KR20080033193A - Medical institution private using bank book, system and method for managing bank book and program recording medium - Google Patents

Abstract

A bankbook dedicated from a hospital, a method and a system for managing the same, and a program recording medium thereof are provided to enable the hospital to manage claim and payment of medical expenses through the dedicated bankbook linked with an insurance processing system for claiming and paying the medical expenses. A bankbook issuer(130) issues a dedicated bankbook including a medical insurance claim record field and a medical insurance process record field, and a bankbook ledger includes the same fields. An information checker checks a medical insurance claim record and a medical insurance process record corresponding to a hospital. An information storing part(120) stores the checked information to the medical insurance claim record field and the medical insurance process record field. An information writer writes the medical insurance claim record and the medical insurance process record to the medical insurance claim record field and the medical insurance process record field of the bankbook ledger when the medical insurance claim record field and the medical insurance process record field are written to the bankbook.

Description

Medical Institution Private Using Bank Book, System and Method for Managing Bank Book and Program Recording Medium}

1 is a view showing a merchant-only passbook issuing system for managing payment history of the merchant according to an embodiment of the present invention.

2 is a view illustrating a process for issuing an exclusive bank account for merchants for managing payment history of an affiliated store according to an exemplary embodiment of the present invention.

3 is a view showing a merchant issuing passbook issuing system for managing the payment history of the merchant according to another embodiment of the present invention.

4 is a diagram illustrating a process of issuing an exclusive bank account for merchants for managing payment history of an affiliated store according to another exemplary embodiment of the present invention.

5 is a view showing the configuration of the merchant bank account management system for managing the payment history of the merchant in accordance with one embodiment of the present invention.

FIG. 6 is a view illustrating a process of operating an exclusive bank account for managing payment details of an affiliated store according to an exemplary embodiment of the present invention.

7 is a diagram showing the configuration of the bill payment processing system according to an embodiment of the present invention.

8 is a diagram illustrating a process of processing a deposit payment in advance according to an embodiment of the present invention.

9 is a diagram illustrating a post-settlement process of a prepayment of a slip made in accordance with an embodiment of the present invention.

10 is a diagram showing the configuration of the bill payment processing system according to another embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of processing a payment of a slip on a slip of a slip of a slip of a slip of a slip of a slip of a slip of a slip;

FIG. 12 is a diagram illustrating a post-settlement process of a slip paid to a payment in accordance with one embodiment of the present invention.

FIG. 13 is a diagram illustrating a system for issuing a passbook for a medical institution for managing medical insurance benefits of a medical institution according to an exemplary embodiment of the present invention.

FIG. 14 is a diagram illustrating a process for issuing a bank book for a medical institution for managing a medical insurance premium of a medical institution according to an exemplary embodiment of the present invention.

FIG. 15 is a diagram illustrating a system for issuing a passbook for a medical institution for managing medical insurance benefits of a medical institution according to another exemplary embodiment of the present invention.

* Figure 16 is a view showing a medical institution passbook issuing process for managing medical insurance benefits of a medical institution according to another embodiment of the present invention.

17 is a view showing the configuration of a medical institution dedicated bank account management system for managing the medical insurance money in accordance with an embodiment of the present invention.

18 is a view showing a medical institution passbook operating process for managing medical insurance benefits of a medical institution according to an embodiment of the present invention.

19 is a diagram illustrating a medical insurance settlement processing system configuration according to an embodiment of the present invention.

20 is a diagram illustrating a medical insurance prepayment processing process according to an embodiment of the present invention.

21 is a diagram illustrating a post-settlement process of a prepaid medical insurance premium according to an embodiment of the present invention.

22 is a diagram showing the configuration of a medical insurance settlement processing system according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating a medical insurance prepayment processing process through a medical insurance collateral loan procedure according to an embodiment of the present invention. FIG.

FIG. 24 is a diagram illustrating a post-settlement process of a medical insurance premium processed as a mortgage according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: bankbook issuance server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: passbook issuer 135: passbook issuing terminal

According to the present invention, a medical insurance claim book of a medical institution which fills in information on a medical insurance claim including at least one of a date and time for claiming a medical insurance claim, contents of a medical insurance claim, a medical insurance claim amount, a medical insurance claim number, and a medical insurance payment authorization number. Completion of the entry information entry field, and the insurance processing related account entry information entry field for filling in the insurance processing related account entry information including one or more of the medical insurance payment date, medical insurance payment amount, medical insurance payment amount, medical insurance payment number It relates to a bankbook dedicated to medical institutions and a method and system for managing the bankbook.

As the quality of life improves, the national medical insurance system is being implemented as part of the social security system. As a result, most medical services except for traffic accidents are billed and paid for through the national medical insurance.

However, the medical billing and payment through the National Health Insurance is not made in real time, and if a predetermined medical bill is charged from a medical institution to the National Medical Insurance Corporation, the National Health Insurance Corporation will A review and payment approval process is performed, and payment is made to the medical institution after a certain period of time has passed even after the payment approval.

Such a time difference between medical billing and payments may impede the provider of cash flow, and in some cases, if a review of the medical billing occurs, the billed medical costs may be reduced, or the payment time may be It includes problems that get too long.

An object of the present invention for solving the above problems, medical insurance claim date and time, medical insurance claim details, medical insurance claim amount, medical insurance claim number, medical insurance claim related billing information including one or more medical insurance claim number Insurance entry for filling out the bankbook entry information related to the medical insurance claim of the medical institution to be filled out, and for filling in the insurance book related information including insurance date and time, medical insurance payment contents, medical insurance payment amount, and medical insurance payment number. The present invention provides a bankbook dedicated to a medical institution and a method and system for managing a bankbook having a bankbook entry information related to processing.

Medical institution bankbook and bankbook management method and system according to the present invention, medical insurance claim date and time, medical insurance claim details, medical insurance claim amount, medical insurance claim number, medical insurance claim payment number including one or more authorization number The bankbook entry information related to the medical insurance claim of the medical institution that fills in the entry information is provided, and the insurance book related information including the date and time of the medical insurance payment, the medical insurance payment contents, the medical insurance payment amount, and the medical insurance payment number is provided. An insurance processing related bank entry information entry field is provided.

According to the present invention, the present invention is a medical institution for filling in the medical billing claim-related account entry information including one or more of the medical insurance claim date, medical insurance claim, medical insurance claim amount, medical insurance claim number, medical insurance claim number Fill in the bankbook entry information related to the claim for medical insurance, and the insurance entry related bank entry information to fill in the insurance book related information including the date and time of the medical insurance payment, the contents of the medical insurance payment, the amount of the medical insurance payment, and the medical insurance payment number. Issuing a bank account dedicated to the medical institution having a, and the bank account issuing means having a field for storing the information related to the medical insurance claims claim and the field for storing the insurance related account entry information in the account book, and corresponding to the medical institution Account entry information and insurance processing related to medical insurance claim Information checking means for confirming the related bank account entry information, information storage means for storing the checked information in a field storing the bank account entry information related to the medical insurance claim and a field storing the bank account entry information related to the insurance processing and the medical institution In case of filling out the information in the bankbook, the bankbook entry information related to the medical insurance claim provided in the bankbook for the medical institution and the bankbook entry information and insurance processing related in the insurance processing are stored in the account book. And information writing means for writing information.

On the other hand, the bank account entry related to the medical insurance claim of the medical institution that enters the information on the medical insurance claim, including the date and time of claiming the medical insurance claim, the medical insurance claim, the medical insurance claim amount, the medical insurance claim number, and the medical insurance payment authorization number. A bankbook for medical institutions with an information entry field, insurance payment date and time, medical insurance payment details, medical insurance payment amount, and insurance processing account book entry information including one or more medical insurance payment number Issuing step, information verification means for confirming the information related to the health insurance claim billing and insurance processing related account entry information corresponding to the medical institution, and the information on the health insurance claims related to the health insurance claim provided in the account book Field for storing the bank account entry In the information storage means for storing the information in the field for storing information and the bank account entry information entry field provided in the medical institution passbook, and the insurance entry related bank entry information entry column, and the insurance processing related bank entry information entry column And storing the bankbook entry information related to the bill of insurance claims and the insurance bankbook entry information related to insurance processing.

In addition, the computer-readable recording medium is characterized by recording a program for executing the method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a merchant-specific bank issuing system for payment history management of merchants according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer provides a bank account issuance application through the predetermined bank account issuing interface dedicated merchants for the merchant history payment management information for the merchant history management according to the present invention, the bank account issuing system As a configuration of a system for issuing a predetermined merchant-only bankbook to the customer based on the provided merchant-only bankbook issuing application information, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. It is possible to infer various implementation methods for the configuration of the merchant-specific bank account issuing system for managing the payment history of the merchant by the modification, but the present invention includes all the implementation methods inferred, the implementation method shown in FIG. It is not limited to only.

Hereinafter, at least one of issuing a predetermined merchant-specific bankbook to the customer based on the merchant-specific bankbook issuance application information provided from the customer through a predetermined merchant-only bank issuing interface on the merchant-only bank issuing system shown in FIG. Components corresponding to the above means and / or functional configuration are referred to as "password issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an merchant-only bank issuing system for managing payment history of an affiliated store according to the present invention includes an employee terminal used by a teller provided with at least one financial institution. The employee terminal is connected to the communication channel and the bankbook issuing server 100 provided on the bankbook issuing system through a predetermined network means.

According to an embodiment of the present invention, the customer visits the financial institution to manage the payment history of the affiliated store according to the present invention and through the window provided to the financial institution (or through a clerk) the payment history of the affiliated store. Fill out an application for issuing a predetermined merchant account book for management (e.g., a document with a form for filling in at least one information item for managing the merchant's payment history) (or the counter staff visits the customer The customer to prepare a predetermined merchant passbook issuance application for managing the payment history of the merchant), and submits the completed merchant-only passbook issuance application to the teller staff, the teller staff through the predetermined employee terminal Enter (or select) the information entered in the application form for issuing merchant-only banks, That through the input information to the network device (or selected) sent to the bank book issuing server 100 is provided on the passbook issuing system is preferred.

Here, the employee terminal preferably comprises an employee terminal used by the teller staff provided in the financial institution, the bankbook issuance server 100 is connected to the employee terminal ledger server provided on the predetermined financial system Preferably, the network means for connecting the employee terminal and the bankbook issuance server 100 comprises a financial network (for example, the bank) connecting the communication channel between the employee terminal and the bankbook issuance server 100; It is preferable to comprise.

In the merchant-specific bankbook issuing system as described above, the merchant-only bankbook issuance application that the customer writes, the employee terminal used by the teller staff and the financial network connecting the employee terminal and the bankbook issuance server 100 is the customer The merchant performs the function of the merchant-specific bank issuing interface for registering the merchant-specific bank issuing application information for managing the payment history of the merchant according to the present invention.

The financial institution issuing the merchant-specific bank account to the customer is provided with a predetermined financial system for providing at least one or more financial transactions (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The bankbook issuing server 100 provided on the bankbook issuing system according to the present invention is a generic name of the bankbook issuing system side components connected to the bankbook issuing terminal 135 and a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 100 is provided with an interface unit 105 for providing a predetermined merchant-specific bankbook issuing interface to the bankbook issuing terminal 135 through the network means. It is done.

According to an embodiment of the present invention, when the bankbook issuing terminal 135 is an employee terminal connected to a predetermined financial network, the interface unit 105 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in an affiliated bank account issuance application program provided in the employee terminal.

Referring to FIG. 1, the bankbook issuing server 100 is interlocked with the interface unit 105 when a predetermined bankbook issuing terminal 135 is connected to the bankbook issuing server 100 through the interface unit 105. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined merchant issuance application information from the bankbook issuing terminal 135 and transmitting it to the bankbook issuing terminal 135. Information receiving unit for receiving a predetermined merchant passbook issuance application information to be input (or selected) and transmitted from the bankbook issuing terminal 135 through the user interface in conjunction with the study 110, the interface unit 105 ( 115) and generating predetermined merchant-specific bankbook information corresponding to the merchant-only bankbook to be issued to the customer based on the received merchant-specific bankbook issuance application information. The bank generation unit 125 and the bankbook issuing unit 130 for issuing a predetermined merchant-specific bankbook containing the merchant-specific bankbook information through a predetermined bankbook issuance device, and corresponding to the merchant-only bankbook issued to the customer It is characterized in that it comprises an information storage unit 120 for storing the ledger information for merchants dedicated to the ledger D / B on the financial system.

The interface providing unit 110 corresponds to a functional configuration provided in the bankbook issuing terminal 135 when a predetermined bankbook issuing terminal 135 is connected to the bankbook issuing server 100 through the interface unit 105. Input (or select) the merchant-specific bank account issuing application information to generate a predetermined user interface capable of transmitting to the bank account issuing server 100 through the network means, and / or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface to the bankbook issuing terminal 135 through the network means in conjunction with the interface unit 105.

Thereafter, the bankbook issuing terminal 135 inputs (or selects) the merchant-specific bankbook issuing application information based on the user interface, and inputs (or selects) the merchant-specific bankbook issuing application information through the network means. Transmission to the bankbook issuing server 100.

According to an embodiment of the present invention, when the bankbook issuing terminal 135 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 is provided as an application program for issuing a bank account dedicated to the merchant provided in the employee terminal. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the employee terminal with the generated (or extracted) user interface through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined merchant issuance application information from the bankbook issuing terminal 135 through the user interface and transmits it through the network means, the interface unit 105 and Characterized in that the merchant-only bank issuing application information is received, the received merchant-only bank issuing application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the merchant exclusive bank account issuance application information includes at least one merchant information for receiving the merchant bank account and at least one financial account information (or virtual account information) to be associated with the merchant bank account. It is preferable.

Here, the financial account information (or virtual account information) to be associated with the merchant-only bank account, the account number corresponding to the account already established in the ledger D / B on the financial system in the name of the merchant (or merchant representative name) It is preferable to include, and if the account of the merchant name (or merchant representative name) is not opened in the financial system, the account requesting to open a new account of the merchant name (or merchant representative name) to the financial system It is preferable to further include establishment request information.

The information generation unit 125 generates predetermined merchant-specific bankbook information to be provided in the merchant-only bankbook to the customer based on the merchant-only bankbook issuance application information received through the information receiving unit 115. The merchant-specific bankbook information includes a bank account basic information including a merchant name, a merchant number, a deposit type, a new date, an issue date and a bankbook number, at least one document approval date, a document approval content, a document approval amount, a document number, and a payment approval Passbook-related passbook entry information including at least one or more of the number and the like, and at least one passbook including at least one of the date and time of the purchase of the document, the contents of the purchase of the document, the purchase amount of the document, the document number, and the purchase number of the document. It is preferable to include at least one or more write information.

When the predetermined merchant-specific bankbook information provided in the affiliated store-specific bankbook is generated by the information generation unit 125, the bankbook issuing unit 130 includes an affiliated store-specific bankbook information through a predetermined bankbook issuance device. Produce a dedicated bank account (or having the merchant-only bank information in the merchant-only bank), the merchant-only bank is provided (or delivered) to the customer.

If the merchant-only bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the merchant-specific bankbook information on at least one form provided in the merchant-only bankbook, wherein the information generation unit 125 ) Generates merchant-specific bankbook information in a data structure printable on at least one paper bankbook form, and the bankbook issuing unit 130 by printing the merchant-specific bankbook information on at least one form through the bankbook issuing device, Issue a bank account exclusively for certain merchants.

Alternatively, if the merchant dedicated bankbook is an IC (Integrated Circuit) card, the bankbook issuing device comprises a device for recording the merchant bank information in the memory provided in the IC chip of the merchant bank dedicated, wherein the The information generating unit 125 generates the merchant-specific bankbook information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 130 is the bankbook issuing device. By registering the merchant bank information in the memory of the IC chip, a predetermined merchant bank account is issued.

The merchant-specific bankbook produced as described above is provided to the customer, and / or is delivered to the customer according to a predetermined bankbook providing procedure, after which the customer passes through the bank account issuing system according to the present invention. Will be used.

Subsequently, the information storage unit 120 is based on the affiliated bank account issuing application information and the merchant bank account information received from the customer through the information receiving unit 115 on the ledger D / B on the financial system based on the merchant. And storing the ledger information for the merchant exclusive bankbook in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the dedicated bankbook.

Here, the merchant ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the merchant-only bank on the ledger D / B on the financial system of the merchant-specific bank account information. It is preferable to include at least one information item to be.

2 is a view illustrating a process for issuing a merchant-specific bankbook for managing payment history of an affiliated store according to an exemplary embodiment of the present invention.

In more detail, in Figure 2, a predetermined customer account book issuing system shown in Figure 1 is a predetermined customer through a predetermined merchant book pass issuance interface (for example, merchants book pass issuance application and staff terminal and network means) When the bank 100 is issued to the bank account issuing application specific predetermined merchant issuing application information, the bank issuing server 100 issuing a predetermined merchant-specific bankbook based on the merchant-specific bank issuing application information. As for the process, one of ordinary skill in the art to which the present invention pertains can refer to various methods of issuing the merchant-specific bankbook for managing the payment history of the merchant by referring to and / or modifying the drawing 2. As will be appreciated, the present invention encompasses all of the inferred implementation methods, and the implementation method illustrated in FIG. It shall not be limited.

For example, FIG. 2 illustrates that after creating (or delivering) the merchant-specific bankbook and storing it (or shipping) to the customer, the bank stores information on the bankbook D / B on the financial system as predetermined merchant bankbook information. According to the intention of the person skilled in the art, the process of storing predetermined merchant-only bank account information in the ledger D / B on the financial system is provided to the customer before producing the merchant-only bankbook or after the merchant-only bankbook is created ( Or before delivery), but the present invention is not limited thereto.

Hereinafter, in FIG. 2, the bankbook issuing terminal 135 shown in FIG. 1 is referred to as a "terminal" for convenience, and the bankbook issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 2, the customer who wants to issue the merchant-specific bankbook for managing the payment history of the merchant stores the predetermined merchant-specific bankbook issuance application information through a predetermined merchant-only bankbook issue interface. After filling out the issuing application form, the server provides the merchant-specific bank issuing application information to the server through a predetermined merchant-specific bank issuing interface (200).

Here, the merchant-only bank issuing interface preferably comprises an application for issuing a merchant-specific bank account is created by the customer, the employee terminal used by employees of the financial institution, and the network means for connecting the employee terminal and the server.

In addition, the merchant dedicated bank account issuing application information provided to the server through the merchant bank account issuing interface is the merchant information to receive the merchant-specific bank account, and the financial account information (or virtual account information) to be associated with the merchant bank account only. It is preferable to include at least one.

