of the procedure to process the loan corresponding to the loan request to provide a specialized.

A method for providing a credit service through a merchant terminal according to the present invention is a method executed by a server that manages the flow of funds of a card payment merchant, the method comprising: managing a flow of funds of a merchant in connection with a real account of a merchant established at a designated bank A first step of creating a recordable account that includes an information storage structure for selectively recording various details by category in order to record real-time funds, and for recording an account of the money flow in the recordable account; A second step of recording merchant information and confirming and recording terminal information for authenticating a terminal in an affiliated store to be used for a loan application of the merchant's payment terminal among the payment terminals of the merchant; The depositing history and withdrawal history corresponding to the flow are selected and recorded in the recordable account A fourth step of receiving a loan request message including merchant information and terminal information from a terminal in the merchant store, and a fourth step of receiving merchandise information of the merchant store The merchant who reads the merchant information of the loan request specialist and authenticates that the merchant requesting the loan is an affiliate shop that manages the flow of funds through the recordable account through the recordable account, A fifth step of authenticating that the terminal transmitting the loan request telegram is a terminal within the franchise shop registered for the loan application of the franchisee; and a fifth step of authenticating the franchisee corresponding to the franchise shop information as an affiliated store managed by the flow of funds, If the terminal that transmitted the message is authenticated to the registered merchant terminal, And a sixth step of processing a loan corresponding to the loan request telegram on the basis of the recorded details.
In a sixth aspect of the present invention, in the sixth step, the merchant corresponding to the merchant information is not authenticated as an affiliate store for managing the flow of funds, or the terminal transmitting the loan request message includes the registration And generating a loan error message and transmitting the generated loan error message to the terminal of the affiliated shop.
A method for providing a loan service through a merchant terminal according to the present invention, the method comprising the steps of: a mortgage loan using a transfer schedule recorded in the recordable account; a credit loan based on various details recorded in the recordable account; And at least one of a combination loan that is a combination of a loan and a credit loan.
A method for providing a loan service according to the present invention is a method for providing a loan service based on a financial account for managing a flow of funds generated according to the operation of an affiliated store, Receiving a loan approval request telegram including a merchant information item, a loan condition information item, and a loan application amount information item in response to the financial statement; The credit rating of the merchant is calculated on the basis of the confirmed receipt / withdrawal details and the account balance, and it is checked whether the credit application amount is less than the creditable amount for the calculated credit rating, If the condition is a mortgage loan, the amount of the loan application may be the amount of money to be deposited in the financial account And if it is determined that the requested amount of money to be borrowed is equal to or less than the borrowable amount, processing the loan application, generating a loan approval message including the loan application processing result information, So as to be transmitted.

In the method of providing a loan service according to the present invention, if the franchisee receives a loan with a deposit amount as a security, when a deposit date is reached with respect to the deposit amount set as the security, the loan is settled based on the deposit amount Further comprising the steps of:

Meanwhile, a method of providing a loan service according to the present invention is a method of providing a loan service based on a financial account for managing a flow of funds generated according to the operation of an affiliated store, the method comprising: requesting a loan through a terminal , Receiving the loan approval request message including the merchant information and the loan application amount information in response to the request, and checking at least one of the input / withdrawal history, the account balance or the deposit amount through the financial account, Determining a loan condition for at least one of a loan condition and a secured loan; processing the loan application according to the determined loan condition; generating a loan approval specification including the loan application processing result information; To be transmitted to the terminal.

In the method of providing a loan service according to the present invention, if the loan condition is a loan condition including a mortgage loan based on the deposit amount, if a deposit date for the expected amount of money set as the mortgage arrives, The method comprising the steps of:

In the method for providing a loan service according to the present invention, at least one of a receipt / withdrawal history, an account balance or an expected amount of money is confirmed through the financial account, and a loan condition for the loan application - - determining the applicable loan conditions by sequentially checking the credit loan, the secured loan, and the combined loan according to the priority set by the merchant's stock, and determining the applicable loan conditions, , Checking the receipt / withdrawal history and the account balance through the financial account, calculating the merchant credit rating based on the confirmed receipt / withdrawal history and the account balance, and then calculating the credit rating based on the calculated credit rating, The loan is based on the amount of money to be deposited after confirming the amount of money to be deposited to be deposited in the financial account, Wherein a part of the loan application amount is based on a merchant credit rating, and the remaining amount is based on a deposit amount.

On the other hand, the present invention includes a computer-readable recording medium storing a program for executing the above-mentioned loan service providing method.

Meanwhile, the system for providing a loan service according to the present invention is a system for providing a loan service based on a financial account for managing a flow of funds generated according to the operation of an affiliated store, wherein when a loan is requested through a terminal , Means for receiving a loan approval request message including corresponding merchant information, loan condition information, and loan application amount information; and means for, if the loan condition selected by the merchant is a credit loan, Means for confirming an account balance, calculating a merchant credit rating based on the confirmed input / withdrawal history and account balance, and checking whether the loan application amount is less than or equal to a loanable amount for the calculated credit rating; Means for processing the request for loan if the amount of the requested loan application is less than a loanable amount; Ex application process and the means, and the resulting loan approvals specialized to create a specialized loan approval for the result information; and a means for processing to be transmitted to the mobile station.

Meanwhile, the system for providing a loan service according to the present invention is a system for providing a loan service based on a financial account for managing a flow of funds generated according to the operation of an affiliated store, wherein when a loan is requested through a terminal Means for receiving a loan approval request message including information on merchant information, loan condition information, and loan application amount information corresponding to the information; and means for, when the loan condition selected by the merchant is a secured loan, Means for checking whether the amount of money to be deposited is less than or equal to a possible amount of money to be borrowed, means for processing the loan application when the requested amount of money is equal to or less than a loanable amount, Means for generating a loan approval telegram and transmitting the generated loan approval telegram to the terminal It characterized in that it includes means for processing to.

Meanwhile, the system for providing a loan service according to the present invention is a system for providing a loan service based on a financial account for managing a flow of funds generated according to the operation of an affiliated store, wherein when a loan is requested through a terminal Means for receiving a loan approval request message including information on merchant information and loan application amount information corresponding to the information; and means for confirming at least one of an input / withdrawal amount, an account balance or an amount to be deposited through the financial account, Means for determining a loan condition for at least one of a credit loan condition and a secured loan condition; means for processing the loan application in accordance with the determined loan condition; and a loan approval statement including the loan application processing result information And means for processing the generated loan approval telegram to be transmitted to the terminal .

Meanwhile, the merchant terminal according to the present invention is a terminal provided in an affiliate store that processes payment on the basis of a credit card or a check card. The terminal generates a loan approval request message based on the loan application information input through the terminal And outputting the generated loan approval request message to a server and receiving a loan approval message corresponding to the loan approval request message from the server and outputting a loan processing result based on the received loan approval message, .

The merchant terminal according to the present invention further includes a professional processing unit for outputting a slip on the basis of the received loan approval telegram or outputting it through a screen upon receiving a loan approval telegram corresponding to the telegram of the loan approval request from the server .

Hereinafter, preferred embodiments of the present invention will be described in order to more specifically understand the present invention.

Before describing the drawings, the drawings and the following description are intended to illustrate preferred embodiments among various methods for effectively explaining the features of the present invention, and the present invention is not limited to the following drawings and descriptions. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

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

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

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

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

1 shows an online store (for example, an Internet shopping mall) and an offline store (hereinafter, referred to as an on / offline shop) by a prescribed recordable account registration server 100 through a predetermined network means in a predetermined terminal device 180 Provided in the recordable account registration server 100 to the recordable account registration server 100 for registering a recordable account for supporting the account management of the merchant in the recordable account registration server 100, By providing the account application information to a predetermined information processing server 140 provided in a predetermined financial institution, the information processing server 140 creates a recordable account in the form of an online account corresponding to the recordable account application information As a system configuration, if the person skilled in the art is familiar with the present invention, referring to and / or modifying the figure 1, Various embodiments of a system for registering a recordable account for a circle can be inferred, 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 merchant, the recordable account matches the transaction details related to the accounting of the merchant among the transaction details of the actual account of the merchant (or the merchant) with the actual account transaction details And an online account for recording in the record account transaction history. To this end, a unique number is assigned to each record account transaction detail recorded in the recordable account ledger, (Or content) item of the account transaction history so as to record transaction details related to the account of the merchant during the actual account transaction history in association with transaction details of the record account.

The recordable account may be a parent account of an affiliate store (or an affiliate shop), or, if the affiliate shop is an online store, a real account of a web server operating agency provided with the online store as a parent account, It is possible to use the actual account of the recordable account management institution (or the financial institution) as the parent account. Hereinafter, the embodiment will be described in which the record account is the parent account of the merchant account of the merchant .

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 by the merchant is a parent account, (Or opens) the recordable account registration server 100 and requests the recordable account registration server 100 to register the recordable account application information corresponding to the recordable account registration (or establishment) The terminal device 180 is connected to the terminal device 180 through a predetermined network means and receives predetermined recordable account application information from the terminal device 180. The received recordable account application information is received from the terminal device 180, A recordable account registration server 100 for providing account application information to an information processing server 140 provided in a predetermined financial institution, and a recordable account registration server 100 for communicating with the recordable account registration server 100 via a predetermined communication means (Or opens) a record type account of the merchant customer name based on the record type account application information received from the record account type registration server 100, A server 140, and a financial system for operating the recordable account.

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

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

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

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

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

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

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

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

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

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

According to the present invention, a merchant customer who registers the recordable account through an online channel is provided with at least one terminal device 180 among a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Type 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 among the terminal devices 180 is a collective term for all the terminal devices 180 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.

In addition, the wireless terminal connected to the wireless communication network may include all the terminal devices 180 connected to a CDMA (Code Division Multiple Access) based mobile communication network, and / or all the terminal devices 180 connected to the IEEE 802.16x based portable Internet, (PCS) connected to the CDMA-based mobile communication network and / or a personal digital assistant (PDA) connected to the CDMA-based mobile communication network, (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.

When the merchant is an online store, the recordable account registration server 100 may include a web server provided with the online store, or may be a recordable account registration institution (or financial institution) affiliated with the web server (Or a wireless terminal) via a wired communication network (or a wireless communication network) in accordance with the intention of a person skilled in the art. The terminal device 180 includes at least one wired terminal A portal server that provides a personalized service that includes a search service that includes content and / or a mini homepage / blog, and / or a mail service, and / or a messenger service, and / And / or a search server.

According to the present invention, the information providing service provided by the recordable account registration server 100 to the terminal device 180 includes at least one record requesting a new customer to open at least one merchant customer online through the financial institution Type account description information.

In addition, the recordable account registration server 100 transmits at least one user interface for registering the recordable account to the terminal device 180 through the network means including the wired communication network (or wireless communication network) The terminal device 180 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 180 outputs at least one user interface provided from the recordable account registration server 100, and inputs and / or selects at least one recordable account application information through the user interface (For example, a browser program and a communication function, or a predetermined communication program and a communication function for communicating with the recordable account registration server 100) for transferring the recordable account registration server 100 to the recordable account registration server 100 .

If the person skilled in the art is familiar with the present invention, it is possible to output at least one user interface provided from the recordable account registration server 100 as described above, and to record at least one recordable account application (Or wireless terminal) that transmits and / or selects information to the recordable account registration server 100 and transmits the information to the recordable account registration server 100, it is possible to easily infer the features of the terminal device 180 corresponding to the at least one wired terminal , A detailed description thereof will be omitted for the sake of convenience.

According to an embodiment of the present invention, the recordable account registration server 100 is provided with an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 180 through the network means .

When the terminal device 180 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 180 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 the terminal device 180 is provided with a browser program corresponding to the HTTP (Hyper-Text Transfer Protocol) protocol, the interface unit 105 transmits the browser program to the terminal device 180, (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 180 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 180, 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 apparatus 180 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 may transmit, It is preferable to connect a predetermined communication channel with the device 180 and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the communication program provided in the terminal device 180 Do.

For example, when the terminal device 180 is provided with a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol, the interface unit 105 transmits, (E.g., a wireless markup language (WML) compliant 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 may be configured such that a predetermined terminal device 180 accesses the recordable account registration server 100 through the interface unit 105 and / (Or open) a predetermined user interface for inputting (or selecting) the predetermined record type account application information from the terminal device 180 in cooperation with the interface unit 105 (Not shown) from a web source D / B (not shown), and provides the UI to the terminal device 180; and an interface unit 110, which is interlocked 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.

When the merchant is an online store, the recordable account registration server 100 may include a web server provided with the online store, or may be a recordable account registration institution (or financial institution) affiliated with the web server, And may include a server provided in at least one terminal device 180 through the interface unit 105 in accordance with the intention of a person skilled in the art, and / or a search service including at least one information / A web service unit 115 for providing a web-based service including at least one personalization service including a mini homepage / blog, and / or a mail service, and / or a messenger service, and / If the person skilled in the art is familiar with the present invention, the recordable account registration book 100 is because it will be familiar group how to provide the web-based service with at least one terminal apparatus 180 to perform the function of the portal server and / or the search server, and a detailed description thereof will be omitted for convenience.

The recordable account registration server 100 may also receive the recordable account application information from the terminal device 180 through the information receiver 120 in order to manage the recordable account application information received via 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 180 in addition to the recordable account information registered (or opened) Or at least it is preferable that further comprising.

When the predetermined terminal device 180 accesses the recordable account registration server 100 via the interface unit 105 and / or applies for a recordable account registration (or opening), the interface providing unit 110 transmits, (Or selects) the recordable account application information corresponding to the function configuration provided in the terminal device 180 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 (180).

Thereafter, the terminal device 180 inputs (or selects) the recording account application information based on the user interface, and transmits the input (or selected) recording account application information to the recording type To the account registration server (100).

In a case where the terminal device 180 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 180.

According to another embodiment of the present invention, when the terminal device 180 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 (180).

According to the embodiment of the present invention, the user interface for inputting (or selecting) predetermined recordable account application information from the terminal device 180 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 merchant customer is to apply.

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 180 and confirming that the merchant customer has confirmed the recordable account detailed information desirable.

In addition, the user interface for inputting (or selecting) the recordable account application information may be configured to output the agreement information corresponding to the recordable account to the terminal device 180, And the like.

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, address (Or selecting) the customer account information (e.g., e-mail address), and / or inputting (or selecting) the customer member information (e.g., customer ID information and password information) provided in the recordable account registration server 100 And the like.

Thereafter, the terminal device 180 transmits recordable account selection information for selecting at least one recordable account to which the merchant customer requests from among a plurality of recordable accounts through the user interface, and records corresponding to the recordable account (Or selects) the record type account application information including at least one of the record information and the customer information for the recordable account application customer, and transmits the record type 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.

When the terminal 180 is provided with an interface for inputting (or selecting) recordable account security information including at least one or more recordable account security information, the terminal device 180 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.

In a case where an interface for inputting (or selecting) the online account attribute information is provided to the terminal device 180, the terminal device 180 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 a franchisee (or a franchisee)) for processing the recordable account to be linked with a parent account (or a real account) The actual account information of the web server management institution provided with the online store or the real account information of the recordable account management institution (or financial institution), and the like.

According to the method of the present invention, the user interface for inputting (or selecting) the recordable account application information may include at least one of accounting of the merchant account during the deposit transaction (or withdrawal transaction) of the account of the merchant account linked to the recordable account, And an interface for inputting (or selecting) related accounting account information.

When an interface for inputting (or selecting) the accounting account information is provided to the terminal device 180, the terminal device 180 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 the accounting-related deposit path of the merchant, or accounting-related withdrawal classification code for the merchant It is possible to provide an interface for input (or selection) to the terminal device 180 and directly receive the virtual account information and the withdrawal classification code for each deposit path from the terminal device 180, Or more.

When the terminal device 180 inputs (or selects) predetermined recordable account application information through the user interface and transmits the selected 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 180 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 may transmit the recordable account security information The recordable account security information is received by the information receiving unit 120 in cooperation with the interface unit 105. The recordable account security information may be received by the recordable account security information receiving unit 120, And provides the information to the information relay unit 130 and / or the information storage unit 125.

