KR20020097303A - Method and system for providing a cyber affiliated account(or debit card) to a master account - Google Patents

Abstract

PURPOSE: A method and a system for supplying a cyber division account(or debit card) are provided to enable slaves to use a cyber division account, respectively, on the Internet by receiving data including a bank account number of a master for a payment of the cyber division account and personal information of the slaves who use the cyber division account, respectively, from the master who requested an issue of the cyber division accounts, requesting an inquiry of the issue of the cyber division accounts to a corresponding bank of the account by referring to the received data, and issuing the cyber division accounts. CONSTITUTION: If a slave who obtains a cyber division account and a password from a web server through a master(900) connects to an Internet shopping mall(905), and selects a wanted commodity or a charged contents(910), the shopping mall requests a payment method(915). If the slave selects the cyber division account as the payment method, the shopping mall supplies a web browser for the slave to input cyber division account information(920). The slave inputs the password and contents for buying a commodity(925). The inputted cyber division account is approved, the slave may purchase the commodity and use the charged contents(945). The price is paid through the bank account of the master(955).

Description

Method and system for providing a cyber affiliated account (or debit card) to a master account}

The present invention provides a bank account number and a debit account (or debit card) for transferring payment for the use of a future cyber split account (or debit card) from a client (master) who has applied for issuance of a cyber split account (or debit card). Receive the data (name and social security number, etc.) containing the personal information of the third-party clients (slaves) to use, the split account (or debit card) to the corresponding bank with the payment account with reference to the received data When requesting for issuance is determined and the issuer is judged to be issued, a plurality of cyber split accounts (or debit cards) applied by the client (master) are issued to provide a cyber split account (or debit card) from the master. Receive split accounts (or debits) used by the third-party clients for receiving clients on the Internet E) payment is made through the bank account of the client who applied for issuance of the cyber split account (or debit card), and issuance of the cyber split account (or debit card). The applying client (master) shall pre-determine at the time of issuance of the split account (or debit card) a website which can be accessed or used (not available) according to the age (for minors) of the third client who will use the cyber split account (or debit card). And a method and system for allowing the user (minor) to regulate and monitor the use of an indiscriminate split account (or debit card) on the Internet.

With the rapid increase in the number of Internet users, the convenience of the Internet is spreading in various fields, and home banking, which can receive various financial services without going directly to the bank, is used even after the closing of the banking business for a small fee. It is possible that the trend of use is increasing.

A typical example of home banking is Internet banking. Internet banking literally receives banking services through the Internet, and accesses the Internet through a PC or other wireless mobile terminal, using a bank account with its own transactions. It includes various services such as new and transfer, and anyone who has an account can use it through a certain procedure. Internet banking service began in earnest in 1998, coinciding with the rapid increase in domestic Internet supply in 1998. Before Internet banking, banking using PC communication was the main. However, since banking using PC communication is connected through a limited network, and security system construction or user interface environment is disadvantageous compared to Internet banking, the trend is gradually decreasing.

Internet banking can be used at 12 domestic banks, but the application methods and usage methods are generally the same. First of all, the client applies for Internet banking at the branch of the bank where the client deals with. The application is completed by submitting a prescribed form with identification card and bank account for personal identification. Upon application, you will receive an ID and password, and you can use the Internet banking service by accessing the bank's homepage using the ID and password.

Internet banking is mainly through bank transfer, which is used as a major payment method with credit cards. In Korea, the payment of goods using bank account transfer is largely based on real-time account transfer using bank internet banking, bank withdrawal service using CMS (Cash Management Service), and through the application of authorized certification authority and client's PC. It is divided into three types such as real time account transfer.

Real-time account transfer using bank internet banking first saves the product information selected by the client at the payment gateway (PG) and delivers the transaction amount and transaction unique number to the corresponding bank internet banking website. Check the product information you ordered on the site and enter your account number and account transfer password to perform the account transfer.

The payment agency (PG) then receives the bank transfer details from the bank and notifies the shopping mall and updates the database. According to the above method, there is an advantage that the bank's internet banking security system can be used as it is, but only a client who has registered internet banking can use it.

The real-time withdrawal of the bank's CMS (Cash Management Service) is a service that is mainly used by large credit firms, and is not easily accepted by banks without the trust of clients withdrawing credit. For some banks, it provides a service applying withdrawal CMS. CMS refers to a type of business that processes information from bank account balances and payments to information on trading of stocks.In the information society, withdrawal CMS is a process that does not go directly to banks using communication lines and computers. It is a service that withdraws as much money as necessary from a client account. According to the above method, even if the client does not subscribe to the Internet banking service, real time account transfer is possible, but not all banks allow the withdrawal CMS.

Real-time account transfer using the application of the accredited certification authority and the client PC encrypts the public key of the bank signed by the accredited certification authority to the client's PC first through the network so that the whole process can be secured. Is the most advanced way of real time account transfer.

However, the biggest problem of the above methods is that it is troublesome to apply for internet banking by first going to the bank in order to perform the account transfer on the Internet. There is this. Due to these shortcomings, in most cases of Internet e-commerce, payments are made by credit cards rather than bank account transfers, and many social problems, such as bankruptcy of personal assets due to the overpayment of credit cards, are emerging. As suggested above, due to the inconvenience of Internet commerce, prepaid bank account transfers are not widely used.

The present invention relates to a method and a system for providing a cyber split account (or debit card), and to the use of a cyber split account (or debit card) from a client who applied for issuance of a cyber split account (or debit card). Receive data (name and social security number, etc.) containing the bank account number to transfer the payment for and the personal information of the third-party clients (slaves) who will use the split account (or debit card), and refer to the received data Request the bank with the payment account to issue the split account (or debit card) and issue a plurality of cyber split accounts (or debit cards) requested by the client if the issue is judged. Clients that receive a cyber split account (or debit card) from the master are available on the Internet. The payment for the split account (or debit card) used by the third clients may be made through the bank account of the master who applied for issuance of the cyber split account (or debit card). The application for issuing the cyber split account (or debit card) may be accessed or used depending on the age (for minors) of the third client who will use the cyber split account (or debit card). The present invention provides a method and system for pre-determining possible websites at the time of issuing a split account (or debit card) and regulating and monitoring the use of the user (minor) indiscriminately split account (or debit card) on the Internet.

Another object of the present invention is a second method in which payment is made only by a web server and a corresponding bank without intervention of a payment gateway (PG) in the above method, and the web server provides a client with a cyber split account (or debit card). The third method of making payment with only the bank and the payment agency (PG) by providing the divided account (or debit card) information to the bank, and in the third method, The fourth method, in which the bank makes payments directly without intervention, the fourth method, in which the bank creates a cyber split account (or debit card) directly to the client, and the payment is made through a payment agency (PG), and the fourth method. In this regard, the bank provides a fifth method of making a payment directly by the bank without intervention of a payment agent (PG).

1 is a simple block diagram in which a bank, a web server, a payment gateway (PG), and an internet shopping mall, which are components of the present invention, are connected through the Internet.

FIG. 2 is a simple block diagram illustrating a process in which a master client receives a cyber split account (or debit card) and distributes the same to a client.

3 is a simple configuration diagram of an account information database that is included in a web server and stores client account information input from a client (master) who has applied for issuing a cyber split account (or debit card).

FIG. 4 is a simplified block diagram showing more concretely the main account information of the master client stored in the account information database shown in FIG.

FIG. 5 is a simple configuration diagram showing in more detail the divided account (or debit card) information stored in the account information database shown in FIG.

FIG. 6 is an exemplary diagram showing a list of websites that are available or accessible (not available) by a minor client included in the divided account information in the account information database described in FIG.

FIG. 7 is a data sheet model in which a corresponding transaction history according to the use of a cyber split account (or debit card) stored in a transaction information database included in a web server is transferred from a split account to a main account.

8 is a simple flowchart illustrating a process of issuing a cyber split account (or debit card) to a client through a web server.

9 is a simplified flowchart illustrating a process of using goods or paid contents with a cyber split account (or debit card) from a client using a cyber split account (or debit card) on the Internet.

10 is a simplified flowchart illustrating a process of using a client's cyber split account (or debit card) in the point of view of an Internet shopping mall.

11 is a simplified flowchart illustrating a process in which a cyber split account (or debit card) is used in the position of a payment gateway (PG).

Fig. 12 is a simplified flowchart showing the use process of the split account (or debit card) from the perspective of the web server that issued the cyber split account (or debit card).

Fig. 13 is a simplified flowchart showing the overall process of making a payment for the use of a cyber split account (or debit card).

14 is an exemplary embodiment in which payment is made for the use of the split account (or debit card) only with a web server that issues a cyber split account (or debit card) and the corresponding bank without intervention of a payment gateway (PG). .

FIG. 15 is a simplified flowchart illustrating a process of using a cyber split account (or debit card) in the Internet shopping mall according to the embodiment of FIG.

FIG. 16 is a simplified flowchart showing a process in which a cyber split account (or debit card) is used in the position of a web server in the embodiment of FIG.

FIG. 17 is a simple flowchart showing the overall payment process resulting from the use of a cyber split account (or debit card) in the embodiment of FIG.

18 shows a web server issues a cyber split account (or debit card) and provides the bank with the split account (or debit card) information, and the cyber split account (PG; Payment Gateway) only. Or a debit card).

FIG. 19 is a simple flowchart showing a process of issuing a cyber split account (or debit card) to a client through a web server in the embodiment of FIG.

20 is a simplified flowchart illustrating a process in which a cyber split account (or debit card) is used in the position of a payment gateway (PG).

FIG. 21 is a simplified flowchart illustrating the overall process of making a payment for the use of a cyber split account (or debit card) in the embodiment of FIG.

22 shows a web server issues a cyber split account (or debit card) to provide the bank with the split account (or debit card) information, and the bank directly links with an internet shopping mall without the intervention of a payment agency (PG). It is an exemplary embodiment in which payment is made for the use of the cyber split account (or debit card).

FIG. 23 is a simplified flowchart illustrating a process of using a cyber split account (or debit card) in the Internet shopping mall according to the embodiment of FIG.

FIG. 24 is a simple flowchart showing the overall payment process resulting from the use of a cyber split account (or debit card) in the embodiment of FIG.

25 is an embodiment in which a bank having a payment account of a master client issues a cyber split account (or debit card) directly and makes payment for the use of the cyber split account (or debit card) in association with a payment agency (PG). to be.

Fig. 26 is a simple block diagram illustrating a process in which a master client receives a cyber split account (or debit card) from a corresponding bank and distributes the same to a client (slave).

FIG. 27 is a simple flowchart showing a process in which a cyber split account (or debit card) is issued to a client through a corresponding bank in the embodiment of FIG.

FIG. 28 is a simplified flowchart showing a process in which the split account (or debit card) is used in the bank entry which issues the cyber split account (or debit card) in the embodiment of FIG.

FIG. 29 is a simplified flowchart illustrating the overall process of making a payment for the use of a cyber split account (or debit card) in the embodiment of FIG.

30 shows that a bank with a payment account of a master client issues a cyber split account (or debit card) directly, and the payment for the use of the cyber split account (or debit card) is performed without the intervention of a payment gateway (PG). It is an embodiment figure made.

FIG. 31 is a simplified flowchart showing a process in which the split account (or debit card) is used in the bank entry that issues the cyber split account (or debit card) in the embodiment of FIG.