When a predetermined merchant exclusive bank issuing application information is received through the merchant dedicated bank account issuing interface, the server reads the received merchant exclusive bank account issuing application information, thereby validating whether it is possible to issue the merchant dedicated bank account to the customer. Check (205).

In this case, the merchant issuance validity check is confirmed whether the merchant information contained in the merchant-specific bank issuing application information is a valid merchant, and the financial account information included in the merchant-specific bank account issuing application information on the financial system It is preferable to include at least one or more to check whether the ledger D / B is already provided.

According to the method of the present invention, when the ledger D / B on the financial system is not provided with a financial account to be associated with the merchant dedicated bank account, the server further provides a procedure for opening a new financial account to be associated with the merchant dedicated bank account. The present invention is not limited thereto.

If the validity for issuing the merchant-only bank account is not authenticated through the merchant-specific bank account issuing application information (210), the server issues an merchant-only bank account issue to the customer through the merchant-only bank account issuing interface. Provide information (215) and stop issuing the merchant-only bankbook to the customer.

If the validity of issuing the merchant-specific bank account to the customer is authenticated through the merchant-only bank account issuing application information (210), the server is based on the merchant bank account issuing application information to the merchant dedicated bank to issue to the customer. The corresponding predetermined merchant-specific bankbook information is generated (220).

Here, the merchant-specific bankbook information, the merchant basic information, including the merchant name, merchant number, type of deposit, new date, issue date and bank account number, at least one document approval date and time, the document approval content, the document approval amount, the document number, payment approval Passbook-related passbook entry information including at least one or more of the number and the like, and at least one passbook including at least one of the date and time of the purchase of the document, the contents of the purchase of the document, the purchase amount of the document, the document number, and the purchase number of the document. It is preferable to include at least one or more write information.

According to an embodiment of the present invention, if the merchant-only bankbook is a paper bankbook, the generated merchant-only bankbook information may include a data structure printable on the paperbook template.

According to another embodiment of the present invention, if the merchant-only bank account is an IC card, the generated merchant-only bank information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. Do.

Thereafter, the server generates a predetermined merchant dedicated bankbook having the affiliated bank account information through a predetermined bankbook issuing device and provides (or delivers) it to the customer (225).

According to an embodiment of the present invention, if the merchant-only bankbook is a paper bankbook, the bankbook issuing device preferably comprises a device for printing the merchant-specific bankbook information on the form provided in the merchant-only bankbook.

According to another embodiment of the present invention, if the merchant dedicated bankbook is an IC card, the bankbook issuing device preferably comprises an apparatus for recording the merchant bank information in a memory provided in the IC chip of the merchant bank dedicated. Do.

Thereafter, the server generates predetermined merchant-specific bankbook ledger information through the merchant-only bankbook issuing application information and the generated merchant-only bankbook information provided from the customer through the merchant-only bankbook issuing interface (230). Merchants dedicated ledger information is stored in the ledger D / B on the financial system (235).

Here, the merchant ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the merchant-only bank on the ledger D / B on the financial system of the merchant-specific bank account information. It is preferable to include at least one information item to be.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

3 is a view showing a system for issuing merchants exclusive bank account for the management of payment history of merchants according to another embodiment of the present invention.

In more detail, Figure 3 is a predetermined customer provides a bank account issuing application information for managing the payment history of merchants according to the present invention through a predetermined bank account issuing interface dedicated merchants, in the bank account issuing system As a configuration of a system for issuing a predetermined merchant-specific bankbook to the customer based on the provided merchant-specific bankbook issuance application information, if the person having ordinary knowledge in the technical field to which the present invention belongs, and see FIG. Alternatively, it may be possible to infer various implementation methods for the configuration of the merchant issuing bank account issuing system for managing the payment history of the merchant, but the present invention includes all the implementation methods inferred, with only the implementation method shown in FIG. It is not limited.

Hereinafter, at least one of issuing a predetermined merchant-specific bankbook to the customer based on the merchant-specific bankbook issuing application information provided from the customer through a predetermined merchant-only bank issuing interface on the merchant-only bank issuing system shown in FIG. Components corresponding to the above means and / or functional configuration are referred to as "bankbook issuing server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the merchant exclusive bank account issuing system for managing the payment history of the merchant according to the present invention, the merchant bank account issuing system supports the application for issuing merchant-specific bankbook issuing non-face-to-face If so, characterized in that it comprises a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, wherein the client terminal is provided on the bank account issuing system through a predetermined network means The communication channel is connected to the server 300.

According to an exemplary embodiment of the present invention, when the affiliated bank account issuing system supports a non-face-to-face merchant bank account issuance application, the customer is connected to a wired terminal and / or a wireless network connected to a predetermined wire network. A merchant for accessing the bankbook issuance server 300 through at least one or more client terminals of a wireless terminal, and through the at least one user interface provided by the bankbook issuance server 300 to manage payment history of the merchant according to the present invention. When inputting (or selecting) the exclusive bankbook issuing information, it is preferable that the client terminal transmits the bankbook issuing server 300 provided on the bankbook issuing system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network It is preferable to make.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one or more user interfaces provided by the bankbook issuing server 300, and inputs and / or selects at least one or more information through the user interface to the bankbook issuing server 300. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the bankbook issuing server 300, etc.) for transmission is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the merchant-only passbook issuing system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the bankbook issuing server 300. The network and / or the wireless network performs a function of the merchant-specific bank issuing interface for the customer to register the merchant-specific bank issuing application information for managing the payment history of the merchant according to the present invention.

According to another exemplary embodiment of the present invention, when the merchant-only bank issuing system supports a non-face-to-face merchant-only bank issuing application, the bankbook issuing terminal 335 is a predetermined financial network (for example, in addition to the client terminal). A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, The terminal further comprises a predetermined call terminal (not shown) connected to the wireless telephone network, and / or is provided in at least one or more institutions affiliated with the financial institution (and / or The server) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting the non-face-to-face application for issuing merchant-specific bankbooks, when the bankbook issuing terminal 335 is the financial automated device (not shown), the financial automated device (not shown) and the financial automation are provided. A financial network connecting the device (not shown) and the bankbook issuance server 300 has a function of a merchant-specific bankbook issuing interface for registering a bank account issuing application information for the merchant for the customer to manage payment history of the merchant according to the present invention. And / or when the bankbook issuing terminal 335 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the bankbook issuing server 300. The wired telephone network and / or wireless telephone network is a merchant store for the customer to register the merchant issuance application information for the merchant to manage the payment history of the merchant according to the invention If the terminal (and / or server) (not shown) provided to perform the function of the bank account issuance interface, and / or the institution associated with the financial institution that is the bank account issuing terminal 335 (not shown), the terminal (and / Or server) (not shown) and the network connecting the terminal (and / or server) (not shown) and the bankbook issuing server 300 are merchants exclusive bankbook for the customer to manage the payment history of the merchant according to the present invention. It performs the function of the merchant issuing interface for registering issuing application information.

The financial institution issuing the merchant-specific bank account to the customer is provided with a predetermined financial system for providing at least one or more financial transactions (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or another financial institution branch), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 3, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform providing inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The bankbook issuing server 300 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system side components connected to the bankbook issuing terminal 335 and a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 300 is provided with an interface unit 305 for providing a predetermined merchant-specific bank issuing interface to the bankbook issuing terminal 335 through the network means. It is done.

According to an embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined merchant issuance request application program provided by the bankbook issuing server 300, the interface unit 305 is a communication channel with the client terminal based on the TCP / IP protocol It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 305 uses a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with an affiliated bank account issuance application program provided by the bankbook issuance server 300, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 3, the bankbook issuing server 300 is interlocked with the interface unit 305 when a predetermined bankbook issuing terminal 335 is connected to the bankbook issuing server 300 through the interface unit 305. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) a predetermined merchant issuance request information from the bankbook issuing terminal 335 and providing it to the bankbook issuing terminal 335. Information receiving unit for receiving a predetermined merchant passbook issuing application information to be input (or selected) and transmitted from the bankbook issuing terminal 335 through the user interface in conjunction with the study 310, the interface unit 305 ( 315) and generating a predetermined merchant-specific bankbook information corresponding to the merchant-only bankbook to be issued to the customer based on the received merchant-specific bankbook issuance application information. The bank generation unit 325 and the bank account issuing unit 330 for issuing a predetermined merchant-specific bankbook containing the merchant-specific bank account information through a predetermined bankbook issuance device, and corresponding to the merchant-specific bank account issued to the customer It is characterized in that it comprises an information storage unit 320 for storing the ledger information for merchants dedicated account book in the ledger D / B on the financial system.

The interface providing unit 310 corresponds to a functional configuration provided in the bankbook issuing terminal 335 when a predetermined bankbook issuing terminal 335 is connected to the bankbook issuing server 300 through the interface unit 305. Input (or select) the merchant-specific bank account issuing application information to generate a predetermined user interface capable of transmitting to the bank account issuing server 300 through the network means, and / or from a predetermined database (not shown). And extracts the generated (or extracted) user interface in cooperation with the interface unit 305 to the bankbook issuing terminal 335 through the network means.

Thereafter, the bankbook issuing terminal 335 inputs (or selects) the merchant-specific bankbook issuing application information based on the user interface, and inputs (or selects) the merchant-specific bankbook issuing application information through the network means. Transmission to the bankbook issuing server 300.

According to an embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 310 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

When the information receiving unit 315 inputs (or selects) predetermined merchant issuance application information from the bankbook issuing terminal 335 through the user interface and transmits the information through the network means, the interface unit 305 and Characterized in that the merchant-only bank issuing application information received in conjunction, the merchant-specific bank issuing application information received is provided to the information generating unit 325.

According to an embodiment of the present invention, the merchant exclusive bank account issuance application information includes at least one merchant information for receiving the merchant bank account and at least one financial account information (or virtual account information) to be associated with the merchant bank account. It is preferable.

Here, the financial account information (or virtual account information) to be associated with the merchant-only bank account, the account number corresponding to the account already established in the ledger D / B on the financial system in the name of the merchant (or merchant representative name) It is preferable to include, and if the account of the merchant name (or merchant representative name) is not opened in the financial system, the account requesting to open a new account of the merchant name (or merchant representative name) to the financial system It is preferable to further include establishment request information.

The information generation unit 325 generates predetermined merchant-only bankbook information to be provided in the merchant-only bankbook to the customer based on the merchant-only bankbook issuance application information received through the information receiver 315. The merchant-specific bankbook information includes a bank account basic information including a merchant name, a merchant number, a deposit type, a new date, an issue date and a bankbook number, at least one document approval date, a document approval content, a document approval amount, a document number, and a payment approval Passbook-related passbook entry information including at least one or more of the number and the like, and at least one passbook including at least one of the date and time of the purchase of the document, the contents of the purchase of the document, the purchase amount of the document, the document number, and the purchase number of the document. It is preferable to include at least one or more write information.

When the predetermined merchant-specific bankbook information provided in the merchant-only bankbook is generated by the information generator 325, the bankbook issuing unit 330 includes the merchant-only bankbook information through a predetermined bankbook issuing device. Producing a merchant-only bank (or having the merchant-only bank information in the merchant-only bank), the merchant-only bank is provided (or shipped) to the customer.

If the merchant-only bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the merchant-specific bankbook information on at least one form provided in the merchant-only bankbook, wherein the information generation unit 325 ) Generates merchant-specific bankbook information in a data structure printable on at least one paper bankbook form, and the bankbook issuing unit 330 prints the merchant-only bankbook information on at least one form through the bankbook issuing device, Issue a bank account exclusively for certain merchants.

Alternatively, if the merchant dedicated bankbook is an IC (Integrated Circuit) card, the bankbook issuing device comprises a device for recording the merchant bank information in the memory provided in the IC chip of the merchant bank dedicated, wherein the The information generator 325 generates the merchant-specific bankbook information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 330 is the bankbook issuing device. By registering the merchant bank information in the memory of the IC chip, a predetermined merchant bank account is issued.

The merchant-specific bankbook produced as described above is provided to the customer, and / or is delivered to the customer according to a predetermined bankbook providing procedure, after which the customer passes through the bank account issuing system according to the present invention. Will be used.

Thereafter, the information storage unit 320 is based on the affiliated bank account issuing application information and the merchant bank account information received from the customer through the information receiving unit 315 the merchant on the ledger D / B on the financial system And storing the ledger information for the merchant exclusive bankbook in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the dedicated bankbook.

Here, the merchant ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the merchant-only bank on the ledger D / B on the financial system of the merchant-specific bank account information. It is preferable to include at least one information item to be.

4 is a diagram illustrating a process of issuing an exclusive bank account for merchants for managing payment history of an affiliated store according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a client terminal in which a predetermined customer includes a predetermined merchant-specific bank issuing interface (eg, at least one wired terminal and / or a wireless terminal) in the merchant-only bank issuing system shown in FIG. And network means, etc.), when a predetermined merchant-specific passbook issuance application information is transmitted to the bankbook issuance server 300 to the bankbook issuance server 300, the bankbook issuance server 300 is the merchant-specific passbook application request information. As a process for issuing a predetermined merchant-specific bankbook based on the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify the drawing 4 to dedicate the merchant for managing payment history of the merchant. It will be possible to infer various implementation methods for issuing a bankbook, but the present invention provides a And also, it not limited to the exemplary method shown in the figure 4.

For example, FIG. 4 illustrates that the merchant-only bankbook is created and provided (or shipped) to the customer, and then stored as the merchant ledger information in the ledger D / B on the financial system. According to the intention of the person skilled in the art, the process of storing predetermined merchant-only bank account information in the ledger D / B on the financial system is provided to the customer before producing the merchant-only bankbook or after the merchant-only bankbook is created ( Or before delivery), but the present invention is not limited thereto.

Hereinafter, in FIG. 4, the bankbook issuing terminal 335 shown in FIG. 3 is referred to as "terminal" for convenience, and the bankbook issuing server 300 is referred to as "server" for convenience.

Referring to FIG. 4, a customer who wants to issue the merchant exclusive bank account for the payment history management of the affiliate store accesses the server through the network means using the terminal, and issues the merchant exclusive bank account to the server. Request a merchant-specific bank issuing interface (400), and correspondingly, the server extracts (or generates) a merchant-specific bank issuing interface for issuing the merchant-specific bank account is provided to the terminal (405).

Thereafter, the terminal inputs (or selects) predetermined merchant exclusive bankbook issuance application information through the merchant exclusive bank account issuing interface, and provides the merchant exclusive bank account issuing application information to the server through a predetermined merchant bank account issuing interface. (410).

Here, the merchant-only bank issuing interface is preferably the merchant-only bank issuing interface comprises a predetermined client terminal used by the customer and the network means for connecting the client terminal and the server.

In addition, the merchant dedicated bank account issuing application information provided to the server through the merchant bank account issuing interface is the merchant information to receive the merchant-specific bank account, and the financial account information (or virtual account information) to be associated with the merchant bank account only. It is preferable to include at least one.

When a predetermined merchant exclusive bank issuing application information is received through the merchant dedicated bank account issuing interface, the server reads the received merchant exclusive bank account issuing application information, thereby validating whether it is possible to issue the merchant dedicated bank account to the customer. Check (415).

Here, the merchant issuance validity check is to confirm whether the merchant information contained in the merchant-specific bank issuing application information is a valid merchant, and the financial account information included in the merchant-specific bank account issuing application information ledger on the financial system It is preferable to include at least one or more to check whether the D / B is already provided.

According to the method of the present invention, when the ledger D / B on the financial system is not provided with a financial account to be associated with the merchant dedicated bank account, the server further provides a procedure for opening a new financial account to be associated with the merchant dedicated bank account. The present invention is not limited thereto.

If the validity for issuing the merchant-specific bankbook to the customer is not authenticated through the merchant-only bank issuing application information (420), the server issues an error for issuing the merchant-only bankbook to the customer through the merchant-only bank issuing interface. Provide information (425) and stop issuing the merchant-only bankbook to the customer.

When the validity of issuing the merchant-only bank account is authenticated to the customer through the merchant-specific bank account issuing application information (420), the server is assigned to the merchant-only bank account to be issued to the customer based on the merchant-specific bank account issuing information. Generate corresponding bank account information corresponding to the predetermined merchant (430).

Here, the merchant-specific bankbook information, the merchant basic information, including the merchant name, merchant number, type of deposit, new date, issue date and bank account number, at least one document approval date and time, the document approval content, the document approval amount, the document number, payment approval Passbook-related passbook entry information including at least one or more of the number and the like, and at least one passbook including at least one of the date and time of the purchase of the document, the contents of the purchase of the document, the purchase amount of the document, the document number, and the purchase number of the document. It is preferable to include at least one or more write information.

According to an embodiment of the present invention, if the merchant-only bankbook is a paper bankbook, the generated merchant-only bankbook information may include a data structure printable on the paperbook template.

According to another embodiment of the present invention, if the merchant-only bank account is an IC card, the generated merchant-only bank information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. Do.

Thereafter, the server generates a predetermined merchant-specific bankbook having the affiliated bankbook information through a predetermined bankbook issuing device and provides (or delivers) the bank to the customer (435).

According to an embodiment of the present invention, if the merchant-only bankbook is a paper bankbook, the bankbook issuing device preferably comprises a device for printing the merchant-specific bankbook information on the form provided in the merchant-only bankbook.

According to another embodiment of the present invention, if the merchant dedicated bankbook is an IC card, the bankbook issuing device preferably comprises an apparatus for recording the merchant bank information in a memory provided in the IC chip of the merchant bank dedicated. Do.

Thereafter, the server generates predetermined merchant-specific bankbook ledger information through the merchant-only bankbook issuance application information and the generated merchant-only bankbook information provided from the customer through the merchant-only bankbook issuing interface (440), The ledger information for the merchant exclusive bank book is stored in the ledger D / B on the financial system (445).

Here, the merchant ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the merchant-only bank on the ledger D / B on the financial system of the merchant-specific bank account information. It is preferable to include at least one information item to be.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

5 is a view showing the configuration of the merchant bank account management system for managing the payment history of the merchant in accordance with one embodiment of the present invention.