In addition, the terminal device 180 may input (or select) predetermined online account attribute information through the user interface and transmit the selected online account attribute information to the terminal device 180 through the network device, The online account attribute information may be received by the information receiving unit 120 in cooperation with the interface unit 105. The online account attribute information may be stored in the recordable account application information, To the information relay unit (130) and / or the information storage unit (125).

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

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

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

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

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

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

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

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

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

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

According to another embodiment of the present invention, when the information processing server 140 is provided with the recordable account registration server 100 function and / or when the information processing server 140 is a predetermined banking server, The relay 130 links the terminal device 180 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 180 via a predetermined network means the recordable account application information (or the recordable account application information and recordable account security information, Left attribute information, or accounting account information) can be directly received, and thus the present invention is not limited thereto.

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

Referring to FIG. 1, the information processing server 140 receives the record type account application information (or the recordable account application information and recordable account security information) provided from the recordable account registration server 100 through the communication means , An online account attribute information, or accounting account information) corresponding to the record type account application information received through the information receiving unit 145 in association with a predetermined financial system, And an online account processing unit (160) for processing the opened record account in the form of an online account having a real account corresponding to the online account attribute information as a mother account, characterized by comprising an account opening unit (155) .

The information receiving unit 145 receives the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, provided from the recordable account registration server 100 via the communication means) (Or recordable account application information and recordable account security information, or online account attribute information, or accounting account information) to the account (or accounting account information) And provides it to the setting unit 155.

According to an embodiment of the present invention, the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, or the accounting account information) provided from the recordable account registration server 100 Information) is encrypted, the information receiver 145 decrypts the encrypted record 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 include a function of performing the above-described operation.

The account opening unit 155 receives the record account application information (or the recordable account application information and 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.

Here, the account opening unit 155 establishing a recordable account corresponding to the recordable account application information may be arranged such that the recordable account application information included in the recordable account application information is recorded in the ledger D / B provided on the financial system 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 155 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 155 may be configured to open the recordable account in cooperation with the financial system (e.g., 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 160 transmits the recordable account (or recordable account ledger) opened by the account opening unit 155 to the on- And processing the actual account corresponding to the account property information as an online account having the parent account.

According to an embodiment of the present invention, when the online account attribute information includes the real account information of the merchant (or the merchant), the online account processor 160 stores the actual account of the merchant (or merchant) It is preferable to deal with the account ledger corresponding to the real account of the franchisee (or the franchisee) and the recordable account ledger in a relational manner on the ledger D / B provided on the financial system Do.

According to another embodiment of the present invention, when the online bank account attribute information includes the real account information of the web server management institution provided with the online store, the on-line account processing unit 160, The real account of the web server management institution provided with the on-line shop is processed as the parent account of the recordable account on the ledger D / B provided on the financial system, And the recordable account ledger in a relational manner.

According to another embodiment of the present invention, if the online account attribute information includes the real account information of the recordable account management institution (or financial institution), the online account processing unit 160 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.

Referring to FIG. 1, the information processing server 140 receives N (N> = 1) pieces of settlement information corresponding to N (N> = 1) pieces of deposit path information, An account number assigning unit 165 (or an account number assigning unit) for assigning a virtual account number to the record type account; and an account number assigning unit 165 for assigning N (N > = 1) And an information storage unit 175 (or an information storage unit) for storing virtual account information for each deposit path, which is obtained by linking virtual account numbers for each of the deposit paths, in association with the recordable account ledger.

Wherein the merchant is provided with a payment means corresponding to at least one payment means category, wherein, when the merchant is an online store, the customer who connects to the online store stores a payment means corresponding to the specific payment means category The settlement amount corresponding to the payment settlement may include at least one payment gateway (PG) for each settlement means corresponding to the settlement means or a settlement institution for each settlement means (for example, a financial corporation, a card company, etc.) Wherein the deposit path includes at least one payment agency for each payment means or a settlement agency for each payment means, wherein the deposit path information includes at least one of an account .

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

According to an embodiment of the present invention, it is preferable that the deposit path information includes at least one payment agency information for each payment means for depositing the settlement amount corresponding to payment of the merchant to the account of the merchant, And financial institution information of at least one or more payment means for depositing the settled amount corresponding to payment of the merchant at the merchant's account.

The account number assigning unit 165 assigns N (N > = 1) virtual account numbers for each deposit path matching the N (N > = 1) particle size path information one to one to the record type account .

According to an embodiment of the present invention, when the depositing route corresponds to the category of the payment means for card payment of the merchant, the account number assigning unit 165 assigns the payment agency (or settlement institution) ), And assigns a virtual account number to the recordable account to match one-to-one with the confirmed deposit path information.

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 merchant through the allocated virtual account number.

Alternatively, when the deposit path corresponds to a payment means category for settlement of a virtual account of the merchant, the account number assigning unit 165 assigns a payment path for each payment agency (or settlement agency) corresponding to the category of virtual account settlement means, It is preferable to confirm the information and to assign a virtual account number that matches the confirmed deposit path information to the recordable account one to one.

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 merchant through the allocated virtual account number.

Alternatively, if the deposit path corresponds to a category of a payment means for account transfer of the merchant, the account number assignment unit 165 assigns a payment path for each payment agency (or settlement agency) corresponding to the account transfer category, It is preferable to confirm the information and to assign a virtual account number that matches the confirmed deposit path information to the recordable account one to one.

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 merchant through the allocated virtual account number.

Alternatively, when the deposit path corresponds to the category of payment means for payment of the cash deposit (or non-deposit payment) of the merchant, the account number assigning unit 165 assigns the account number corresponding to the category of the cash depositing It is preferable to confirm the deposit path information for each payment agency (or settlement agency) and allocate a virtual account number for matching one-to-one with the confirmed deposit path information in the record account.

Here, the virtual account number matched with the deposit path information for each of the payment agencies (or settlement agencies) corresponding to the category of the cash depositing (or non-performing deposit) settlement means is a virtual account number corresponding to each of the cash depositing (Or a settlement institution), and then the payment agency (or settlement institution) deposits the settlement amount corresponding to settlement of the cash deposit (or non-deposit payment) of the merchant through the allocated virtual account number It is preferable to treat them.

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

(Or settlement agencies) corresponding to N (N > = 1) payment means supported by the merchant by the account number assigning unit 165 and payment path information corresponding to each of the payment agent , The information storage unit 175 associates the N (N > = 1) deposit path information with the virtual account number for each of the N (N > = 1) Generating virtual account information for each deposit path, and storing the generated virtual account information for each deposit path in association with the recordable account ledger.

1, when the accounting account information is received through the information receiving unit 145, the information processing server 140 transmits a withdrawal transaction of the recordable account (for example, a real account linked to the recordable account) A withdrawal class code generation unit 170 (or withdrawal class code generation means) for generating M (M > 1) withdrawal class codes corresponding to the account of expenditure of the accounting account information (or expenditure items of the merchant) An information storage unit 175 (or information storage means) for storing 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, And a control unit.

The withdrawal classification code includes an account for basic expenditure to be applied to most of the merchant's account in the accounting account information and an account for extended expense account to be applied according to the type and characteristics of the merchandise to be sold at the specific merchant. 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 merchant is received from the terminal device 180 through the accounting account information.

The withdrawal classification code generation unit 170 generates withdrawal classification code 170 including a basic expenditure account and an extended expenditure account for the merchant during a withdrawal transaction of the recordable account (for example, a real account linked to the recordable account) And the withdrawal classification code is preferably one-to-one matched with the expenditure account of the account information or the expenditure item of the merchant.

Those skilled in the art will appreciate that a preferred account configuration for the basic expenditure account of the accounting account and an account for the extended expenditure account applied according to the type and nature of the merchandise sold at the merchant A detailed description thereof will be omitted for the sake of convenience.

If the withdrawal classification code generation unit 170 generates an expulsion classification code corresponding to the accounting account information, the information storage unit 175 stores the generated withdrawal classification code M (M> 1) Withdrawal class code information formed by linking the withdrawal class code and each expenditure account information matched one-to-one with each other, and storing the generated withdrawal class code information in association with the recordable account ledger.

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

2 is a diagram showing an example of an online account type in which the real account information of the merchant is used as the parent account in the ledger information stored in the predetermined ledger D / B 200 provided in the DBMS on the financial system shown in FIG. 1 And shows a preferred embodiment of the recording type account ledger information corresponding to one franchise point, specifically showing the ledger information configuration corresponding to the recordable account ledger.

Those skilled in the art will be able to refer to and / or modify the drawing 2 to create a recordable account ledger information configuration in which the real account of the merchant is the parent account in the ledger D / B 200 It should be understood that 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, referring to the recordable account ledger information configuration shown in FIG. 2, the recordable account ledger information It is to be understood that the invention may be practiced otherwise than as specifically described.

2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system includes a predetermined customer ledger, a ledger associated with the customer ledger , A reception 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, In addition to the customer ledger and the account ledger shown in FIG. 2, at least one ledger (for example, a loan ledger, a collateral ledger, ...) and / or at least one for maintaining and managing the ledgers are provided in the ledger D / It will be clear to those skilled in the art that more than one additional information is included and that the detailed description thereof will be familiar to those skilled in the art, .

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 director for registering a recordable account ledger in the form of an online account, in which the actual account of the merchant is a parent account through the recordable account registration system shown in FIG. 1, It is desirable to store the information of the merchant customer ledger as the target.

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 merchant is linked to the customer ledger in a relational manner. The account ledger information includes an account number, a CIF number, a point number, a currency, an opening date, a status, a product type, an interest rate, ARS setting, final deposit date, final payment date, final deposit amount, final withdrawal amount, number of transactions without transaction, interest transfer account, balance sheet, bank account balance 1, RB balance 2, account balance, passbook number, unpaid interest, (Number of days), period (number of days), period (number of days) corresponding to the account ledger, and the like. At least one periodic reception information including at least one of an extension, an expiration date and a 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 number, a complex transaction, a due date, an account book, etc. corresponding to the account ledger Line, brief, CIF, and the like.

According to the method of the present invention, at least one real account corresponding to the franchisee is linked in a relational manner to the customer ledger of the franchisee, and at least one real account among the actual accounts of the franchisee is associated with the recordable type It is preferable to correspond to the parent account of the online account corresponding to the recordable account registered through the 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 merchant is linked in a relational manner to the recordable account ledger desirable.

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 real account of the merchant to the transaction type in a transaction format, Or contents), an account number, a transaction amount, and a remarks item.

Wherein the recordable account ledger is relationally connected 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 merchant, Recordable account information including an account number for inputting / withdrawing an amount corresponding to a financial transaction (or payment settlement) to the recordable account, and recordable account information including an account number for the account of the recordable account Deposit transaction information for processing the deposit transaction on the basis of virtual account information for each of the transfer paths registered through the recordable account registration system shown in FIG. 1 during the deposit transaction, Withdrawal transaction account registered in the recordable account registration system shown in FIG. 1, And a withdrawal operation information for allowing the withdrawal transaction to be processed by the withdrawal account, wherein the deposit account information includes merchant account number, agent information for interlocking the record account with the real account of the merchant, and CAT / ≪ / RTI > terminal information for the POS terminal.

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, The virtual account information for each deposit path is linked to the virtual account information for each deposit path that is created by linking the virtual account numbers one-to-one matched with the deposit path information. It may be stored in a separate external 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 200. For example,

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

In addition, the recordable account ledger may set a settlement corresponding to the settlement of payment of the merchant from the payment agency (or settlement agency) for each deposit route among the deposit transactions for the recordable account (or the real account linked to the recordable account) When the money is deposited, the transaction history information including the deposit transaction details made by assigning 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.

A summary of the transaction history information associated with the account ledger corresponding to the actual account of the merchant associated with the recordable account ledger (or a summary of the transaction history information associated with the account ledger associated with the recordable account ledger, if a unique number is assigned to the transaction history information correlated with the recordable account ledger And the unique number is recorded in the content item. The real account transaction history and the recordable account transaction history are matched in a one-to-one (or one-to-many) manner through the unique number.

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

FIG. 3 shows detailed information of the ledger information stored in the predetermined ledger D / B 300 provided in the DBMS on the financial system shown in FIG. 1, when the merchant stores the online store, A recordable account ledger corresponding to a merchant who entered the open market of a large Internet shopping mall, and a recordable account ledger corresponding to a merchant registered in the open market of a large Internet shopping mall, Lt; RTI ID = 0.0 > information. ≪ / RTI >

Those skilled in the art will be able to refer to and / or modify the FIG. 3 to record in the ledger D / B 300 (300) the actual account of the web server management institution as the parent account It should be understood that the present invention is not limited to the method shown in FIG. 3 but includes all of the above-described embodiments.

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.

3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 300 (300) provided in the DBMS on the financial system includes a predetermined customer ledger, an account linked to the customer ledger The DBMS of the financial system includes at least one information related to the ledger (for example, a reception ledger, a loan ledger, etc.) and the account ledger. However, (For example, a loan ledger, a collateral ledger, ...) other than the customer ledger and the account ledger shown in FIG. 3 and / or the maintenance and management of the ledgers shown in FIG. 3 in the ledger D / It is to be understood that there is further included at least one additional information for the convenience of the user and that the detailed description thereof is well understood, Omitted.

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

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

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

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

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

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

The account ledger corresponding to the online store associates the transaction history information storing the transaction details corresponding to the deposit transaction or the withdrawal transaction corresponding to the actual account of the online store in a relational manner, , Transaction date, brief (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, The virtual account information for each deposit path is associated with the virtual account information for each deposit path obtained by linking the deposit account information and the virtual account number matched one by one with the deposit path information, 300), it may be stored in a separate external 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 300 (300).

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.

In more detail, FIG. 4 illustrates a case where a recordable account registration server shown in FIG. 1 provides a recordable account application user interface to the terminal device, (Or selects) recordable account application information to provide the recordable account registration information to the recordable account registration server through a predetermined network means, and the recordable account registration information is transmitted to the recordable account registration server through the predetermined communication means, The present invention relates to a process for providing a recordable account registration server to an information processing server provided in an organization, and it is a person skilled in the art to refer to and / Various methods of providing the recordable account application information to the information processing server can be inferred However, the present invention encompasses all of the above-described embodiments and is not limited by the method shown in FIG.

For example, in FIG. 4, the terminal device provides only the recordable account application information to the recordable account registration server. However, if the recordable account registration server is provided with the recordable account application server, It is possible to deduce an operation method for providing online account attribute information in addition to the recordable account application information in the terminal device corresponding to a user interface provided to the terminal device by the account registration server. An online account attribute information, and the present invention is not limited thereto.

In addition, the person skilled in the art will recognize that, in response to the security function provided in the communication means for connecting the recordable account registration server and the information processing server, Encrypts and transmits the account application information (or the recordable account application information and the recordable account security information, the online account attribute information, or the accounting account information), and the information processing server transmits the recordable account application information It is possible to deduce an execution method for decrypting the account information, the account application information, the recordable account security information, the online account attribute information, or the accounting account information). However, the present invention includes the above- Is not limited.

Referring to FIG. 4, the terminal device shown in FIG. 1 accesses the recordable account registration server through network means including at least one wired communication network (or wireless communication network) (400) At least one web-based service provided by the server is used (405). At this time, on the web-based service screen provided from the recordable account registration server to the terminal device, a predetermined recordable account application Preferably, a menu interface requesting a user interface is included.

Therefore, while the at least one web-based service is provided to the terminal apparatus as described above, the recordable account registration server may transmit the recordable account application user interface to a predetermined recordable type for registering the recordable account from the terminal apparatus If the recordable account registration interface is requested 415 from the terminal device, the recordable account registration server periodically checks whether an account application user interface is requested, (420) an account application user interface (or a predetermined web source D / B (not shown)) (420), and provides the recordable account application user interface to the customer terminal through the network means (425).

Thereafter, the terminal device inputs (or selects) the predetermined recordable account application information through the recordable account application user interface (430). The recordable account application information includes at least one or more Record-type account selection information for selecting a 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 transmits the recordable account application information to the recordable account registration server through the network means (435).

Thereafter, the recordable account registration server 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) / B < / RTI > (440).

According to another embodiment of the present invention, the step of storing the recordable account application information in the recordable account D / B is performed between the recordable account registration server (or online store) and the information processing server The present invention is not limited thereto.