32 is a simplified flowchart illustrating the overall process of making a payment for the use of a cyber split account (or debit card) in the embodiment of FIG.

33 is an exemplary diagram in which the usage statement of each cyber split account (or debit card) is transferred to the payment account of the master client.

34 is a diagram illustrating an example of a web browser screen in which a web server issuing a cyber split account (or debit card) or a bank provides a master client with transaction details of the split account (or debit card) through a web browser.

FIG. 35 is an exemplary view of a web browser screen shown when a client (master) clicks the corresponding divided account contents to inquire more details of one divided account (or debit card) in FIG.

36 is a diagram illustrating a web browser screen provided to the client for inputting payment information when the client (slave) selects a cyber split account (or debit card) as a payment method after purchasing a product in an internet shopping mall or the like.

<Description of main parts of drawing>

100: bank 105: web server

110: payment agency (PG) 115: Internet shopping mall

120: client (slave) 125: account information database (D / B)

130: transaction information database (D / B)

The present invention relates to a method and a system for providing a cyber split account (or debit card) on the Internet. The present invention relates to a method of providing a cyber split account (or debit card) from a master who applied for issuance of a cyber split account (or debit card). Receive data (name and social security number, etc.) containing the bank account number to which payment for use is made and the personal information of third-party clients (slaves) to use the split account (or debit card); By referring to the bank that has the payment account, the request for issuing the split account (or debit card) issuance is judged if the issue is judged, a plurality of cyber split account (or debit card) applied by the client (master) Clients (slaves) receiving a cyber split account (or debit card) from the client (master) by issuing And payment for the split account (or debit card) used by the third clients is made through the bank account of the client (master) who applied for issuance of the cyber split account (or debit card). The payment request is made, and the application for issuing the cyber split account (or debit card) is connected according to the age (in case of minority) of the third client who will use the cyber split account (or debit card). A method and system for prescribing an available (non) website at the time of issuing a split account (or debit card) and regulating and monitoring the use of the user (minor) indiscriminately split account (or debit card) on the Internet. .

The present invention relates to a method for providing a cyber split account (or debit card) on the Internet, wherein a network component necessary for providing the cyber split account (or debit card) is largely issued and managed by the cyber split account (or debit card). On a web server, a client applying for and using the cyber divided account (or debit card) from the web server on the Internet, a bank dealing with a client (master) applying for the issuance of the divided account (or debit card), on the Internet It can be classified into a website (Internet shopping mall, etc.) that supplies goods to clients, and a payment gateway (PG) that is located between the internet shopping mall and the web server to facilitate approval requests and payments. Cyber partitioning system for clients through useful data exchange between elements A method of issuing or making a left (or debit card) available.

The bank is a bank with a trading account of a client (master) who applies for the cyber split account (or debit card), and the settlement is possible for the use of the created cyber split account (or debit card) through the trading account. The web server may determine the suitability (transaction history, balance, credit, etc.) for the payment account when requesting the bank to create a cyber split account.

The client (master) applies for a cyber split account (or debit card) for a third client (family, relative, etc.) through a web server, and the third party receives a cyber split account (or debit card) created through the above process. It is provided to the client (slave) to be used on the Internet, the payment for the use of the cyber split account (or debit card) to pay through your bank account.

In addition, if a third client (slave client) who will use the split account (or debit card) is a minor, the website or paid content that can be used or accessed (disabled) at the time of issue of the split account (or debit card) may be determined. Minor clients can be prevented from accessing harmful information or other adult websites.

The third client is a client who receives a cyber split account (or debit card) from the master and uses it on the Internet. The third client stores the product from the corresponding internet shopping mall or other website. A cyber split account (or debit card) is used to purchase or use paid content, and is a subject of general electronic commerce that purchases goods or uses paid content described below.

The present invention can be divided into two types according to the cyber split account (or debit card) issuing institution, and a total of six depending on the nature of the agency acting as a relay during payment processing using the cyber split account (or debit card). First of all, it can be divided into the number of cases.

Issuing a cyber split account (or debit card) through a web server and making payment with only the web server and the bank server without the intervention of a payment gateway (PG), and the bank server of the bank account holding client (master) How to issue a cyber split account (or debit card) directly on request and make payment for the use of the split account (or debit card) through a payment agency (PG); Issuing a payment and without a payment agency (PG) intervention, and issuing a cyber split account (or debit card) through a web server, and through a payment agency (PG) and a bank server without the intervention of a web server in the payment process. How to make a payment, issue a cyber split account (or debit card) through a web server, and open a bank server without the involvement of a web server and a payment agent (PG). It provides a method to provide such a payment is made.

First, a method of issuing a cyber split account (or debit card) through a web server and payment of the cyber split account (or debit card) using only a web server and a bank server without the involvement of a payment agency (PG) ,

Receiving the own bank account information data and the slave client information data from the master client, transmitting the received data to the bank account issuing bank server and issuing the cyber split account (or debit card) from the bank server. Receiving the approval inquiry result data for the, if the issuance of the cyber split account (or debit card) to the master client according to the inquiry result is determined, the number of cyber split accounts (or as many as the number applied by the master client) Issuing a debit card and providing it to the master client, and cooperatively processing the slave client information data previously received from the master client and the issued cyber split account (or debit card) data for each slave client cyber. Generating master account (or debit card) information data and storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with master client bank account information data; Use the client's single bank account to issue multiple cyber split accounts (or debit cards).

When the cyber split account (or debit card) is used on the Internet of the slave client provided with the cyber split account (or debit card), the payment process may include an account (or debit card) provided by an Internet website requiring the payment process. Inputting the cyber split account (or debit card) information data into an information input window (or web browser), and converting the cyber split account (or debit card) information data from the website to the cyber split account (or debit card) information Transmitting the cyber splitting account (or debit card) information data received to the web server and the cyber splitting account (or debit card) information for the slave client previously stored in the web server. Comparing and analyzing the data, the cyber partition account according to the comparison and analysis results ( Extracting the master client bank account information data interworked with the debit card) data, transmitting the extracted master client bank account information data to the bank server, and transferring the bank account of the master client from the bank server. Through the step of obtaining payment approval through the payment agency (PG), the payment method is provided only by the web server and the bank server.

Secondly, a method of issuing a cyber split account (or debit card) through a web server and payment of the cyber split account (or debit card) through a payment agency (PG) and a web server and a bank server is performed.

Starting from receiving the own bank account information data and the slave client information data from the master client, the cyber partition account (or debit card) information data for the slave client is stored in the database in association with the master client bank account information data. Up to the step is the same as the first method, and in addition to the payment information (PG) or the bank for the segment information (or debit card) information for the slave client that is linked to the master client bank account information data stored in the database And transmitting to a value-added network (VAN), and issuing multiple cyber split accounts (or debit cards) using a single bank account of the master client through the steps. And so,

When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card),

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the account (or debit card) information data to the payment agency (PG) or bank account inquiry company (VAN); the cyber split account received to the payment agency (PG) or bank account inquiry company (VAN) ( Or comparing and analyzing the debit card information data and the cyber partition account (or debit card) information data for the slave client previously transmitted and stored by the web server that issued the cyber split account (or debit card), The master client linked to the cyber split account (or debit card) information data according to the comparison and analysis result A payment agency (PG) through the step of extracting row accounting information data and transmitting the extracted master client bank account information data to the bank server and obtaining a payment approval from the bank server through a bank account of the master client. ) Provides a way to make a payment through relay.

In addition, the second payment processing method,

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the account (or debit card) information data to the payment agency (PG) or bank account inquiry company (VAN); the cyber split account received to the payment agency (PG) or bank account inquiry company (VAN) ( Or comparing and analyzing the debit card information data and the cyber partition account (or debit card) information data for the slave client previously transmitted and stored by the web server that issued the cyber split account (or debit card), Refer to the comparison and analysis result to inquire whether approval for e-commerce using the cyber split account (or debit card) is approved. Transmitting the cyber partition account (or debit card) information data from the payment agency (PG) or bank account inquiry company (VAN) to the web server that issued the cyber partition account (or debit card); Comparing and analyzing the cyber split account (or debit card) information data received by the web server and the cyber split account (or debit card) information data for the slave client previously stored in the web server; and the comparison and analysis result Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data, transmitting the extracted master client bank account information data to the bank server and from the bank server Obtaining payment approval through the bank account of the master client. It provides a way to pay the agency a payment is made through (PG) and the relay of the Web server.

Thirdly, a method of issuing a cyber split account (or debit card) through a web server and payment of the cyber split account (or debit card) using only a bank server without the involvement of a web server and a payment agent (PG) is provided.

Starting from receiving the own bank account information data and the slave client information data from the master client, the cyber partition account (or debit card) information data for the slave client is stored in the database in association with the master client bank account information data. The method of the present invention is the same as the first method, and in addition, transmitting the cyber partition account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database to the bank server. Characterized in that it further comprises, through each of the steps to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client,

When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card),

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting account (or debit card) information data to the bank server, wherein the web server issuing the cyber split account (or debit card) information data and the cyber split account (or debit card) received at the bank server. Comparing and analyzing the cyber split account (or debit card) information data for the slave client previously transmitted and stored in the step, The interworking process with the cyber split account (or debit card) information data according to the comparison and analysis result Extracting master client bank account information data; and extracting the extracted master classes. It provides the Web server and payment methods without the intervention agency (PG) a payment is made only by the bank server through the steps to the benefit payments approved by the client's bank account.

Fourth, a method of issuing a cyber split account (or debit card) through a web server and payment of the cyber split account (or debit card) through a relay of a payment agency (PG),

Starting from receiving the own bank account information data and the slave client information data from the master client, the cyber partition account (or debit card) information data for the slave client is stored in the database in association with the master client bank account information data. Up to the step is the same as the first method, and in addition, the bank server and the payment agent for the cyber partition account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database (PG) or a bank account inquiry operator (VAN) characterized in that it further comprises the step, and through each of the plurality of cyber partition account using a single bank account of the master client Get a left (or debit card),

When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card),

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the account (or debit card) information data to the payment agency (PG) or bank account inquiry company (VAN); the cyber split account received to the payment agency (PG) or bank account inquiry company (VAN) ( Or comparing and analyzing the debit card information data and the cyber partition account (or debit card) information data for the slave client previously transmitted and stored by the web server that issued the cyber split account (or debit card), The master client linked to the cyber split account (or debit card) information data according to the comparison and analysis result Extracting row accounting information data and transmitting the extracted master client bank account information data to the bank server and obtaining a payment approval from the bank server through a bank account of the master client; It provides a method of making a payment through the relay of PG).

In addition, the fourth payment processing method,

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the account (or debit card) information data to the payment agency (PG) or bank account inquiry company (VAN); the cyber split account received to the payment agency (PG) or bank account inquiry company (VAN) ( Or comparing and analyzing the debit card information data and the cyber partition account (or debit card) information data for the slave client previously transmitted and stored by the web server that issued the cyber split account (or debit card), Refer to the comparison and analysis result to inquire whether approval for e-commerce using the cyber split account (or debit card) is approved. Step, transmitting the cyber split account (or debit card) information data from the payment agency (PG) or bank account inquiry company (VAN) to the bank server, the cyber split account (or debit) received by the bank server Card) information data and the cyber partition account (or debit card) information data for the slave client previously transmitted and stored by the web server that issued the cyber partition account (or debit card). Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to an analysis result and acquiring a payment approval through the extracted bank account of the master client; It provides a method of making a payment through the relay of the payment agency (PG).