In more detail, FIG. 5 is a billing terminal 540 provided in at least one or more merchants in at least one merchant dedicated bankbook issued through the merchant bank issuing system shown in FIGS. 1 and / or 3; When at least one payment is processed in a payment system including a value added network (VAN) and a payment server 535, at least one payment history information is checked from the payment system through a predetermined communication means, and the payment is performed. An embodiment of the present invention relates to a method for generating predetermined merchant book entry information from the history information and storing the information in the ledger D / B on the financial system corresponding to the merchant bank account shown in FIGS. 1 and / or 3. Those skilled in the art may refer to and / or modify this drawing 5 to manage payment history of merchants. Would be able to infer a variety of exemplary methods for the merchant account only operating system configurations, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 5.

For example, although the payment system shown in FIG. 5 illustrates an offline payment system, the payment system may be an online payment system including at least one client terminal and a wired / wireless communication network, and the present invention is not limited thereto.

Referring to FIG. 5 according to an embodiment of the present invention, an affiliated bank account management system for managing payment history of the affiliated store includes a payment terminal 540 provided in at least one affiliated store and a van (Value Added Network; VAN). And a payment system including a payment server 535 and at least one payment process through the payment system, and confirms payment history information from the payment system (for example, a bansa server or a payment server 535). And a financial company server 500 for generating predetermined merchant entry book information from the payment history information and storing the information in the ledger D / B on the financial system corresponding to the merchant passbook shown in FIGS. 1 and / or 3. And an affiliated store shown in FIGS. 1 and / or 3 in an account ledger corresponding to an affiliated store financial account on the payment system. And a financial system having a ledger D / B for storing ledger information appended with dedicated bankbook information.

Those skilled in the art to which the present invention pertains include a payment terminal 540, a van (Value Added Network; VAN) and a payment server 535 provided in at least one or more affiliated stores. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

In addition, since the detailed technical features of the financial system have also been described with reference to FIGS. 1 and / or 3, the detailed description of the financial system is omitted in FIG. 5 for convenience.

Referring to FIG. 5, the financial institution server 500 performs at least one payment processing through the payment system through a predetermined communication means (for example, a dedicated communication network connecting the payment system and the financial institution server 500). Periodically checking, and if at least one payment process is confirmed through the payment system, an information verification unit 530 for confirming payment history information corresponding to the verified payment process from the payment system, and the confirmed payment An information generation unit 525 for generating payment authorization related merchant entry information including at least one of document approval date and time, document approval amount, document approval amount, document number, payment approval number and the like from the details information; Merchant store dedicated information associated with the merchant bank account provided in the ledger D / B on the financial system And an information storage unit 520 to store the ledger information, characterized by comprising.

In addition, the information verification unit 530 is affiliated with a merchant bank account provided in the ledger D / B on the financial system through a predetermined ticket purchase institution (for example, a card company, or a financial institution equipped with the financial system). Characterized in that the check corresponding to the payment approval information associated with the payment approval merchants included in the dedicated account book information is purchased.

In addition, when the purchase of the document is confirmed by the information confirming unit 530, the information generating unit 525 includes at least one of a purchase date and time of purchase of the document, a purchase amount of the document, a purchase amount of the document, a document number, and a purchase number of the document. It is characterized in that for generating a passbook entry information dedicated merchant purchase related.

In addition, when the information related to the voucher purchase related merchant entry information is generated by the information generation unit 525, the information storage unit 520 sends the generated merchant-only bank entry information on the ledger D / B on the financial system Characterized in the merchant ledger information associated with the merchant financial account provided in the characterized in that the storage.

According to the present invention, the financial institution server 500 connects and manages a predetermined communication channel with the affiliated store terminal through the network means in order to provide a communication interface for providing the affiliated store specific bankbook entry information to the affiliated store terminal. It is characterized in that it comprises an interface unit 505, whereby the financial institution server 500 is an information providing server (e.g., mail server, message transmission) is connected to the merchant terminal through a wired network and / or wireless network Server).

In addition, the financial company server 500 is stored in the ledger D / B on the financial system at least one merchant ledger ledger information associated with the account ledger corresponding to the merchant financial account is stored periodically, the ledger on the financial system And an information extracting unit 515 for extracting the merchant ledger ledger information from the D / B and at least one of the merchant-only bankbook entry information corresponding to the extracted merchant ledger ledger information. Through the information providing interface to the merchant terminal (for example, a wired terminal or a wireless terminal with a web browsing function), or the merchant side information receiving means (for example, a merchant mail account or a wireless message receiving device of the merchant representative) It is characterized by comprising an information providing unit 510 to provide.

FIG. 6 is a view illustrating a process of operating an exclusive bank account for managing payment details of an affiliated store according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates at least one merchant-only bankbook issued through the merchant-only bank issuing system shown in FIGS. 1 and / or 3, wherein the financial company server on the merchant-only bankbook operating system shown in FIG. The payment system 540 includes at least one affiliated payment terminal 540, a van (Value Added Network; VAN), and a payment server 535 to determine whether at least one payment has been processed, and Confirm at least one or more payment history information from the payment system through a communication means, and generate predetermined merchant entry information from the payment history information to correspond to the merchant exclusive bank shown in FIGS. 1 and / or 3; It relates to an implementation method of storing in the ledger D / B on the financial system to Those skilled in the art will be able to infer various implementation methods for the merchant exclusive banking operation process for managing the payment history of the merchant by referring to and / or modifying the drawing 6, but the present invention is all inferred implementation method It includes, and is not limited to the embodiment shown in FIG.

In FIG. 6, the financial company server 500 on the merchant bank account management system shown in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 6, the server performs at least one payment process through at least one payment terminal 540 provided in at least one merchant through the payment system shown in FIG. U through a predetermined communication means. Check (600).

If at least one payment processing is confirmed in the payment system (605), the server confirms (or receives) predetermined payment history information corresponding to the confirmed payment processing from the payment system through the communication means ( 610).

According to the implementation method of the present invention, the payment history information confirmed from the payment system includes payment approval related information including at least one or more of a document approval date, a document approval content, a document approval amount, a document number, a payment approval number, and the like. It is preferable to include merchant information that can identify the account ledger corresponding to the merchant financial account provided in the ledger D / B on the financial system.

When the payment history information is confirmed from the payment system, the server may include at least one payment approval date, a document approval content, a document approval amount, a document number, a payment approval number, and the like from the confirmed payment history information. Generate merchant-specific bankbook entry information (615), and generates merchant-specific bankbook ledger information including the generated merchant-specific bankbook entry information (620).

Thereafter, the server extracts merchant information that can identify the account ledger corresponding to the merchant bank account provided in the ledger D / B on the financial system from the payment history information confirmed by the payment system (625), and the extraction. Based on the merchant information, the merchant ledger issuance system shown in Figures 1 and / or 3 confirms the account ledger associated with the merchant bank account provided in the ledger D / B on the financial system (630). In operation 635, the affiliated bank account ledger information generated in association with the financial system is processed in association with the account ledger corresponding to the merchant financial account and stored in the ledger D / B on the financial system.

7 is a diagram showing the configuration of the bill payment processing system according to an embodiment of the present invention.

More similarly, in FIG. 7, the card purchaser pays the card purchaser to pay the affiliated store at a predetermined card company periodically to the card company server 740, and the predetermined bill purchase money from the card company server 740 in response to the bill purchase request. When payment approval information is received, an amount corresponding to the slip payment approval information is prepaid to the merchant account. When the amount corresponding to the slip payment approval information is received from the card company, the slip amount is received in the slip payment approval information. Regarding the construction of the slip payment settlement processing system for performing the post-settlement of a corresponding amount, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 7 to post-pay the down payment of the slip. Various system configurations for document payment settlement system configuration Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 7.

For example, in FIG. 7, the card company server 740 stores and manages the document related information generated in the payment processing process through a predetermined payment system. However, the document related information is not included in the card company. (E.g., a document purchase company) may be stored and managed, and the present invention includes all possible implementation methods inferred based on this drawing.

Referring to FIG. 7, the document purchase payment settlement processing system configuration for the post payment settlement of the slip on the slip is periodically charged to the card company server 740 by the predetermined card company to pay the slip to be paid to the affiliated store. When a predetermined slip payment payment approval information is received from the card company server 740 in response to a payment request, an amount corresponding to the slip payment approval information is prepaid to the merchant account, and the slip payment approval information from the card company is received. When the amount corresponding to the deposit is actually deposited, the financial institution server 700 for post settlement of the amount corresponding to the slip payment approval information, and the merchant in the name of the merchant corresponding to the post payment settlement of the slip on the slip and the merchant information corresponding to the merchant information. It is characterized by including the financial system in which the account is opened. The.

Here, the card company server 740 provides a payment service to at least one or more customers through at least one merchant terminal 735, and stores and manages information related to a slip corresponding to the payment service in a predetermined database. Periodically paying the slips paid to the merchant.

Those skilled in the art to which the present invention pertains, the insurance server in conjunction with at least one or more merchants to approve the slip payment request information and the technical features for paying the slips paid to the merchants. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the financial company server 700 requests at least one bill purchase to be paid to the card company server 740 based on the merchant ledger information stored in the ledger D / B on the financial system. The card company server 740 through a predetermined communication means by using the information checking unit 705 for identifying a target merchant and the affiliated store ledger information stored in the ledger D / B on the financial system. Information request unit 710 for requesting the slip payment approval information corresponding to the merchant (or approved by the card company to pay the merchant) and the slip from the card company server 740 through the communication means; Document payment payment approval information corresponding to the payment payment information request (or approved by the card company to pay the merchant) Receiving the document payment payment approval information receiving unit 715 and the amount corresponding to the document payment payment approval information in connection with the financial system withdraws from the mother account for the post-payment payment after payment to the document payment D / B on the financial system When a deposit corresponding to the slip payment payment approval information is received from the card company, the prepayment processing unit 720 for processing a prepayment to the merchant account corresponding to the merchant bank account information stored in the bank account, and the billing payment after the prepayment processing of the slip from the card company; And a post-payment processing unit 725 for processing the post-payment of the amount prepaid to the merchant account, and through the predetermined network means, the pre-payment details and / or post-payment details of the slips. Transmission to the affiliated store terminal 735 (or affiliated store side data receiving means) It is characterized in that it comprises the further information transmitting unit 730.

The information checking unit 705 periodically checks the merchant ledger information stored in the ledger D / B on the financial system, so that the slip payment payment is approved to the card company server 740 among the merchants corresponding to the merchant ledger information. Selecting and / or confirming at least one or more target merchants subject to bill purchases.

According to an embodiment of the present invention, the card company server 740 receives at least one slip payment request information from at least one affiliate store and stores it in a predetermined database, and pays slip payment corresponding to the slip payment request information. Produces and rejects the predetermined slip payment payment approval information to store and manage in a predetermined database, wherein the information checking unit 705 is the slip through the slip payment payment approval information managed by the card company server 740. It is advisable to identify the merchants who will claim the prescribed slips that have been approved for payment.

For example, the information checking unit 705 checks the merchant ledger information stored in the ledger D / B on the financial system every day, or even days / odd days, or every day of the week, or every day of the month, so that the merchant ledger information It is preferable to select and / or confirm at least one merchant purchaseable billing target merchant to claim a predetermined purchase amount for which the journal payment has been approved to the card company server 740 among merchants corresponding to the merchant.

If at least one merchant purchase target claim merchant to claim the predetermined purchase amount of the slip received to the card company server 740 is selected and / or confirmed through the checking process, the information checking unit 705 The information requesting unit 710 extracts (or confirms) at least one merchant ledger information corresponding to the identified merchant purchase billing target merchant from the ledger D / B and merchant account information for post-payment of the deposit on the slip of the purchase of the slip. To provide.

The information requesting unit 710 corresponds to the affiliate store (or the card company in the card company) to the card company server 740 through a predetermined communication means based on the affiliated store ledger information confirmed through the information confirmation unit 705. Characterized in that the request for payment of payment information for the slip paid to the affiliated store is requested.

According to an embodiment of the present invention, the information requesting unit 710 may correspond to the affiliated store from the card company server 740 by providing the affiliated store ledger information to the card company server 740 through the communication means. It is preferable that the card company requests the payment information for approval of the slip paid to the affiliated store.

The card company server 740 that has received the slip payment approval information requested from the database storing at least one slip payment request information approved for payment includes at least one slip payment corresponding to the received merchant ledger information. After confirming, a predetermined slip payment payment approval information including the slip payment payment approval history is generated and transmitted to the financial company server 700 through the communication means.

The slip payment payment approval information receiving unit 715 is a predetermined slip payment payment information (or a predetermined slip payment payment approved by the card company to pay the merchant through the communication requesting means to the information requesting unit 710). Approval information), and provides the received slip payment approval information to the prepayment processor 720.

According to the implementation method of the present invention, the slip payment approval information is the total payment amount information approved for payment to the merchant on the basis of the current time request for the slip payment payment information requested by the information requesting unit 710, It is preferable that the card company comprises at least one or more payment date and time information to pay the approved amount of payment from the merchant.

The prepayment processing unit 720 has the slip payment payment approval information corresponding to the merchant (or approved by the card company to pay the merchant) from the card company payment approval information receiving unit 715 from the card company server 740 When received, withdraw the amount corresponding to the total payment amount information included in the document payment payment approval information from the mother account for the bill payment prepayment payment settlement processing in connection with the financial system, the merchant account of the merchant name corresponding to the merchant ledger information Characterized in that the deposit processing.

According to an embodiment of the present invention, the merchant account includes a real account opened in the merchant name on the financial system or includes at least one virtual account opened in the merchant name on the financial system. It is preferable to make it.

Here, the virtual account of the merchant name is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the card company mother account, or the agency that pays the slips according to the implementation method If present, it is possible to open all in the form of a virtual account associated with the parent account of the slip payment agency agency, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the prepayment processing unit 720 deposits an amount corresponding to the total payment amount information included in the slip payment payment approval information to the affiliate store account, the information transmission unit 730 It is characterized in that for generating a predetermined slip payment prepaid history information corresponding to the slip payment prepayment processing and transmitting to the affiliated store terminal 735 (for example, wired terminal, or wireless terminal of the merchant customer) through a predetermined network means. .

According to another exemplary embodiment of the present invention, when the prepayment processing unit 720 deposits the amount corresponding to the total payment amount information included in the slip payment approval information into the affiliate store account, the information transmitting unit 730. Generates a predetermined slip payment prepaid history information corresponding to the slip payment advance payment processing, the data receiving means (e.g., a mail account of a merchant customer or a short message service (SMS) message) through a predetermined network means; Receiver).

The post-payment processing unit 725 withdraws the amount corresponding to the total payment amount information included in the slip payment payment approval information from the pre-payment processing settlement account for the prepayment of the prepaid payments by the prepayment processing unit 720 in connection with the financial system. When the deposit processing to the merchant account of the merchant name corresponding to the merchant ledger information, it is characterized in that a predetermined prepayment fee is subtracted from the amount to be deposited into the merchant account, in this case the deposit processing unit 720 is the merchant account It is preferable that the amount actually deposited includes the amount less the prepayment fee among the total payment amount included in the slip payment approval information.

Alternatively, the post-payment processing unit 725 is an amount corresponding to the total payment amount information included in the slip payment payment approval information from the mother account for the bill payment after payment in advance payment processing unit 720 in connection with the financial system; After depositing and processing the deposit to the merchant account of the merchant name corresponding to the merchant ledger information, the card company server 740 is paid from the card company to the affiliated store through the financial system from the card company to the merchant account for the post-payment of the payment When the total amount to be deposited is received, the prepayment processing unit 720 calculates a predetermined prepayment fee corresponding to the prepaid amount to the merchant account, and calculates the calculated prepayment fee.

According to the exemplary embodiment of the present invention, when the total amount to be paid from the card company to the affiliated store is received from the card company server 740 through the financial system to the bill payment prepayment after settlement, the prepayment processor 720 After calculating a predetermined prepayment fee corresponding to the amount prepaid to the merchant account, the amount deposited in the card company server 740 to the mother account for post payment prepayment processing and the post payment of the prepayment It is preferable to compare the amount deposited in the merchant account in the processing mother account.

If the comparison result is greater than the amount deposited into the merchant account in the bill payment prepayment after payment processing mother account from the card company server 740, the post payment settlement prepayment processing, the post-payment processing unit In operation 725, the card company server 740 deducts the calculated prepayment fee from the amount to be additionally deposited into the merchant account from the amount deposited into the mother account for post payment prepayment. It is preferable to process the settlement by depositing the additional deposit amount from the settlement account to the merchant account.

On the other hand, as a result of the comparison, the amount deposited from the card company server 740 to the mother account for post payment prepayment processing is less than the amount deposited into the merchant account from the mother account for post payment prepayment. If the amount to be additionally deposited into the merchant account is less than the calculated prepayment fee, the after-payment processing unit 725 settles the prepayment fee from the amount prepaid to the merchant account. It is desirable to.

Alternatively, the amount deposited from the card company server 740 to the mother account for post payment prepayment is less than the amount deposited into the merchant account from the account payment for prepayment. In a state in which the additional deposit amount is less than the calculated prepayment fee in the mother account for post settlement processing account less than the calculated prepayment fee, if the balance of the prepayment to the merchant account is less than the prepayment fee, the post payment processing unit 725 ) Is preferably settles the prepayment fee from the amount to be prepaid to the merchant account.

According to the exemplary embodiment of the present invention, when the post-payment processing unit 725 post-pays the document purchase amount, the information transmission unit 730 may set the post-payment settlement information of the predetermined slip amount corresponding to the post-payment of the document purchase amount. It generates and transmits to the merchant terminal 735 (e.g., wired terminal, or wireless terminal of the merchant customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-payment processing unit 725 post-pays the voucher for payment, the information transmission unit 730 may set the post-payment details of the predetermined voucher payment corresponding to the post-payment of the voucher for payment. It generates information and transmits the information to the affiliated store data receiving means (for example, the merchant customer's mail account or the short message receiving device) through a predetermined network means.

According to an exemplary embodiment of the present invention, the information transmission unit 730 analyzes an affiliate account for each affiliate store (eg, a virtual account in the name of an affiliate store) in addition to the slip payment prepaid history information and / or post payment settlement detail information. And transmits the result of the merchant account analysis report to the affiliated store terminal 735 (for example, a wired terminal or a wireless terminal of a merchant customer) through a predetermined network means, and / or the merchant side data receiving means ( For example, characterized in that the transmission to the merchant customer's mail account, or a short message (SMS) receiving device).

8 is a diagram illustrating a process for depositing a slip on a slip of a slip according to an embodiment of the present invention.