Thereafter, the recordable account registration server transmits 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 information) to the information processing server through a predetermined communication means (445), and the information processing server transmits the recordable account application information (or the recordable account application information and recordable account security information, or the recordable account application information) provided from the recordable account registration server through the communication means Online account attribute information, or accounting account information) (450).

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

In more detail, FIG. 5 illustrates a case where the recordable account registration server shown in FIG. 1 provides a recordable account application user interface to the terminal device, (Or selects) and encrypts record-type account application information to provide the record-type account registration information to the record-type account registration server through a predetermined network means, decrypts the recordable account application information at the record- To the information processing server provided in the financial institution, the recording type account application information is provided to the financial institution through the intermediary of the financial institution. As a person skilled in the art to which the present invention pertains, To the information processing server through the recordable account registration server in the terminal device, It will be understood that the present invention is not limited by the embodiment shown in FIG.

For example, in FIG. 5, the terminal device provides only the recordable account application information to the recordable account registration server. However, if a person skilled in the art is familiar with the present invention, It is possible to deduce an operation method for providing online account attribute information in addition to the recordable account application information in the terminal device corresponding to a user interface provided to the terminal device by the account registration server. An online account attribute information, and the present invention is not limited thereto.

In addition, the person skilled in the art will recognize that, in response to the security function provided in the communication means for connecting the recordable account registration server and the information processing server, Encrypts and transmits the account application information (or the recordable account application information and the recordable account security information, the online account attribute information, or the accounting account information), and the information processing server transmits the recordable account application information It is possible to deduce an execution method for decrypting the account information, the account application information, the recordable account security information, the online account attribute information, or the accounting account information). However, the present invention includes the above- Is not limited.

Referring to FIG. 5, the terminal device shown in FIG. 1 accesses the recordable account registration server through network means including at least one wired communication network (or wireless communication network) (500) At least one web-based service provided by the server is used (505). At this time, on the web-based service screen provided from the recordable account registration server to the terminal device, a predetermined recordable account application Preferably, a menu interface requesting a user interface is included.

Therefore, while the at least one web-based service is provided to the terminal apparatus as described above, the recordable account registration server may transmit the recordable account application user interface to a predetermined recordable type for registering the recordable account from the terminal apparatus The recordable account registration server periodically checks whether an account application user interface is requested (510). If the recordable account application interface is requested from the terminal device (515), the recordable account registration server records a predetermined record (Or extracted from a predetermined web source D / B (not shown)) (520), and provides the recordable account application user interface to the customer terminal through the network means (525) .

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 by a predetermined encryption method and / And attaching an electronic signature of the merchant customer to the recordable account application. The security program may be in the form of a security program linked with the recordable account application user interface. In this case, And at least one encryption key for encrypting the 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.

Thereafter, the terminal device inputs (or selects) the predetermined recordable account application information through the recordable account application user interface (530). The recordable account application information includes at least one record At least one of record-type account selection information for selecting a 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 encrypts the record type account application information according to a predetermined encryption method through a security function provided in the recordable account application user interface (E. G., Attaching the electronic signature of the merchant customer to the recordable account application information) and transmits the encrypted recordable account application information to the recordable account registration server through the network means (540) .

The recordable account registration server, which has received the encrypted record account application information via the network means, decrypts the recordable account application information using a decryption method corresponding to the encryption method (545), and decrypts the decrypted recordable account application information (550) the account application information (or the recordable account application information and the recordable account security information, the online account attribute information, or the accounting account information) in a predetermined recordable account D / B.

According to another embodiment of the present invention, the step of storing the recordable account application information in the recordable account D / B is performed between the recordable account registration server (or online store) and the information processing server The present invention is not limited thereto.

Thereafter, the recordable account registration server transmits the recordable account application information (or the recordable account application information and the recordable account security information, the online account attribute information, or the accounting account (550), and the information processing server transmits the recordable account application information (or the recordable account application information and the recorded account security information, or the online account security information) provided from the recordable account registration server through the communication means Account attribute information, or accounting account information) (555).

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 of a case where the information processing server shown in FIG. 1 opens a recordable account based on recordable account application information provided from the recordable account registration server, And an online account in which a real account to be operated is a parent account. As a person skilled in the art, referring to and / or modifying FIG. 6, the information processing It is possible to conceive various methods of processing the record account based on the recordable account application information provided to the server into an online account using the account account operated by the merchant account as the parent account on the basis of the recordable account application information. Method, and 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 to the information processing server. However, if a person skilled in the art is familiar with the present invention, The online account attribute information may be provided to the information processing server in addition to the account application information. However, the present invention includes a method of providing the online account attribute information to the information processing server, The present invention is not limited thereto.

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

Referring to FIG. 6, through the process shown in FIG. 4 and / or FIG. 5, the recordable account registration server shown in FIG. 1 transmits the predetermined recordable account application information (or the recordable account application information The recordable account security information, the online account attribute information, or the accounting account information), the server transmits the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, 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 the recordable account registration server to the recordable account registration server (610) The account registration server transmits the account opening error information to the terminal device 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 real account in which the recordable account is operated by the merchant in connection with the financial system as an online account using the real account (625).

If the recordable account is processed as an online account that uses the real account operated by the merchant as the parent account, the server obtains N (N > = 1) pieces of particle diameter route information to which the settlement amount corresponding to payment of the merchant is deposited (N > = 1) number of virtual account numbers matching one-to-one with each other are allocated to the recordable account (630), and the N Virtual account information for each transfer path formed by linking the virtual account numbers for each transfer path is generated (635), and the virtual account information for each transfer path is stored 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 merchant account) during the withdrawal transaction of the recordable account (for example, the real account linked with the recordable account) (M > 1) number of withdrawal classification codes corresponding to M (M > 1) number of withdrawal classification codes are created (645), and the withdrawal classification code information created by associating the generated withdrawal classification codes with the respective expenditure account information is generated (650), and stores the withdrawal classification code information in association with the recordable account ledger (655).

Thereafter, when the recordable account is processed as an online account having the actual account operated by the merchant as the mother account, the server transmits the recordable account information to the recordable account registration server shown in FIG. 1 (660). In response, the recordable account registration server further stores the recordable account information in the recordable account issuance information stored in the recordable account D / B (665).

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

More specifically, FIG. 7 shows, after payment processing by the merchant, payment agency server 735 (or settlement institution server 740) corresponding to the payment path for each payment means corresponding to the payment, If the deposit schedule information for the settlement amount corresponding to the payment of the merchant is transmitted through the virtual account number for each deposit path allocated to the recordable account through the recordable account registration system, The recordable account management server 700 generates a deposit schedule record in which a predetermined unique number is assigned to the received deposit schedule information and stores it in the transaction history information associated with the recordable account ledger. Specifically, if the recordable account ledger registered through the recordable account registration system shown in FIG. 1 is the recordable account ledger shown in FIG. 2 , Shows an exemplary method of storing a history including the payment is scheduled payment schedule information and unique number in the transaction history information associated with the write-account ledger if they include.

A person skilled in the art will be able to refer to and / or modify the FIG. 7 to create a recordable account in a recordable account ledger to automatically generate accounting information related to the deposit of the merchant It should be understood that the present invention is not limited to the above-described embodiments, and various changes and modifications may be made without departing from the scope of the present invention.

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

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

Referring to FIG. 7, the recordable account management system for storing the deposit plan details in the recordable account ledger to automatically generate the deposit-related account data of the merchant stores the payment account settlement system, (Or the settlement institution server 740) corresponding to a deposit path for each of at least one settlement means for transferring the settlement amount information corresponding to the settlement amount corresponding to the settlement amount corresponding to the account type (Or settlement institution server 740), and is connected to the financial system through a financial network (for example, an on-site network) From the separate payment agency server 735 (or the settlement institution server 740), the virtual account number corresponding to the corresponding deposit path, the client settlement means information, the settlement date information, The settlement schedule information including at least one of the settlement schedule information and the settlement date and time information, generates a deposit schedule history in which a predetermined unique number is assigned to the deposit schedule information, And a recordable account management server (700) for storing the account details in transaction history information associated with the recordable account ledger.

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

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

The payment agent server 735 includes a payment processing server provided in a payment agency corresponding to at least one payment means provided in the merchant, when the payment of the merchant is performed through at least one payment agent .

If payment settlement made through the payment agency includes a settlement type payment process such as credit card settlement (or an escrow based virtual account settlement), the payment agency server 735 transmits the payment settlement request to the communication network The settlement amount corresponding to the credit card settlement (or the escrow-based virtual account settlement) approval is calculated by the recordable account management server 700, the calculated settlement amount is processed as the deposit amount, The settlement schedule information including at least one or more virtual account numbers corresponding to the payment agency (or a deposit path), customer settlement means information, settlement date information, To the operation server (700).

When the payment of the merchant is directly performed through a settlement institution (for example, a credit card company, a financial corporation, etc.) corresponding to at least one payment means provided in the merchant, the settlement institution server 740 transmits at least one And a settlement processing server provided in a settlement institution corresponding to the settlement means.

If the settlement made through the settlement institution is a settlement type settlement process such as a credit card settlement (or an escrow-based virtual account settlement), the settlement institution server 740 notifies the payment settlement process The recordable account management server 700 calculates a settlement amount corresponding to approval of the credit card settlement (or an escrow-based virtual account settlement), processes the calculated settlement amount as a deposit amount, The deposit account information including at least one of a virtual account number corresponding to an agency (or a deposit path), customer settlement means information, settlement date and time information, (700).

Referring to FIG. 7, the recordable account management server 700 includes a communication server 700 for receiving payment schedule information from at least one payment path agent server 735 (or a payment agent server 740) And an interface unit 705 for connecting and managing channels.

The interface unit 705 connects the communication channel for receiving the deposit schedule information according to the communication protocol corresponding to the payment agent server 735 (or the settlement agency server 740) for each deposit path through the communication network Wherein the communication protocol structure includes at least one of a virtual account number field, a customer settlement means information field, a settlement date information field, a deposit amount information field, and a deposit date and time information field .

Referring to FIG. 7, the recordable account management server 700 is connected to the interface unit 705 and receives the payment from the payment agency server 735 (or the settlement agency server 740) An information receiving unit 710 (or information receiving means) for receiving deposit schedule information including at least one of a virtual account number corresponding to the route, customer settlement means information, settlement date information, An information confirming unit 715 (or information confirming means) for confirming a depositing route corresponding to the virtual account number included in the deposit schedule information in association with the financial system, and a unique number corresponding to the confirmed depositing route A unique number assigning unit 720 (or a means for assigning a unique number) for generating a transferring schedule including the unique number in the transfer schedule information, Will be the generated payment schedule history characterized in that formed by having the deposit will history storage unit 725 (or the deposit will history storage means) for storing a transaction history information associated with the write-account ledger.

The payment agency server 735 (or the settlement agency server 740) is connected to the payment agency server 735 (or the settlement agency server 740) through the interface unit 705 after the communication channel is connected to the payment agency server 735 ), The information receiving unit 710 transmits at least one payment agent server 735 (corresponding to the payment path) corresponding to the settlement type payment of the merchant in connection with the interface unit 705 Or the settlement institution server 740) receives the deposit schedule information including at least one of the virtual account number corresponding to the deposit route, the customer settlement means information, the settlement date information, the deposit planned amount information, .

Here, the virtual account number corresponding to the deposit path is the virtual account number assigned to each payment agency server 735 (or the settlement institution server 740) by the deposit path through the recordable account registration system shown in FIG. 1 Number is preferably included.

The customer payment means information includes credit card payment means information (or escrow-based virtual payment information) processed in the post-settlement type through the payment agent server 735 (or settlement agency server 740) corresponding to the deposit path at the merchant And account settlement means information).

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

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

The deposit date and time information is information indicating whether or not the settlement amount corresponding to the payment settlement according to the post-settlement type payment process corresponding to the customer payment means is the date and time when the settlement amount corresponding to the payment settlement is deposited in the recordable account And the like.

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

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

When the payment schedule information is received from the payment agency server 735 (or the settlement institution server 740) by the payment receiver 710 through the payment path, the information checking unit 715 checks the virtual account And confirms the deposit path corresponding to the virtual account number included in the deposit schedule information in association with the financial system for storing the information.

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

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

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

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

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

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

More specifically, FIG. 8 shows the recordable account registration system shown in FIG. 1 at a payment agency server (or settlement agency server) corresponding to a deposit path for each payment means corresponding to the payment settlement, When the transfer schedule information for the settlement amount corresponding to the payment of the merchant is transmitted through the virtual account number for each transfer path allocated to the recordable account through the system for storing the transfer schedule details shown in Figure 7 Generating a deposit schedule history in which a predetermined unique number is allocated to the received deposit schedule information in the recordable account management server, and storing the generated deposit schedule in the transaction history information associated with the recordable account ledger; Those skilled in the art will be able to refer to and / or modify the FIG. 8 to obtain accounting information relating to the deposit of the merchant The present invention can be applied to all of the above-described embodiments, and it is to be understood that the present invention is not limited to the embodiments shown in the drawings The technical features are not limited by the method alone.

Hereinafter, in FIG. 8, a payment agency server (or settlement agency server) for each deposit route on the system for storing the deposit schedule details shown in FIG. 7 is referred to as a "depositing server" for convenience and the recordable account management server is referred to as " Quot; server ".

Referring to FIG. 8, after the payment transaction of the merchant, the depositing server corresponding to the depositing route for each settlement means corresponding to the payment settlement registers the recordable account registration (800) a payment schedule information including at least one or more virtual account numbers, payment means information, settlement date information, depositing plan amount information, and deposit scheduled date information, which are allocated to the recordable account through the system, , And transmits the created deposit schedule information through a communication network, the server receives the deposit schedule information transmitted from the depositing server via the communication network (805).

The server receiving the deposit schedule information confirms the deposit path information corresponding to the deposit schedule information in association with the financial system (810).

If the deposit path information is not confirmed (815), the server generates unconfirmed deposit path information corresponding to the deposit schedule information and registers the unconfirmed deposit path information in virtual account information for each deposit path associated with the recordable account ledger (820) , And assigns a unique number that is not duplicated to the deposit schedule information (825).

If the deposit information is confirmed (815), the server assigns a unique ID that does not overlap with the confirmed deposit information to the deposit information (825).

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 details item of a real account linked to the recordable account.

Thereafter, the server generates a deposit schedule containing the unique number and deposit path information (830), and stores the deposit schedule details in the transaction details information associated with the recordable account ledger in connection with the financial system (835).

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

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

In more detail, FIG. 9 is a flow chart showing a transaction history information associated with the recordable account ledger through a system for storing the deposit schedule details shown in FIG. 7, including a virtual account number, a payment means information, (Or the settlement institution server 940) from the payment agency server 935 (or the settlement institution server 940) after storing the deposit schedule details including the deposit schedule information including the at least one of the planned deposit amount information and the expected date and time information, When the settlement amount corresponding to the deposit amount is deposited through the virtual account number for each route, the recordable account management server 900 provided on the recordable account management system deposits the deposit account corresponding to the deposit account virtual account number And the deposit transaction information corresponding to the deposit transaction is added to the deposit schedule, And stores the unique number contained in the deposit transaction history in the summary (or content) item of the transaction history item of the real account linked to the recordable account by storing the unique number included in the deposit transaction history in the transaction history information associated with the recordable account ledger Specifically, when the recordable account ledger registered through the recordable account registration system shown in FIG. 1 includes the recordable account ledger configuration shown in FIG. 2, the recordable account ledger And stores the deposit transaction details including the unique number in the linked transaction history information, and stores the unique number included in the deposit transaction history in the summary (or content) item of the transaction history item of the real account linked to the recordable account And the transaction details of the recordable account and the transaction details of the real account are linked with each other.

Those skilled in the art will be able to refer to and / or modify the FIG. 9 to provide various embodiments of a recordable account management system configuration for automatically generating accounting information related to deposits at the merchant However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the actual method shown in FIG.