Fifthly, a method of issuing a cyber split account (or debit card) through a bank server and payment of the cyber split account (or debit card) using only the bank server without the intervention of a payment agency (PG) is provided.

Receiving the bank account information data and the slave client information data owned by the master client, the authorization inquiry for issuing the cyber split account (or debit card) with reference to the received data, and according to the inquiry result Issuing the cyber splitting account (or debit card) to a master client, issuing and providing the cyber splitting account (or debit card) as many as the master client applies to the master client, the master client Generating the cyber partition account (or debit card) information data for each slave client by linking the slave client information data previously received from the cyber partition account (or debit card) data issued from the slave client information; and the generated slave. A plurality of cyber split accounts (or debit cards) using a single bank account of the master client through storing the client's cyber split account (or debit card) information data in a database in conjunction with the master client bank account information data To be issued,

When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card),

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting account (or debit card) information data to the bank server that issued the cyber split account (or debit card), the cyber split account (or debit card) information data received by the bank server and the bank server Comparing and analyzing the cyber split account (or debit card) information data for the slave client previously stored in the master client; interworking with the cyber split account (or debit card) information data according to the comparison and analysis result Extracting bank account information data, the extracted master client is To see your account information data through the steps to process a payment authorization from your bank account as a master client is provided a method of relaying a payment is made without the payment agency (PG).

Sixth, a method of issuing a cyber split account (or debit card) through a bank server and payment of the cyber split account (or debit card) through a relay of a payment agency (PG),

Receiving the client's own bank account information data and the slave client information data from the master client of the fifth method, and converting the generated cyber partition account (or debit card) information data for the master client to the master client bank account information data. And storing the data in a database in the same manner as in the fifth method. In addition, the cyber partition account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database is stored. And further comprising transmitting to a payment agency (PG) or a bank account inquiry business operator (VAN), using a single bank account of the master client through the respective steps. To receive and issue the drivers split account (or debit card)

When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card),

Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the account (or debit card) information data to the payment agency (PG) or bank account inquiry company (VAN); the cyber split account received to the payment agency (PG) or bank account inquiry company (VAN) ( Or comparing and analyzing the debit card information data and the cyber partition account (or debit card) information data for the slave client previously transmitted and stored by the bank server that issued the cyber split account (or debit card), Refer to the comparison and analysis result to check whether the electronic transaction using the cyber split account (or debit card) is approved Transmitting the cyber split account (or debit card) information data from the payment agency (PG) or the bank account inquiry company (VAN) to the bank server that issued the cyber split account (or debit card); Comparing and analyzing the cyber split account (or debit card) information data received by the bank server with the cyber split account (or debit card) information data for the slave client previously stored in the bank server; and the comparison and analysis result Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the bank account of the master client by referring to the extracted master client bank account information data; The process of processing a payment authorization tells you how to provide.

As described above, the present invention provides a cyber split account (or debit card) and payment processing method.

In addition, when the application for issuance of the cyber split account (or debit card) is received from the master client, the website information data available or unavailable on the cyber split account (or debit card), the cyber split account for the slave client (Or debit card) information data generation for the slave client in association with the cyber partition account (or debit card) information data and the website information data for generating the (debit card) information in advance to designate the available (or impossible) website of the slave client And reserving the payment authorization according to the available (or impossible) website information data of the slave client in the payment processing according to the use of the cyber split account (or debit card) on the internet of the slave client. Above each Steps provide a method for regulating the use of the spurious cyber split account (or debit card) on the Internet by the slave client.

In addition, the invention further includes the step of encrypting the password data interlocked with the cyber split account (or debit card) when the cyber split account (or debit card) is issued to the master client, the cyber split account ( Or debit card) and security and authentication methods in the payment process,

In addition, the invention of the invention when receiving a cyber split account (or debit card) to the master client, receiving the limit data per cyber split account (or debit card) from the master client and the cyber split account for the slave client (or And deciding in advance the usage limit amount of the cyber split account (or debit card) by linking the cyber split account (or debit card) information data for the slave client with the limit data when generating the debit card information data. A method of providing a cyber partition account (or a debit card) linked to the master client bank account limit as well as a method of regulating the use of an indiscriminate cyber split account (or debit card) on the Internet by the slave client is provided.

In addition, the present invention, when sending the bank account statement of the master client, by providing the details of the cyber split account (or debit card) in a separate window or by integrating with the bank account usage history of the master client, It provides a method for the master client to facilitate the inquiry of the deposit and withdrawal due to the use of the cyber split account (or debit card), and even when the account of the bank account of the master client is organized and the details of the cyber split account (or debit card) Website (including URL information) information data can be attached and provided.

In addition, the present invention, by sending the bank account statement of the master client, by providing the data of the website (including URL information) of the payment process of the cyber divided account (or debit card) attached, thereby providing the cyber divided account (or debit) Card) Provides a method of regulating and monitoring a user's (slave client's) use of an indiscriminate split account (or debit card) on the Internet.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simple block diagram in which a bank 100, a web server 105, a payment agency (PG) 110, and an Internet shopping mall 115, which are components of the present invention, are connected through the Internet.

First, prior to the description of the present invention, the client applies for issuance of a cyber split account (or debit card) and makes a payment for the use of the split account (or debit card) through a bank account in his name (master). (200) and the cyber split account (or debit card) that the client 200 applies for issuance are classified into a third client (slave) 120 actually used on the Internet. The client (120) applying for (or debit card) must have a bank account in his / her name and the client 120 can cyber-division to others (family, relatives, etc.) through the bank account. It is stated before all contents about the present invention to be described below that the account (or debit card) can be created.

In addition, the payment gateway (PG) described below can be replaced as a value added network (VAN) provider.

The web server 105 refers to a website for issuing, managing, and providing the divided account (or debit card) to a client (master) 200 who has applied for issuance of a cyber split account (or debit card). In addition, the client 200 receives information (personal identification information, account number, etc.) necessary for issuing the divided account (or debit card) from the client 200 and, upon request of the client 200, a plurality of cyber divided accounts ( Or a debit card), and the limit of the issued cyber split account (or debit card) is applied according to the inquiry details on the payment account input by the client 200. In the case of applying for issuance of a division account (or debit card) for use by a minor, such as the terms of the web server 105 that issues the division account (or debit card). By predetermining the time of publication to use or access web sites, it can prevent exposure to harmful information of minors.

In addition, the web server 105 transmits the information (the divided account (or debit card) number, password, etc.) for the cyber split account (or debit card) to the payment agency (PG) 110 to the client (master). The payment agency (PG) 110 recognizes the usage information of the cyber split account (or debit card) issued to the 200, and assigns a unique password to each split account (or debit card) for authentication. Responsible.

Client refers to the Internet users (users) to apply for and use a cyber split account (or debit card) on the Internet, and the master client 200 uses the web server 105 to open the split account (or debit card). Application and publication are available. When it is issued, information about the bank account in the name of the user must be input to the web server 105, and other simple personal information and simple personal information of the clients 120 using the split account (or debit card). Fill in is required. Clients 120 that actually use the split account (or debit card) on the Internet may obtain a cyber split account (or debit card) through the master client 120.

Due to the split account (or debit card), clients (slave) 120 without a bank account can use a cyber split account (or debit card) to purchase goods or use paid content on the Internet, and in the case of a minor The use of the split account (or debit card) can be regulated (blocking harmful information) by determining which websites are allowed or disallowed.

The bank is a bank that has an account inputted by the master client 200 as a payment method for issuing a split account (or debit card). The bank displays inquiry information of the payment account required for issuing a cyber split account (or debit card). Provided to the server 105, and serves to make payment for the use of the cyber split account (or debit card) through the payment account.

2 is a simple block diagram illustrating a process in which the master client 200 receives a cyber split account (or debit card) and distributes the same to the client 120.

When a client (master) 200 who wants to apply for a cyber split account (or debit card) first applies for issuance to the web server 105 that issues a cyber split account (or debit card) (2-1), the web server In step 105, the client 105 requests an inquiry and issuance authorization to the bank 100 of the payment account where the division account (or debit card) input by the client (master) is to be set (2-2). When the bank 100 transmits the issuance authorization to the web server 105 (2-3), the web server 105 issues a cyber splitting account (or debit card) to the master client 200 (2-4). . The master client 200 distributes a plurality of issued cyber partition accounts (or debit cards) to the corresponding clients 120 (2-5).

The cyber split account (or debit card) can be issued by the master client 200 and payment for the use of the account (or debit card) is made through the payment account of the master client 200.

3 is an account information database 125 included in a web server 105 and storing client account information input from a client 200 that has applied for issuing a cyber split account (or debit card). It is a simple diagram.

The database 125 is included in the web server 105 and stores account related information entered by the master 200 at the time of issue of the cyber split account (or debit card), and the main account information 300 ) And a plurality of divided account information (305). The web server 105 performs work on the usage history and payment history of the cyber split account (or debit card) based on the information stored in the database 125.

FIG. 4 is a simplified block diagram showing the specific details of the main account information 300 of the master client 200 stored in the account information database 125 shown in FIG.

The main account information includes the main account number data including the name and personal information of the master client and payment account information. The main account number data is linked to each split account number, and the split account information including the cyber split account (or debit card) number, password, and expiration date is also linked. It is also possible to include more detailed data in order to facilitate the use of the cyber split account (or debit card).

The primary account number data stores the numbers of the issued cyber split account (or debit card), and also includes a password that matches each split account (or debit card). The number of the divided account (or debit card) can be used by adding a random number to the back of the payment account number of the master client 200 or according to a certain format according to the terms of the web server 105. have.

The limit of a split account (or debit card) is generally set by the master client 200 or set by the web server 105 within the terms of the web server 105 that issues the split account (or debit card). In addition, if the use exceeds the limit of the split account (or debit card) is bound to be prohibited.

The validity period of the cyber split account (or debit card) is the same as that of the above limit, and the cyber split account (or debit card) can be used only within the validity period.

The credit rating required for issuing the split account (or debit card) that can be included in the account information is obtained by the bank 100 inquiring at the request of the web server 105 at the time of issuing the cyber split account (or debit card). Data that corresponds to the frequency of illegal use or missed payment of the cyber split account (or debit card) may be added to affect the issuance or use of the split account (or debit card).

FIG. 5 is a simplified configuration diagram showing in more detail the divided account (or debit card) information 305 stored in the account information database 125 shown in FIG.

The split account information 305 includes the name and personal information of the client 120 using the cyber split account (or debit card) and the respective split account (or debit card) information. The divided account number data that can be included in the information stores unique passwords, limit amounts, expiration dates, and information on accessible websites.

When the client 120 using the split account (or debit card) is a minor, information about a website or paid content that is available or unavailable may be included. If the client 120 accesses an unavailable website or paid content and attempts to purchase a product or use the content with the divided account (or debit card), the web server 105 may use the account information database 125. Stop using the divided account (or debit card) with reference to the divided account information 305 included in the information, and transmit the details to the master client 200 or information on the impossible website or content in the transaction statement. (At time, URL, etc. to be used) is attached so that the master client 200 can be confirmed.