In more detail, FIG. 8 periodically bills the card company server 740 to pay the document purchase amount to be paid to the affiliated store by a predetermined credit card company at the financial company server 700 on the slip payment processing system shown in FIG. In response to the slip request for payment, when the predetermined slip payment approval information is received from the card company server 740, the amount corresponding to the slip payment payment approval information is to be prepaid to the merchant account. Those skilled in the art will be able to infer various implementation methods for the process of deposit slip payment by referring to and / or modifying the drawing 8, but the present invention is directed to all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the financial company server 700 on the slip payment settlement system shown in FIG. 7 is referred to as a “server” for convenience, and the merchant terminal 735 on the slip payment settlement system shown in FIG. 7 is referred to for convenience. It is called "terminal".

Referring to FIG. 8, the server periodically checks affiliated store ledger information stored in the ledger D / B on the financial system, whereby payment of the slips is paid to the card company server 740 among affiliated stores corresponding to the affiliated store information. In operation 800, at least one slip purchase target claimant to claim a slip is checked.

If the verification result confirms that at least one affiliated billing target merchant is requested (805), the server extracts affiliated store ledger information stored in the ledger D / B on the financial system (810) and based on the extracted affiliated store information. The card company server 740 requests the slip payment payment approval information for the affiliate store corresponding to the affiliate store information through a predetermined communication means (815).

Thereafter, the card company server 740 extracts at least one slip payment payment approval history corresponding to the affiliated store information from a predetermined database, and the predetermined slip purchase approval including the extracted at least one slip payment payment approval details. The information is generated (820).

According to the implementation method of the present invention, the slip payment approval information is the total payment amount information approved for payment to the merchant on the basis of the current time request for the slip payment payment information requested by the information requesting unit 710, It is preferable that the card company comprises at least one or more payment date and time information to pay the approved amount of payment from the merchant.

When the slip payment payment approval information is generated, the card company server 740 transmits the generated slip payment payment approval information to the server through the communication means (825), and correspondingly, the server is connected with the financial system. In operation 830, an amount of money corresponding to the total payment amount information included in the slip payment approval information is processed in advance into the merchant account.

If the amount corresponding to the total payment amount information is prepaid to the merchant account (835), the server generates merchant-specific bankbook ledger information including predetermined merchant-specific bankbook entry information corresponding to the slip payment deposit. After storing in the ledger D / B (840), and generates a predetermined information on the down payment of the deposit slip corresponding to the process of the down payment of the slip (845).

9 is a diagram illustrating a post-settlement process of a prepayment of a slip made in accordance with an embodiment of the present invention.

In more detail, FIG. 9 illustrates a document purchase amount payable to the affiliated store by the card company through the process of processing the payment of the slip from the credit card company shown in FIG. 8 at the financial company server 700 on the slip payment settlement processing system shown in FIG. After the prepayment to the merchant account, when the total payment amount to be paid to the merchant in the card company is deposited, the process of settlement of the amount prepaid to the merchant account through the amount deposited from the card company, the present invention Those skilled in the art will be able to infer various implementation methods for the post settlement process of the prepaid slips by referring to and / or modifying the drawing 9, but the present invention is inferred from the above. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the financial company server 700 on the slip payment settlement system shown in FIG. 7 is referred to as a “server” for convenience, and the merchant terminal 735 on the slip payment settlement system shown in FIG. 7 is referred to for convenience. It is called "terminal".

Referring to FIG. 9, the financial company server 700 on the slip payment settlement processing system shown in FIG. 7 based on the merchant information, the slip payment information and the merchant account information stored in the storage medium shown in FIG. After the prepayment of the receivables of the slips to be paid to the affiliated stores by the card company through the slips in advance payment processing shown in 8, the server receives the receivables of the slips provided on the financial system from the card company server 740. A check is made in advance to deposit the document payment to be paid from the card company to the affiliated store as a prepayment processing mother account (900).

If a slip from the card company server 740 receives a slip from the card company from the card company to the affiliated store for payment on the slip, the server is shown in FIG. 8. A predetermined prepayment fee is calculated according to the prepaid slip payment prepaid (910), and the amount deposited from the card company to the mother account for post payment prepayment of the prepaid settlement provided on the financial system and the server are shown in FIG. 8. By comparing the amount of prepayment to the merchant account through the process, the predetermined additional deposit amount to be additionally deposited into the merchant account through the financial system is calculated by the server (915).

Thereafter, the server compares the calculated prepayment fee with the calculated additional deposit amount, and confirms whether or not the settlement process for the prepayment fee is performed through the additional deposit amount (920).

According to an exemplary embodiment of the present invention, if the amount of money deposited from the card company server 740 to the mother account for post payment prepayment processing is greater than the amount prepaid to the merchant account from the account payment for prepayment of the prepayment, The server may settle the calculated prepayment fee from the amount (or the calculated additional deposit amount) deposited from the card company server 740 to the mother account for post payment prepayment.

If the settlement processing result of the prepayment fee is confirmed, the prepayment fee may be settled from the additional deposit amount (925). The server processes the prepayment fee calculated from the amount deposited from the card company and pays the slip. A final deposit amount to be deposited into the merchant account is calculated from a prepayment post-payment mother account (930), and the final deposit amount calculated in connection with the financial system is used for the merchant account in the prepayment post payment settlement mother account. In operation 935, the merchant-specific bankbook ledger information including the predetermined merchant-bankbook entry information corresponding to the deposit processing of the final deposit amount is generated and stored in the ledger D / B.

On the other hand, if the settlement process of the prepayment fee is confirmed and the prepayment fee cannot be settled from the additional deposit amount (925), the server calculates the prepayment from the prepayment amount to the affiliated account through the process shown in FIG. It is checked whether the prepayment fee can be settled (940).

According to the method of the present invention, if the balance of the merchant account is greater than the calculated prepayment fee, the prepayment fee may be settled from the amount prepaid to the merchant account.

If the prepayment fee can be settled from the amount prepaid to the merchant account (945), the server stores the additional deposit amount calculated in connection with the financial system before and after the deposit processing to the merchant account. The prepayment fee is settled from a balance (950), and merchant store book ledger information including predetermined merchant book entry information corresponding to the settlement of the prepayment fee is generated and stored in the ledger D / B (953). ).

On the other hand, if the prepayment fee cannot be settled from the amount prepaid to the merchant account (945), the server deposits the prepayment fee before / after the process of depositing the additional deposit amount calculated in connection with the financial system. In step 955, registration is performed to settle (or reserve) preferentially in the next document purchase prepayment process as shown in FIG.

10 is a diagram showing the configuration of a bill payment processing system according to another embodiment of the present invention.

More similarly, FIG. 10 shows a bill purchase fee to be paid from a predetermined credit card company to a merchant at a predetermined financial company periodically from the card company server 1055 in response to the bill payment request. When the predetermined slip payment approval information is received, the loan corresponding to the slip payment approval information is secured to the affiliated store as a collateral, and when the amount corresponding to the slip payment approval information is received from the card company, Regarding the construction of the slip payment settlement processing system for performing the post-settlement of the mortgage amount corresponding to the slip payment payment approval information, the person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. Or by modifying, the document payment settlement for the post payment settlement of the document payment Would be able to infer a variety of system configurations for the system configuration, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 10.

For example, in FIG. 10, the card company server 1055 stores and manages the document related information generated in the payment processing process through a predetermined payment system. However, the document related information is not included in the card company. (E.g., a document purchase company) may be stored and managed, and the present invention includes all possible implementation methods inferred based on FIG.

Referring to this figure 10 according to the embodiment of the present invention, the voucher payment settlement processing system for the voucher payment prepayment settlement process through the voucher payment security loan procedure according to the present invention, at least one affiliated store connected to a predetermined network means The terminal 1050 receives the slip requesting information secured loan request information including at least one of the merchant information and the secured loan request amount information transmitted from the merchant terminal 1050 to determine whether to secure the mortgage according to the request to secure the loan payment When checking the mortgage loan, the card company server 1055 comprises a financial company server (1000) for loaning the amount corresponding to the purchase price security collateral loan request information as the collateral to purchase the payment to the merchant It is characterized by.

The affiliated store terminal 1050 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer and / or a laptop computer that is communicatively connected to the financial institution server 1000, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal including at least one communication terminal and / or a portable Internet terminal connected to an IEEE 802.16 based high speed wireless Internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it is made, including the merchant terminal 1050 provided by the financial institution server 1000 Also, a function configuration (eg, a browser program and a communication function) for outputting one or more interface screens and inputting and / or selecting at least one or more information through the interface screens and transmitting them to the financial institution server 1000 is provided. It is preferable.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the affiliated store terminal 1050 corresponding to at least one or more wired terminals and / or wireless terminals, and thus, the detailed description thereof Omit for convenience.

When the affiliated store terminal 1050 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP based wired network, and when the affiliated store terminal 1050 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless internet, and / or DataTAC / Mobitex based wireless data communication network.

According to an exemplary embodiment of the present invention, the financial institution server 1000 may provide a web interface corresponding to the affiliated store terminal 1050 and a network means, through a network unit, through a predetermined communication channel with the affiliated store terminal 1050. It characterized in that it comprises an interface unit 1005 for connecting and managing the, whereby the financial institution server 1000 is connected to the merchant terminal 1050 of the web server and the communication via a wired network and / or a wireless network With functions.

According to an exemplary embodiment of the present invention, when the affiliated store terminal 1050 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 1005 may be connected to the affiliated store terminal 1050 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the affiliated store terminal 1050 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting and receiving and processing the predetermined slip payment security loan request information input (or selected) through the interface screen from the affiliated store terminal 1050.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 1050 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 1005 is connected to the affiliated store terminal 1050 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and interface to WML (Wireless Markup Language) and / or HTML compatible document form to the affiliated store terminal 1050 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen, and receiving and processing predetermined slips of loans for information on payments for slips corresponding to the interface screen from the merchant terminal 1050.

According to another exemplary embodiment of the present disclosure, when the affiliated store terminal 1050 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 1005 may be connected to the affiliated store terminal 1050. A predetermined communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16 standard, a predetermined interface screen and / or information providing screen is transmitted to the affiliated store terminal 1050 through the communication channel, and is output. It is preferable to perform a function of receiving and processing the predetermined slip payment secured loan request information corresponding to the interface screen from 1050, and / or the merchant terminal 1050 communicates via a DataTAC / Mobitex-based wireless network When the channel is connected to the wireless terminal, the interface unit 1005 is in accordance with the merchant terminal 1050 and the DataTAC / Mobitex standard A predetermined communication channel is connected based on a corresponding wireless protocol, a predetermined interface screen and / or an information providing screen is transmitted to the affiliated store terminal 1050 through the communication channel, and outputted, and from the affiliated store terminal 1050. It is preferable to perform a function of receiving and processing the predetermined slip payment secured loan request information corresponding to the interface screen.

Referring to FIG. 10, the financial institution server 1000 is connected to the financial institution server 1000 when a predetermined merchant terminal 1050 is connected to the financial institution server 1000 through the interface unit 1005. An interface for generating (or extracting) a predetermined interface screen for the terminal 1050 to input (or select) and transmit a document payment security loan request information including at least one of the merchant information and the security loan request amount information. An information receiving unit 1015 for receiving a slip requesting loan payment information that is input (or selected) and transmitted from the merchant terminal 1050 through the interface screen in association with the providing unit 1010 and the interface unit 1005. And, through a predetermined communication means based on the merchant information contained in the information on the purchase slip secured loan request received through the information receiving unit 1015 An information requesting unit 1025 for requesting slip payment payment approval information corresponding to the affiliate store (or approved by the card company to pay the affiliate store) to the card company server 1055, and the card company server ( A bill payment payment information receiving unit 1015 for receiving a bill payment payment approval information corresponding to the bill payment information request (or the card company is authorized to pay to the affiliated store) from 1055); An information checking unit 1020 for reading the amount corresponding to the slip payment payment approval information and confirming loan approval for the mortgage request amount included in the slip payment mortgage request information; and when checking the loan approval, the loan The mother account for the settlement of the slip on the slip of the slip on the slip of the slip. Payment from the prepayment processing unit 1035 for prepayment processing (or secured loan processing) to the merchant account corresponding to the merchant account information stored in the storage medium from the withdrawal payment and payment of the slips from the card company to the mother account for post payment prepayment processing When the amount corresponding to the approval information is deposited, a post settlement processing unit 1040 for processing post settlement for the mortgage (or the prepaid amount) secured to the merchant account, characterized in that the predetermined network means It is characterized in that it further comprises an information transmitting unit 1045 for transmitting the slip information on the slip payment information and / or post payment payment details to the merchant terminal 1050 (or merchant data receiving means).

The interface providing unit 1010 has a functional configuration (eg, an affiliated store terminal) provided in the affiliated store terminal 1050 when a predetermined affiliated store terminal 1050 is connected to the financial company server 1000 through the interface unit 1005. Generate a predetermined interface screen for inputting (or selecting) predetermined slip payment mortgage loan request information to the financial institution server 1000 through the network means in response to a browser program (at 1050); And / or extracts from a predetermined database (not shown) and provides the generated (or extracted) interface screen to the affiliated store terminal 1050 through the network means in association with the interface unit 1005. It is done.

Subsequently, the affiliated store terminal 1050 inputs (or selects) the purchase payment security loan request information including at least one of merchant information and collateral loan request amount information based on the interface screen, and the input (or selected) The document payment security loan request information is transmitted to the financial institution server 1000 through the network means.

The information receiving unit 1015 interoperates with the interface unit 1005 when the affiliated store terminal 1050 inputs (or selects) predetermined slip payment security loan request information through the interface screen and transmits the information through the network means. Receiving the information on the slip payment secured loan request, characterized in that the received slip payment loan request information is provided to the information request unit 1025.

The information requesting unit 1025 corresponds to the affiliated store (or the card company to the affiliated store) to the card company server 1055 through a predetermined communication means based on the affiliated store information included in the slip payment mortgage request information. Requesting approval for the payment of the slip of the slip).

According to an embodiment of the present invention, the information requesting unit 1025 corresponds to the affiliate store from the card company server 1055 by providing the affiliate store information to the card company server 1055 through the communication means. It is preferable that the card company requests the payment information for approval of the slip paid to the affiliated store.

The card company server 1055 that has received the slip payment payment approval information from the database storing at least one slip payment payment request information approved for payment includes at least one slip payment payment approval corresponding to the received merchant information. After confirming, a predetermined slip payment payment approval information including the slip payment approval information is generated and transmitted to the financial company server 1000 through the communication means.

The slip payment payment approval information receiving unit 1015 receives the predetermined slip payment payment information (or the predetermined slip payment payment approved by the card company to pay the merchant through the communication requesting unit 1025). Approval information), and provides the received slip payment approval information to the information checking unit 1020.

According to the method of the present invention, the slip payment payment approval information is the total payment amount information approved for payment to the merchant on the basis of the current time that the slip payment payment approval information is requested by the information requesting unit 1025, It is preferable that the card company comprises at least one or more payment date and time information to pay the approved amount of payment from the merchant.

The information confirming unit 1020 confirms the secured loan approval for the collateral loan request amount included in the slip on the slip request information based on the total payment amount information and payment date information included in the slip payment payment approval information. It is characterized by.

According to the exemplary embodiment of the present invention, the total amount of payment information included in the slip payment request information received through the slip payment payment approval information receiving unit 1015 is the mortgage request amount included in the slip payment request information. If less than or equal to, the information check unit 1020 is preferably to approve the security loan for the collateral loan request amount included in the information on the purchase slip secured loan request information.

According to another embodiment of the present invention, the total amount of payment included in the slip payment request information received through the slip payment approval information receiving unit 1015 is the mortgage request amount included in the slip payment request information mortgage request information 1010. If greater than the information, the information checking unit 1020 requests the total payment amount included in the slip payment approval information for a predetermined period of time through the information requesting unit 1025, and correspondingly, the slip payment payment is approved. The total payment amount included in the slip payment approval information for the past period included in the slip payment approval information received through the information receiving unit 1015 for the collateral loan request amount included in the slip payment request information. If it is confirmed that the security is set as collateral, the collateral included in the information on the request for purchase of collateral loan It is desirable to approve a mortgage for the amount requested.

When the mortgage loan approval for the amount of the security loan request included in the information on the secured loan payment request is confirmed, the information checking unit 1020 may determine the amount of the secured loan request included in the secured loan payment request information on the slip It is characterized by checking the loan amount.

According to the exemplary embodiment of the present invention, the information checking unit 1020 may further perform a function of adjusting the amount of the security loan request included in the slip payment request loan information in connection with the affiliated store terminal 1050, Thereby, this invention is not limited.

When the payment amount secured by the purchase amount corresponding to the request information for the loan on the payment amount is confirmed, the deposit processing unit 1035 corresponds to the payment amount secured loan amount information from the mother account for the payment after payment of the payment amount in connection with the financial system. It is characterized in that the withdrawal of the amount of money to be deposited into the merchant account in the name of the merchant corresponding to the merchant information.

According to an embodiment of the present invention, the merchant account includes a real account opened in the merchant name on the financial system or includes at least one virtual account opened in the merchant name on the financial system. It is preferable to make it.

Here, the virtual account of the merchant name is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the card company mother account, or the agency that pays the slips according to the implementation method If present, it is possible to open all in the form of a virtual account associated with the parent account of the slip payment agency agency, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the prepayment processing unit 1035 deposits the amount corresponding to the slip payment mortgage amount information into the merchant account of the affiliate store name, the information transmission unit 1045 may process the slip payment prepayment ( Or generating the specified slip payment prepayment history information corresponding to the collateral loan process and transmitting the predetermined slip payment information to the affiliated store terminal 1050 (for example, a wired terminal or a wireless terminal of the affiliated customer) through a predetermined network means. .

According to another exemplary embodiment of the present invention, when the prepayment processing unit 1035 deposits an amount corresponding to the slip payment mortgage amount information into the merchant account of the affiliate store name, the information transmitting unit 1045 processes the slip payment prepayment. (Or secured loan payment processing) generates predetermined payment information on the down payment history and generates the merchant side data receiving means (e.g., the merchant customer's mail account or short message service (SMS)) through a predetermined network means. Receiver).

The post-payment processing unit 1040 withdraws the amount corresponding to the information on the voucher payment secured loan amount information from the mother account for the bill payment prepayment after payment in connection with the financial system, the prepayment processing unit 1035 corresponding to the merchant information. When the deposit processing to the merchant account in the name of the merchant to be, characterized in that the deduction of a predetermined mortgage interest from the amount to be deposited into the merchant account, in this case, the amount that the prepayment processing unit 1035 actually deposits into the merchant account It is preferable to include an amount deducting the interest on the secured loan from the amount of the secured loan on the slip.