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

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

Referring to FIG. 9, the recordable account management system for automatically generating depositing accounting data of the merchant stores a transaction history associated with the recordable account ledger through a system for storing the deposit plan details shown in FIG. 7 Information is stored in the information including the virtual account number by the transfer route, the customer payment means information, the settlement date information, the transfer schedule amount information, and the transfer schedule date information, The payment agency server 935 (or the payment agent server 935) for depositing the settlement amount corresponding to the amount of money to be deposited included in the deposit schedule shown in FIG. 7 through the network (or the financial common network) A payment system server 940), a financial system having the recordable account ledger shown in FIG. 2, and the payment agency server 935 When the settlement amount corresponding to the deposit scheduled amount is deposited through the virtual account number for each deposit path from the institution server 940, the deposit schedule record corresponding to the virtual account number for each deposit path is confirmed Storing the deposit transaction history in which the deposit transaction information corresponding to the deposit transaction is added to the deposit schedule history in the transaction history information associated with the recordable account ledger, And a recordable account management server (900) for storing the record in the account (or content) item of the transaction details item of the real account linked to the recordable account.

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

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

If the payment of the merchant is made through at least one payment agency, the payment agent server 935 may be provided to the financial institution in which the recordable account is established in response to the settlement process of the payment means corresponding to the payment A face-to-face / non-face-to-face financial transaction means, or a face-to-face / non-face-to-face type financial transaction means provided to other financial institutions other than the financial institution in which the record- The settlement amount corresponding to the amount of money to be deposited included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit path.

When the payment of the merchant is directly performed through a settlement institution (for example, a credit card company, a financial company, etc.) corresponding to at least one payment means provided in the merchant, the settlement institution server 940 transmits the payment A financial network including a face-to-face / face-to-face type financial transaction means provided in a financial institution in which the recordable account is established in response to the post-settlement process of the means, or a financial institution other than the financial institution in which the record- The settlement amount corresponding to the amount of money to be deposited included in the deposit schedule shown in FIG. 7 through the financial common network including the face-to-face / non-face-to-face financial transaction means, And the deposit process is performed.

Referring to FIG. 9, the recordable account management server 900 is connected to a financial network (or financial institution) by a payment agency server 935 (or a settlement agency server 940) 7) for confirming whether the settlement amount corresponding to the amount to be deposited included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit route (or a deposit transaction An information checking unit 910 (or information checking means) for checking the deposit transaction information including the virtual account number corresponding to the deposit transaction, the deposit date information, and the deposit amount information when confirming the deposit transaction, (915) for checking the details of the deposit schedule matching the deposit transaction information from the transaction history information associated with the recordable account ledger in connection with the financial system A deposit transaction history storage unit 920 (or a deposit history transaction storage unit) for storing the deposit transaction history, which is obtained by adding the deposit transaction information to the confirmed deposit schedule, in transaction history information associated with the recordable account ledger When the money transferred from the virtual account number per the deposit path is transferred to the real account linked with the recordable account, the item (s) of transaction details of the real account And a transaction history storage unit 925 (or transaction history storage means) for recording a unique number assigned to the deposit transaction details.

The deposit transaction confirmation unit 905 associates with the financial system that stores the recordable account ledger (or the account ledger corresponding to the real account linked to the recordable account through the unique number assigned to the deposit schedule) (Or a financial joint network) from the payment agent server 935 (or the settlement institution server 940) for each deposit path to correspond to the deposit amount included in the deposit schedule details shown in FIG. 7 Is confirmed to be deposited through the virtual account number per the deposit route.

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

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

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

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

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

When the money deposited through the virtual account number per the deposit path is transferred to a real account linked to the recordable account, the transaction history storage unit 925 stores the transaction history item of the real account in association with the financial system The transaction history of the recordable account and the transaction history of the real account are recorded in a one-to-one (or one-to-many) manner through the unique number. ) Method.

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

In more detail, in FIG. 10, in the system for storing the deposit schedule details shown in FIG. 7, transaction history information associated with the recordable account ledger is stored in the deposit schedule history storage process shown in FIG. And the deposit schedule information including the deposit schedule information, and then, from the payment agency server (or settlement agency server) through the recordable account management system shown in FIG. 9, When the settlement amount corresponding to the planned amount is deposited, the recordable account management server provided on the recordable account management system checks the deposit schedule details corresponding to the virtual account number for each deposit path, The deposit transaction detail made by adding the deposit transaction information corresponding to the deposit transaction to the recordable account ledger And storing the unique number included in the deposit transaction details in the detail (or content) item of the transaction details item of the real account linked to the recordable account. The present invention is not limited to the technical field It is possible to refer to and / or modify the drawing 10 to various methods of storing the transfer schedule details in the recordable account ledger in order to automatically generate the deposit-related accounting data of the merchant However, the present invention is not limited to the technical features of the present invention.

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

Referring to FIG. 10, in the system for storing deposit details shown in FIG. 7, transaction history information associated with the recordable account ledger is stored in the deposit account history storage process shown in FIG. 8, (Or a settlement institution server) for at least one settlement route in cooperation with the financial system after storing the deposit plan history including the deposit schedule information, It is checked whether the settlement amount corresponding to the deposit amount included in the deposit schedule shown in FIG. 7 is deposited through the virtual account number for each deposit path (1000).

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

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

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

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

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

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

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

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

FIG. 11 is a diagram illustrating a configuration of a loan service operating system according to an embodiment of the present invention.

In more detail, FIG. 11 is a flowchart illustrating a process of storing the deposit schedule details including the unique number in the transaction history information associated with the recordable account ledger through the system for storing the deposit schedule shown in FIG. 7, If the deposit transaction history including the unique number is stored in the transaction history information associated with the recordable account ledger through the recordable account management system shown in FIG. 9, the deposit account history, the withdrawal history, (A combination of a credit loan and a collateral loan) by checking at least one of the account balance, the account balance, and the deposit schedule, and specifically, a system configuration for processing the recordable account registration When the recordable account ledger registered through the system includes the recordable account ledger configuration shown in FIG. 2, Based on the locking type account ledger shows an exemplary method to process a loan application is requested by the merchant terminal 1180.

A lending service operating system capable of processing a loan by confirming the input / withdrawal history, the account balance, and the amount of money to be deposited by referring to and / or modifying the drawing 11 if the person skilled in the art is familiar with the present invention It is to be understood that the present invention is not limited to the above-described embodiments, and that various changes and modifications may be made without departing from the scope of the present invention.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 11 to find out, in addition to the recordable account ledger shown in FIG. 2, the recordable account ledger Or other recordable account ledger omitted for convenience in the present invention), the present invention may include all the above-mentioned methods of inferring from the above merchant terminal 1180 This is clearly made clear.

11, the lending process is illustrated as being performed through a financial institution in which the recordable account is established. However, if the person skilled in the art is familiar with the present invention, It is possible to deduce an implementation method in which the loan processing is performed through the third lending institution in addition to the financial institution, and the present invention includes all of the above-described embodiments.

Referring to FIG. 11, the lending service operating system for lending includes a merchant terminal 1180 requesting a loan, a financial system having a recordable account ledger shown in FIG. 2, and a merchant terminal 1180, (Or an average balance), or an amount of money to be deposited that has not been deposited at the time of application of the loan, in association with the financial system, at least one of a deposit history, a withdrawal history, an account balance And a lending service operating server 1100 for executing a credit lending, a secured lending, or a combined lending on the basis thereof.

In FIG. 11, the loan service operation server 1100 is shown as a single server for the sake of convenience. However, the present invention is not limited thereto, and the loan service operation server 1100 may include a plurality of (Or a device) can be implemented through a server (or a device). In this case, a plurality of servers (or devices) may be implemented in different institutions (for example, a financial institution in which a recordable account is opened and a lending institution that performs the deposit- As will be apparent from the following description. Further, the recording type account management server of FIG. 1, the record type account management server of FIG. 7, the server separately provided from the record type account management server of FIG. 9, or the same server may be used.

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

Referring to FIG. 11, the loan service operating server 1100 includes an interface unit 1105 for connecting and managing a communication channel for transmitting and receiving a loan approval request message for requesting a loan from the merchant terminal 1180 .

In a case where the merchant terminal 1180 includes a wired terminal connected to a predetermined wired communication network according to an embodiment of the present invention, the interface 1105 transmits the wired terminal to the merchant terminal (Or loan approval request information) with the wired terminal using a communication protocol defined in a browser program included in the merchant terminal 1180, It is desirable to provide a communication interface.

For example, when the merchant terminal 1180 is provided with a browser program corresponding to the HTTP (Hyper-Text Transfer Protocol) protocol, the interface unit 1105 transmits the browser program to the merchant terminal 1180 (E.g., a Hyper-Text Markup Language (HTML) compatible web page) for connecting to a communication channel and receiving (or exchanging) the loan approval request message using the HTTP protocol defined in the browser program, / RTI > and / or < / RTI > information (or data).

Alternatively, if the merchant terminal 1180 is provided with a financial transaction program using a recordable account directly linked to the lending service operating server 1100, the interface unit 1105 may transmit the financial transaction program, (Or credit approval request information) using a communication protocol defined in a financial transaction program using the recordable account by connecting a communication channel with the merchant terminal 1180. [

According to another embodiment of the present invention, when the merchant terminal 1180 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1105 may receive the merchant terminal 1180 based on the protocol stack defined in the wireless communication network It is preferable to provide a communication interface for connecting the terminal 1180 with a predetermined communication channel and transmitting and receiving the loan approval request message using a communication protocol defined in a browser program provided in the merchant terminal 1180. [

For example, when the merchant terminal 1180 is provided with a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol, the interface unit 1105 transmits, A predetermined web page (e.g., WML (Wireless Markup Language (WML)) for connecting the merchant terminal 1180 with a communication channel and receiving (or exchanging) the loan approval request message using the WAP / ME protocol defined in the browser program. ) Compatible web pages, or HTML compatible web pages) and / or information (or data).

Alternatively, if a financial transaction program using a recordable account directly linked to the lending service operating server 1100 is provided to the merchant terminal 1180, the interface unit 1105 transmits the financial transaction program to the lending service management server 1100, based on the CDMA / WCDMA protocol. And a communication interface for connecting the merchant terminal 1180 with a communication channel and transmitting and receiving the loan approval request message using a communication protocol defined in a financial transaction program using the recordable account.

According to another embodiment of the present invention, the merchant terminal 1180 may be connected to a Value Added Network (VAN) and may be a Credit Authorization Terminal (CAT) for processing payment based on a credit card or a check card, and / Or a POS (Point of Sales) terminal, the interface unit 1105 connects a predetermined communication channel with the merchant terminal 1180 based on the protocol stack defined in the value-added communication network, 1180) for transmitting and receiving the loan approval request message using the communication protocol defined in the browser program.

Those skilled in the art will appreciate the technical characteristics of the method and process of transmitting / receiving information (or specialty) by connecting to the CAT terminal or the POS terminal by communication. Therefore, The detailed description will be omitted for convenience.

Referring to FIG. 11, the loan service operation server 1100 connects a predetermined communication channel with the loan service operation server 1100 through a predetermined merchant terminal 1180 via the interface unit 1105 (Or selects) the predetermined lending application information from the merchant terminal 1180 and transmits the lending application information to the lending service operating server 1100 at least (Or extracts) at least one user interface and provides an interface screen including the created (or extracted) user interface to the merchant terminal 1180 in association with the interface unit 1105 (Or selects) predetermined loan application information from the merchant terminal 1180 through the user interface included in the interface screen (Or loan approval request information) transmitted from the merchant terminal 1180 in association with the interface unit 1105 when the generated loan approval request message (or loan approval request information) is transmitted through the communication channel, And a loan validation confirmation unit 1115 for confirming whether the loan approval request message (or loan approval request information) received through the expert reception unit 1115 satisfies the validity for the loan application 1120). ≪ / RTI >

The interface providing unit 1110 may be configured such that when a predetermined merchant terminal 1180 is connected to the lending service operating server 1100 in cooperation with the interface unit 1105, (Or selects) the loan application information and generates a predetermined user interface that can be transmitted to the loan service operation server 1100 through the communication network and / or extracts from the predetermined database (not shown) , And provides an interface screen including at least one user interface created (or extracted) through the communication network in cooperation with the interface unit 1105 to the merchant terminal 1180.

Then, the merchant terminal 1180 inputs (or selects) the loan application information on the basis of the user interface included in the interface screen, and transmits a loan approval request based on the inputted (or selected) (Or loan approval request information) and transmits it to the loan service operation server 1100 through the communication network.

Of course, if the franchise terminal 1180 is provided with a function for generating and outputting a user interface for inputting (or selecting) the loan application information, the corresponding function configuration of the franchise terminal 1180 may be the loan service The function of the interface providing unit 1110 of the operating server 1100 may be substituted.

According to an embodiment of the present invention, when the merchant terminal 1180 includes a wired terminal connected to a predetermined wired communication network, the interface provider 1110 may provide the merchant terminal 1180 (Or extracts) a predetermined user interface that can be provided by a browser program and / or a browser program and generates an interface screen including at least one user interface created / extracted in association with the interface unit 1105 To the merchant terminal (1180).

According to another embodiment of the present invention, when the merchant terminal 1180 includes a wireless terminal connected to a predetermined wireless communication network, the interface provider 1110 transmits the credit request to the merchant terminal 1180 (Or extracts) a predetermined user interface that can be provided by a provided browser program and / or a browser program, and generates an interface screen including at least one user interface created / extracted in association with the interface unit 1105 To the merchant terminal (1180).

According to another embodiment of the present invention, the merchant terminal 1180 may be connected to a financial automation device (for example, an automatic teller machine (ATM) or a cash dispenser (cash dispenser) CD), the interface providing unit 1110 generates (or extracts) a predetermined user interface that can be provided as a browser program provided in the financial automation apparatus for the loan application, and transmits the generated user interface to the interface unit 1105 And providing an interface screen including at least one user interface generated (or extracted) to the automated teller machine.

According to another embodiment of the present invention, when the merchant terminal 1180 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1110 transmits (Or extracts) a predetermined voice message that can be provided by a call terminal (not shown), and transmits the generated voice message (or an automatic response based user interface) through the interface unit 1105 to the call (Not shown).

According to another embodiment of the present invention, when the merchant terminal 1180 is a wired terminal (or bidirectional digital TV) connected to a TV banking system, the interface provider 1110 transmits the wired terminal (Or extracts) a predetermined user interface capable of being provided to the terminal (or the bidirectional digital TV), and transmits an interface screen including at least one user interface generated (or extracted) through the interface 1105 to the wired terminal (Or bi-directional digital TV).

According to another embodiment of the present invention, when the merchant terminal 1180 is a CAT terminal or a POS terminal provided at an affiliate store for card settlement, the interface providing unit 1110 transmits the CAT terminal or the CAT terminal (Or extracts) a predetermined user interface that can be provided to the POS terminal and transmits an interface screen including at least one user interface generated (or extracted) through the interface unit 1105 to the CAT terminal or the POS terminal .

According to another embodiment of the present invention, when the merchant terminal 1180 is provided with a predetermined browser program having at least one user interface for applying for the loan, A function of providing an interface screen including at least one user interface for requesting the loan to the user 1180 may be omitted, and thus the present invention is not limited thereto.

Then, the merchant terminal 1180 inputs (or selects) the loan application information through at least one or more user interfaces included in the interface screen, and performs a loan approval based on the inputted (or selected) (Or loan approval request information) to the lending service operating server 1100 through the communication network. In response to the request, the professional receiving unit 1115 transmits the request message to the lending service terminal 1100 in cooperation with the interface unit 1105, And receives the loan approval request message transmitted from the loan approval request message 1180.

Here, the loan approval request message (or the loan approval request message) may include the merchant information (or terminal information) and the recordable account information, and may include information on loan application amount information, loan term information, Application information, loan condition information, and the like. In addition, it may further include password information for security. Then, the server may check whether the merchant information (or terminal information) and the password information are matched with each other and authenticate the application for a loan.

The merchant information (or terminal information) may include merchant information (or merchant store information) in which the recordable account is registered (or opened) through the recordable account registration system shown in FIG. 1, Is preferably matched with a portion of the information stored in the merchant customer ledger associated with the recordable account ledger. The merchant information (or terminal information) may include terminal information (CAT / POS terminal information) provided at the merchant for requesting a loan, and the terminal information may include merchant information associated with the recordable account ledger It is desirable to match some of the information stored in the customer ledger.