FIG. 6 is an exemplary diagram showing a list of websites that are available or accessible (not available) by a minor client included in the divided account information 305 in the account information database 125 described in FIG.

The website list data available or accessible (not available) shown in this drawing is harmful to a minor client who will use the split account (or debit card) by the master client 200 who applied for issuing a cyber split account (or debit card). Data entered at the time of issue of the split account (or debit card) for information blocking.

FIG. 7 is a data sheet model in which transaction details of a cyber split account (or debit card) stored in the transaction information database 130 included in the web server 105 are transferred from the split account to the main account. .

In this figure, it can be seen that the transaction details of the client 120 using each divided account are summed up for a predetermined period and transferred to the main account. It also reveals that the transactions can be transferred to the main account in real time.

The number of the divided account (or debit card) may be used by adding an arbitrary number to the main account number or may include a number including a symbol such as a hyphen (-). It also reveals that the cyber partition account (or debit card) may follow a certain form specified in the terms and conditions prescribed by the organization that issues the debit card.

8 is a simple flowchart illustrating a process of issuing a cyber split account (or debit card) to the client 200 through the web server 105. As shown in FIG.

When the client (master) 200 wishing to issue a cyber split account (or debit card) connects to the web server 105 to apply for issuing a cyber split account (or debit card) (800), the web server 105 returns the above. The client 200 receives personal information necessary for issuing the split account (or debit card) and a payment account number for payment of the use of the split account (or debit card) (805). The payment account is an account of the name of the client 200 who applied for issuing a cyber split account (or debit card), and is responsible for all payments for the use of the cyber split account (or debit card) issued. When the information is received from the client 200 to issue the divided account (or debit card), the web server 105 requests the information inquiry about the payment account through the bank 100 (810).

The bank 100 determines whether or not it can be issued by inquiring the account information and transmits it to the web server 105. If the issue is possible, the web server 105 transmits the issueable message to the client 200 (820) and receives personal information of the client (slave) 120 to use the split account (or debit card). (835) The client 200 issues a number of cyber partition accounts (or debit cards) as requested (840) and stores all the above information in the account information database 125 (845). If it is determined that issuance is not possible through the inquiry of the payment account (825), the non-issuance message is transmitted (830) and the issuance process is terminated.

The cyber split account (or debit card) may be determined according to the transaction details of the account to be settled or the credit level of the client (master) 200, or the like. The number of issuances of the corresponding cyber split account (or debit card) may be determined according to the number of issuances determined by the terms and conditions.

The web server 105 requests an inquiry to the corresponding bank 100 by referring to the payment account number inputted by the master client 200 for payment when issuing the first cyber split account (or debit card) and the client 200. ), Such as reducing the number of issuance of the split account (or debit card) or reducing the expiration date, based on the creditworthiness or transaction period, etc., and also after the cyber split account (or debit card) is issued. If the transaction details or credit rating of the account is determined to be less than the general standard, he may cancel the previously issued cyber split account (or debit card).

FIG. 9 is a simplified flowchart illustrating a process of using goods or paid contents with a cyber split account (or debit card) from a client 120 who uses a cyber split account (or debit card) on the Internet.

The client 120 that obtains the cyber split account (or debit card) and the corresponding password from the web server 105 through the master client 200 is 900, the Internet shopping mall 115, or other paid content providing website. When accessing (905) and selecting the desired product or paid content (910), the shopping mall 115 will request a payment method for the selection (915). When the client 120 selects a cyber split account (or debit card) as a payment method, the shopping mall 115 provides a web browser for inputting cyber split account (or debit card) information (920).

In this case, the web browser for inputting the cyber split account (or debit card) information may be configured in a separate form from a web browser for inputting an existing bank account or credit card information, or a web browser for inputting an existing bank account or credit card information. It can be used together.

If the client selects another payment method (930), it provides a payment information input window for the corresponding payment method (935).

After the payment method is set as the cyber split account (or debit card), a web browser for inputting the cyber split account (or debit card) information appears, and the client (slave) 120 determines the cyber split account (or Debit card) and the basic information (purchase or not), such as the purchase of the corresponding password and input the product (925). When the information on the divided account (or debit card) is received, the selected product is purchased or the paid content is used. (945) The payment for the product purchase is the payment account of the master client 200. Payment is made through 955.

10 is a simplified flowchart illustrating a process of using a cyber split account (or debit card) of a client 120 in the position of an Internet shopping mall 115.

When the client (slave) 120 having a cyber split account (or debit card) connects (1000) and selects a product or paid content, the shopping mall 115 checks the selected product or paid content (1005). The client 120 is provided with a web browser capable of inputting the means. (1010) Upon receiving a response from the client 120 to use a split account (or debit card) (1015), the shopping mall 115 is cyber. Presenting a web browser that can enter the split account (or debit card) information and receives the split account (or debit card) information from the client 120 (1020).

When the split account (or debit card) information input from the client 120 is completed, the Internet shopping mall 115 transmits the information to the payment agency (PG) 110 to determine whether the split account (or debit card) can be used. If it is possible to check and use the client 120 provides the selected goods or paid content and transmits the details to the payment agency (PG) (110).

The Internet shopping mall 115 may be in a strategic alliance with the web server 105 that issued the cyber split account (or debit card) to facilitate the use of the cyber split account (or debit card), which is one of payment methods. Can be.

11 is a simplified flow diagram illustrating the process by which a cyber split account (or debit card) is used from the point of view of a payment agency (PG) 110.

Through the master client 200, the web server 105 issues a cyber split account (or debit card) to the slave client 120 and the payment agency (PG) 110 from the web server 105 to the split account (or Debit card information (such as a cyber split account (or debit card) number or data for recognizing the split account (or debit card)) is received (1100). When the information is received, the payment agency (PG) 110 stores the information in its own database (1105).

The client (slave) 120 having a cyber split account (or debit card) accesses the Internet shopping mall 115, selects a split account (or debit card) as a payment method after purchasing a product or selecting paid content, and then the corresponding split account. (Or debit card) information is entered into the payment agency (PG) 110 receives payment details and split account (or debit card) information from the shopping mall 115 (1110) the cyber split account (or debit card) The request is made to the web server 105 that issued the request (1115). When a response to the payment approval is received from the web server 105, the details are transmitted to the Internet shopping mall 115 (1120).

Payment Gateway (PG) means payment of goods sold between a purchasing client and a selling client in electronic commerce using various payment methods such as bank transfer, credit account (or debit card), and electronic money. The payment agency described in the present invention refers to an Internet payment settlement service that supports the service, and the value added network (VAN) service provider is also available.

Fig. 12 is a simplified flowchart showing the process of using the split account (or debit card) in the position of the web server 105 which issued the cyber split account (or debit card).

When an authentication request for the use of the cyber split account (or debit card) is received from the paying agency (PG) 110 (1200), the web server 105 stores the split account (or the account stored in the account information database 125). The debit card is compared with the information of the debit card (1205). When authentication for using the split account (or debit card) is completed (1210), payment account (account of the master client) of the split account (or debit card) is extracted (1225).

The web server 105 transmits the information to the bank 100 using the extracted payment account information, and transmits the authentication details to the Internet shopping mall 115 (1230).

The information transmitted from the payment agency (PG) 110 includes a password (or authentication number) assigned at the time of issuing the split account (or debit card), and the web server 105 uses public key-based encryption or the like. It is specified that the encryption authentication technology can be applied to the cyber split account (or debit card) to determine whether the authentication is performed.

Fig. 13 is a simplified flowchart showing the overall process of making a payment for the use of a cyber split account (or debit card).

When a client (slave) 120 having a cyber split account (or debit card) accesses an internet shopping mall 115 and selects a product (1300), the internet shopping mall 115 is a payment agency (PG) 110. The divided account (or debit card) information and the product details are transmitted (1305). The payment agency (PG) 110 requests the approval of the purchase of the product to the web server 105 with reference to the received information (1310) and the web server 105 received the approval request is the cyber partition account (or The payment account corresponding to the debit card) is extracted (1315).

If it is possible to extract the payment account, the web server 105 requests the payment approval from the payment agency (PG) 110 to the bank 100 of the extracted payment account (1320). The bank 100 transmits a response to the payment approval to the web server 105 (1335), and the web server 105 transmits the received response to the payment agency (PG) 110 (1340).

The payment agency (PG) 110 transmits the payment approval permission to the Internet shopping mall 115 based on the response received from the web server 105 (1345), the Internet shopping mall 115 is the client 120 The selected product is provided (1350). When the bank 100 pays the purchase price for the product to the payment agency (PG) 110 (1355), the payment agency (PG) 110 pays the price to the Internet shopping mall 115 (1360). ).

14 illustrates the use of the split account (or debit card) with a web server 105 that issues a cyber split account (or debit card) and the bank 100 alone without the intervention of a payment agency (PG) 110. It is an exemplary embodiment in which payment is made.

The embodiment is a network component, without the payment agency (PG) 110 intervening, the web server 105 is responsible for issuing the cyber divided account (or debit card) and the payment bank 100 and the Internet shopping mall ( Located in the middle of the 115 step to accept the authorization request coming from the shopping mall 115 and confirms the role to request the payment to the bank 100 and manages the divided account (or debit card) issued and Provide related services.

In addition, the web server 105 may serve as a payment agent (PG) 110 and information necessary for issuing the divided account (or debit card) from the client (master) 200 (personal information, retained) Credit card information, etc.) to issue a plurality of cyber split accounts (or debit cards) on the Internet in response to a request of the client 200, and a split account (or debit card) to be used by a minor In the case of issuing, the master client 200 to prevent the exposure of harmful information of the minor by inputting a predetermined or available website at the time of publication in advance.

The client 120 may obtain the split account (or debit card) through the master client 200 and use it on the Internet, and may purchase goods or use paid contents on the Internet without a separate bank account. The use of a cyber split account (or debit card) becomes available, and in the case of minors, the use of the split account (or debit card) can be regulated by restricting the use (blocking harmful information) of the website. Can be.

FIG. 15 is a simplified flowchart illustrating a process of using a cyber split account (or debit card) in the point of view of the Internet shopping mall 115 in the embodiment of FIG.

When a client (slave) 120 having a cyber split account (or debit card) accesses and selects a product or paid content (1500), the shopping mall 115 confirms the selected product or paid content (1505) A web browser is provided to the client 120 capable of inputting the means (1510). Upon receiving a response from the client 120 to use a split account (or debit card) (1515), the shopping mall 115 receives the client (via the web browser) that can input cyber split account (or debit card) information. In step 1520, split account (or debit card) information is input from the user.

When the split account (or debit card) information input from the client 120 is completed, the Internet shopping mall 115 transmits the information to the web server 105 to check whether the split account (or debit card) is available ( 1525, if available, the client 120 provides the selected product or paid content (1530) and transmits the details to the web server 105 (1540).

In order to accomplish the above process, the Internet shopping mall 115 may be in a strategic alliance with the web server 105 that issued the cyber partition account (or debit card).

FIG. 16 is a simplified flowchart showing a process in which a cyber split account (or debit card) is used in the position of the web server 105 in the embodiment of FIG.

When the authentication request for the use of the cyber split account (or debit card) is received from the Internet shopping mall 115 (1600), the web server 105 stores the split account (or debit card) stored in the account information database 125. (1605) it is determined whether or not the correspondence is compared with the information. If there is a match, authentication for using the split account (or debit card) is completed (1610), and payment account (master client's account) information of the split account (or debit card) is extracted (1625).