Alternatively, the post-payment processing unit 1040 may withdraw the amount corresponding to the document payment security loan amount information information from the mother account for the payment of the deposit payment, the prepayment payment in advance after the prepayment processing unit 1035 in connection with the financial system. After the deposit is processed to the merchant account of the merchant name corresponding to the deposit, the total amount to be paid from the card company to the merchant through the bank account from the card company server (1055) to the bill payment prepayment payment processing account. When the prepayment processing unit 1035 calculates the predetermined mortgage interest corresponding to the amount of the mortgage (or the prepayment) to the merchant account, and calculates the calculated mortgage interest. It is done.

According to the exemplary embodiment of the present invention, when the total amount to be paid from the card company to the affiliate store is received from the card company server 1055 through the financial system to the bill payment prepayment after settlement, the prepayment processor 1035. After calculating a predetermined mortgage interest corresponding to the amount secured (or prepaid) the amount secured to the merchant account, the card company server (1055), the deposit to the mother account for the post-payment deposit prepayment processing It is preferable to compare the amount with the amount secured (or prepaid) to the merchant account in the mother account for the post-payment of the down payment.

If the comparison result, the amount of money deposited from the card company server 1055 to the mother account for post-payment prepayment processing is pre-collateralized (or prepaid) from the mother account for post-payment prepayment processing. If the amount is greater than the amount, the post settlement processing unit 1040 is the amount of mortgage interest calculated from the amount to be additionally deposited into the merchant account from the amount deposited from the card company server 1055 to the post-payment prepayment processing mother account. After deducting, it is preferable that the additional deposit amount is deposited and settled to the affiliated account from the mother account for the post payment settlement of the slip.

On the other hand, the comparison result shows that the amount of money deposited from the card company server 1055 to the mother account for the post payment on the prepayment of the slip is processed from the mother account for the payment after the payment on the slip to the merchant account (or prepaid). ) Or less than the amount, or if the amount to be further deposited from the mother account for the post-payment prepayment settlement processing account to the merchant account, less than the calculated mortgage interest, the post-payment processing unit 1040 will be transferred to the merchant account It is preferable to settle the mortgage interest on the amount secured (or prepaid).

Alternatively, the amount deposited from the card company server 1055 to the mother account for the post payment on the prepayment of the slip is more than the amount secured from the mother account for the post payment on the prepayment of the slip on the merchant account (or prepaid). If the amount of the additional deposit is less than the calculated mortgage interest, or less than the calculated mortgage interest from the mother account for the post-payment prepayment of the slips, the prepaid loan is processed (or prepaid). If the balance in the amount is less than the mortgage interest, the post-settlement processing unit 1040 preferably settles the mortgage interest from the amount of money to be prepaid to the merchant account.

According to the exemplary embodiment of the present invention, when the post-payment processing unit 1040 post-pays the voucher, the information transmission unit 1045 may set the post-payment post-settlement history information corresponding to the post-payment of the voucher. It generates and transmits to the affiliated store terminal 1050 (for example, wired terminal, or wireless terminal of the merchant customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-payment processing unit 1040 post-pays the voucher payment, the information transmission unit 1045 may set the post-payment details of the predetermined slip on the voucher. It generates information and transmits the information to the affiliated store data receiving means (for example, the merchant customer's mail account or short message (SMS) receiving device) through a predetermined network means.

According to an exemplary embodiment of the present invention, the information transmission unit 1045 analyzes an affiliate account for each affiliate store (eg, a virtual account in the name of the affiliate store) in addition to the slip payment prepaid history information and / or post payment settlement information. And, the result of the merchant account analysis report, etc. are transmitted to the affiliated store terminal 1050 (for example, a wired terminal or a wireless terminal of a merchant customer) through a predetermined network means, and / or the merchant side data receiving means ( For example, characterized in that the transmission to the merchant customer's mail account, or a short message (SMS) receiving device).

FIG. 11 is a diagram illustrating a process of processing a prepayment of a slip on a slip of a slip of a slip of a slip of a slip of a slip of a slip of a slip of a slip of a slip of a slip of a slip;

In more detail, in FIG. 11, at least one affiliated store terminal 1050 on the slip payment settlement processing system shown in FIG. 10 provides at least one merchant information and a security loan request amount information to the financial company server 1000 through a predetermined network means. When the information on the payment of the payment for the loan of the payment for the payment of the payment of the advance payment of the payment of the payment is made, the credit card company from the card company to the affiliate store based on the request for payment of the payment on the loan of the loan of the payment slip It is a process of collateralized loan processing (or prepayment processing) to the merchant by setting the amount to be paid as collateral, and the predetermined amount of the payment on the slip of the document purchase, and if the person having ordinary knowledge in the technical field to which the present invention belongs, Documents through the loan procedure for the documented payables with reference to and / or modified from FIG. Various implementation methods for the deposit payment process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the financial institution server 1000 on the slip payment settlement processing system shown in FIG. 10 is referred to as "server" in FIG. 11, and the merchant terminal 1050 on the slip payment settlement system shown in FIG. 10 is referred to as convenience. It is called "terminal".

Referring to FIG. 11, the terminal on the slip payment settlement processing system shown in FIG. 10 connects to the server through the network means and connects a communication channel for the bill payment after payment through a slip payment secured loan procedure. (1100).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

As described above, when a communication channel for post-payment advance payment is settled through the slip payment loan secured procedure between the terminal and the server is connected, the terminal receives the slips paid through the slip of the purchase slip secured to the server through the communication channel. Request (1105) an interface screen for the prepayment and settlement process, and correspondingly, the server generates (or selects) an interface screen including a user interface for inputting (or selecting) the information on the payment of the slip of the slip of the document. And extracts the generated (or extracted) interface screen to the terminal through the communication channel (1115).

Subsequently, the terminal inputs (or selects) the purchase payment security loan request information including at least one of the merchant information and the security loan request amount information through the user interface for inputting (or selecting) the purchase payment security loan request information. (1120).

If the terminal purchases the payment information for the secured loan request including at least one of the merchant information and the secured loan request amount information (1125), the terminal purchases the payment to the server through the communication channel. Sending the mortgage loan request information (1130), and in response, the server requests the slip payment payment approval information for the merchant from the card company server 1055 through the affiliate store information included in the slip purchase loan request information. (1135).

Thereafter, the card company server 1055 extracts at least one slip payment payment approval history corresponding to the affiliated store information from a predetermined database, and the predetermined slip purchase approval including the extracted at least one slip payment payment approval details. Generate information (1140).

According to the method of the present invention, the slip payment payment approval information is the total payment amount information approved for payment to the merchant on the basis of the current time that the slip payment payment approval information is requested by the information requesting unit 1025, It is preferable that the card company comprises at least one or more payment date and time information to pay the approved amount of payment from the merchant.

When the slip payment payment approval information is generated, the card company server 1055 transmits the slip payment payment approval information generated to the server through the communication means (1145), and correspondingly, the server receives the slip payment received. The payment approval information is read to check whether or not the security loan is approved for the security loan request amount included in the slip request information secured by the payment (1150).

According to an embodiment of the present invention, the server grants the security loan to the collateral loan request amount included in the slip purchase information secured loan request information based on the total payment amount information and the payment date information included in the slip payment approval information. It is desirable to check.

According to an exemplary embodiment of the present invention, when the collateral loan request amount included in the slip payment request information is less than or equal to the total payment amount information included in the received slip payment approval information, the server selects the slip. It is desirable to approve the mortgage for the amount of the mortgage request included in the information on the mortgage loan request.

According to another exemplary embodiment of the present invention, when the collateral loan request amount included in the slip purchase information secured loan request information is larger than the total payment amount information included in the received slip payment approval information, the server may generate the information. Request the total payment amount included in the slip payment approval information for the past predetermined period through the request unit 1025, and in response to the slip payment payment approval for the past predetermined period included in the received slip payment approval information If it is determined that the total payment amount included in the information is effective to set the security for the mortgage request amount included in the slip request information, the loan amount for the mortgage request included in the slip request information. It is desirable to approve mortgage loans.

According to the exemplary embodiment of the present invention, the server may further perform a function of adjusting the security loan request amount included in the slip payment request loan information in connection with the affiliated store terminal 1050, whereby the present invention It is not limited.

If the result of the confirmation confirms the secured loan for the collateral loan request amount included in the slip on the slip request information (1155), the server actuals the amount of the secured loan request on the slip on the slip request information. A mortgage amount is calculated (1160).

According to the method of the present invention, the mortgage loan amount is preferably made to include the mortgage request amount included in the slip payment request information.

When the mortgage request amount included in the slip payment request information is adjusted according to another embodiment of the present invention, the mortgage amount is adjusted from the mortgage request amount included in the slip payment request information. It is preferable to comprise a.

Thereafter, the server processes a prepayment of the amount corresponding to the security loan amount information to the affiliated store account in connection with the financial system (1165).

If the amount corresponding to the mortgage loan amount information is prepaid (or secured loan processing) to the merchant account (1170), the server is a predetermined merchant dedicated bank account corresponding to the slip payment proceeds (or secured loan processing); After generating the merchant ledger ledger information including entry information and storing it in the ledger D / B (1175), predetermined slip payment advance information (or collateral) corresponding to the slip payment processing (or collateral loan) is performed. Loan details information) is generated and transmitted to the terminal (1180).

FIG. 12 is a diagram illustrating a post-settlement process of a slip payment processed by a mortgage according to an exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates a document purchase payment to be paid to the affiliated store by the card company through the process of depositing the payment of the slip from the bank company 1000 on the slip payment settlement processing system shown in FIG. 10. After the prepayment (or mortgage) is processed into the merchant account, when the total payment amount to be paid to the merchant is received by the card company, the prepayment process (or the mortgage processing) is made through the amount deposited from the card company. As a person having ordinary skill in the art to which the present invention pertains, the person who has ordinary knowledge in the technical field to which the present invention belongs is subjected to the post-settlement process of the document payment processed by the collateral loan by referring to and / or modifying the drawing 12. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred. It said, shall not be limited to the exemplary method shown in the figure 12.

Hereinafter, in FIG. 12, the financial company server 1000 on the slip payment settlement system shown in FIG. 10 is referred to as a “server” for convenience, and the merchant terminal 1050 on the slip payment settlement system shown in FIG. 10 is referred to for convenience. It is called "terminal".

Referring to FIG. 12, the financial company server 1000 on the slip payment settlement processing system shown in FIG. 10 is based on the merchant information, the slip payment information and the merchant account information stored in the storage medium shown in FIG. After the prepayment processing (or collateral loan processing) of the prepayment to be paid to the affiliated store by the card company through the slip payment advance payment process shown in 11, the server is the server from the card company 1055 It is checked whether the payment of the slips to be paid from the card company to the affiliated store is carried out as a mother account for the payment of the slips on the slips of the slips provided on the financial system (1200).

If a slip from the card company 1055 is received from the card company from the card company to the affiliated account for the payment of the slip on the slip, the server is shown in FIG. A predetermined mortgage interest is calculated according to the prepaid slip payment processing (1210), and the amount of money deposited from the card company to the mother account for the prepayment of the slips of the slips provided on the financial system and the server in FIG. By comparing the amount prepaid (or secured loan) to the merchant account through the illustrated process, the server calculates a predetermined additional deposit amount to be additionally deposited into the merchant account through the financial system (1215). .

Thereafter, the server compares the calculated mortgage interest with the calculated additional deposit amount, and checks whether or not the settlement process for the security interest through the additional deposit amount is settled (1220).

According to the exemplary embodiment of the present invention, the amount of money deposited from the card company server 1055 to the mother account for the post payment prepayment processing is prepaid to the merchant account from the mother account for the post payment for the prepayment of the slip (or collateral loan). If the amount is greater than the processed amount, the server may process the calculated mortgage interest from the amount (or the calculated additional deposit amount) deposited from the card company server 1055 to the mother account for post payment prepayment. Can be.

If the settlement processing result of the mortgage interest is confirmed and the mortgage interest can be settled from the additional deposit amount (1225), the server processes the calculated mortgage interest from the amount deposited from the card company. The final deposit amount to be deposited into the merchant account is calculated from the mother account for processing the post-payment prepayment after payment of the slip (1230), and the final deposit amount calculated in connection with the financial system is calculated from the prepayment for the post payment of the slip on the slip. Deposit processing to the merchant account (1235), and generates merchant-specific bankbook ledger information including predetermined merchant-specific bankbook entry information corresponding to the deposit processing of the final deposit amount is stored in the ledger D / B (1237) .

On the other hand, if the settlement processing confirmation result for the mortgage interest is confirmed and if the mortgage interest cannot be settled from the additional deposit amount (1225), the server processes the prepayment to the merchant account through the process shown in FIG. The mortgage lending process checks whether the calculated mortgage interest can be settled (1240).

According to the method of the present invention, if the balance of the merchant account is greater than the calculated mortgage interest, the mortgage interest may be settled from the amount prepaid (or secured) into the merchant account.

If the mortgage interest can be settled from the amount prepaid (or secured loan) in the merchant account (1245), the server connects the calculated additional deposit amount to the merchant account in connection with the financial system. Before and after the payment processing, the payment process of the mortgage interest from the merchant account balance (1250), and generates merchant-specific bank account book information including the predetermined merchant-specific bankbook entry information corresponding to the settlement process of the security loan interest; It is stored in the ledger D / B (1253).

On the other hand, if the mortgage interest cannot be settled from the amount prepaid (or secured loan) in the merchant account (1245), the server connects the calculated additional deposit amount to the merchant account in connection with the financial system. Before and after the deposit processing, the mortgage interest is registered (or reserved) to be settled preferentially in the next document purchase prepayment process shown in FIG. 11 (1255).

FIG. 13 is a diagram illustrating a system for issuing a passbook for a medical institution for managing a medical insurance premium of a medical institution according to an exemplary embodiment of the present invention.

In more detail, Figure 13 shows that a predetermined customer provides a bank account issuing application information for managing a medical insurance premium of a medical institution according to the present invention to a bank account issuing system through a predetermined bank account issuing interface, in the bank account issuing system As a configuration of a system for issuing a predetermined medical institution specific bank book to the customer based on the provided medical institution bank account issuance application information, if the person having ordinary knowledge in the technical field to which the present invention belongs, see FIG. Alternatively, the present invention may infer various implementation methods for the construction of a medical institution-specific bank account issuing system for managing the medical insurance premiums of the medical institution, but the present invention includes all the implementation methods inferred by the implementation method illustrated in FIG. It is not limited.

Hereinafter, at least one of issuing a predetermined medical institution-specific bankbook to the customer based on the medical institution-specific bank account issuance information provided from the customer through the predetermined medical institution-specific bank account issuing interface on the medical institution-specific bank account issuing system shown in FIG. Components corresponding to the above means and / or functional configuration are referred to as "bankbook issuing server 1300" for convenience.

Referring to FIG. 13 according to an embodiment of the present invention, a medical institution bank account issuing system for managing medical insurance claims of a medical institution according to the present invention includes an employee terminal used by a teller provided with at least one financial institution. Characterized in that, the employee terminal is connected to the communication channel and the bankbook issuing server 1300 provided on the bankbook issuing system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the financial institution to manage the medical insurance money of the medical institution according to the present invention and through the window (or through a teller) provided at the financial institution, the medical insurance money of the medical institution. Fill out an application for issuing a specific bank account booklet for management (e.g., a document with a form for filling in at least one information item for managing a medical insurance claim of a medical institution) (or the clerk visits the customer and Have the customer fill out the application form for issuing a specific medical institution passbook for managing the medical insurance money of the medical institution), and submit the completed application form for issuance of the medical institution specific passbook to the teller staff, and the teller staff will receive the medical institution through a predetermined staff terminal. Enter the information provided on the application form Select), and the staff terminal is preferably sent to the bank book issuing server 1300 is provided on the passbook issuing system through the network means to the information, the input (or selected).

Here, the employee terminal preferably comprises an employee terminal used by the teller staff provided in the financial institution, the bankbook issuance server 1300 connected to the employee terminal is ledger server provided on the predetermined financial system Preferably, the network means for connecting the employee terminal and the bankbook issuance server 1300 is connected to the communication network between the employee terminal and the bankbook issuance server 1300 (eg, bank network) It is preferable to comprise a.

In the medical institution specific bank issuing system as described above, a medical network bank account issuance application prepared by the customer, the employee terminal used by the teller staff and the financial network connecting the employee terminal and the bankbook issuing server 1300 is the customer The medical institution according to the present invention performs a function of the medical institution specific bank account issuing interface for registering the medical institution bank account issuance application information for managing the medical insurance benefits.

A financial institution that issues a medical institution-specific bankbook to the customer has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 13, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The bankbook issuing server 1300 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system side components connected to the bankbook issuing terminal 1335 and a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 1300 is provided with an interface unit 1305 which provides a predetermined bankbook issuing interface for a predetermined medical institution through the network means to the bankbook issuing terminal 1335. It is done.

According to an embodiment of the present invention, when the bankbook issuing terminal 1335 is an employee terminal connected to a predetermined financial network, the interface unit 1305 may be connected to the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a medical institution specific bank issuance application program provided in the employee terminal.

Referring to FIG. 13, the bankbook issuing server 1300 is interlocked with the interface unit 1305 when a predetermined bankbook issuing terminal 1335 is connected to the bankbook issuing server 1300 through the interface unit 1305. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined bankbook issuance application information from the bankbook issuing terminal 1335 to the bankbook issuing terminal 1335. An information receiving unit for receiving a predetermined medical institution passbook issuing information that is input (or selected) and transmitted from the bankbook issuing terminal 1335 through the user interface in cooperation with the providing unit 1310 and the interface unit 1305. 1315 and a predetermined medical institution-specific bank corresponding to the medical institution-specific bank book to be issued to the customer based on the received medical institution-specific bank account issuance application information. An information generating unit 1325 for generating information, a bankbook issuing unit 1330 for issuing a predetermined medical institution-specific bankbook containing the medical institution-specific bankbook information through a predetermined bankbook issuing device, and a medical institution issued to the customer And an information storage unit 1320 for storing the general ledger information for medical institutions corresponding to the bankbook in the ledger D / B on the financial system.

The interface providing unit 1310 corresponds to a functional configuration provided in the bankbook issuing terminal 1335 when a predetermined bankbook issuing terminal 1335 is connected to the bankbook issuing server 1300 through the interface unit 1305. To generate (or select) the bank account issuance application information for the medical institution, and to generate a predetermined user interface capable of transmitting to the bank account issuing server 1300 through the network means, and / or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface in cooperation with the interface unit 1305 to the bankbook issuing terminal 1335 via the network means.