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

The loan condition information may include one of condition information such as a credit loan, a secured loan, or a combination loan of a credit loan and a secured loan as the condition information for receiving a loan at the merchant. Of course, if the loan approval request message transmitted from the merchant terminal 1180 does not include the loan condition information, the loan service operation server 1100 processes the loan in the arbitrary loan condition among the credit loan, the secured loan, and the combined loan Or the credit loan, the secured loan, and the combined loan are sequentially checked according to the set priorities and the applicable loan conditions are determined.

The loan validation confirmation unit 1120 checks whether the loan approval request message (or loan approval request information) received through the professional reception unit 1115 satisfies the validity of the loan application in connection with a predetermined financial system .

According to the embodiment of the present invention, the loan validation check for the loan approval request message (or the loan approval request information) is made by adding the loan approval request message (or loan approval request message) to the ledger D / B 1175 The recordable account ledger corresponding to the recordable account contained in the recordable account ledger is registered.

In addition, the loan validity check for the loan approval request message (or the loan approval request information) may be made by checking the transaction history information associated with the recordable account ledger stored in the ledger D / B 1175 in the financial system And reading the deposit transaction history to check whether the merchant is normally operating.

Referring to FIG. 11, the lending service operating server 1100, in connection with the financial system, records information such as deposit details, withdrawal details, account balance, and deposit details recorded in the merchant account ledger or recordable account ledger A deposit amount calculation unit 1125 (or a loan amount calculation unit) for calculating a loan amount based on the amount of money to be deposited, and a withdrawal transaction lock for the amount of money to be deposited included in at least one or more deposit details included in the calculation of the loan amount (Or recordable account lock setting means) for recording the calculated loan amount to the recording type account (or a real account linked to the record type account), and a loan processing unit 1135 ) (Or a loan processing means).

The loan approval request message including the merchant information and the recordable account information is received from the merchant terminal 1180 through the professional reception unit 1115 and the loan validation confirmation unit 1120 receives the loan approval request message The loan amount calculation unit 1125 calculates the amount of the withdrawal of the withdrawal request, the withdrawal amount, the account balance, and the payment history recorded in the account ledger or the recordable account ledger To determine the terms of the loan and / or to calculate the amount of the loan.

Here, the process of determining the loan condition and / or calculating the loan amount by the loan amount calculation unit 1125 may be different according to the information included in the loan approval request message.

If the loan approval request includes the loan condition information (for example, credit loan), the loan amount calculation unit 1125 calculates the deposit amount recorded in the account ledger or recordable account ledger in association with the financial system, Withdrawal history, and account balance to calculate the credit rating for the merchant (or merchant), and calculate the loan amount (or lendable amount) for the calculated credit rating.

If the loan application amount information further includes the loan application amount information, the loan amount calculation unit 1125 determines whether the loan application amount is less than the loan amount (or the loanable amount) for the calculated credit rating do.

If the loan approval request includes the loan condition information (for example, a mortgage loan), the loan amount calculation unit 1125 calculates the loan amount information in accordance with the transaction history information associated with the recordable account ledger And the deposit schedule details that have not been transferred to the deposit transaction details through the recordable account management system shown in Fig. 9 are checked. If at least one deposit schedule is confirmed, the loan amount calculation unit 1125 calculates an amount of money that can be borrowed with at least one to-be-deposited amount included in the deposit schedule in connection with the financial system .

Also, the loan amount calculation unit 1125 may calculate the loan amount by summing up the amounts of the deposits included in the confirmed at least one deposit schedule, and then by discounting the accumulated amount of the deposit.

Here, the discount rate with respect to the summed amount of money to be deposited is determined by checking the ratio of the amount converted from the deposit schedule details to the deposit transaction details for a predetermined period (for example, the ratio of the merchandise that has not been returned / refunded for a certain period of time) , It is preferable that the discount rate is determined in proportion to the identified ratio.

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

If the loan application amount information further includes the loan application amount information, the loan amount calculation unit 1125 determines whether the loan application amount is less than or equal to the loan amount (or the loan amount) calculated based on the deposit amount .

Meanwhile, if the loan approval request includes the loan condition information (for example, a combination loan of a credit loan and a mortgage loan), the loan amount calculation unit 1125 may calculate the loan amount of the account ledger or recordable type (Or a franchisee) by collectively checking the deposit history, the withdrawal history, and the account balance recorded in the account ledger, and calculating a credit amount for the credit rating (or lendable amount) The transaction history information associated with the recordable account ledger includes respective unique numbers, and the scheduled date and time of the transfer out of the stored transfer schedule details do not elapse, or the transaction history information associated with the recordable account operation system shown in FIG. It is possible to check the details of the deposit schedule that has not been converted, Calculate the amount. That is, the loan amount (or the loanable amount) is calculated so that the loan can be processed using both the credit loan and the condition of the secured loan.

If the loan application amount information further includes the loan application amount information, the loan amount calculation unit 1125 calculates the loan amount based on the loan amount (or the loanable amount) calculated based on the credit rating, (Or loanable amount) calculated based on the amount to be deposited.

If the loan application request information includes the loan application amount information together with the information on the ratio of the credit loan and the ratio of the secured loan among the loan application amounts (that is, if the customer has the merchant terminal 1180 (Or selects) the ratio of the credit loan and the condition of the secured loan among the total amount of the loan application amount), the loan amount calculation unit 1125 calculates the loan amount (Or a loanable amount) calculated on the basis of the credit rating, and if the amount of the secured loan in the loan application amount information is less than or equal to the predetermined amount (Or the loanable amount) calculated based on the loan amount.

If the loan condition information is not included in the loan approval request message, the loan amount calculation unit 1125 calculates the deposit amount recorded in the account ledger or recordable account ledger in connection with the financial system, (Or a franchisee), and calculates a loan amount (or a loanable amount) for the calculated credit rating (a credit loan-based loan amount calculation process) Alternatively, in association with the financial system, the deposit date and time of the stored deposit schedule data including the respective unique numbers in the transaction history information associated with the recordable account ledger do not elapse, or the recordable account Confirm the details of the transfer schedule that has not been converted into the transfer transaction history through the operation system, and confirm at least one transfer schedule details (A process for calculating a loan amount based on a mortgage loan), or a process for calculating a loan amount based on the credit amount based on at least one or more deposit amounts included in the deposit schedule, (Total loan amount calculation process).

Here, the process of determining a loan condition, that is, a credit loan, a mortgage loan, and a compound loan based loan amount calculation process, is determined by a merchant (or a franchisee) , Or in any order to determine the conditions under which the loan can be made.

If the loan condition information is not included in the loan approval request message and the loan application amount information is included, the loan amount calculation unit 1125 calculates the loan amount based on the credit amount , The process of calculating the loan amount based on the mortgage loan, and the process of calculating the loan amount based on the compound loan are sequentially applied in accordance with the predetermined priority order or in an arbitrary order to determine the condition for the loan. For example, if the customer inputs (or selects) a loan application amount of one million won and includes the loan application amount information in the loan approval request message, the loan amount calculation unit 1125 calculates the loan amount based on the predetermined priority (Or applying a random order from the server) to calculate the loan amount based on the credit loan. Here, if the amount of 1 million KRW of the loan requested by the customer is less than the loan amount (or the loanable amount) calculated by the credit loan-based loan amount calculation process, the process of calculating the loan amount based on the secured loan or the compound loan is not performed. On the other hand, if the loan amount (or the loanable amount) calculated by the credit loan-based loan amount calculation process is 400,000 won, the loan amount calculation unit 1125 calculates the remaining amount of 600,000 won Check whether the mortgage is possible. If the deposit amount (or the loanable amount) calculated through the process of calculating the loan amount based on the mortgage loan is more than 600,000 won, the customer can receive 400,000 won through the loan processing unit 1135 to be described later, Can receive a loan on the condition that it is a secured loan (ie, compound loan).

That is, the lending service operating server 1100 according to the present invention is configured such that when the merchant (or merchant) needs to make a loan through the lending amount calculating unit 1125, the collateral (i.e., The total amount of sales (that is, deposit details) for a certain period of time, or account transfer revenue through the record account (that is, sales excluding credit card, check card, and sales made through cash settlement) Check the balance of the account so that it can handle credit based on the creditworthiness of the customer. In addition, according to the customer's demand, or if the loan processing by either the credit loan or the mortgage loan condition is impossible or insufficient, the loan can be processed through the compound loan.

When the loan amount is calculated at the loan amount calculation unit 1125, the record type account lock setting unit 1130 determines whether the loan amount calculation unit 1125 calculates at least one deposit plan history included in the calculation of the loan amount If the included deposit amount is deposited through the recordable account management system shown in FIG. 9 and / or when the settlement amount through the account transfer is deposited through the recordable account management system, The settlement details are set in the deposit schedule details and / or the settlement details through the account entity so that the withdrawal transactions do not occur.

When the loan amount is calculated in the loan amount calculation unit 1125 and a lock is set for the amount to be deposited and / or the settlement amount through the account transfer included in the at least one deposit schedule included in the calculation of the loan amount , The loan processing unit 1135 lends the calculated loan amount to the recordable account (or a real account linked to the recordable account).

According to the method of the present invention, the loan processing unit 1135 withdraws the loan amount from the loan management account provided in the financial system, and transfers the loan amount to the recordable account (or the real account linked with the recordable account) It is preferable to process the loan for the loan amount.

According to another embodiment of the present invention, the loan processing unit 1135 may be provided in a loan approval server provided in a separate lending institution in addition to the loan service operating server 1100, so that the present invention is not limited thereto .

When the loan is processed through the loan processing unit 1135, the loan history information for the loan processing is recorded in the recordable account ledger through the recordable account management system shown in FIG.

Referring to FIG. 11, the loan service operating server 1100 includes a professional generating unit 1140 (or a specialist creating unit) for generating a loan approval message (or loan approval information) including the loan application processing result information for the loan process And a professional transferring unit 1145 (or professional transferring means) for processing the generated loan approval telegram (or loan approval information) to be transmitted to the merchant terminal 1180 in association with the interface unit 1105, And a control unit.

If the loan processing unit 1135 has processed the loan for the loan approval request telegram, the specialist generation unit 1140 generates a loan approval request for notifying the merchant that the loan has been approved for the loan approval request, (Or loan approval information). The loan approval specialist may include at least one of loan amount information, loan condition information (credit loan, secured loan, one of compound loans), loan interest information, loan repayment information, and the like.

The specialist transmission unit 1145 processes the loan transfer approval message to the merchant terminal 1180 in association with the interface unit 1105 when the loan transfer approval message is generated in the special message generation unit 1140. The merchant terminal 1180, which has received the loan approval message (or the loan approval information) from the loan service operation server 1100, outputs the information included in the loan approval message (or the loan approval information) (Merchant dealer).

Referring to FIG. 11, the lending service operating server 1100 receives the amount of money to be deposited included in the transfer schedule and / or the amount of money to be transferred by bank transfer through the recordable account management system shown in FIG. 9 And the settlement history by the account transfer and the settlement history by the account transfer are converted into the deposit transaction details to which the unique number is assigned, the deposit is transferred to the real account linked with the recordable account, If the unique number assigned to the deposit transaction details is recorded in the item (or content) item of the item, the recordable account lock setting unit 1130 deletes the account information from the payment history, And the withdrawal transaction sleep for the actual account transaction details including the confirmed unique number in the summary (or content) item And a real account lock setting unit 1150 (or a real account lock setting means) for setting a gold.

After the mortgage loan is processed for the deposit amount, the credit loan is processed according to the credit rating, or the compound loan of the secured loan and the credit loan is processed, the recordable account management system shown in FIG. When the amount to be deposited and / or the amount of settlement through the account transfer are deposited in the deposit schedule, the deposit amount and / or the settlement amount through the account transfer are converted into the deposit transaction details further including the deposit transaction information (Or contents) item of the transaction details item is recorded as a unique number assigned to the deposit transaction details when the deposited money is transferred to the real account linked to the recordable account, The account lock setting unit 1150 sets the account lockout setting unit 1150 to set the account lockout setting unit 1130 and the account lockout setting unit 1130. [ And sets a withdrawal transaction lock for an amount corresponding to the actual account transaction history including the confirmed unique number in the summary (or content) item of the actual account transaction history .

The amount corresponding to the transfer schedule locked at the time of the loan based on the unique number and / or the payment amount through the account transfer is also locked through the actual account transaction history, thereby enabling not only the withdrawal transaction through the recordable account, It is possible to prevent the withdrawal of the amount set as the security for the loan and / or the amount to be redeemed (the settlement amount through the account transfer) through the withdrawal transaction through the real account.

Referring to FIG. 11, the loan service operation server 1100 determines whether or not to process the mid-term redemption when the amount of money to be deposited and / or the amount of payment through the account transfer are deposited before the scheduled redemption date for the loan amount A loan repayment approval processing unit 1155 (or a loan repayment approval processing means) for confirming a loan to a customer (such as a franchisee) and processing the repayment according to a response thereto; In connection with the financial system, the recordable account lock setting unit 1130 confirms at least one deposit transaction details converted from at least one deposit schedule and / or settlement details through account transfer, At least one real account transaction record (or an actual account transaction record) in which the unique number contained in the deposit transaction details is recorded in the summary (or contents) A lock transaction history confirmation unit 1160 (or a lock transaction history confirmation unit) that confirms at least one actual account transaction history set by the real account lock setting unit 1150) An unlocking unit 1165 (or an unlocking unit) for unlocking the withdrawal transaction lock on the transaction details or the actual account transaction details, and a loan for the loan amount from the amount corresponding to the unlocked actual account transaction breakdown And a loan redemption processing unit 1170 (or a loan redemption processing means) for confirming the redemption amount (or the intermediate redemption amount) and redeeming the redemption amount (or the redemption amount).

If it is confirmed that the credit by the credit loan, the secured loan, or the combined loan is processed and the payment amount through the transfer amount or the account transfer is deposited before the predetermined redemption date, the loan redemption approval processing unit 1155 (Or the terminal information) of the customer (merchant store) described in the customer ledger in cooperation with the financial system to confirm to the customer (merchant store) whether the intermediary reimbursement for the loan should be processed through the deposited amount, (Or terminal) corresponding to the communication means information (or terminal information) of the confirmed customer (agent shop), and transmits the information about the intermediate reimbursement to the communication means (or terminal) Upon approval of the redemption, the withdrawal transaction lock of the recordable account or the withdrawal transaction lock of the real account transaction details is released through the unlocking unit 1165 High, and to handle the prepayment via the loan repayment processing unit 1170.

Here, the method of transmitting the information on the moderate redemption to the communication means (or the terminal) of the customer (agent) and receiving a response thereto is through a Short Message Service (SMS) including a callback URL Method, and a method using an MMS (Multimedia Message Service), and there may be a telephone consultation through an operator (loan-related consulting agent) associated with the loan service operation server 1100. [

If a person skilled in the art is familiar with the technical features of the method and / or process for the approval process for the moderate redemption, that is, the telephone consultation, the SMS including the callback URL, the MMS, etc. The detailed description thereof will be omitted for the sake of convenience.

As described above, when the loan redemption approval processing unit 1155 processes the intermediate redemption through the amount of money to be deposited and / or the amount of money to be deposited through the account transfer before the redemption date for the loan processing, It is effective to reduce loan interest according to period. In addition, in the case of an operator who provides a loan service, it is possible to prevent problems such as repayment delinquency and non-repayment, even if the interest due to the loan interest is reduced. Of course, since the withdrawal lock is set for the record-type account and the real account, it is not necessary to worry about the problem of overdelivery or unrecognition, so the loan repayment approval processing unit 1155 is not necessarily required.

The lock transaction history confirmation unit 1160 identifies at least one of the deposit schedule details, which are locked by the recordable account lock setting unit 1130, in association with the financial system, at the time of the mid-point redemption processing or the loan amount redemption processing, And / or the settlement history through the account transfer.

If at least one deposit transaction details locked in the loan application process are confirmed, the lock transaction history confirmation unit 1160 identifies the uniqueness number included in the confirmed deposit transaction details in association with the financial system, Or at least one real account transaction history (or at least one real account transaction details set to be locked by the real account lock setting unit 1150) recorded in the item of the account information.