If it does not match (1615), the split account unavailable message is sent (1620) and the process ends.

The web server 105 transmits the information to the bank 100 using the extracted payment account information and transmits the authentication details to the Internet shopping mall 115 (1630).

FIG. 17 is a simple flowchart showing the overall payment process resulting from the use of a cyber split account (or debit card) in the embodiment of FIG.

When a client (slave) 120 having a cyber split account (or debit card) accesses an internet shopping mall 115 and selects a product (1700), the internet shopping mall 115 sends the split account to a web server 105. (Or debit card) information and product details are transmitted (1705). The web server 105 determines whether to extract the payment account corresponding to the cyber split account (or debit card) with reference to the received information (1710).

If it is possible to extract the payment account, the web server 105 requests payment approval from the payment agent (PG) 110 to the bank 100 of the extracted payment account (1715) and the bank 100. ) Transmits a response to the payment approval to the web server 105 (1730).

The web server 105 transmits the payment approval permission to the Internet shopping mall 115 based on the response received from the payment bank 100 (1735). The Internet shopping mall 115 selects the product selected by the client 120. In operation 1740, the bank 100 pays a purchase price for the product to the Internet shopping mall 115 (1745).

18 shows that the web server 105 issues a cyber split account (or debit card) and provides the bank 100 with the split account (or debit card) information, and the bank 100 and the payment agency (PG). It is an exemplary embodiment in which payment for the use of the cyber split account (or debit card) is made only at 110.

In this embodiment, the web server 105 receives the information (personal information, account number, etc.) necessary for issuing the cyber split account (or debit card) on the Internet at the request of the master (200). It is responsible for issuing, managing and providing a number of cyber partition accounts (or debit cards).

Clients applying for the limit or period of use of the cyber split account (or debit card) issued through the web server 105 according to the inquiry details of the payment account for which the use of the split account (or debit card) will be paid (master) 200 may be determined arbitrarily or according to the terms and conditions of the web server 105 that issues the divided account (or debit card), and when applying for issuing a divided account (or debit card) for use by a minor In addition, it is possible to prevent minors from exposing harmful information by making pre-determination at the time of publication.

In addition, the web server 105 only participates in issuance of the divided account (or debit card) and the like and does not participate in the settlement process. In order to settle the cyber split account (or debit card) according to the present embodiment, the web server 105 transmits the split account information 305 to the bank 100 at the same time as the issuance of the split account (or debit card). The payment is made through the bank 100 and the payment agency 110.

FIG. 19 is a simple flowchart illustrating a process of issuing a cyber partition account (or debit card) to the client 200 through the web server 105 in the embodiment of FIG.

When the client (master) 200 who wishes to issue a cyber split account (or debit card) connects to the web server 105 and requests to issue a cyber split account (or debit card) (1900), the web server 105 may execute the above. The client 200 receives personal information necessary for issuing the split account (or debit card) and a bank account number capable of payment for the use of the split account (or debit card) (1905).

The payment account is an account of the name of the client 200 who applied for issuing a cyber split account (or debit card), and is responsible for all payments for the use of the cyber split account (or debit card) issued. When the information is received from the client 200 for issuing the divided account (or debit card), the web server 105 requests an inquiry about the payment account through the corresponding bank 100 (1910).

The bank 100 determines whether or not it can be issued by inquiring the account information and transmits it to the web server 105. If the issue is possible, the web server 105 transmits a publishable message to the client 200 (1920) and receives personal information of the client 120 to use the split account (or debit card). (1935) The number of cyber divide accounts (or debit cards) applied by the client (master) 200 is issued (1940) and all the information is stored in the account information database 125 (1945) The account information is transmitted to the bank 100 (1950) so that payment for the use of the cyber split account (or debit card) can be made later. If it is determined that the issuance is impossible through the inquiry of the payment account (1925), a non-issuance message is transmitted (1930) and the issuing process is terminated.

The cyber split account (or debit card) may be determined according to the transaction details of the account to be settled or the degree of credit of the master client 200, or the like, and may be determined by the client 200 or the terms of the web server 105. The number of issuances of the corresponding cyber split account (or debit card) may be determined according to the number of issuances determined.

The web server 105 requests an inquiry to the corresponding bank 100 by referring to the payment account number inputted by the master client 200 for payment when issuing the first cyber split account (or debit card) and the client 200. Take measures such as reducing the number of issuance of the split account (or debit card) or reducing the expiration date based on the credit rating, transaction period, etc., and even after the cyber split account (or debit card) is issued. You may cancel your previously issued cyber split account (or debit card) if you believe that your account's transaction history or credit rating is below the general criteria. ), It may be given certain benefits such as speeding up the issuance time or considering extending the validity period.

In addition, when issuing a cyber split account (or debit card) to be used by a minor client, the master client 200 to prevent the exposure of harmful information by the minor by entering in advance a website that can be used or accessed (non-) You can view the usage statement with the URL for monitoring on the Internet.

20 is a simplified flow diagram illustrating the process by which a cyber split account (or debit card) is used from the point of view of a payment agency (PG) 110.

Through the master client 200, the web server 105 issues a cyber split account (or debit card) to the client 120 and the payment agency (PG) 110 sends the split account from the web server 105. Information regarding the debit card (such as a cyber divided account (or debit card) number or data for recognizing the divided account (or debit card)) is received (2000). When the information is received, the payment agency (PG) 110 stores the information in its own database (2005).

A client 120 having a cyber split account (or debit card) accesses the Internet shopping mall 115 and selects a split account (or debit card) as a payment method after purchasing a product or selecting paid content. Or enter the debit card information payment agency (PG) 110 receives the payment history and split account (or debit card) information from the shopping mall 115 (2010) to the bank 100 with the payment account Send information and ask whether you can pay (2015). When a response to the payment approval is received from the bank 100, the details are transmitted to the internet shopping mall 115 (2020).

Payment Gateway (PG) means payment of goods sold between a purchasing client and a selling client in electronic commerce using various payment methods such as bank transfer, credit account (or debit card), and electronic money. The payment agency (PG) 110 described in the present invention refers to a payment service for internet payment so that it supports the value-added network (VAN) service provider.

FIG. 21 is a simplified flowchart illustrating the overall process of making a payment for the use of a cyber split account (or debit card) in the embodiment of FIG.

When a client (slave) 120 having a cyber split account (or debit card) accesses an internet shopping mall 115 and selects a product (2100), the internet shopping mall 115 is a payment agency (PG) 110. The divided account (or debit card) information and the product details are transmitted (2105). The payment agency (PG) 110 makes a request for approval of the purchase of the product to the corresponding bank 100 having a payment account with reference to the received information (2110) and the bank 100 receiving the request for approval is The payment account corresponding to the cyber split account (or debit card) is extracted (2115).

If it is possible to extract the payment account, the bank 100 transmits a response to the payment approval to the payment agency (PG) 110 (2120). The payment agency (PG) 110 transmits the payment approval permission to the Internet shopping mall 115 based on the response received from the bank 100 (2135) and the Internet shopping mall 115 is the client 120 The selected product is provided (2140). When the bank 100 pays the purchase price for the product to the payment agency (PG) 110 (2145), the payment agency (PG) 110 pays the price to the Internet shopping mall 115 (2150). ).

22 shows that the web server 105 issues a cyber split account (or debit card) to provide the bank 100 with the split account (or debit card) information, without the intervention of the payment agency (PG) 110. The bank 100 is an embodiment of the payment is made for the use of the cyber split account (or debit card) in direct connection with the Internet shopping mall (115).

In this embodiment, the web server 105 receives the information (personal information, account number, etc.) necessary for issuing the cyber split account (or debit card) from the master client 200 in response to a request of the client 200. Therefore, it is responsible for issuing, managing and providing a plurality of cyber split accounts (or debit cards) on the Internet, and is only involved in issuing the split accounts (or debit cards) and not participating in the payment process. In order to settle the account (or debit card), the web server 105 transmits the divided account information to the bank 100 at the same time as the issuance of the divided account (or debit card) so that the payment is made.

In addition, the limit or the period of use of the cyber split account (or debit card) issued through the web server 105 is applied in accordance with the inquiry details of the payment account for which the use of the split account (or debit card) will be settled. The client (master) 200 can be determined arbitrarily or by the terms and conditions of the web server 105 for issuing the divided account (or debit card), and apply for issuing a divided account (or debit card) for use by a minor. In this case, it is possible to prevent the exposure of harmful information by minors by pre-determining the available or accessible website at the time of publication.

In this figure, the bank 100 is a bank having an account inputted by the client 200 as a payment method for issuing a split account (or debit card), and is required for issuing a cyber split account (or debit card). Provides the inquiry information of the payment account to the web server 105, and serves to make the payment for the use of the cyber split account (or debit card) through the payment account.

In addition, a strategic alliance with the Internet shopping mall 115 allows payment for the use of the split account (or debit card) without intervention of the payment agency (PG) 110.

FIG. 23 is a simplified flowchart showing a process of using a cyber split account (or debit card) in the point of view of the Internet shopping mall 115 in the embodiment of FIG.

When a client (slave) 120 having a cyber split account (or debit card) accesses and selects a product or paid content (2300), the shopping mall 115 confirms the selected product or paid content (2305). A web browser capable of inputting a means is provided to the client 120 (2310). Upon receiving a response from the client 120 to use a split account (or debit card) (2315), the shopping mall 115 may input the cyber split account (or debit card) information to the web browser (or payment information). In operation 2320, split account (or debit card) information is input from the client 120 through an input window.

When the split account (or debit card) information input from the client 120 is completed, the Internet shopping mall 115 transmits the information to the bank 100 to check whether the split account (or debit card) is available ( Authentication request) (2325) If available, the client 120 provides the selected product or paid content (2330) and transmits the details to the bank 100 (2340).

In order to accomplish the above process, the Internet shopping mall 115 may be in a strategic alliance with the web server 105 that issued the cyber partition account (or debit card).

FIG. 24 is a simple flowchart showing the overall payment process resulting from the use of a cyber split account (or debit card) in the embodiment of FIG.

This figure shows that payment is made through a strategic alliance with only the payment bank 100 and the Internet shopping mall 115 without the intervention of the payment agency (PG) 110 in the payment process for the use of the divided account (or debit card). Indicate the process.

When the client (slave) 120 having a cyber split account (or debit card) accesses the internet shopping mall 115 and selects a product (2400), the internet shopping mall 115 is a corresponding bank 100 having a payment account. The split account (or debit card) information and product details are transmitted (2405). The bank 100 determines whether the payment account corresponding to the cyber split account (or debit card) is extracted with reference to the received information (2410).

If it is possible to extract the payment account, the bank 100 transmits a response to the payment approval to the Internet shopping mall 115 (2415) and the shopping mall 115 that receives the response to the payment approval is the client 120 ) Provides the selected product (2430) and the bank 100 pays the purchase price for the product to the Internet shopping mall 115 (2435).

25 shows a bank 100 having a payment account of a master client 200 directly issues a cyber split account (or debit card) and associates with a payment agency (PG) 110 to the cyber split account (or debit card). Is an embodiment in which payment is made for the use of.