Thereafter, the bankbook issuing terminal 1335 inputs (or selects) the medical institution-specific bankbook issuing application information based on the user interface, and inputs (or selects) the medical institution-specific bankbook issuing application information through the network means. The bankbook issuance server 1300 is transmitted.

According to an embodiment of the present invention, when the bankbook issuing terminal 1335 is an employee terminal connected to a predetermined financial network, the interface providing unit 1310 is provided as a medical institution-specific bankbook issuing application program provided in the employee terminal. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the employee terminal with the generated (or extracted) user interface through the interface unit 1305.

The information receiving unit 1315 inputs (or selects) predetermined application information for issuing medical institution specific bankbooks through the user interface from the bankbook issuing terminal 1335 and transmits the information through the network means. It is characterized in that for receiving the medical institution dedicated bank account issuing application information, the received medical institution dedicated bank account issuing application information is provided to the information generating unit 1325.

According to an embodiment of the present invention, the medical institution-specific bank account issuance application information comprises at least one or more medical institution information for obtaining the medical institution-specific bankbook and financial account information (or virtual account information) to be associated with the medical institution-specific bank account. It is preferable.

Here, the financial account information (or virtual account information) to be associated with the medical institution bank account, the account number corresponding to the account already established in the ledger D / B on the financial system in the name of the medical institution (or medical institution representative name) Preferably, if the account is not opened in the financial system name (or medical institution representative name), the account requesting to open a new account of the medical institution name (or medical institution representative name) to the financial system It is preferable to further include establishment request information.

The information generation unit 1325 generates predetermined medical institution-specific bankbook information to be provided in the medical institution-specific bankbook to the customer based on the medical institution-specific bankbook issuance application information received through the information receiving unit 1315. The medical institution specific bankbook information includes basic information including medical institution name, medical institution number, deposit type, new date, issue date and bankbook number, at least one medical insurance claim date, medical insurance claim, medical insurance claim amount, medical Passbook entry information related to medical insurance claims including at least one claim claim number and a medical insurance payment authorization number, the date and time of payment of medical insurance benefits, the contents of medical insurance payments, the amount of medical insurance payments, and the medical insurance payment number Accounting book related to insurance processing, including at least one It is preferable to include at least one beam.

When the information generating unit 1325 generates the predetermined medical institution passbook information provided in the medical institution-specific passbook, the passbook issuer 1330 includes the medical institution-specific passbook information through a predetermined passbook issuing device. It is characterized by producing a dedicated bank account (or having the medical institution bank account information in the medical institution bank account), the medical institution bank account is provided (or shipped) to the customer.

If the medical institution-specific bankbook is a paper bankbook, the bankbook issuing device includes a device for printing the medical institution-specific bankbook information on at least one form provided in the medical institution-specific bankbook, wherein the information generation unit 1325 ) Generates a passbook information for medical institutions with a data structure printable on at least one paper bankbook form, and the passbook issuer 1330 prints the passbook information for medical institutions on at least one form through the passbook issuing device, Issue a special bank account for a given medical institution.

Alternatively, if the medical institution dedicated bankbook is an IC (Integrated Circuit) card, the passbook issuing device comprises a device for recording the medical institution dedicated bankbook information in the memory provided on the IC chip of the medical institution dedicated bankbook, wherein the The information generation unit 1325 generates the medical institution specific bankbook information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 1330 is configured to execute the bankbook issuing device. By recording the bank account information for medical institutions in the memory of the IC chip, a predetermined bank account for medical institutions is issued.

The medical institution dedicated bankbook prepared as described above may be provided to the customer, and / or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer passes through the bank account issuing system according to the present invention. Will be used.

Subsequently, the information storage unit 1320 is based on the medical institution-specific bank account issuance application information and the medical institution-specific bank account information received from the customer through the information receiving unit 1315, the medical institution on the ledger D / B on the financial system And storing the ledger information for the medical institution-specific bankbook in the form of additional information of the account ledger (or the receiving ledger) corresponding to the financial account associated with the dedicated bankbook.

Here, the medical institution specific ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the medical institution dedicated bank account on the ledger D / B on the financial system of the medical institution dedicated account information. It is preferable to include at least one information item to be.

14 is a diagram illustrating a process for issuing a passbook for a medical institution for managing a medical insurance premium of a medical institution according to an exemplary embodiment of the present invention.

In more detail, Figure 14 shows that a predetermined customer in the medical institution passbook issuing system shown in Figure 13, the predetermined bankbook is issued through a predetermined medical institution passbook issuance interface (for example, a medical institution passbook issuance application and staff terminal and network means) When the bank issuing server 1300 transmits a predetermined medical institution specific bank issuance application information to the server 1300, the bank account issuing server 1300 issuing a predetermined medical institution specific bank account based on the application information issued by the medical institution dedicated bank As for the process, one of ordinary skill in the art to which the present invention pertains can refer to various embodiments of the present invention to infer various medical methods for issuing a bank account for managing the medical insurance of the medical institution by referring to and / or modifying the drawing. As will be appreciated, the present invention encompasses all of the inferred practice methods, and It is not limited to the implementation method shown in 14.

For example, FIG. 14 illustrates that the medical institution bank book is prepared and provided (or shipped) to the customer, and then the predetermined medical institution bank book information is stored in the ledger D / B on the financial system. According to the intention of the person skilled in the art, the process of storing predetermined medical ledger information in the ledger D / B on the financial system is provided to the customer before the medical institution ledger is created or after the medical institution ledger is created ( Or before delivery), but the present invention is not limited thereto.

Hereinafter, in FIG. 14, the bankbook issuing terminal 1335 illustrated in FIG. 13 is referred to as a "terminal" for convenience, and the bankbook issuing server 1300 is referred to as a "server" for convenience.

Referring to FIG. 14, the customer who wants to issue the medical institution specific bankbook for managing the medical insurance money of the medical institution includes a predetermined medical institution bankbook issuance application information through a predetermined medical institution bankbook issuing interface. After filling out the issuance application form, the server provides the application information for issuing the bankbook dedicated to the medical institution through a predetermined bankbook issuing interface (1400).

Here, the medical institution dedicated bank account issuing interface preferably comprises a medical institution dedicated bank account issuance application and the staff terminal used by the financial institution staff and network means for connecting the employee terminal and the server.

In addition, the medical institution specific bank account issuing application information provided to the server through the medical institution bank account issuing interface, the medical institution information to be issued the medical institution bank account, and the financial account information (or virtual account information) to be associated with the medical institution bank account It is preferable to include at least one.

When a predetermined medical institution specific bank issuance application information is received through the medical institution specific bank account issuing interface, the server reads the received medical institution specific bank account issuance application information, thereby validating whether the medical institution specific bank account can be issued to the customer. Check (1405).

Here, the check for validity of issuance of the bankbook dedicated to the medical institution may include checking whether the medical institution information included in the bankbook issuance application information is a valid medical institution, and the financial account information included in the bankbook issuance application information for the medical institution. It is preferable to include at least one or more to check whether the D / B is already provided.

According to the method of the present invention, when the ledger D / B on the financial system does not have a financial account to be linked with the bank account dedicated to the medical institution, the server further provides a procedure for opening a new financial account to be linked with the bank account dedicated to the medical institution. The present invention is not limited thereto.

If the validity for issuing the medical institution-specific bankbook to the customer is not authenticated through the medical institution-specific bank account issuing application information (1410), the server passes the medical institution-specific bank account issuing interface to the client. Provide issuance error information (1415) and stop issuing the medical institution-specific bankbook to the customer.

When the validity of issuing the medical institution-specific bankbook is authenticated to the customer through the medical institution-specific bankbook issuing application information (1410), the server is based on the medical institution-specific bankbook issuing application information to the medical institution-specific bankbook In operation 1420, corresponding bank information for a predetermined medical institution is generated.

In this case, the medical institution-specific bank account information includes the basic information, including the medical institution name, medical institution number, deposit type, new date, issue date and bank account number, at least one medical insurance claim date, medical insurance claim, medical insurance claim amount, medical Passbook entry information related to medical insurance claims including at least one claim claim number and a medical insurance payment approval number, medical insurance payment date and time, medical insurance payment contents, medical insurance payment amount, medical insurance payment number, etc. It is preferable that the at least one insurance information related to the at least one account entry information including at least one.

According to one embodiment of the present invention, if the medical institution bankbook is a paper bankbook, the generated medical institution bankbook information preferably includes a data structure printable on the paper bankbook form.

According to another embodiment of the present invention, if the medical institution dedicated bankbook is an IC card, the generated medical institution dedicated bank information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. Do.

Thereafter, the server generates a predetermined medical institution specific account book having the medical institution specific account information through a predetermined bankbook issuing device and provides (or delivers) it to the customer (1425).

According to one embodiment of the present invention, if the medical institution passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the medical institution passbook information on the form provided in the medical institution passbook.

According to another embodiment of the present invention, if the passbook for a medical institution is an IC card, the passbook issuing device preferably includes a device for recording the passbook information for the medical institution in a memory provided in an IC chip of the passbook for the medical institution. Do.

Thereafter, the server generates predetermined medical institution bankbook ledger information through the medical institution bank account issuing application information and the generated medical institution bank account information provided from the customer through the medical institution bank account issuing interface (1430). The ledger information for the medical institution-specific bankbook is stored in the ledger D / B on the financial system (1435).

Here, the medical institution specific ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the medical institution dedicated bank account on the ledger D / B on the financial system of the medical institution dedicated account information. It is preferable to include at least one information item to be.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

FIG. 15 is a diagram illustrating a system for issuing a passbook for a medical institution for managing a medical insurance premium of a medical institution according to another exemplary embodiment of the present invention.

In more detail, Figure 15 shows that a predetermined customer provides a bank account issuing application information for managing a medical insurance premium of a medical institution according to the present invention through a bank account issuing interface through a predetermined bank account issuing interface, As a configuration of a system for issuing a predetermined medical institution specific bank book to the customer based on the provided medical institution bank account issuance application information, the person of ordinary skill in the art to which the present invention pertains, see FIG. Alternatively, it may be possible to infer various implementation methods for the construction of a medical institution passbook issuance system for managing the medical insurance claims of the medical institution, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

Hereinafter, at least one of issuing a predetermined medical institution-specific bankbook to the customer based on the medical institution-specific bank account issuance information provided from the customer through the predetermined medical institution-specific bank account issuing interface on the medical institution bank account issuing system shown in FIG. Components corresponding to the above means and / or functional configuration are referred to as "bankbook issuing server 1500" for convenience.

Referring to this figure 15 according to the embodiment of the present invention, the medical institution bank account issuing system for managing the medical insurance money of the medical institution according to the present invention, the medical institution bank account issuance system supports a non-face-to-face application for issuing bank account If so, characterized in that it comprises a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, wherein the client terminal is provided on the bank account issuing system through a predetermined network means Issuing server 1500 and the communication channel is connected.

According to an exemplary embodiment of the present invention, when the medical institution bank account issuing system supports a non-face-to-face medical institution bank account issuance application, the customer is connected to a wired terminal and / or a wireless network connected to a predetermined wire network. A medical institution for accessing the bankbook issuing server 1500 through at least one client terminal among wireless terminals, and through the at least one user interface provided by the bankbook issuing server 1500 for managing the medical insurance of the medical institution according to the present invention. When inputting (or selecting) the exclusive bankbook issuing information, it is preferable that the client terminal transmits the bankbook issuing server 1500 provided on the bankbook issuing system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network It is preferable to make.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one or more user interfaces provided by the bankbook issuing server 1500, and inputs and / or selects at least one or more information through the user interface to the bankbook issuing server 1500. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the bankbook issuing server 1500, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the medical institution-specific bank account issuing system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the bankbook issuing server 1500. The network and / or wireless network performs a function of a medical institution-specific bankbook issuing interface for the customer to register the medical institution-specific bankbook issuing application information for managing the medical insurance benefits of the medical institution according to the present invention.

According to another exemplary embodiment of the present invention, when the medical institution bank account issuing system supports a non-face-to-face medical institution bank account issuance application, the bankbook issuance terminal 1535, in addition to the client terminal, a predetermined financial network (for example, A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the financial common network, and / or a predetermined public service. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a wireless such as a mobile communication network or a wireless VoIP network. The terminal further comprises a predetermined call terminal (not shown) connected to the telephone network, and / or is provided in at least one institution affiliated with the financial institution. (And / or server) (not shown), whereby the present invention is not limited.

In the case of supporting a non-face-to-face medical institution issuance application as described above, when the bankbook issuance terminal 1535 is the financial automated device (not shown), the financial automated device (not shown) and the financial automation The financial network connecting the device (not shown) and the bankbook issuing server 1500 has a function of a medical institution-specific bankbook issuing interface for the customer to register a medical institution-specific bankbook issuing application information for managing the medical insurance money of the medical institution according to the present invention. And / or If the passbook issuing terminal 1535 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the passbook issuing server 1500 The wired telephone network and / or the wireless telephone network are registered by the customer in the medical institution specific bankbook issuance application information for the medical insurance management of the medical institution according to the present invention A terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a bankbook issuing terminal 1535, and / or performs a function of a bankbook issuing interface dedicated to a medical institution. (And / or server) (not shown) and the network connecting the terminal (and / or server) (not shown) and the bankbook issuance server 1500 for the customer to manage the medical insurance of the medical institution according to the present invention It performs the function of the medical institution's bankbook issuing interface for registering medical institution's bank account issuing information.

A financial institution that issues a medical institution-specific bankbook to the customer has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) And / or at least one financial transaction via at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). It provides IC chip-based non-face-to-face financial transaction service to customers.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 15, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The bankbook issuing server 1500 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system side components connected to the bankbook issuing terminal 1535 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 1500 is provided with an interface unit 1505 for providing a predetermined bankbook issuing interface to the bankbook issuing terminal 1535 through the network means. It features.

According to an embodiment of the present invention, when the bankbook issuing terminal 1535 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 1505 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1505 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined medical institution passbook issuance application program provided by the bankbook issuing server 1500, the interface unit 1505 communicates with the client terminal based on the TCP / IP protocol. Connect and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the bankbook issuing terminal 1535 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1505 implements a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1505 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

* Or, if the client terminal is provided with a medical institution account book issuance application program provided by the bankbook issuing server 1500, the interface unit 1505 is connected to the communication channel with the client terminal based on the CDMA protocol In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 15, the bankbook issuing server 1500 is interlocked with the interface unit 1505 when a predetermined bankbook issuing terminal 1535 is connected to the bankbook issuing server 1500 through the interface unit 1505. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined medical institution specific bankbook issuance application information from the bankbook issuing terminal 1535 and providing it to the bankbook issuing terminal 1535. An information receiving unit for receiving a predetermined bankbook issuance application information for inputting (or selecting) and transmitting from the bankbook issuing terminal 1535 through the user interface in conjunction with the study 1510 and the interface unit 1505 ( 1515) and a predetermined medical institution passbook corresponding to the medical institution passbook to be issued to the customer based on the received medical institution passbook issuance application information. An information generating unit 1525 for generating information, a bankbook issuing unit 1530 for issuing a predetermined medical institution-specific bankbook containing the medical institution-specific bankbook information through a predetermined bankbook issuing device, and a medical institution issued to the customer And an information storage unit 1520 for storing the general ledger information for medical institutions corresponding to the bankbook in the ledger D / B on the financial system.

The interface providing unit 1510 corresponds to a functional configuration provided in the bankbook issuing terminal 1535 when a predetermined bankbook issuing terminal 1535 is connected to the bankbook issuing server 1500 through the interface unit 1505. Generate (or select) the application information for issuing the bankbook dedicated to the medical institution and generate a predetermined user interface capable of transmitting to the bankbook issuing server 1500 through the network means, and / or from a database (not shown). And extract and generate the generated (or extracted) user interface to the bankbook issuing terminal 1535 through the network means in association with the interface unit 1505.

Thereafter, the bankbook issuing terminal 1535 inputs (or selects) the medical institution specific bank account issuing information based on the user interface, and inputs the input (or selected) medical institution bank account issuing application information through the network means. The bankbook issuing server 1500 transmits.

According to an embodiment of the present invention, when the bankbook issuing terminal 1535 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 1510. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1505. It is desirable to provide.

According to another embodiment of the present invention, when the bankbook issuing terminal 1535 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1510 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1505.

The information receiving unit 1515 inputs (or selects) predetermined medical institution passbook issuance application information through the user interface from the bank issuing terminal 1535 and transmits it through the network means. It is characterized in that for receiving the medical institution dedicated bank account issuing application information, the received medical institution dedicated bank account issuing application information is provided to the information generation unit (1525).

According to an embodiment of the present invention, the medical institution-specific bank account issuance application information comprises at least one or more medical institution information for obtaining the medical institution-specific bankbook and financial account information (or virtual account information) to be associated with the medical institution-specific bank account. It is preferable.

Here, the financial account information (or virtual account information) to be associated with the medical institution bank account, the account number corresponding to the account already established in the ledger D / B on the financial system in the name of the medical institution (or medical institution representative name) Preferably, if the account is not opened in the financial system name (or medical institution representative name), the account requesting to open a new account of the medical institution name (or medical institution representative name) to the financial system It is preferable to further include establishment request information.

The information generation unit 1525 generates predetermined medical institution-specific bankbook information to be provided in the medical institution-specific bankbook to the customer based on the application information issued by the medical institution-only bankbook received through the information receiving unit 1515. The medical institution specific bankbook information includes basic information including medical institution name, medical institution number, deposit type, new date, issue date and bankbook number, at least one medical insurance claim date, medical insurance claim, medical insurance claim amount, medical Passbook entry information related to medical insurance claims including at least one claim claim number and a medical insurance payment approval number, medical insurance payment date and time, medical insurance payment contents, medical insurance payment amount, medical insurance payment number, etc. Account entry information related to insurance processing, including at least one It comprises at least one are preferred.

When the information generating unit 1525 generates the predetermined medical institution specific bank information provided in the medical institution dedicated bankbook, the bankbook issuing unit 1530 includes the medical institution exclusive bank account information through a predetermined bankbook issuing device. It is characterized by producing a dedicated bank account (or having the medical institution bank account information in the medical institution bank account), the medical institution bank account is provided (or shipped) to the customer.