When the deposit transaction details or the real account transaction details of the locked recordable account are confirmed, the unlocking unit 1165 associates the deposit transaction details of the locked recordable account with the financial system based on the unique number , Or releases the deposit transaction lock on the actual account transaction history.

If the unlocking unit 1165 releases the withdrawal transaction lock on the deposit transaction details or the actual account transaction details of the locked recordable account based on the unique number, The system checks the loan repayment amount (or the redeemable amount) for the loan amount from the amount corresponding to the unlocked actual account transaction record in connection with the system.

Here, it is preferable that the loan repayment amount (or the intermediate repayment amount) includes the loan amount and the interest amount corresponding to the loan interest during the loan period.

According to the method of the present invention, the loan redemption processing unit 1170 withdraws the loan redemption amount (or the intermediate redemption amount) from the real account linked to the recordable account, and transfers the loan redemption amount It is desirable to repay the loan repayment amount (or the moderate repayment amount).

FIG. 12 is a flowchart illustrating a procedure for confirming the validity of a loan for a loan application according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a process of processing a request for a loan based on information such as a deposit record, a withdrawal record, an account balance, and a deposit plan record recorded on the recordable account ledger through an affiliate terminal, Those skilled in the art will be able to refer to and / or modify the drawing 12 to check the deposit details, withdrawal details, account balances, and deposit details recorded in the record account, The present invention is not limited to the method shown in FIG. 12, but includes all of the above-described embodiments.

Hereinafter, in Fig. 12, the merchant terminal shown in Fig. 11 is referred to as a "terminal " for convenience, and the lending service operating server shown in Fig.

Referring to FIG. 12, the terminal shown in FIG. 11 accesses the server through a predetermined communication network and records the deposit history, withdrawal history, account balance recorded in the recordable account (or a real account linked with the recordable account) (1200), the server generates a web page including a user interface for inputting (or selecting) the loan application information for the loan application (or, alternatively, Extracts it, transmits it to the terminal through the communication channel, and outputs it (1205).

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page to the terminal is performed at least once according to the user interface provision and transmission / reception procedure, and thus the present invention is not limited thereto.

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

Here, the loan application information may include the merchant information (or the terminal information) and the recordable account information, and may include loan application amount information, loan term information, loan interest application information, loan condition information, and the like in accordance with the intention of a person skilled in the art One or more more.

The merchant information (or terminal information) may include merchant information (or merchant store information) in which the recordable account is registered (or opened) through the recordable account registration system shown in FIG. 1, Is preferably matched with a portion of the information stored in the merchant customer ledger associated with the recordable account ledger. The merchant information (or terminal information) may include terminal information (CAT / POS terminal information) provided at the merchant for requesting a loan, and the terminal information may include merchant information associated with the recordable account ledger It is desirable to match some of the information stored in the customer ledger.

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

The loan condition information may include one of condition information such as a credit loan, a secured loan, or a combination loan of a credit loan and a secured loan as the condition information for receiving a loan at the merchant. Of course, if the terminal does not input (or select) the loan condition information, the server may then process the loan in the form of any credit condition among the credit loan, the secured loan, and the combined loan, or the loan, the secured loan, It is possible to confirm the applicable loan conditions sequentially by checking the priority according to the set priorities.

If the terminal inputs (or selects) the loan application information through the user interface (1215), the terminal generates a loan approval request message (or loan approval request information) including the loan application information (1220 ), And transmits a loan approval request message (or loan approval request information) to the server through a communication channel (1225)

In this case, when the terminal is a CAT terminal or a POS terminal provided at an affiliate store processing a payment through a credit card or a check card, a means for outputting a loan application UI to the CAT / POS terminal may be provided. In this case, the step 1205 of generating (or extracting) the web page including the loan application UI at the server and transmitting it to the terminal may be omitted, and the CAT / POS terminal itself may generate (or extract) (Or selecting) the loan application information through the loan application UI outputted, and a loan approval request message is generated, the communication channel is connected with the server through the communication network, and the loan approval request message is directly transmitted to the server .

If the person has a general knowledge in the technical field of the present invention, the process of providing the loan application UI to the terminal from the server and inputting the loan application information from the terminal and generating the loan approval request message, A detailed description of the process of inputting the loan application information using the generated loan application UI, generating the loan approval request message, and transmitting the loan approval request message to the server through the communication channel will be described. For the sake of simplicity.

Then, the server receives and reads the loan approval request message (or the loan approval request information) through the communication channel and confirms the availability of the loan based on the loan approval request message (or the loan approval request information) .

According to the embodiment of the present invention, the loan validation confirmation for the loan approval request message (or the loan approval request information) is included in the loan approval request message (or loan approval request information) in the ledger D / B on the financial system And confirming that the recordable account ledger corresponding to the recordable account has been registered.

The loan validation confirmation for the loan approval request message (or the loan approval request message) may include a payment transaction history for a predetermined period of the transaction history information associated with the recordable account ledger stored in the ledger D / B on the financial system And confirming whether the franchisee is operating normally or not.

If the loan validity is not authenticated based on the loan approval request message (or loan approval request information) (1235), the server transmits a predetermined loan approval error message (or loan approval error information) corresponding to the validity error information And transmits it to the terminal through the communication network (1240).

On the other hand, if the validity of the loan is authenticated based on the loan approval request message (or the loan approval request information) (1235), the server transmits one or more of the deposit details recorded in the recordable account, the withdrawal details, And calculates the loan amount corresponding to the loan application based on the information, and processes the loan. In the following process, various processes can be performed according to the information included in the loan approval request message (or the loan approval request information), and a description thereof will be described with reference to the drawings hereinafter.

FIG. 13 is a view showing a credit lending process according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates a process of processing a loan using a credit condition as a credit condition after the validity of the loan is authenticated to the merchant (or merchant) who requested the loan through the process shown in FIG. 12 If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 13, it is possible to confirm the deposit details, the withdrawal history, the account balance recorded in the record account, The present invention can be applied to all of the above-mentioned embodiments, and the present invention is not limited to the method shown in FIG. 13.

Referring to FIG. 13, after the validity of the loan is verified, the server collectively checks the deposit history, the withdrawal history, and the account balance recorded in the recordable account in connection with the financial system, and obtains credit for the merchant (or merchant) The rating is calculated (1300).

According to the embodiment of the present invention, in order to calculate the credit rating, the server may further include: a deposit history recorded in the recordable account ledger in association with the financial system (grasping the total sales amount or sales amount through account transfer) , And an account balance (account balance average), and calculate a credit rating based on the total sales amount, the sales amount through account transfer, or the account average balance for a certain period or the entire period.

If the credit rating for the merchant (or merchant) is calculated, a loan amount (or a loanable amount) is calculated according to the credit rating (1305). At this time, it is desirable that the loan amount (or the loanable amount) according to the credit rating is calculated by applying a discount rate.

It is preferable that the discount rate is determined by checking the ratio of sales / non-refunded sales generated during a predetermined period at the merchant, and the discount rate is determined in proportion to the confirmed ratio.

In addition, the loan amount (or the loanable amount) preferably includes an amount obtained by subtracting the interest amount on the loan interest during the predetermined loan period.

According to the method of the present invention, the server may calculate the loan period or the loan interest in consideration of the amount of money to be deposited after the processing for the loan or the amount of the settlement amount through the account transfer, in addition to the loan amount (or the loanable amount) Based on the result of the calculation.

If the loan amount (or the lendable amount) for the credit rating is calculated, it is checked whether the requested amount is less than the loan amount (or the lendable amount) for the calculated credit rating (1310).

If the loan application amount exceeds the loan amount (or the loan amount) for the calculated credit rating (1315), the server generates a loan approval error error message (or loan approval error information) and transmits the message to the terminal through the communication network (1320). Here, the customer (the merchant) who confirmed the loan approval error (or the loan approval error information) through the terminal re-inputs (or reselects) the loan application amount, The server retransmits and confirms whether the loan application amount included in the loan approval request message (or the loan approval request information) received from the server is equal to or less than the loan amount (or the loanable amount) for the credit rating Step 1310 may be performed again.

Of course, when the loan application amount information is not included in the loan approval request request (or the loan approval request information) (that is, when the customer (the franchisee) (Or the loan approval request information) is created and transmitted without inputting (or selecting) the application amount information), it is confirmed whether the loan application amount is equal to or less than the loan amount (or the loanable amount) according to the credit rating May be omitted.

If it is determined in step 1315 that the loan application amount is less than or equal to the calculated loan amount (or lendable amount) for the calculated credit rating, the server sets a lock on the withdrawal transaction of the recordable account (step 1325).

If the lock on the recordable account is established 1330, the server may process the loan amount in connection with the financial system (or lending institution) to the recordable account (or a real account linked to the recordable account) (1335).

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

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

The method may further include the step of recording the loan information according to the loan processing to the recordable account ledger.

FIG. 14 is a view illustrating a mortgage loan process according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates a process of processing a loan with the loan condition as a secured loan condition after the validity of the loan is authenticated to the merchant (or the merchant) who applied for the loan through the process shown in FIG. If the person skilled in the art is familiar with the present invention, it is possible to refer to and / or modify the drawing 14 to confirm the details of the deposit plan recorded in the record account, However, the present invention encompasses all of the above-described embodiments, and is not limited to the embodiment shown in FIG. 14.

Referring to FIG. 14, after the validity of the loan is verified, the server calculates a loan amount (or a loanable amount) corresponding to the deposit amount planned loan amount application based on the transfer amount of the recordable account (1400 ).

According to the embodiment of the present invention, the server may include a unique number in the transaction history information associated with the recordable account ledger in association with the financial system for calculating the loan amount (or the loanable amount) It is preferable to check the details of the deposit schedule that are not transferred to the deposit transaction details through the recordable account management system shown in FIG. 9, or if at least one of the deposit schedule details If it is confirmed, the server preferably calculates the loan amount based on the at least one estimated amount of money included in the deposit schedule in connection with the financial system.

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

Here, the discount rate with respect to the summed amount of money to be deposited is determined by checking the ratio of the amount converted from the deposit schedule details to the deposit transaction details for a predetermined period (for example, the ratio of the merchandise that has not been returned / refunded for a certain period of time) , It is preferable that the discount rate is determined in proportion to the identified ratio.

Also, the loan amount (or the loanable amount) includes an amount obtained by subtracting the interest amount for the loan interest during the predetermined loan period from the sum of the accumulated amount of money (the sum of the sum of the accumulated amount of money and the discount rate applied) .

According to an embodiment of the present invention, the server further comprises calculating a loan period or a loan interest in consideration of the period of time from the transfer schedule to the deposit transaction history, in addition to the loan amount (or the loanable amount) desirable.

If the loan amount (or the loanable amount) corresponding to the deposit amount secured mortgage application is calculated, it is determined whether the requested amount of the loan application is less than or equal to the loan amount (or the loanable amount) (1405).

If the amount of the loan application exceeds the calculated loan amount (or the loanable amount) calculated as the secured amount of money (1410), the server generates a loan approval error error message (or loan approval error information) To the terminal (1415). Here, the customer (the merchant) who confirmed the loan approval error (or the loan approval error information) through the terminal re-inputs (or reselects) the loan application amount, (Or the loan approval request information) received from the server is retransmitted to the server, the amount of the loan application included in the loan approval request message (or the loan approval request information) received from the server is the loan amount ) Or less (step 1405).

Of course, when the loan application amount information is not included in the loan approval request message (or the loan approval request information) (that is, when the customer (the merchant) receives the loanable amount calculated as the collateral (Or the loan approval request information) is created and transmitted without inputting (or selecting) the loan application amount information, the loan application amount is the loan amount (or the loan amount A possible amount of money) or less can be omitted.

If it is confirmed at step 1410 that the loan application amount is equal to or less than the calculated loan amount (or the loanable amount), the server calculates at least one loan amount (or loan amount) If a deposit amount included in the deposit schedule details is deposited through the recordable account management system shown in FIG. 9, a lock is set in the deposit schedule record so that withdrawal transactions for the deposited amount do not occur (1420) .

If a lock is set for the deposit schedule included in the calculation of the loan amount among the deposit history of the recordable account (1425), the server transmits the loan amount in association with the financial system (or lending institution) (Or a real account linked to the recordable account) (1430).

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

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

The method may further include the step of recording the loan information according to the loan processing to the recordable account ledger.

FIG. 15 is a diagram illustrating a combined lending process of a credit loan and a secured loan according to an embodiment of the present invention.

In more detail, FIG. 15 is a flow chart illustrating a process of providing a loan to a franchisee (or a franchisee) applying for a loan through the process shown in FIG. 12, A person skilled in the art will be able to refer to and / or modify the FIG. 15 to record the deposit history, the withdrawal history, the account balance The amount of money to be deposited, and the like, and thus it is possible to deduce various implementation methods for the process of processing the compound loan. However, the present invention includes all of the above-mentioned embodiments, Or more.

Referring to FIG. 15, after the validity of the loan is verified, the server checks the deposit history, the withdrawal history, and the account balance recorded in the recordable account in connection with the financial system in a comprehensive manner to obtain credit for the merchant (or merchant) Calculate the grade (1500).

According to the embodiment of the present invention, in order to calculate the credit rating, the server may further include: a deposit history recorded in the recordable account ledger in association with the financial system (grasping the total sales amount or sales amount through account transfer) , And an account balance (account balance average), and calculate a credit rating based on the total sales amount, the sales amount through account transfer, or the account average balance for a certain period or the entire period.

When the credit rating for the franchisee (or the franchisee) is calculated, a loan amount (or a lendable amount) based on the credit rating and a loan amount (or a lendable amount) using the planned amount of money as a deposit are calculated 1505).

Here, when calculating the loan amount (or the lendable amount) with the deposit amount as the collateral, the server, in cooperation with the financial system, includes each unique number in the transaction details information associated with the recordable account ledger It is preferable to check the details of the deposit schedule that have not been transferred to the deposit transaction details through the recordable account management system shown in FIG. 9, and if at least one When the payment schedule details are confirmed, the server preferably calculates the loan amount based on at least one or more deposit amounts included in the deposit plan in connection with the financial system.

It is preferable that the loan amount (or the lendable amount), which is collateralized by the loan amount (or the loanable amount) and the planned amount of money, is calculated by applying the discount rate.

It is preferable that the discount rate is determined by checking the ratio of sales / non-refunded sales generated during a predetermined period at the merchant, and the discount rate is determined in proportion to the confirmed ratio.

In addition, the loan amount (or the loanable amount) preferably includes an amount obtained by subtracting the interest amount on the loan interest during the predetermined loan period.

According to the method of the present invention, the server may calculate the loan period or the loan interest in consideration of the amount of money to be deposited after the processing for the loan or the amount of the settlement amount through the account transfer, in addition to the loan amount (or the loanable amount) Based on the result of the calculation.

If the loan amount (or the lendable amount) secured with the loan amount (or the loanable amount) and the planned amount of money for the credit rating are calculated, the loan application amount corresponding to the credit loan (Or loanable amount) calculated based on the credit rating, and whether or not the amount of the loan application corresponding to the secured loan is less than the calculated amount of the loan (or the amount of the loan Amount) or less (1510).

If the loan application amount corresponding to the credit application amount exceeds the loan amount calculated in accordance with the credit rating (or the loanable amount) and / or the loan application amount corresponding to the secured loan out of the loan application amount (Or lendable amount) calculated with the planned amount of money as collateral, and / or the total amount of lending application money exceeds the loan amount (or lendable amount) calculated according to the credit rating and the amount of money If the sum exceeds the sum of the loan amount (or the loanable amount) calculated as the secured amount (1515), the server generates a loan approval error error message (or loan approval error information) and transmits the message to the terminal through the communication network (1520). Here, the customer who has confirmed the loan approval error (or the loan approval error information) through the terminal re-inputs (or reselects) the loan application amount or the ratio of the credit loan and the secured loan, In the case of retransmitting the request specialist (or the loan approval request information) to the server, the terminal retransmits the loan request amount included in the loan approval request message (or the loan approval request information) received from the server and / The amount of the loan application corresponding to the loan and / or the amount of the loan application corresponding to the mortgage loan out of the loan application amount is calculated as the collateral amount (or the loanable amount) calculated according to the credit rating, (Step 1510) to confirm whether the loan amount is equal to or less than the loan amount (or the loanable amount).