In the present embodiment, the bank 100 refers to a bank having a payment account for paying for the use of the cyber split account (or debit card) to be issued. The bank information database 125 and the transaction information database 130 are referred to. It manages the split account (or debit card), receives the information (personal information, account number, etc.) necessary for issuing the cyber split account (or debit card) to the request of the client (master) (200) Accordingly, it is responsible for issuing a plurality of cyber split accounts (or debit cards) and providing related services on the Internet.

In addition, the limit or period of use of the cyber split account (or debit card) issued through the bank 100 may be applied according to the inquiry details of the payment account for which the use of the split account (or debit card) will be paid. The client (master) 200 may be determined arbitrarily or by the terms and conditions of the bank 100 that issues the split account (or debit card), and applies for issuing a split account (or debit card) for use by a minor. In this case, it is possible to prevent the exposure of harmful information by minors by pre-determining the available or accessible website at the time of publication.

FIG. 26 is a simple block diagram illustrating a process in which the master client 200 receives a cyber split account (or debit card) from the bank 100 and distributes the same to the client 120.

When a client (master) 200 who wishes to apply for a cyber split account (or debit card) first applies for issuance to a bank (bank with an account of the person) 100 that issues a cyber split account (or debit card) ( 26-1), the bank 100 determines whether the payment account for payment of the divided account (or debit card) inputted by the client 200 is made and whether or not to approve issuance (26-2). (Or a debit card) through the client 200 (26-3). The client 200 distributes a plurality of issued cyber partition accounts (or debit cards) to the corresponding client (slave) (26-4).

The cyber split account (or debit card) can be issued by the master client 200, and payment for the use of the account (or debit card) is made through a payment account input by the master client 200.

FIG. 27 is a simple flowchart illustrating a process of issuing a cyber split account (or debit card) to the client 200 through the bank 100 according to the embodiment of FIG. 25.

When the client 200 wishing to issue a cyber split account (or debit card) connects to the bank 100 and requests to issue a cyber split account (or debit card) (2700), the bank 100 is The client 200 receives personal information necessary for issuing the divided account (or debit card) and a payment account number capable of payment for the use of the divided account (or debit card) (2705).

The payment account is an account of the name of the client 200 who applied for issuing a cyber split account (or debit card), and is responsible for all payments for the use of the cyber split account (or debit card) issued. When the information regarding issuance of the divided account (or debit card) is received from the client 200, the bank 100 performs an inquiry on the payment account for issuing the divided account (or debit card) (2710). In step 2715, it is determined whether a cyber split account (or debit card) can be issued.

If the issue is possible, the bank 100 transmits an issueable message to the client 200 (2720) and receives personal information of the client 120 to use the split account (or debit card) ( 2735, the client 200 issues a cyber partition account (or debit card) as many as the number applied for (2740) and stores all the information in the account information database 125 (2745). If it is determined that the issuance is impossible through the inquiry of the payment account (2725), the non-issuance message is transmitted (2730) and the issuing process is terminated.

The cyber split account (or debit card) may be issued or not depending on the transaction details of the account to be paid or the creditworthiness of the client (master) 200, and may be determined by any of the clients 200 or the corresponding bank 100. The number of issuances of the cyber split account (or debit card) may be determined according to the number of issuances determined by the terms and conditions of the present invention.

The bank 100 may take measures such as reducing the number of issuances of the divided account (or debit card) or reducing the validity period based on the degree of credit or transaction period of the client 200 when the payment account is inquired. In addition, if the transaction details or credit rating of the payment account is determined to be less than the general standard even after the cyber split account (or debit card) is issued, the previously issued cyber split account (or debit card) may be canceled. In the case of accounts with a high level of credit and good credit, it is noted that certain benefits may be provided, such as speeding up the issuance time of a split account (or debit card) or considering extending an expiration date.

In addition, when issuing a cyber split account (or debit card) to be used by a minor client, the master client 200 to prevent the exposure of harmful information by the minor by entering in advance a website that can be used or accessed (non-) You can view the usage statement with the URL for monitoring on the Internet.

FIG. 28 is a simplified flowchart showing a process in which the split account (or debit card) is used in the position of the bank 100 that issues the cyber split account (or debit card) in the embodiment of FIG.

The bank 100 receives the authentication request for the use of the issued cyber partition account (or debit card) from the payment agency (PG) 110 (2800) and the partition which was stored in the account information database 125. The information of the account (or debit card) is compared (2805).

If the information is matched through the comparison of the information, the authentication for the use of the split account (or debit card) is completed (2810) and the payment account of the split account (or debit card) is extracted (2825). The payment is approved based on the payment account information. Further, the authentication details are transmitted to the Internet shopping mall 115 where the client 120 purchases a product (2830).

FIG. 29 is a simplified flowchart illustrating the overall process of making a payment for the use of a cyber split account (or debit card) in the embodiment of FIG.

When a client (slave) 120 having a cyber split account (or debit card) accesses the Internet shopping mall 115 and selects a product (2900), the Internet shopping mall 115 is a payment agency (PG) 110. The divided account (or debit card) information and the product details are transmitted (2905). The payment agent (PG) 110 refers to the bank 100 that issued the split account (or debit card) with reference to the received information and requests for approval of the purchase of the product (2910). The bank 100 extracts a payment account matching the cyber split account (or debit card) (2915).

If it is possible to extract the payment account, the bank refers to the extracted information to approve payment for the divided account (or debit card) (2920) and transmits the details to the payment agency (PG) 110 (2935). ). The payment agency (PG) 110 transmits the payment approval details received from the bank 100 to the Internet shopping mall 115 (2940) and the Internet shopping mall 115 to provide a product selected by the client 120 (2945) When the bank 100 pays the purchase price for the product to the payment agency (PG) 110 (2950), the payment agency (PG) 110 pays the price to the Internet shopping mall 115 (2955). ).

30 shows a bank 100 having a payment account of a master client 200 directly issues a cyber split account (or debit card) and the cyber split account (or debit card) without the intervention of a payment agency (PG) 110. Is an embodiment in which payment is made for the use of.

In the present embodiment, the payment process is performed by a strategic alliance between the bank 100 that issued the split account (or the debit card) and the Internet shopping mall 115 without the involvement of the payment agency 110 in the payment process.

The bank 100 refers to a bank having a payment account for paying for the use of a cyber split account (or debit card) to be issued. The bank 100 has an account information database 125 and a transaction information database 130. Manages an account (or debit card), receives the information (personal information, account number, etc.) necessary for issuing the cyber split account (or debit card) on the Internet at the request of the master (200) It is responsible for issuing multiple cyber split accounts (or debit cards) and providing related services.

In addition, the limit or period of use of the cyber split account (or debit card) issued through the bank 100 may be applied according to the inquiry details of the payment account for which the use of the split account (or debit card) will be paid. The client (master) 200 may be determined arbitrarily or by the terms and conditions of the bank 100 that issues the split account (or debit card), and applies for issuing a split account (or debit card) for use by a minor. In this case, it is possible to prevent the exposure of harmful information by minors by pre-determining the available or accessible website at the time of publication.

FIG. 31 is a simplified flowchart showing a process in which the split account (or debit card) is used from the viewpoint of the bank 100 that issues the cyber split account (or debit card) in the embodiment of FIG.

The bank 100 receives the authentication request for the use of the issued cyber partition account (or debit card) from the Internet shopping mall 115 (3100) and stores the partition account (or) stored in the account information database 125. A debit card) is compared (3105).

If the information is matched through the comparison of the information, the authentication for the use of the split account (or debit card) is completed (3110) and the payment account of the split account (or debit card) is extracted (3125). The payment is approved based on the payment account information (3130). The client 120 transmits the authentication details to the Internet shopping mall 115 to purchase a product.

32 is a simplified flowchart illustrating the overall process of making a payment for the use of a cyber split account (or debit card) in the embodiment of FIG.

When a client 120 having a cyber split account (or debit card) accesses an internet shopping mall 115 and selects a product (3200), the internet shopping mall 115 divides the payment account bank 100 into the payment account bank 100. The account (or debit card) information and product details are transmitted (3205), and the bank 100 extracts a payment account matching the cyber split account (or debit card) with reference to the received information (3210). .

If the payment account can be extracted, the bank 100 approves the payment for the divided account (or debit card) with reference to the extracted information (3215) and transmits the details to the Internet shopping mall 115 ( 3230, the Internet shopping mall 115 provides the goods selected by the client 120 (3235), and the bank 100 pays the purchase price of the goods to the Internet shopping mall 115 (3240).

33 is an exemplary diagram in which the usage statement of each cyber split account (or debit card) is transferred to the payment account of the master client 200.

Since payment for each cyber split account (or debit card) is processed through the payment account of the master client 200, payment details used through each cyber split account (or debit card) are settled by the master client 200. It can be a real time transfer to your account. Or, it is revealed that it may be integrated into a single statement and make a payment for a certain period in order to reduce the overload that may be burdened by the bank 100 through the transfer.

34 shows a web server 105 that issues a cyber split account (or debit card) or a web in which the bank 100 provides the transaction details of the split account (or debit card) to the master client 200 through a web browser. An example of a browser screen is shown.

The web browser screen may be provided through an institution that issued a cyber split account (or debit card), and referring to this detail, the master client may collectively review the usage history of each issued cyber split account (or debit card). 200 may monitor and manage. If the master client 200 wants to check more detailed transaction details for each split account (or debit card), the master client 200 may click and view the split account (or debit card) details.

In addition, the web browser screen may be able to query the client (slave) 120 using each cyber split account (or debit card) according to whether the client (master) 200 has permission.

FIG. 35 is an exemplary view of a web browser screen shown when the master client 200 clicks the corresponding divided account contents in order to inquire more details of one divided account (or debit card) in FIG. 34.

The figure shows an example in which the master client 200 inquires the details of the cyber split account (or debit card) used by the minor client in more detail, and after the split account (or debit card) is issued or You can find a list of websites and products or paid content that have been traded on the Internet during that time period and the corresponding amount. The information may also include a URL of a website.

When the master client 200 enters a website address or information for an adult mall at the time of issuance of the split account (or debit card) to prevent the minor client from accessing, if the minor client enters the adult mall at xx If you attempt to access or use paid content, the use of the split account (or debit card) is blocked and the record remains as shown.

36 illustrates a web provided to the client 120 for inputting payment information when the client 120 selects a cyber split account (or a debit card) as a payment method after purchasing a product in the Internet shopping mall 115 or the like. An example of a browser screen is shown.

According to the present invention, by allowing the client (master) to be provided with a number of cyber split account (or debit card) on the Internet with a bank account (payment account to pay for the use of the split account) in his name, Clients without an existing bank account may also obtain a cyber split account (or debit card) through the master and use the account (or debit card) on the Internet.

In addition, when issuing a cyber split account (or debit card) used by a minor client (slave), the client (master) decides and inputs a website and content that is available or inaccessible (disabled) in advance. It is possible to prevent harmful information exposure due to the cyber split account (or debit card) used in advance and to monitor on the Internet.

In addition, according to the present invention, the bank account of the client (master) and the cyber split account (or debit card) for the client is cascaded, so that the client (master) is automatically used when the cyber split account (or debit card) is used. By transferring through the bank account of), there is an advantage that can manage multiple cyber split account (or debit card) through a single account.