If the medical institution-specific bankbook is a paper bankbook, the bankbook issuing device includes a device for printing the medical institution-specific bankbook information on at least one form provided in the medical institution-specific bankbook, wherein the information generation unit 1525 ) Generates a passbook information for medical institutions with a data structure printable on at least one paper bankbook form, and the passbook issuer 1530 prints the passbook information for medical institutions on at least one form through the passbook issuing device, Issue a special bank account for a given medical institution.

Alternatively, if the medical institution dedicated bankbook is an IC (Integrated Circuit) card, the passbook issuing device comprises a device for recording the medical institution dedicated bankbook information in the memory provided on the IC chip of the medical institution dedicated bankbook, wherein the The information generating unit 1525 generates the medical institution specific bankbook information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 1530 uses the bankbook issuing device. By recording the bank account information for medical institutions in the memory of the IC chip, a predetermined bank account for medical institutions is issued.

The medical institution dedicated bankbook prepared as described above may be provided to the customer, and / or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer passes through the bank account issuing system according to the present invention. Will be used.

Subsequently, the information storage unit 1520 is based on the medical institution-specific bank account issuance application information and the medical institution-specific bank account information received from the customer through the information receiving unit 1515, the medical institution on the ledger D / B on the financial system And storing the ledger information for the medical institution-specific bankbook in the form of additional information of the account ledger (or the receiving ledger) corresponding to the financial account associated with the dedicated bankbook.

Here, the medical institution specific ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the medical institution dedicated bank account on the ledger D / B on the financial system of the medical institution dedicated account information. It is preferable to include at least one information item to be.

16 is a view showing a medical institution passbook issuing process for managing medical insurance benefits of a medical institution according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates a client terminal including a client terminal including at least one predetermined bankbook issuing interface (eg, a wired terminal and / or a wireless terminal) in a medical institution passbook issuing system shown in FIG. Network means, etc.), when the bankbook issuing server 1500 transmits a predetermined bankbook issuance request information to the bankbook issuing server 1500, the bankbook issuing server 1500 is based on the bankbook issuing application information. As a process for issuing a predetermined medical institution passbook, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 16 and the medical institution passbook for the medical institution's medical insurance management It will be possible to infer various implementation methods for issuing the invention, but the present invention is inferred above Include all of the exemplary methods, and is not limited to the exemplary method shown in the figure 16.

For example, FIG. 16 illustrates that the medical institution bank book is prepared and provided (or shipped) to the customer, and then the predetermined medical institution bank book information is stored in the ledger D / B on the financial system. According to the intention of the person skilled in the art, the process of storing the predetermined medical institution account book information in the ledger D / B on the financial system is provided to the customer before the medical institution account book is created or after the medical institution account book is created. Or before delivery), but the present invention is not limited thereto.

Hereinafter, in FIG. 16, the bankbook issuing terminal 1535 shown in FIG. 15 is referred to as a "terminal" for convenience, and the bankbook issuing server 1500 is referred to as a "server" for convenience.

Referring to FIG. 16, a customer who wants to issue the medical institution specific bank account for managing the medical insurance money of the medical institution connects to the server through the network means using the terminal, and issues the medical institution exclusive bank account to the server. The medical institution dedicated bank account issuing interface is requested (1600), and correspondingly, the server extracts (or generates) a medical institution specific bank account issuing interface for issuing the medical institution specific bank account and provides the terminal to the terminal (1605).

Thereafter, the terminal inputs (or selects) a predetermined medical institution specific bank account issuing information through the medical institution bank account issuing interface, and then transfers the medical institution specific bank account issuing application information to the server through a predetermined medical institution bank account issuing interface. Provided (1610).

Here, the medical institution dedicated bank account issuing interface, the medical institution dedicated bank account issuing interface preferably comprises a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the medical institution specific bank account issuing application information provided to the server through the medical institution bank account issuing interface, the medical institution information to be issued the medical institution bank account, and the financial account information (or virtual account information) to be associated with the medical institution bank account It is preferable to include at least one.

When a predetermined medical institution specific bank issuance application information is received through the medical institution specific bank account issuing interface, the server reads the received medical institution specific bank account issuance application information, thereby validating whether the medical institution specific bank account can be issued to the customer. Check (1615).

Here, the check for validity of issuance of the bankbook dedicated to the medical institution may include checking whether the medical institution information included in the bankbook issuance application information is a valid medical institution, and the financial account information included in the bankbook issuance application information for the medical institution. It is preferable to include at least one or more to check whether the D / B is already provided.

According to the method of the present invention, when the ledger D / B on the financial system does not have a financial account to be linked with the bank account dedicated to the medical institution, the server further provides a procedure for opening a new financial account to be linked with the bank account dedicated to the medical institution. The present invention is not limited by this.

If the validity for issuing the medical institution-specific bankbook to the customer is not authenticated through the medical institution-specific bank account issuing information (1620), the server issues the medical institution-specific bankbook issue to the customer through the medical institution-specific bank account issuing interface. Provide information (1625) and stop issuing the medical institution-specific bankbook to the customer.

If the validity of issuing the medical institution-specific bank account is authenticated through the medical institution-specific bank account issuing application information (1620), the server is based on the medical institution-specific bank account issuing information to the medical institution bank to issue to the customer In operation 1630, corresponding bank account information for a predetermined medical institution is generated.

In this case, the medical institution-specific bank account information includes the basic information, including the medical institution name, medical institution number, deposit type, new date, issue date and bank account number, at least one medical insurance claim date, medical insurance claim, medical insurance claim amount, medical Passbook entry information related to medical insurance claims including at least one claim claim number and a medical insurance payment approval number, medical insurance payment date and time, medical insurance payment contents, medical insurance payment amount, medical insurance payment number, etc. At least one insurance information related to the insurance book including at least one is preferably made to include at least one.

According to one embodiment of the present invention, if the medical institution bankbook is a paper bankbook, the generated medical institution bankbook information preferably includes a data structure printable on the paper bankbook form.

According to another embodiment of the present invention, if the medical institution dedicated bankbook is an IC card, the generated medical institution dedicated bank information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. Do.

Thereafter, the server prepares a predetermined medical institution specific account book having the medical institution specific account information through a predetermined bankbook issuing device and provides (or delivers) it to the customer (1635).

According to one embodiment of the present invention, if the medical institution passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the medical institution passbook information on the form provided in the medical institution passbook.

According to another embodiment of the present invention, if the passbook for medical institutions is an IC card, the passbook issuing device includes a device for recording the passbook information for medical institutions in the memory provided in the IC chip of the passbook for the medical institution. desirable.

Thereafter, the server generates predetermined medical institution bankbook ledger information through the medical institution bank account issuing information and the generated medical institution bank account information provided from the customer through the medical institution bank account issuing interface (1640). The ledger information for the medical institution dedicated bankbook is stored in the ledger D / B on the financial system (1645).

Here, the medical institution specific ledger information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the medical institution dedicated bank account on the ledger D / B on the financial system of the medical institution dedicated account information. It is preferable to include at least one information item to be.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

17 is a view showing the configuration of a medical institution bank account management system for the management of medical insurance benefits in accordance with an embodiment of the present invention.

In more detail, FIG. 17 illustrates an insurance processing terminal 1740 provided in at least one or more medical institutions in at least one or more medical institution passbooks issued through the medical institution passbook issuing system illustrated in FIGS. 13 and / or 15. At least one or more medical insurance processes in an insurance processing system including an insurance processing communication network and an insurance processing server 1735, confirm at least one or more medical insurance processing information from the insurance processing system through a predetermined communication means, and An embodiment of the present invention relates to a method for generating predetermined bankbook entry information for medical institutions from medical insurance processing information and storing the same in a ledger D / B on a financial system corresponding to the medical institution-specific bankbook shown in FIGS. 13 and / or 15. If one of ordinary skill in the art, see Figure 17. And / or may be modified to infer various implementation methods for the construction of a medical institution bank account management system for the management of medical insurance claims, but the present invention includes all the implementation methods inferred above, the implementation method shown in FIG. It is not limited to this.

Referring to FIG. 17 according to an embodiment of the present invention, a medical institution bank account management system for managing medical insurance claims of the medical institution includes an insurance processing terminal 1740 provided in at least one medical institution, an insurance processing communication network, and an insurance processing server. An insurance processing system including 1735, and medical insurance processing information from the insurance processing system (e.g., a bansa server or an insurance processing server 1735, etc.) during at least one medical insurance processing through the insurance processing system. A banking company server for generating predetermined bank account entry information from the medical insurance processing information and storing the bank account entry information in the ledger D / B on the financial system corresponding to the bank account dedicated to the medical institution shown in FIGS. 13 and / or 15; 1700), the medical institution account on the insurance processing system In response to account ledger comprises a financial system with a ledger D / B that stores a medical institution account only the information the additional ledger information shown in the figure 13 and / or the figure 15.

Those skilled in the art to which the present invention pertains include technical features of an insurance processing system including an insurance processing terminal 1740 and an insurance processing network and an insurance processing server 1735 provided in at least one medical institution. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, since the detailed technical features of the financial system are also described with reference to FIGS. 13 and / or 15, the detailed description of the financial system is omitted for convenience of description.

Referring to FIG. 17, the financial company server 1700 may use at least one medical service through the insurance processing system through a predetermined communication means (eg, a dedicated communication network connecting the insurance processing system and the financial company server 1700). An information checking unit periodically checking whether insurance processing is performed and confirming medical insurance processing information corresponding to the checked medical insurance processing from the insurance processing system when at least one medical insurance processing is confirmed through the insurance processing system; (1730) and the insurance processing-related medical institutions, including at least one or more medical insurance claim date, medical insurance claim, medical insurance claim amount, medical insurance claim number, medical insurance payment approval number, etc. from the confirmed medical insurance processing information An information generation unit 1725 for generating bankbook entry information, and the generated medical institution And an information storage unit 1720 for storing the bankbook entry information in a medical institution-specific bank account ledger information associated with a medical institution account provided in the ledger D / B on the financial system.

In addition, the information verification unit 1730 is dedicated to the medical institution associated with the medical institution account provided in the ledger D / B on the financial system through a predetermined ticket purchase institution (for example, a card company, or a financial institution equipped with the financial system) Characterized in that the check corresponding to the insurance book entry information dedicated to the insurance treatment-related medical institutions contained in the account book information is characterized in that the purchase.

In addition, when the purchase of the slip is confirmed by the information confirming unit 1730, the information generating unit 1725 includes at least one of a medical insurance payment date, medical insurance payment contents, medical insurance payment amount, and medical insurance payment number. Characterized in the bankbook entry information for medical institutions related to the purchase of slips.

In addition, when the information generation unit 1725 generates the passbook entry information dedicated to the medical bill purchase, the information storage unit 1720 is to transfer the generated passbook entry information dedicated to the medical institution to the ledger D / B on the financial system It is characterized in that it is stored in the medical institution ledger ledger information associated with the provided medical institution account.

According to the present invention, the financial institution server 1700 connects and manages a predetermined communication channel with the medical institution terminal through the network means in order to provide a communication interface for providing the medical institution specific bankbook entry information to the medical institution terminal. It is characterized in that it comprises an interface unit 1705, whereby the financial institution server 1700 is an information providing server (eg, mail server, message transmission) is connected to the medical institution terminal and the wired network and / or wireless network Server).

In addition, the financial institution server 1700 is stored in the ledger D / B on the financial system at least one medical institution dedicated ledger information is stored in association with the account ledger corresponding to the medical institution account, and then periodically the ledger D on the financial system An information extracting unit 1715 for extracting the medical institution bankbook ledger information from / B and at least one of the medical institution bankbook entry information corresponding to the extracted medical institution bank account ledger information including at least one of mail, message, web document, and the like. Provided to the medical institution terminal (for example, a wired terminal or a wireless terminal with a web browsing function) or the medical institution side information receiving means (for example, a medical institution mail account or a wireless message receiving apparatus of a medical institution representative) through an information providing interface. It is characterized by comprising an information providing unit 1710.

18 is a view showing a medical institution passbook operating process for managing medical insurance benefits of a medical institution according to an embodiment of the present invention.

In more detail, FIG. 18 is a financial company server on at least one medical institution bank account issued in the at least one medical institution bank account issued through the medical institution bank account issuing system shown in FIG. 13 and / or FIG. An insurance processing system 1700 includes an insurance processing terminal 1740 provided in at least one or more medical institutions, an insurance processing communication network, and an insurance processing server 1735, and checks whether at least one or more medical insurance is processed. Confirm at least one or more medical insurance processing information from the insurance processing system through a communication means, and generate predetermined medical institution bankbook entry information from the medical insurance processing information, thereby creating a medical institution-specific bank book shown in FIGS. 13 and / or 15. Method of storing in the ledger D / B on the financial system corresponding to For those of ordinary skill in the art to which the present invention pertains, various implementation methods for a medical institution's bank account operation process for managing medical insurance money can be inferred by referring to and / or modifying the drawing 18. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In FIG. 18, the financial company server 1700 on the medical institution bank account management system shown in FIG. U is referred to as " server " for convenience.

Referring to FIG. 18, the server may process at least one medical insurance through at least one insurance processing terminal 1740 provided in at least one medical institution through the insurance processing system shown in FIG. U through a predetermined communication means. Verify that is performed (1800).

If at least one medical insurance process is confirmed in the insurance processing system (1805), the server confirms predetermined medical insurance process information corresponding to the confirmed medical insurance process from the insurance processing system through the communication means ( Or receive) (1810).

According to the implementation method of the present invention, the medical insurance processing information confirmed from the insurance processing system includes at least one or more medical insurance claim date, medical insurance claim details, medical insurance claim amount, medical insurance claim number, medical insurance payment approval number, etc. It is preferable that insurance information related to insurance and medical institution information for identifying an account ledger corresponding to a medical institution financial account included in the ledger D / B on the financial system is included.

When the medical insurance processing information is confirmed from the insurance processing system, the server checks the medical insurance claim date, medical insurance claim contents, medical insurance claim amount, medical insurance claim number, medical insurance payment approval number from the confirmed medical insurance processing information. In operation 1815, the information about the insurance book related to the medical institution including at least one or more information may be generated (1815).

According to another exemplary embodiment of the present invention, the medical insurance processing information may include at least one or more medical insurance payment date, medical insurance payment contents, medical insurance payment amount, medical insurance payment number and the like according to the medical insurance payment. The present invention is not limited thereto.

Thereafter, the server extracts the medical institution information for identifying the account ledger corresponding to the medical institution financial account provided in the ledger D / B on the financial system from the medical insurance processing information confirmed from the insurance processing system (1825). On the basis of the extracted medical institution information, the account ledger linked to the medical institution financial account provided in the ledger D / B on the financial system is checked through the system for issuing a medical institution exclusive bank shown in FIGS. 13 and / or 15; 1830) The medical institution account book information generated in association with the financial system is processed in association with the account ledger corresponding to the medical institution financial account and stored in the ledger D / B on the financial system (1835).

19 is a diagram showing the configuration of the medical insurance settlement processing system according to an embodiment of the present invention.

More similarly, FIG. 19 periodically requests the insurance company server 1940 to pay the medical insurance money to be paid to the medical institution from the insurance company at a predetermined financial institution, and from the insurance company server 1940 in response to the medical insurance claim. When predetermined medical insurance payment approval information is received, an amount corresponding to the medical insurance payment approval information is prepaid to the medical institution account, and when the amount corresponding to the medical insurance payment approval information is actually deposited from the insurance company, the medical insurance money Medical insurance settlement processing system configuration for the post-settlement processing of the amount corresponding to the payment approval information, if the person of ordinary skill in the technical field to which the present invention belongs, with reference to and / or modified this figure 19, For medical insurance settlement processing system composition for post-payment settlement of insurance premiums Would be able to infer a variety of system configurations, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 19.

Referring to FIG. 19, the medical insurance settlement processing system configuration for the post-payment processing of the medical insurance premium is based on the medical institution ledger information stored in the ledger D / B on the financial system. Periodically claiming insurance money to the insurance company server (1940), and when predetermined medical insurance payment approval information is received from the insurance company server (1940) in response to the medical insurance claim, the amount corresponding to the medical insurance payment approval information The financial institution server 1900 and the medical insurance prepayment, which prepay the medical institution payment approval information, and when the amount corresponding to the medical insurance payment approval information is received from the insurance company, the post-settlement processing of the amount corresponding to the medical insurance payment approval information. Medical corresponding to the mother account for post-payment processing and the medical institution information Including the tube had the financial institution system account is held of features that takes place.

Here, when the insurance company server 1940 provides medical service payment request information corresponding to the medical service after providing medical services to at least one or more patients in at least one medical institution, the medical insurance payment request information may be predetermined. It stores and manages in a database, analyzes treatment / prescription information included in the medical insurance payment request information, approves payment of the medical insurance money included in the medical insurance payment request information, and periodically grants the approved medical insurance money. Characterized in that paid to the medical institution.

Those skilled in the art to which the present invention pertains, the insurance server in conjunction with at least one or more medical institutions to approve the medical insurance payment request information and the technical features to pay the medical insurance money to the medical institution. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 19, the financial institution server 1900 may request at least one medical insurance claim to be paid to the insurance company server 1940 based on the medical institution ledger information stored in the ledger D / B on the financial system. The information checking unit 1905 for identifying a target medical institution and the medical institution subject to claim the medical insurance claim are confirmed, the insurance company server 1940 through predetermined communication means using medical institution ledger information stored in the ledger D / B on the financial system. Information request unit 1910 for requesting medical insurance payment approval information corresponding to the medical institution (or approved by the insurance company to pay to the medical institution), and the medical service from the insurance company server 1940 through the communication means. Medical assistants responding to requests for payment information (or authorized by the insurer to pay to the medical institution) Medical insurance payment approval information receiving unit (1915) receiving gold payment approval information, and the amount corresponding to the medical insurance payment approval information in connection with the financial system withdraws from the mother account for the medical insurance prepayment after payment processing, the financial system Prepayment processing unit 1920 for prepayment processing to the medical institution account corresponding to the medical institution ledger information stored in the general ledger D / B, and the amount corresponding to the medical insurance payment approval information from the insurance company to the mother account for the post-payment of the medical insurance prepayment When the deposit is made, a post-payment processing unit 1925 for processing post-payment for the amount prepaid to the medical institution account is provided, and after the medical insurance advance payment history information and / or medical insurance money through a predetermined network means Settlement history information to the medical institution terminal 1935 (or medical And further comprising an information transmission unit (1930) for transmitting to the observed data receiving means), characterized in that formed.

The information checking unit 1905 periodically checks the medical institution ledger information stored in the ledger D / B on the financial system, and thus the medical insurance payment is approved to the insurance company server 1940 among the medical institutions corresponding to the medical institution information. Selecting and / or confirming at least one or more medical institutions to which the medical insurance claim is to be claimed.