Of course, when the loan application amount information is not included in the loan approval request request (or the loan approval request information) (that is, when the customer (the merchant) receives the loanable amount and the transfer amount calculated according to the credit rating (Or the loan approval request information) is generated and transmitted without inputting (or selecting) the loan application amount information in order to lend all of the loanable amount calculated as the loan application amount, And the step of confirming whether the loan application amount is less than or equal to the loan amount (or the lendable amount) with the planned amount of money as collateral may be omitted.

If the customer (the franchisee) inputs (or selects) the loan application amount information through the terminal but does not input the condition information on the credit loan and the mortgage loan or does not input (or select) the rate, A process of calculating a loan amount (or a loanable amount) according to a credit rating, a process of calculating a loan amount (or a loanable amount) with a planned amount of money as collateral, It is also possible to arrange for a loan to be processed under this possible lending condition.

If it is confirmed that the loan application amount is less than or equal to the calculated loan amount (or lendable amount) for the calculated credit rating and is equal to or less than the loan amount (or the lendable amount) with the planned amount of deposit as collateral (1515) A lock on the withdrawal transaction of the account is established (1525).

If the lock on the recordable account is established 1530, the server may process the loan amount in connection with the financial system (or lending institution) to the recordable account (or a real account linked to the recordable account) (1535).

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

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

In addition, it may further include a step of recording the loan information in the loan processing to the recordable account ledger.

On the other hand, if the customer (the franchisee) inputs (or selects) the loan condition information of the compound loan through the terminal but does not input (or selects) the rate, the loan amount (or the loanable amount) And calculating the amount of the loan (or the loanable amount) with the planned amount of deposit as the collateral is sequentially applied according to the predetermined priority, and the calculated amount of the loan is calculated according to the process performed first according to the priority The loan may be processed first by applying the amount and the loan for the remaining amount excluding the amount applied first in the entire loan application amount may be treated as the loan condition calculated according to the subsequent process.

FIGS. 16A and 16B illustrate a process of locking a withdrawal transaction of a real account for a loan according to an embodiment of the present invention.

16A and 16B illustrate the procedure of the lending process shown in FIGS. 13 to 15, and then, through the recordable account management system shown in FIG. 9, the payment agency server A settlement amount corresponding to the deposit scheduled amount is deposited through a virtual account number for each deposit path from the server, or a settlement amount is deposited through account transfer, and the deposited amount is transferred to a real account linked to the recordable account 11 is a flowchart illustrating a process of setting a lock on an amount of money deposited in the real account at a loan service operation server on the loan service operation system shown in FIG. 16A and 16B, it is possible to refer to and / or modify the withdrawal transaction lock process of the actual account for the loan of the recordable account Would be able to infer a variety of exemplary methods, the present invention is made, including any exemplary way in which the inference, not exclusively those technical features of only the exemplary method shown in the figure 16a and figure 16b.

Hereinafter, in FIG. 16A and FIG. 16B, the loan service management server on the loan service management system shown in FIG. 11 is referred to as a "server"

Referring to FIGS. 16A and 16B, in the system for storing the deposit schedule details shown in FIG. 7, transaction history information associated with the recordable account ledger is stored in the deposit history information storage process shown in FIG. (Or a financial joint network) from at least one payment agent server (or settlement agency server) for each deposit route in association with the financial system after storing the deposit plan details including the unique number and the deposit schedule information, (1600) whether the settlement amount corresponding to the amount to be deposited included in the deposit schedule shown in FIG. 7 and the settlement amount through the account transfer at the merchant are deposited through the virtual account number for each deposit route, .

If it is confirmed that the settlement amount corresponding to the deposit amount and / or the settlement amount corresponding to the deposit amount have been deposited through the virtual account number per the deposit path (1605), the server The deposit transaction information including the virtual account number corresponding to the deposit transaction, the deposit date information, and the deposit amount information is confirmed (1610).

Here, it is preferable that the deposit transaction information further includes at least one or more pieces of information matched with settlement details provided by the financial system and / or account transfer according to the intention of a person skilled in the art, Is not limited.

If the deposit transaction information corresponding to the confirmed deposit transaction is confirmed (1615), the server associates the deposit account information with the financial system based on the virtual account number, deposit date information, and deposit amount information included in the deposit transaction information The payment history through the account transfer and / or settlement details matched with the deposit transaction information among the payment schedule details stored in the transaction history information associated with the recordable account ledger and / or the account transfer is confirmed 1620 ).

According to the embodiment of the present invention, the server confirms the deposit schedule details including the virtual account number included in the confirmed deposit transaction history among the deposit schedule details stored in the transaction history information associated with the recordable account ledger, Or the deposit schedule information including the deposit schedule date information matched with the deposit date information included in the confirmed deposit transaction details, or confirms the deposit schedule amount matching the deposit amount information included in the confirmed deposit transaction details Or confirms the payment details through the account transfer including the virtual account number included in the confirmed deposit transaction details among the payment details through the account transfer stored in the transaction details information, Include the deposit amount information included in the confirmed deposit transaction details and the payment amount through the account transfer that matches. By performing a process of confirming the payment through the left variants have at least one, it is preferable to make the payment transaction information with the matching payments through the deposit will breakdown and / or money transfer that.

If the settlement details matching with the deposit transaction information and / or settlement details through account transfer are not confirmed 1625, the server transmits a unique number that is not duplicated in the confirmed deposit transaction information in association with the financial system And stores the transaction history information in association with the recordable account ledger (1630).

Of course, even if the payment details through the account transfer matched with the deposit transaction information are not confirmed, the settlement amount through the deposited account transfer can be changed through the real account lockout process to utilize the money for the loan repayment The withdrawal transaction may be locked.

On the other hand, if the settlement details matching with the deposit transaction information and / or the settlement details through the account transfer are confirmed (1625), the server transmits the settlement transaction information to the payment history through the confirmed deposit details and / (1635) in the transaction history information associated with the recordable account ledger.

Thereafter, the server confirms whether the money corresponding to the deposit amount is transferred to the real account linked with the recordable account in connection with the financial system (1640).

If it is confirmed that the money corresponding to the deposit amount is transferred to the real account linked with the recordable account (1645), the server, in connection with the financial system, (1650) the unique number assigned to the deposit transaction details of the recordable account in the item (or content).

Thereafter, the server, in connection with the financial system, determines whether or not the deposit transaction details converted from the settlement history of the recordable account and / or the settlement history through the account transfer into the deposit transaction details correspond to the loans shown in FIGS. 13 to 15 It is checked whether the withdrawal transaction lock is set up through one of the loan processes (1655).

If the withdrawal transaction lock is not set for the deposit transaction details of the recordable account (1660), the server does not set a lock on the real account associated with the recordable account.

Meanwhile, if the withdrawal transaction lock is set for the deposit transaction details of the recordable account (1660), the server confirms the unique number of the deposit transaction details in which the withdrawal transaction lock is established in connection with the financial system (1665).

If the unique number of the deposit transaction with the withdrawal transaction lock is confirmed 1670, the server confirms the real account transaction history including the confirmed unique number in the summary (or content) item in connection with the financial system (1675).

If the actual account transaction details including the confirmed unique number in the summary (or content) item are confirmed (1680), the server displays the actual account transaction details including the unique number in the summary (or content) item Set the withdrawal transaction lock for the included amount (1685).

FIG. 17 is a diagram illustrating a loan repayment process for a loan according to an embodiment of the present invention.

More specifically, FIG. 17 illustrates a process of lending one of the lending processes shown in FIGS. 13 to 15 and the actual account locking process shown in FIGS. 16a and 16b, and then arrives at the date and time of the loan repayment for the loan The withdrawal lock set in the withdrawal transaction details of the recordable account is released from the lending service operation server on the lending service operating system shown in Fig. 11, and the record account And then redeeming the loan repayment amount for the loan from the actual account after releasing the withdrawal lock of the real account associated with the withdrawal account of the real account. If the person skilled in the art is familiar with the present invention, It is possible to refer to and / or modify various methods for the loan repayment process for the loan, And all technical methods to be added are included, and the technical features thereof are not limited only by the method shown in FIG.

For example, if a person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 17, if there is a deposit schedule detail that has not been converted into the deposit transaction details of the deposit schedule, A method of extending the loan repayment (or collecting a debt) when there is no payment history through the account transfer, or a method of withdrawing the loan from the bank through the transfer amount and / It is possible to deduce various loan repayment methods such as a method of collecting debt with the settlement amount as collateral, but it is clear that the present invention includes all of the above-mentioned embodiments.

Hereinafter, in FIG. 17, the loan service management server on the loan service management system shown in FIG. 11 is referred to as a "server" for the sake of convenience.

Referring to FIG. 17, the server proceeds to a loan process of the loan process shown in FIGS. 13 to 15 and a loan reimbursement date and time for the loan performed through the actual account lock process shown in FIGS. 16A and 16B Periodically (1700).

If it is confirmed that the payment has arrived at the loan repayment date and time (1705), the server, in connection with the financial system, transmits at least one deposit The transaction details (or the payment history and / or the settlement history through the account transfer) are confirmed (1710).

If all of the deposit transactions with the withdrawal lock are confirmed (1715), the server releases the withdrawal lock for the deposit transaction in connection with the financial system (1720), and in connection with the financial system, (1725) the unique number assigned to the released deposit transaction detail.

If the unique number allocated to the withdrawal transaction is released (1730), the server transmits at least one or more unique numbers, which are included in the summary (or content) item, in association with the financial system Check the actual account transaction history (1735).

If the actual account transaction history (or the actual account transaction details in which the withdrawal lock is set) including the unique number as a summary (or content) is confirmed (1740), the server notifies the financial institution that the withdrawal lock is set (1745), and confirms the loan repayment amount for the loan among the money corresponding to the actual account transaction details in which the withdrawal lock is released (1750).

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

If the loan repayment amount is confirmed (1755), the server redeems the loan repayment amount from the actual account in connection with the financial system (1760).

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

FIG. 18 is a diagram illustrating a loan repayment process for a loan according to another embodiment of the present invention.

More specifically, FIG. 18 illustrates one of the lending processes shown in FIGS. 13 to 15 and the actual account locking process shown in FIGS. 16a and 16b, and then, after the actual withdrawal of the loan, If the settlement amount through the account transfer for the deposit and / or the payment details through the account transfer is deposited with respect to the details of the deposit due through the recordable account, the approval for the moderate redemption is obtained, Withdrawing the withdrawal lock set in the deposit transaction details of the recordable account at the lending service operation server on the lending service service operating system and withdrawing the withdrawal of the real account linked to the recordable account based on the unique number assigned to the deposit transaction record And releasing the lock from the actual account, the present invention relates to a process for performing a medium-term redemption process on a loan repayment amount for the loan, Those skilled in the art will be able to refer to and / or modify this FIG. 18 to derive various implementations of the reimbursement process for the loan, but the invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Hereinafter, in FIG. 18, the loan service management server on the loan service management system shown in FIG. 11 is referred to as a "server" for the sake of convenience.

Referring to FIG. 18, the server performs a lending process of one of the lending processes shown in FIGS. 13 to 15, and the actual account locking process shown in FIGS. 16A and 16B, Or a real account linked to the recordable account) (1810).

If it is confirmed that the deposit transaction details (settlement history and / or settlement details through account transfer) have occurred in the recordable account (or the actual account linked to the recordable account) before the loan repayment date (1815) In order to confirm to the customer (merchant store) whether to process the intermediate reimbursement for the loan through the deposited money amount, communication means information (or terminal information) of the customer (merchant store) (1820) to the communication means (or terminal) corresponding to the communication means information (or the terminal information) of the confirmed customer (merchant store) (1820) Make sure to approve this mid-term redemption (1825).

Here, the method of transmitting the information on the moderate redemption to the communication means (or the terminal) of the customer (agent) and receiving a response thereto is through a Short Message Service (SMS) including a callback URL Method, and a method through MMS (Multimedia Message Service), and there may be a telephone consultation through an operator (loan-related consulting person) associated with the server.

If a person skilled in the art is familiar with the technical features of the method and / or process for the approval process for the moderate redemption, that is, the telephone consultation, the SMS including the callback URL, the MMS, etc. The detailed description thereof will be omitted for the sake of convenience.

If the customer agrees to the mid-term redemption (1830), the server releases the withdrawal lock for the deposit transaction in connection with the financial system (1835) and, in conjunction with the financial system, A unique number assigned to the unlocked deposit transaction is identified (1840).

If the unique number assigned to the withdrawal transaction is released (Step 1845), the server transmits to the financial system at least one or more Check the actual transaction history (1850).

If the actual account transaction history (or the real account transaction details in which the withdrawal lock is set) including the unique number is included (1855) in the summary (or content) item, the server determines that the withdrawal lock is set The withdrawal lock of the actual account transaction details is canceled 1860 and the loan repayment amount of the loan corresponding to the actual account transaction details in which the withdrawal lock is canceled is checked 1865.

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

If the loan repayment amount is confirmed (1870), the server redeems the loan repayment amount from the real account in connection with the financial system (1875).

According to the embodiment of the present invention, the server withdraws the loan repayment (interim repayment) amount from the real account linked to the recordable account and transfers the amount to the lending management account (or the lending institution account) It is desirable to repay the amount of the redemption).

As described above, if the moderate redemption is processed through the amount of money deposited before the redemption date and / or the redemption amount through the account transfer, the customer can reduce the interest on the loan from the redemption date to the redemption date . In addition, in the case of an operator who provides a loan service, even if the interest on the loan interest is reduced, problems such as overdue delinquency and non-repayment can be prevented in advance. Of course, since the withdrawal lock is set up for the record-type account and the real account, there is no need to worry about the problem of the overdelivery or the non-repurchase, so the process for the above-mentioned repayment is not necessarily necessary.

FIG. 19 is a functional block diagram of a merchant terminal 1900 having a loan application mode according to an embodiment of the present invention.

More specifically, FIG. 19 shows an embodiment of a merchant terminal 1900 having a loan application mode for a loan service through the merchant terminal 1900, and a person skilled in the art to which the present invention pertains It is possible to refer to and modify the drawing 19 to derive a functional configuration of various merchant terminals 1900 for a loan service through the merchant terminal 1900. However, It should be understood, however, that the invention encompasses all such contemplated embodiments.

Referring to FIG. 19, a merchant terminal 1900 having a loan application mode for a credit service through a merchant terminal 1900 basically includes a control unit 1910, a memory unit 1965, a card reader unit 1905, A power supply unit 1970 for supplying power to the merchant terminal 1900 and an input unit 1950 and a screen output unit 1945, a communication processing unit 1940, a security application module 1955, a print output unit 1960, And includes at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 1910 controls the overall operation of the franchise terminal 1900 and controls the flow of information or data between the franchise terminal 1900. The control unit 1910 manages the flow of information or data between the franchise terminal 1900, And at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and an execution memory (e.g., a register and a register) And a bus (BUS) for inputting / outputting predetermined data. In order to perform a function peculiar to the franchise terminal 1900 in software, a bus (BUS) A predetermined program routine loaded into the execution memory and operated by the processor and / A predetermined program recorded on a recording medium provided in the merchant terminal 1900 for requesting a loan through the merchant terminal 1900 and / or a function configuration provided in the merchant terminal 1900 And that the components that can be processed in software are provided in the control unit 1910).

The control unit 1910 may control the components (for example, the memory unit 1965, the card reader unit 1905, the key input unit 1950, and the screen output unit) provided in the merchant terminal 1900 (Not shown) according to the intentions of the person skilled in the art, etc.) of the merchant terminal 1945, the communication processing unit 1940, the security application module 1955, the print output unit 1960, ) And controls and manages the components provided in the merchant terminal 1900 for a loan service through the merchant terminal 1900 according to the present invention, And / or a program recorded on a recording medium provided in the merchant terminal 1900 for a lending service through the merchant terminal 1900. [

The memory unit 1965 is a memory unit that stores a predetermined program routine (or code) and / or program data (for example, a program routine Volatile memory for storing information (e.g., information or data), and at least one non-volatile memory for storing at least one nonvolatile memory including an electrically erasable programmable read only memory (EEPROM) and / or a flash memory (FM) The control unit 1910 may include predetermined program routines and program data required to perform a predetermined control function and program data (for example, data in which a program routine is input or output for performing a predetermined function) ) Is stored.