Claims (39)

Receiving a bank account information data owned by the master and a slave client information data using the cyber split account (or debit card) from a master client applying for at least one cyber split account (or debit card); Transmitting the respective data to a bank server which issued the master client-owned bank account for the authorization inquiry of each received data; Receiving authorization inquiry result data for issuing the cyber split account (or debit card) from the bank account issuing bank server; When the issuance of the cyber split account (or debit card) is confirmed to the master client according to the inquiry result, the number of cyber split accounts (or debit cards) that the master client applies for is issued and provided to the master client. Function; Generating the cyber split account (or debit card) information data for each slave client by cooperatively processing the slave client information data previously received from the master client and the issued cyber split account (or debit card) data; And And storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with the master client bank account information data. A system for providing a cyber splitting account (or debit card) for receiving a plurality of cyber splitting accounts (or debit cards) using the single bank account of the master client through the respective functions. According to claim 1, The cyber split account (or debit card) providing system, Payment for inquiring whether to approve e-commerce using the cyber split account (or debit card) for the cyber split account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database. A cyber splitting account (or debit card) payment processing system, characterized in that it further comprises a function for transmitting to a Payment Gateway or a Value-Added Network. According to claim 1, The cyber split account (or debit card) providing system, And a function of transmitting, to the bank server, cyber partition account (or debit card) information data for a slave client linked to the master client bank account information data stored in the database. Debit card) payment processing system. The method of claim 1, The payment processing system when using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Receiving the cyber partition account (or debit card) information data from an internet website requiring the payment processing; A function of comparing and analyzing the received cyber partition account (or debit card) information data with cyber partition account (or debit card) information data for the slave client previously stored in the database; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; And a function of transmitting the extracted master client bank account information data to the bank server. And a bank server configured to receive the master client bank account information data from the web server and perform payment processing (including account transfer) through the bank account of the master client. A) payment processing system. The method according to claim 1 or 2, The payment processing system when using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Receiving the cyber partition account (or debit card) information data from an internet website requiring the payment processing; A function of comparing and analyzing the received cyber partition account (or debit card) information data with cyber partition account (or debit card) information data for the slave client previously stored in the database; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; A payment gateway or a bank account inquiry service provider (Value-Added Network), comprising: a function of transmitting the extracted master client bank account information data to the bank server; A bank server that receives the master client bank account information data from the payment gateway or a bank account inquiry service provider (Value-Added Network) and performs payment processing (including account transfer) through the bank account of the master client; Cyber split account (or debit card) payment processing system characterized in that it comprises. The method according to claim 1 or 3, The payment processing system when using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Receiving the cyber partition account (or debit card) information data from an internet website requiring the payment processing; A function of comparing and analyzing the received cyber partition account (or debit card) information data with cyber partition account (or debit card) information data for the slave client previously stored in the database; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; And a bank server having a function of performing a payment process (including an account transfer) through a bank account of the master client with reference to the extracted master client bank account information data. Debit card) payment processing system. The method according to claim 1 or 4 or 5 or 6, Receiving, upon application for issuance of the cyber divided account (or debit card), website information data available or unavailable in the cyber divided account (or debit card) from the master client; When generating the cyber split account (or debit card) information data for the slave client, the slave client can use (or cannot) the cyber split account (or debit card) information data and the website information data in association. ) Pre-designating a website; And A function of suspending payment processing (including account transfer) in accordance with the website information data available (or not available) of the slave client during the payment processing according to the use of the cyber split account (or debit card) on the internet of the slave client; Cyber split account (or debit card) payment processing system characterized in that it further comprises. Receiving a bank account information data owned by the master and a slave client information data using the cyber split account (or debit card) from a master client applying for at least one cyber split account (or debit card); When the issuance of the cyber partition account (or debit card) is confirmed to the master client according to the authorization inquiry and the result of the inquiry with reference to the received data, the master client Issuing as many cyber split accounts (or debit cards) as requested and providing them to the master client; Generating the cyber split account (or debit card) information data for each slave client by cooperatively processing the slave client information data previously received from the master client and the issued cyber split account (or debit card) data; And And storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with the master client bank account information data. A system for providing a cyber splitting account (or debit card) for receiving a plurality of cyber splitting accounts (or debit cards) using the single bank account of the master client through the respective functions. According to claim 8, The cyber split account (or debit card) providing system, Payment for inquiring whether to approve e-commerce using the cyber split account (or debit card) for the cyber split account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database. A cyber splitting account (or debit card) payment processing system, characterized in that it further comprises a function for transmitting to a Payment Gateway or a Value-Added Network. The method of claim 8, The payment processing system when using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Receiving the cyber partition account (or debit card) information data from an internet website requiring the payment processing; A function of comparing and analyzing the received cyber partition account (or debit card) information data with cyber partition account (or debit card) information data for the slave client previously stored in the database; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; A function of performing a payment process (including an account transfer) through the bank account of the master client with reference to the extracted master client bank account information data; and a cyber split account (or debit card) payment process, characterized in that the system. The method according to claim 8 or 9, The payment processing system when using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Receiving the cyber partition account (or debit card) information data from an internet website requiring the payment processing; A function of comparing and analyzing the received cyber partition account (or debit card) information data with cyber partition account (or debit card) information data for the slave client previously stored in the database; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; A payment gateway or a bank account inquiry service provider (Value-Added Network), comprising: a function of transmitting the extracted master client bank account information data to the bank server; A bank server that receives the master client bank account information data from the payment gateway or a bank account inquiry service provider (Value-Added Network) and performs payment processing (including account transfer) through the bank account of the master client; Cyber split account (or debit card) payment processing system characterized in that it comprises. The method according to claim 8 or 10 or 11, Receiving, upon application for issuance of the cyber divided account (or debit card), website information data available or unavailable in the cyber divided account (or debit card) from the master client; When generating the cyber split account (or debit card) information data for the slave client, the slave client can use (or cannot) the cyber split account (or debit card) information data and the website information data in association. ) Pre-designating a website; And A function of suspending payment processing (including account transfer) in accordance with the website information data available (or not available) of the slave client during the payment processing according to the use of the cyber split account (or debit card) on the internet of the slave client; Cyber split account (or debit card) payment processing system characterized in that it further comprises. The method according to claim 1 or 8, When the cyber split account (or debit card) is issued to the master client, the cyber split account (or debit card) is further provided with a function of encrypting and providing password data linked to the cyber split account (or debit card). Debit card) and payment processing system. The method of claim 1 or 8, wherein the cyber split account (or debit card) providing system, Receiving limit data per cyber partition account (or debit card) from the master client when issuing a cyber split account (or debit card) to the master client; And When the cyber split account (or debit card) information data is generated for the slave client, the cyber split account (or debit card) information data for the slave client and the limit data are linked to each other to limit the use of the cyber split account (or debit card). And a function for specifying in advance; further comprising a cyber split account (or debit card) providing system. The system of claim 1 or 8, wherein the cyber split account (or debit card) providing system, When sending the bank statement of the master client, Providing the details of the cyber split account (or debit card) in a separate window, or The cyber split account (or debit card) providing system, characterized in that it further comprises a function of providing integrated with the bank account usage history of the master client. The said cyber division account (or debit card) provision system of Claim 1 or 8 or 15, When sending the bank statement of the master client, And a function provided by attaching payment information of the cyber divided account (or debit card) website (including URL information) information data to the cyber divided account (or debit card). The method of claim 1 or 8, wherein the database, Information data (name, social security number, bank account number, limit) of the master client, information data (name, social security number, cyber split account (or debit card) number, cyber split account (or debit card) limit and cyber of the slave client Divided account (or debit card) available (or impossible) website information) is a cyber divided account (or debit card) providing system, characterized in that the association is stored in relation to each other. A master client applying for at least one cyber split account (or debit card) and a slave client using the cyber split account (or debit card), and issue the cyber split account (or debit card) to the master client. It characterized in that it comprises a web server and the bank server that issued the master client owned bank account, A first step of receiving own bank account information data and the slave client information data from the master client; Transmitting the received data to the bank account issuing bank server and receiving authorization inquiry result data for issuing the cyber split account (or debit card) from the bank server; If issuance of the cyber split account (or debit card) is confirmed to the master client according to the inquiry result, issue as many cyber split accounts (or debit cards) as requested by the master client and provide the master client to the master client. A third step of doing; A fourth step of generating cyber split account (or debit card) information data for each slave client by linking the slave client information data previously received from the master client with the issued cyber split account (or debit card) data; And And a fifth step of storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with the master client bank account information data. Method for providing a cyber split account (or debit card) to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client through each of the steps The method of claim 18, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber split account (or debit card) information data from the website to the web server that issued the cyber split account (or debit card); Comparing and analyzing the cyber partition account (or debit card) information data received by the web server with the cyber partition account (or debit card) information data for the slave client previously stored in the web server; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; Transmitting the extracted master client bank account information data to the bank server and performing a payment process (including an account transfer) from the bank server through the bank account of the master client. How to process a split account (or debit card) payment. A master client applying for at least one cyber split account (or debit card) and a slave client using the cyber split account (or debit card), and issue the cyber split account (or debit card) to the master client. A payment gateway or bank account inquiry service provider (Value-) for inquiring whether to approve e-commerce using the web server, the bank server that issued the master client-owned bank account, and the cyber split account (or debit card). Added Network), including A first step of receiving own bank account information data and the slave client information data from the master client; Transmitting the received data to the bank account issuing bank server and receiving authorization inquiry result data for issuing the cyber split account (or debit card) from the bank server; When the issuance of the cyber split account (or debit card) is confirmed to the master client according to the inquiry result, the number of cyber split accounts (or debit cards) that the master client applies for is issued and provided to the master client. A third step of doing; A fourth step of generating cyber split account (or debit card) information data for each slave client by linking the slave client information data previously received from the master client with the issued cyber split account (or debit card) data; A fifth step of storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with master client bank account information data; And Sending the cyber partition account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database to the payment gateway or the bank account value-added network. Characterized in that it comprises a; sixth step; Method for providing a cyber split account (or debit card) to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client through each of the steps The method of claim 20, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber partition account (or debit card) information data from the website to the payment gateway or a value-added network; The cyber partition account (or debit card) information data received by the payment gateway or the value-added network and the web server that issued the cyber partition account (or debit card) Comparing and analyzing the transmitted and stored cyber segmentation account (or debit card) information data for the slave client; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; And Transmitting the extracted master client bank account information data to the bank server and performing a payment process (including an account transfer) from the bank server through the bank account of the master client. How to process a split account (or debit card) payment. The method of claim 20, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber partition account (or debit card) information data from the website to the payment gateway or a value-added network; The cyber partition account (or debit card) information data received by the payment gateway or the value-added network and the web server that issued the cyber partition account (or debit card) Comparing and analyzing the transmitted and stored cyber segmentation account (or debit card) information data for the slave client; Inquiring whether to approve the electronic commerce using the cyber split account (or debit card) with reference to the comparison and analysis result; Transmitting the cyber split account (or debit card) information data from the payment gateway or a value-added network to the web server that issued the cyber split account (or debit card); ; Comparing and analyzing the cyber partition account (or debit card) information data received by the web server with the cyber partition account (or debit card) information data for the slave client previously stored in the web server; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; Transmitting the extracted master client bank account information data to the bank server and performing a payment process (including an account transfer) from the bank server through the bank account of the master client. How to process a split account (or debit card) payment. 23. The method of claim 18 or 19 or 20 or 21 or 22, Receiving available or unavailable website information data of the cyber partition account (or debit card) from the master client upon application for issuance of the cyber split account (or debit card); When the cyber split account (or debit card) information data is generated for the slave client, the cyber split account (or debit card) information data for the slave client and the website information data are linked to each other to enable (or disable) the slave client. Designating a website in advance; And Suspending payment processing (including account transfer) in accordance with the available (or impossible) website information data of the slave client when the payment process is performed according to the use of a cyber split account (or debit card) on the internet of the slave client. Characterized in that it further comprises; A method of providing a cyber splitting account (or a debit card) and a payment processing method which regulates the indiscriminate use of a cyber splitting account (or debit card) on the Internet of the slave client through the steps. A master client applying for at least one cyber split account (or debit card) and a slave client using the cyber split account (or debit card), and issue the cyber split account (or debit card) to the master client. It characterized in that it comprises a web server and the bank server that issued the master client owned bank account, A first step of receiving own bank account information data and the slave client information data from the master client; Transmitting the received data to the bank account issuing bank server and receiving authorization inquiry result data for issuing the cyber split account (or debit card) from the bank server; When the issuance of the cyber split account (or debit card) is confirmed to the master client according to the inquiry result, the number of cyber split accounts (or debit cards) that the master client applies for is issued and provided to the master client. A third step of doing; A fourth step of generating cyber split account (or debit card) information data for each slave client by linking the slave client information data previously received from the master client with the issued cyber split account (or debit card) data; A fifth step of storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with master client bank account information data; And And transmitting, to the bank server, cyber partition account (or debit card) information data for a slave client linked to the master client bank account information data stored in the database. Method for providing a cyber split account (or debit card) to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client through each of the steps The method of claim 24, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber partition account (or debit card) information data from the website to the bank server; The cyber partition account (or debit card) for the slave client previously transmitted and stored in the web server that issued the cyber partition account (or debit card) information data and the cyber partition account (or debit card) received by the bank server. Comparing and analyzing the information data; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; And And performing a payment process (including an account transfer) through the extracted bank account of the master client. A master client applying for at least one cyber split account (or debit card) and a slave client using the cyber split account (or debit card), and issue the cyber split account (or debit card) to the master client. A payment gateway or bank account inquiry service provider (Value-) for inquiring whether to approve e-commerce using the web server, the bank server that issued the master client-owned bank account, and the cyber split account (or debit card). Added Network), including A first step of receiving own bank account information data and the slave client information data from the master client; Transmitting the received data to the bank account issuing bank server and receiving authorization inquiry result data for issuing the cyber split account (or debit card) from the bank server; When the issuance of the cyber split account (or debit card) is confirmed to the master client according to the inquiry result, the number of cyber split accounts (or debit cards) that the master client applies for is issued and provided to the master client. A third step of doing; A fourth step of generating cyber split account (or debit card) information data for each slave client by linking the slave client information data previously received from the master client with the issued cyber split account (or debit card) data; A fifth step of storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with master client bank account information data; And The bank server and the payment gateway or bank account inquiry service provider store the cyber partition account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database. The sixth step of transmitting to; characterized in that it comprises a, Method for providing a cyber split account (or debit card) to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client through each of the steps The method of claim 26, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber partition account (or debit card) information data from the website to the payment gateway or a value-added network; The cyber partition account (or debit card) information data received by the payment gateway or the value-added network and the web server that issued the cyber partition account (or debit card) Comparing and analyzing the transmitted and stored cyber segmentation account (or debit card) information data for the slave client; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; And Transmitting the extracted master client bank account information data to the bank server and performing a payment process (including an account transfer) from the bank server through the bank account of the master client. How to process a split account (or debit card) payment. The method of claim 26, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber partition account (or debit card) information data from the website to the payment gateway or a value-added network; The cyber partition account (or debit card) information data received by the payment gateway or the value-added network and the web server that issued the cyber partition account (or debit card) Comparing and analyzing the transmitted and stored cyber segmentation account (or debit card) information data for the slave client; Inquiring whether to approve the electronic commerce using the cyber split account (or debit card) with reference to the comparison and analysis result; Transmitting the cyber partition account (or debit card) information data from the payment gateway or a value-added network to the bank server; The cyber partition account (or debit card) for the slave client previously transmitted and stored in the web server that issued the cyber partition account (or debit card) information data and the cyber partition account (or debit card) received by the bank server. Comparing and analyzing the information data; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; And And performing a payment process (including an account transfer) through the extracted bank account of the master client. The method according to claim 24 or 25 or 26 or 27 or 28, Receiving available or unavailable website information data of the cyber partition account (or debit card) from the master client upon application for issuance of the cyber split account (or debit card); When the cyber split account (or debit card) information data is generated for the slave client, the cyber split account (or debit card) information data for the slave client and the website information data are linked to each other to enable (or disable) the slave client. Designating a website in advance; And Suspending payment processing (including account transfer) in accordance with the available (or impossible) website information data of the slave client when the payment process is performed according to the use of a cyber split account (or debit card) on the internet of the slave client. Characterized in that it further comprises; A method of providing a cyber splitting account (or a debit card) and a payment processing method which regulates the indiscriminate use of a cyber splitting account (or debit card) on the Internet of the slave client through the steps. A master client applying for at least one cyber split account (or debit card) and a slave client using the cyber split account (or debit card), and issue the cyber split account (or debit card) to the master client. Characterized in that it comprises a bank server, A first step of receiving own bank account information data and the slave client information data from the master client; When the issuance of the cyber partition account (or debit card) is confirmed to the master client according to the authorization inquiry and the result of the inquiry with reference to the received data, the master client A second step of issuing as many cyber split accounts (or debit cards) as requested and providing them to the master client; A third step of generating cyber partition account (or debit card) information data for each slave client by linking and processing the slave client information data previously received from the master client and the issued cyber partition account (or debit card) data; And And storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with the master client bank account information data. Method for providing a cyber split account (or debit card) to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client through the steps. The method of claim 30, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber split account (or debit card) information data from the website to the bank server that issued the cyber split account (or debit card); Comparing and analyzing the cyber partition account (or debit card) information data received by the bank server with the cyber partition account (or debit card) information data for the slave client previously stored in the bank server; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; Performing a payment process (including an account transfer) through the bank account of the master client with reference to the extracted master client bank account information data; and a cyber split account (or debit card) payment, comprising: Treatment method. A master client applying for at least one cyber split account (or debit card) and a slave client using the cyber split account (or debit card), and issue the cyber split account (or debit card) to the master client. Characterized in that it comprises a payment gateway (Payment Gateway) or a bank account lookup operator (Value-Added Network) for inquiring the approval of the e-commerce using the bank server and the cyber split account (or debit card), A first step of receiving own bank account information data and the slave client information data from the master client; When the issuance of the cyber partition account (or debit card) is confirmed to the master client according to the authorization inquiry and the result of the inquiry with reference to the received data, the master client A second step of issuing as many cyber split accounts (or debit cards) as requested and providing them to the master client; A third step of generating cyber partition account (or debit card) information data for each slave client by linking and processing the slave client information data previously received from the master client and the issued cyber partition account (or debit card) data; A fourth step of storing the generated cyber partition account (or debit card) information data for the slave client in a database in association with master client bank account information data; And Sending the cyber partition account (or debit card) information data for the slave client linked to the master client bank account information data stored in the database to the payment gateway or the bank account value-added network. Characterized in that it comprises a; sixth step; Method for providing a cyber split account (or debit card) to be issued a plurality of cyber split account (or debit card) using a single bank account of the master client through each of the steps The method of claim 32, When using the cyber split account (or debit card) on the Internet of the slave client provided with the cyber split account (or debit card), Inputting the cyber partition account (or debit card) information data into an account (or debit card) information input window (or web browser) provided by the internet website requiring the payment processing; Transmitting the cyber partition account (or debit card) information data from the website to the payment gateway or a value-added network; The cyber partition account (or debit card) information data received by the payment gateway or the value-added network and the bank server that issued the cyber partition account (or debit card) Comparing and analyzing the transmitted and stored cyber segmentation account (or debit card) information data for the slave client; Inquiring whether to approve the electronic commerce using the cyber split account (or debit card) with reference to the comparison and analysis result; Transmitting cyber split account (or debit card) information data from the payment gateway or a value-added network to the bank server that issued the cyber split account (or debit card); Comparing and analyzing the cyber partition account (or debit card) information data received by the bank server with the cyber partition account (or debit card) information data for the slave client previously stored in the bank server; Extracting the master client bank account information data interworked with the cyber split account (or debit card) information data according to the comparison and analysis result; Performing a payment process (including an account transfer) through the bank account of the master client with reference to the extracted master client bank account information data; and a cyber split account (or debit card) payment, comprising: Treatment method. 34. The method of claim 30 or 31 or 32 or 33, Receiving available or unavailable website information data of the cyber partition account (or debit card) from the master client upon application for issuance of the cyber split account (or debit card); When the cyber split account (or debit card) information data for the slave client is generated, the cyber split account (or debit card) information data for the slave client and the website information data are linked to each other to enable (or disable) the slave client. Designating a website in advance; And Suspending payment processing (including account transfer) in accordance with the available (or impossible) website information data of the slave client when the payment process is performed according to the use of a cyber split account (or debit card) on the internet of the slave client. Characterized in that it further comprises; A method of providing a cyber splitting account (or a debit card) and a payment processing method which regulates the indiscriminate use of a cyber splitting account (or debit card) on the Internet of the slave client through the steps. The method according to claim 18 or 20 or 24 or 26 or 30 or 32, When the cyber split account (or debit card) is issued to the master client, the cyber split account (or debit card) further comprises the step of encrypting and providing password data linked to the cyber split account (or debit card) Debit card) and payment method. The method according to claim 18 or 20 or 24 or 26 or 30 or 30 or 32, wherein the cyber split account (or debit card) is provided. Receiving limit data per cyber partition account (or debit card) from the master client when issuing a cyber split account (or debit card) to the master client; And When the cyber split account (or debit card) information data is generated for the slave client, the cyber split account (or debit card) information data for the slave client and the limit data are linked to each other to use the cyber split account (or debit card) limit. A method for providing a cyber split account (or debit card), characterized in that further comprises; The method according to claim 18 or 20 or 24 or 26 or 30 or 30 or 32, wherein the cyber split account (or debit card) is provided. When sending the bank statement of the master client, Providing the details of the cyber split account (or debit card) in a separate window, or Method of providing a cyber split account (or debit card) characterized in that the integration provided with the bank account usage history of the master client. 38. The method according to claim 18 or 20 or 24 or 26 or 30 or 30 or 32 or 37, wherein the cyber split account (or debit card) is provided. When sending the bank statement of the master client, Method for providing a cyber split account (or debit card) characterized in that provided by attaching the data (including URL information) of the payment process website (or debit card) of the cyber split account (or debit card). The method according to claim 18 or 20 or 24 or 26 or 30 or 30 or 32 or 37 or 38, wherein the cyber split account (or debit card) is provided. When arranging the bank account for the bank account of the master client, Entry / exit details of the cyber split account (or debit card); Method for providing a cyber split account (or debit card) characterized in that provided by attaching the information of the website (including URL information) processed payment of the cyber split account (or debit card).