According to the embodiment of the present invention, the memory unit 1965 preferably stores a user interface for inputting loan application information.

Through the merchant terminal 1900, the customer can purchase a contact type IC card (or wireless IC chip) based on the ISO / IEC 7810 standard and / or a contact type IC card (or wireless IC chip) based on the ISO / IEC 7816 standard, (Or possesses) a card including at least one non-contact IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, and the card reader unit 1905 includes at least one And provides an interface for reading information or data.

According to the embodiment of the present invention, the card reader unit 1905 includes an MS reader unit for providing an interface between the MS card and the merchant terminal 1900, and / or an MS reader unit for providing an interface between the contact IC card and the merchant terminal 1900. [ And a contactless IC reader unit for providing an interface between the contactless IC card and the merchant terminal 1900. [

The MS reader unit is a card reader unit 1905 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil. The MS reader unit includes predetermined information (for example, (Or the magnetic head moves in close contact with the MS card in which the predetermined information is recorded) in the predetermined direction, the MS card in which the MS card in which the binary data (binary data) And the predetermined information or data is interfaced from the at least one track (Track) provided in the MS of the MS card to the merchant terminal 1900 by using the loaded information.

The contact type IC reader unit includes a card reader unit 1905 based on ISO / IEC 7816, and includes at least one contact point which makes electrical contact with the COB (Chip On Board) provided in the contact type IC card And supplies predetermined information or data from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) to supply power to the IC chip of the IC card through the contact point To the merchant terminal (1900).

The noncontact IC reader unit is a card reader unit 1905 based on ISO / IEC 14443, and is a card reader unit using at least a noncontact IC contactless IC contactless IC card using capacitive coupling and / or inductive coupling. The IC chip may include at least one antenna. The IC chip supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through a half-duplex transaction using the APDU, To the terminal (1900).

According to the method of the present invention, the card reader unit 1905 receives predetermined card information (for example, the card information is provided from the at least one card reader unit 1905) for the electronic payment service defined in the merchant terminal 1900 Payment means information corresponding to a payment means including at least one credit card, a check card, a debit card, a cash card, and a financial account).

The key input unit 1950 may include at least one key button including at least one number key and / or a character key and / or a function key. (Or signal) input from the key input device of the key input device in the specific input mode and / or operation mode of the merchant terminal 1900 controlled by the control unit 1910, Generates a key event corresponding to the input information (or signal), and provides the generated key event to the control unit 1910 when predetermined information (or signal) is input from the key button, The control unit 1910 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the merchant terminal 1900, and / or matches the key event to define Characterized in that for obtaining a command to execute a predetermined function. The key input unit 1950 and the key input device having at least one or more key buttons function as key input means provided in the merchant terminal 1900 in cooperation with each other.

The key input unit coupled to the key input unit 1950 may include a keypad having at least one numeric key and a function key, and / or at least one numeric key and at least one character key (e.g., an alphabetic character key and / And / or at least one numeric key and a function key in cooperation with the screen output means, and / or at least one numeric key, a character key and a function key, And at least one touch screen device.

According to an embodiment of the present invention, the key input unit 1950 receives key data corresponding to the electronic settlement service (for example, a settlement amount) from at least one key input device for the electronic settlement service defined in the merchant terminal 1900, Etc.), and also provides a loan service through the merchant terminal 1900 from the key input device for a loan service through the merchant terminal 1900 according to the present invention And a key input unit that receives at least one key data required by the key input unit.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 1950 may be operated by the franchise terminal 1900 according to the present invention in the initial mode and / or the general payment mode, And a key button for switching to a lending application mode for a lending service through the Internet.

The screen output unit 1945 may display an LCD (Liquid Crystal Display) and / or a display screen by the control unit 1910 in the process of performing a predetermined function (e.g., an electronic payment processing function or a loan application function) Or a CRT (Cathode Ray Tube) to be output to a predetermined screen output device, wherein the at least one information or data, which is defined in advance or defined in real time, is output through a predefined interface screen, And the screen output device interact with each other to perform the function of the screen output means provided in the merchant terminal 1900.

The information or data predefined to be output to the screen output device by the merchant terminal 1900 may be input to the key input unit 1950 and / (Or data) transmitted or received via the communication processing unit 1940 and / or information (or data) corresponding to (or data) corresponding to a predetermined calculation result performed by the merchant terminal 1900, As shown in FIG.

According to a preferred embodiment of the present invention, the screen output unit 1945 displays the electronic settlement service and the loan application service defined in the merchant terminal 1900, It is preferable to perform a function of screen output means for outputting an electronic settlement (or loan application) processing screen. Further, in order to provide a loan service through the merchant terminal 1900 according to the present invention, the merchant terminal 1900 And a screen output means for outputting a processing screen corresponding to the loan service providing step through the terminal.

The communication processing unit 1940 is connected to the communication terminal through a payment network (for example, a VAN (Value Added Network)) in the process of performing the predetermined functions (e.g., electronic payment processing function, (Or a device) connected to the settlement agency server or the credit service operation server and / or the merchant terminal 1900 through a predetermined cable and / or the merchant terminal 1900 through a predetermined short distance wireless communication A network communication unit for connecting a predetermined communication channel with a settlement institution server or a loan service operation server on a wired or wireless network and / A cable communication section for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / And a short range wireless communication unit for connecting a predetermined communication session with a predetermined short range communication terminal (or apparatus) apparatus through short-range wireless communication means, wherein the communication for connecting the communication channel (or communication session) Protocols and / or drivers.

The network communication unit may be a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial cooperative network or a high-speed Internet (e.g., ADSL / VDSL / Cable Network / And connects the communication channel to a settlement institution server or a lending service operation server on a wired / wireless network through a predetermined wireless network including a wireless data communication network, wherein the merchant terminal 1900 is connected to a predetermined wired / wireless network And a network interface card (NIC) for allowing the merchant terminal 1900 to be connected to the wired / wireless network by software, and a communication protocol and / or driver for connecting the merchant terminal 1900 to the wired / wireless network.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (for example, RS-232c or USB (Universal Serial Bus)). And a communication protocol and / or driver for the cable communication in software.

Here, it is preferable that the terminal (or the device) to which the cable communication session is connected through the cable communication unit includes a predetermined POS (Point of Sales) terminal.

The short-range wireless communication unit may include at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, Wi-Fi and UWB (RF) communication, a Bluetooth, a wireless LAN, a Wi-Fi, and a UWB in hardware by connecting at least one short-range wireless communication means to a predetermined terminal A short range wireless communication module for short range wireless communication, and a communication protocol and / or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or removes a predetermined wireless IC chip.

The secure application module (SAM) 1955 is a module for authenticating the confidentiality and / or authentication (authentication) required in the process of the electronic payment and / or electronic settlement using the card by the merchant terminal 1900 (Or settlement agency server or loan service management server) on the payment network to the merchant terminal 1900 without using the authentication server (or settlement agency server or loan service management server) on the payment network, and / or security requirements including integrity and / (For example, an electronic payment and / or an electronic payment function) performed by the merchant terminal 1900 in a secure and reliable structure, Encrypts or decrypts the message (e.g., information or data), adds an authenticator to prevent tampering (or tampering) of the message, And the key information is stored in the process of performing the key information.

In general, the security application module 1955 preferably comprises a predetermined security application module 1955 inserter and a security application module 1955 chip. The security application module 1955 chip includes a chip having at least 8-bit CPU An application specific integrated circuit (ASIC) chip (e.g., a PLCC 44-pin chip) and / or an IC chip (e.g., an IC card in the form of SIM (Subscriber Identity Module)) having a performance of 2 MIPS (Million Instructions Per Second) And the like.

In addition, the security application module 1955 may include at least one or more security application data (for example, at least one identifier, version, expiration date, issuance date, code value, etc.) required for the merchant terminal 1900 to perform a predetermined security- And / or a key (e.g., one master key and at least one application key) and / or a protocol (e.g., transaction protocol, (E.g., at least one of read / authentication / transfer / registration / setup / mode switching / acquisition / deletion / discard / initialization) and / / Re-process / cancel command).

The print output unit 1960 is a processing unit that causes the merchant terminal 1900 to perform predetermined functions (e.g., an electronic payment processing function, a loan application function) and / or a predetermined information or data (E.g., processing result information or data) to a predetermined printing apparatus 1975 (e.g., a receipt printing apparatus), and prints the printing information or data to a predetermined printing apparatus 1975 And a print protocol and driver for printing through the network.

Referring to FIG. 19, the merchant terminal 1900 may provide a credit service through the merchant terminal 1900 according to the present invention, so that the operation mode of the merchant terminal 1900 may be provided through the merchant terminal 1900 A mode confirming unit 1915 for confirming whether the credit application mode corresponding to the credit service is the loan application mode and if the operation mode of the merchant terminal 1900 is the credit application mode, An information input unit 1920 for inputting loan application information for a loan service from the input means through the merchant terminal 1900 and a loan approval request message including the loan application information input through the information input unit 1920 (1925), and transmits the generated loan approval request message to the settlement institution server or the loan service operation server on the payment network via the communication processing unit (1940) And a loan approval message including the loan transaction details corresponding to the loan approval request telegram from the settlement institution server or the loan service operation server on the payment network via the communication processing unit 1940 , And a professional processing unit 1935 for outputting, through the screen output unit 1945, the loan processing details included in the loan approval specialization to the screen and / or printing out the printout through the print output unit 1960 .

The mode checker 1915 periodically transmits the operation mode of the merchant terminal 1900 to the credit application mode corresponding to the credit service through the merchant terminal 1900 Is confirmed.

If the operation mode of the merchant terminal 1900 is not the loan application mode, the merchant terminal 1900 performs a conventional electronic payment processing function, while if the operation mode of the merchant terminal 1900 is the loan mode The mode confirmation unit 1915 outputs the confirmation result of the loan application mode through the screen output unit 1945 and provides the result to the information input unit 1920. [

The information input unit 1920 receives a loan through the merchant terminal 1900 from a predetermined key input unit through the key input unit 1950 to correspond to a loan application mode for a loan service through the merchant terminal 1900, Wherein the method further comprises the step of inputting loan application information including at least one of a loan application amount information for a service, a loan term information, a loan interest application information, and a loan condition information, wherein the inputted loan application amount information, Interest application information, and loan condition information is provided to the specialist generation unit 1925. [0216]

Also, the information input unit 1920 may receive, from at least one terminal (or device) through the cable communication unit and / or the short-range wireless communication unit, a credit application mode for the credit application service for the credit service through the merchant terminal 1900 Extracts loan application information including at least one of loan application amount information, loan term information, loan interest application information, and loan condition information for a loan service through the merchant terminal (1900), and inputs the loan application information. The loan application information including at least one of the loan application amount information, the loan term information, the loan interest application information, and the loan condition information is provided to the expert generation unit 1925.

The professional creation unit 1925 includes at least one of the loan application amount information, the loan term information, the loan interest application information, the loan condition information, and the merchant information (or the terminal information) input through the information input unit 1920 And generates a loan approval request telegram, and provides the generated loan approval request telegram to the specialized transmission unit 1930. [

The specialized transferring unit 1930 transfers the loan approval request message generated by the message generating unit 1925 to the settlement institution server or the loan service management server on the payment network through the communication processing unit 1940 In response to this, the settlement agency server or the loan service operation server performs a predetermined loan processing procedure for providing a loan service through the merchant terminal 1900 through the loan approval request message, Generates a loan transaction history corresponding to any one of the loan approval history or the loan error history corresponding to the credit transaction history, generates a predetermined loan approval statement including the loan transaction history, and transmits the loan approval statement to the merchant terminal 1900 send.

After the loan approval request message is transmitted to the settlement institution server or the loan service operation server through the expert transfer unit 1930, the professional processing unit 1935 transmits the loan approval request message to the settlement institution Periodically (or in response to a professional reception event of the communication processing unit 1940) whether a loan approval message including the loan processing details corresponding to the loan approval request message is received from the server or the loan service operation server.

If the loan processing approval message including the loan processing details corresponding to the loan approval request message is received through the communication processing unit 1940, the expert processor 1935 updates the loan processing details (for example, The credit approval history, or the credit error details) through the screen output unit 1945 and / or the print output unit 1960. Thus, the merchant terminal 1900 ) Is completed.

Although the system and method for checking the credit rating, the collateral (deposit plan), and the processing of the loan and the repayment have been described based on the recording account for the account management of the merchant when applying for the loan through the merchant terminal so far, The method of confirming the credit rating based on the transaction details described in the actual account linked to the recordable account and processing the credit loan also falls within the scope of the present invention.

In addition, the credit loan according to the present invention is a credit loan calculated based on a deposit history, a withdrawal history, an account balance recorded in a recordable account (or a real account linked to a recordable account) of a merchant (Or the loanable amount) according to the rating. However, depending on the implementation, it may be calculated based on the credit evaluation result of the affiliate dealer in connection with the system (or server) provided in the credit evaluation agency It is clear that there is a possibility.

The above-described embodiments are merely examples embodying the present invention, and thus the present invention should not be construed as being limited to the above-described embodiments. In other words, the present invention should be construed as having a technical idea including the contents described in the claims and the equivalents of such contents.

According to the present invention, since a franchisee (or a franchisee) can apply for a loan through an affiliate terminal and receive a loan, it is possible to eliminate the hassle of visiting a financial institution for lending.

In addition, since the credit evaluation or collateral confirmation process for the merchant (or merchant) required for the loan can be performed by checking the financial account established for the account management of the merchant (or the merchant) There is no need for a procedure for verification or verification of collateral.

In addition, if the settlement amount or the amount due to be deposited through the account transfer is deposited in the recordable account of the merchant (or the real account linked to the recordable account) of the merchant (or the merchant) before the scheduled redemption date after the loan processing, By making it possible to process the mid-term redemption, the interest burden on the customer can be reduced.

Claims (11)

A method executed by a server for managing a flow of funds of a card payment merchant, A recorder-type account that includes an information storage structure that selectively records various categories by category in order to manage the flow of funds of the merchant in connection with the actual account of the merchant established at the designated bank, Stage 1; And records and records the terminal information for authenticating the terminal in the franchisee to be used for the loan application of the franchisee among the payment terminals of the franchisee to record the terminal information for identifying the franchisee that manages the flow of funds in the recordable account A second step; A third step of selecting a deposit history and a withdrawal history corresponding to the flow of the merchant's transaction among the transaction details of the actual account and recording the deposit details in the recordable account or checking the details of the deposit plan for the franchisee and recording them in the recordable account ; A fourth step of receiving a loan request message including merchant information and terminal information from a terminal within the merchant; The franchisee who reads the franchise information of the loan request telegram through the franchise information of the recordable account and authenticates that the franchisee who applied for the loan is an affiliate shop that manages the flow of funds through the recordable account, A fifth step of reading the terminal information of the loan request telegram and authenticating that the terminal transmitting the loan request telegram is a terminal in the registered franchisee for filing a loan application of the franchisee; And If the merchant corresponding to the merchant information is authenticated as an affiliated store managed by the flow of funds and the terminal transmitting the loan request message is authenticated to the registered merchant terminal, And a sixth step of performing a procedure of processing a loan corresponding to the specialization. The method as claimed in claim 1, If the franchisee corresponding to the franchisee information is not authenticated as an affiliate shop for managing the flow of funds or the terminal transmitting the loan request message is not authenticated as the registered affiliate shop terminal, a loan error message is generated and transmitted to the terminal of the affiliate shop The method of claim 1, further comprising the steps of: The method of claim 1, A secured loan using the deposit schedule recorded in the recordable account, A credit loan based on various details recorded in the recordable account, And a loan of a combination of the secured loan and the credit loan. ≪ Desc / Clms Page number 20 > delete delete delete delete delete delete delete delete

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