According to an embodiment of the present invention, the insurance company server 1940 receives at least one or more medical insurance payment request information from at least one medical institution and stores it in a predetermined database, and provides a medical insurance payment corresponding to the medical insurance payment request information. Generate and store predetermined medical insurance payment approval information for approving / denying the information, and storing and managing the medical insurance payment payment information in a predetermined database. The information checking unit 1905 manages the medical insurance payment approval information managed by the insurance company server 1940. It is desirable to identify a medical institution that will claim a predetermined medical insurance claim for which the payment has been approved.

For example, the information checking unit 1905 checks the medical institution ledger information stored in the ledger D / B on the financial system every day, or even days / odd days, or every specific day of the week, or every specific day of the month. Among the corresponding medical institutions, it is preferable to select and / or confirm at least one or more medical insurance target medical institutions to claim a predetermined medical insurance premium for which the medical insurance payment is approved to the insurance company server 1940.

If at least one medical institution subject to claim of the medical insurance claim for which the medical insurance payment is approved is selected and / or confirmed through the verification process, the information verification unit 1905. The information request is performed by extracting (or verifying) at least one or more medical institution ledger information corresponding to the confirmed medical insurance claim target medical institution and medical institution account information for post-settlement of the medical insurance premium payment from the ledger D / B on the financial system. Provided to section 1910.

The information requesting unit 1910 corresponds to the medical institution (or the insurance company in the insurance company) to the insurance company server 1940 through a predetermined communication means based on the medical institution ledger information confirmed by the information confirmation unit 1905 Requesting the medical insurance payment approval information (approved to be paid to the medical institution).

According to the method of the present invention, the information requesting unit 1910 corresponds to the medical institution from the insurance company server 1940 by providing the medical institution ledger information to the insurance company server 1940 through the communication means. Preferably, the insurance company requests medical insurance payment approval information (approved for payment to the medical institution).

The insurance company server 1940, which has received the medical insurance payment approval information, has received at least one medical insurance payment approval history corresponding to the received medical institution ledger information from a database storing the at least one medical insurance payment request information approved for payment. Check and generate predetermined medical insurance payment approval information including the medical insurance payment approval details and transmit the predetermined medical insurance payment approval information to the financial company server 1900 through the communication means.

The medical insurance payment approval information receiving unit 1915 supplies the predetermined medical insurance payment approval information (or the predetermined medical insurance payment approved by the insurance company to pay the medical institution) through the communication means. Approval information), and provides the received medical insurance payment approval information to the prepayment processor 1920.

According to the implementation method of the present invention, the medical insurance payment approval information and the total payment amount information approved for payment to the medical institution on the basis of the current time the medical insurance payment approval information is requested by the information requesting unit 1910 Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment to the medical institution.

The prepayment processing unit 1920 has medical insurance payment approval information corresponding to the medical institution (or approved by the insurance company to pay to the medical institution) from the insurance company server 1940 by the medical insurance payment approval information receiving unit 1915. When received, withdraw the amount corresponding to the total payment amount information included in the medical insurance payment approval information from the mother account for processing the medical insurance advance payment after payment in connection with the financial system to the medical institution account of the medical institution name corresponding to the medical institution information It is characterized in that the deposit processing.

According to an embodiment of the present invention, the medical institution account includes a real account opened in the name of the medical institution on the financial system, or includes at least one virtual account opened in the name of the medical institution on the financial system. It is preferable to make it.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the prepayment processing unit 1920 deposits the amount corresponding to the total payment amount information included in the medical insurance payment approval information into the medical institution account of the medical institution name, the information transmitting unit 1930 is It is characterized in that for generating the predetermined medical insurance advance payment history information corresponding to the medical insurance advance payment processing, and transmits it to the medical institution terminal 1935 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means. .

According to another exemplary embodiment of the present invention, when the advance payment processing unit 1920 deposits an amount corresponding to the total payment amount information included in the medical insurance payment approval information into a medical institution account of the medical institution name, the information transmitting unit 1930. The medical institution may generate predetermined medical insurance advance payment history information corresponding to the medical insurance advance payment process and receive the medical institution side data through a predetermined network means (for example, a mail account of a medical institution customer or a short message service (SMS)). Receiver).

The after-payment processing unit 1925 withdraws an amount corresponding to the total payment amount information included in the medical insurance payment approval information from the maternal account for the pre-payment processing of the medical insurance money deposit in advance by the first payment processor 1920 in connection with the financial system. When the deposit processing to the medical institution account of the name of the medical institution corresponding to the medical institution information, a predetermined prepayment fee is deducted from the amount to be deposited into the medical institution account, in which case the prepayment processing unit 1920 to the medical institution account It is preferable that the amount of money to be deposited includes an amount less the prepayment fee among the total payment amount included in the medical insurance payment approval information.

Alternatively, the post-payment processing unit 1925 may include an amount corresponding to the total payment amount information included in the medical insurance payment approval information from the mother account for the pre-payment processing of the medical insurance money deposit, in which the first payment processor 1920 is linked with the financial system. After depositing the money and processing the deposit to the medical institution account of the name of the medical institution corresponding to the medical institution information, the insurance company server (1940) through the financial system to pay the medical insurance prepayment after payment process from the insurance company to the medical institution. When the total amount of money to be deposited is received, the prepayment processing unit 1920 calculates a predetermined prepayment fee corresponding to the prepaid amount to the medical institution account, and calculates the calculated prepayment fee.

According to an exemplary embodiment of the present invention, when the total amount to be paid from the insurance company to the medical institution is received from the insurance company server 1940 through the financial system, the prepayment processing unit 1920 After calculating a predetermined prepayment fee corresponding to the amount prepaid to the medical institution account, the amount deposited from the insurance company server 1940 to the mother account for the post-payment of the medical insurance prepayment and after the medical insurance prepayment It is preferable to compare the amount deposited into the medical institution account in the processing mother account.

If the amount of money deposited from the insurance company server 1940 to the maternal account for the prepayment processing of the medical insurance premiums is greater than the amount deposited into the medical institution account from the maternal account for the prepayment processing of the medical insurance premiums, the post-payment processing unit 1925, after deducting the calculated prepayment fee from the amount to be additionally deposited into the medical institution account from the amount deposited from the insurance company server 1940 to the medical insurance prepayment post-payment processing mother account, and after the medical insurance prepayment It is preferable to process the payment by depositing the additional deposit amount to the medical institution account in the settlement processing mother account.

On the other hand, as a result of the comparison, the amount of money deposited from the insurance company server 1940 to the mother account for the post-payment of the medical insurance premiums is less than the amount deposited from the mother account for the post-payment processing of the medical insurance funds to the medical institution account, or the medical care. If the amount to be additionally deposited into the medical institution account is less than the calculated prepayment fee, the post payment settlement unit 1925 sets the prepayment fee from the amount deposited into the medical institution account. It is preferable to process.

Alternatively, the amount deposited from the insurance company server 1940 to the mother account for the post-payment processing of the medical insurance premiums is less than the amount deposited into the medical institution account from the medical account for the prepayment processing of the medical insurance premiums; In a state in which the additional deposit amount to the medical institution account is less than the calculated prepayment fee in the mother account for post-payment processing, if the balance of the amount deposited into the medical institution account is less than the prepayment fee, the post settlement processing unit 1925 Is preferably settles the prepayment fee from the amount to be prepaid to the medical institution account.

According to an exemplary embodiment of the present invention, when the post-tax settlement processing unit 1925 post-processes the medical insurance money, the information transmission unit 1930 may provide predetermined medical insurance post-payment settlement information corresponding to the medical insurance post-payment processing. It generates and transmits to the medical institution terminal 1935 (for example, a wired terminal, or a wireless terminal of a medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-tax settlement processing unit 1925 post-processes the medical insurance money, the information transmission unit 1930 may set a predetermined medical insurance post-payment history corresponding to the medical insurance post-payment processing. It generates information and transmits the data to the medical institution-side data receiving means (for example, a medical institution client's mail account or a short message receiving device) through a predetermined network means.

According to the implementation method of the present invention, the information transmission unit 1930 analyzes the medical institution account (eg, virtual account in the name of the medical institution) for each medical institution, in addition to the medical insurance advance payment history information and / or medical insurance post payment settlement information. The medical institution account analysis report result is transmitted to the medical institution terminal 1935 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means, and / or the medical institution side data receiving means ( For example, it is characterized in that the transmission to the medical institution customer mail account, or a short message (SMS) receiving device).

20 is a diagram illustrating a medical insurance advance payment processing process according to an embodiment of the present invention.

In more detail, FIG. 20 periodically requests the insurance company server 1940 to pay the medical insurance money to be paid to the medical institution from a predetermined insurance company in the financial company server 1900 on the medical insurance settlement processing system shown in FIG. When the medical insurance payment approval information is received from the insurance company server 1940 in response to the medical insurance claim, the present invention relates to a process of prepaying the amount corresponding to the medical insurance payment approval information to the medical institution account. Those skilled in the art will be able to infer various implementation methods for the medical insurance advance payment processing process by referring to and / or modifying the drawing 20, but the present invention provides a method for implementing all the inference methods. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the financial company server 1900 on the medical insurance settlement processing system shown in FIG. 19 will be referred to as "server" for convenience, and the medical institution terminal 1935 on the medical insurance settlement processing system shown in FIG. 19 will be referred to for convenience. It is called "terminal".

Referring to FIG. 20, the server periodically requests a predetermined medical insurance premium for which the medical insurance payment is approved to the insurance company server 1940 among medical institutions corresponding to the medical institution ledger information provided in the ledger D / B on the financial system. Identify at least one medical institution subject to at least one medical insurance claim (2000).

If the at least one medical institution subject to the medical insurance claim is confirmed (2005), the server extracts medical institution ledger information provided in the ledger D / B on the financial system (2010) and based on the extracted medical institution information. The insurance company server 1940 requests the medical insurance payment approval information for the medical institution corresponding to the medical institution information through a predetermined communication means (2015).

Subsequently, the insurance company server 1940 extracts at least one medical insurance payment approval history corresponding to the medical institution information from a predetermined database, and approves a predetermined medical insurance premium including the extracted at least one medical insurance payment approval history. Generate information (2020).

According to the embodiment of the present invention, the medical insurance payment approval information includes the total payment amount information approved for payment to the medical institution on the basis of the current time when the medical insurance payment approval information is requested by the information requesting unit 1910, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

When the medical insurance payment approval information is generated, the insurance company server 1940 transmits the generated medical insurance payment approval information to the server through the communication means (2025), and correspondingly, the server connects the financial system with the financial system. In operation 2030, an amount corresponding to the total payment amount information included in the medical insurance payment approval information is prepaid to the medical institution account.

If the amount corresponding to the total payment amount information is prepaid to the medical institution account (2035), the server generates medical institution-specific bankbook ledger information including predetermined medical institution-specific bankbook entry information corresponding to the medical insurance prepayment processing. After storing in the ledger D / B (2040), and generates predetermined medical insurance advance payment detail information corresponding to the medical insurance advance payment processing (2045).

21 is a diagram illustrating a post-settlement process of a prepaid medical insurance premium according to an embodiment of the present invention.

In more detail, FIG. 21 shows the medical insurance money to be paid to the medical institution by the insurance company through the medical insurance payment deposit process shown in FIG. 20 in the financial company server 1900 on the medical insurance settlement processing system shown in FIG. After the prepayment to the medical institution account, when the total payment amount to be paid to the medical institution in the insurance company is deposited, the process for the settlement of the amount prepaid to the medical institution account through the amount deposited from the insurance company, the present invention Those skilled in the art will be able to infer various implementation methods for the post-treatment process of the prepaid medical insurance claims by referring to and / or modifying the drawing 21, but the present invention is inferred from the above It includes all implementation methods, and is not limited to the implementation method shown in FIG. You are good.

Hereinafter, in FIG. 21, the financial institution server 1900 on the medical insurance settlement processing system shown in FIG. 19 is referred to as a "server" for convenience, and the medical institution terminal 1935 on the medical insurance settlement processing system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 21, the financial institution server 1900 on the medical insurance settlement processing system shown in FIG. 19 is used to process the medical insurance first payment shown in FIG. 20 to the medical institution. After the deposit is made in advance to the medical institution account, the server checks from the insurance company server 1940 whether the medical insurance money to be paid from the insurance company to the medical institution is deposited from the insurance company server 1940 to the mother insurance account for the settlement of the medical insurance advance payment. 2100).

If the medical insurance money to be paid from the insurance company to the medical institution is deposited from the insurance company server 1940 to the mother account for the prepaid settlement of the medical insurance money provided on the financial system (2105), the server is shown in FIG. A predetermined prepayment fee according to the medical insurance prepayment processing is calculated (2110), and the amount deposited from the insurance company to the mother account for the medical insurance prepayment post-payment processing provided on the financial system and the server are shown in FIG. By comparing the amount of the prepayment to the medical institution account through the above process, the server calculates a predetermined additional deposit amount to be additionally deposited into the medical institution account through the financial system (2115).

Thereafter, the server compares the calculated prepayment fee with the calculated additional deposit amount, and checks whether or not the settlement of the prepayment fee through the additional deposit amount is processed (2120).

According to the exemplary embodiment of the present invention, if the amount of money deposited from the insurance company server 1940 to the mother account for the post-payment processing of the medical insurance premium is greater than the amount prepaid to the medical institution account from the medical account for the prepayment processing of the medical insurance premium, The server may process the calculated prepayment fee from the amount (or the calculated additional deposit amount) deposited from the insurance company server 1940 to the mother account for the post-payment of the medical insurance premium.

If the settlement processing result of the prepayment fee is confirmed, the prepayment fee may be settled from the additional deposit amount (2125). The server may process the prepayment fee calculated from the amount deposited from the insurance company and the medical insurance money. The final deposit amount to be deposited into the medical institution account is calculated from the mother account for prepayment after settlement (2130), and the final deposit amount, which is calculated in connection with the financial system, is used for the medical institution account in the maternity account for the prepayment after payment of the medical insurance money. In the process of depositing money (2135), medical institution-specific bankbook ledger information including predetermined medical institution-specific bankbook writing information corresponding to the deposit processing of the final deposit amount is generated and stored in the ledger D / B (2137).

On the other hand, if the settlement process of the prepayment fee is confirmed, and the prepayment fee cannot be settled from the additional deposit amount (2125), the server receives the prepayment from the prepayment amount to the medical institution account through the process shown in FIG. It is checked whether the calculated down payment fee can be settled (2140).

According to the method of the present invention, if the balance of the medical institution account is greater than the calculated prepayment fee, the prepayment fee may be settled from the amount prepaid to the medical institution account.

If the prepayment fee can be settled from the amount prepaid to the medical institution account (2145), the server transfers the additional deposit amount calculated in connection with the financial system to the medical institution account before / after the medical institution account. The prepayment fee is settled from the balance (2150), and a medical institution's bookbook ledger information including predetermined medical institution's book record information corresponding to the settlement processing of the prepayment fee is generated and stored in the ledger D / B (2153). ).

On the other hand, if the prepayment fee cannot be settled from the amount prepaid in the medical institution account (2145), the server deposits the prepayment fee before / after the deposit processing of the additional deposit amount calculated in connection with the financial system to the medical institution account. It is registered (or reserved) to preferentially process the settlement in the next medical insurance advance payment process as shown in FIG. 20 (2155).

22 is a diagram showing the configuration of a medical insurance settlement processing system according to another embodiment of the present invention.

More similarly, FIG. 22 periodically requests the insurance company server 2255 to pay the medical insurance money to be paid to the medical institution from the insurance company at a predetermined financial institution, and from the insurance company server 2255 in response to the medical insurance claim. If predetermined medical insurance payment approval information is received, the amount of money corresponding to the medical insurance payment approval information is secured as a mortgage to the medical institution, and when the amount corresponding to the medical insurance payment approval information is received from the insurance company, Regarding the medical insurance settlement processing system configuration for the post-settlement processing of the security loan amount corresponding to the medical insurance payment approval information, if the person having ordinary knowledge in the technical field to which the present invention pertains, see FIG. Alternatively, the medical insurance money for the post-payment processing of the medical insurance money deposit Would be able to infer a variety of system configurations for the acid treatment system configuration, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 22.

Referring to this figure 22 according to the embodiment of the present invention, the medical insurance settlement processing system for the medical insurance prepayment post-payment processing through the medical insurance collateral loan procedure according to the present invention, at least one or more medical institutions connected to a predetermined network means The terminal 2250 receives medical insurance mortgage loan request information including at least one of medical institution information and a security loan request amount information transmitted from the medical institution terminal 2250 to determine whether the mortgage is loaned according to the medical insurance mortgage request. When the mortgage is confirmed, the insurance company server 2255 includes a financial company server 2200 that loans an amount corresponding to the medical insurance security loan request information with the medical insurance money to be paid to the medical institution. It is characterized by.

The medical institution terminal 2250 may be a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer and / or a laptop computer connected to the financial institution server 2200 through a bank, and / or connected to a code division multiple access (CDMA) based mobile communication network At least one wireless terminal including at least one communication terminal and / or a portable Internet terminal connected to an IEEE 802.16 based high speed wireless Internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises, the medical institution terminal 2250 is provided by the financial company server 2200 At least one interface screen is output, and a function configuration (eg, a browser program and a communication function) for inputting and / or selecting at least one or more information through the interface screen and transmitting the same to the financial institution server 2200 is provided. It is preferable.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the medical institution terminal 2250 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the medical institution terminal 2250 is a wired terminal, the network means includes the TCP / IP based wired network, and when the medical institution terminal 2250 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

According to an exemplary embodiment of the present invention, the financial institution server 2200 may provide a web interface corresponding to the medical institution terminal 2250 and a network means, through a network means, with a predetermined communication channel with the medical institution terminal 2250. And an interface unit 2205 for connecting to and managing the device, whereby the financial institution server 2200 is connected to the medical institution terminal 2250 through a wired network and / or a wireless network. With functions.

According to an embodiment of the present invention, when the medical institution terminal 2250 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 2205 may connect the medical institution terminal 2250 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the medical institution terminal 2250 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform the function of transmitting and outputting and receiving and processing the predetermined medical insurance security loan request information input (or selected) through the interface screen from the medical institution terminal 2250.

According to another exemplary embodiment of the present invention, when the medical institution terminal 2250 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 2205 may include the medical institution terminal 2250 and the WAP ( A predetermined communication channel is connected based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol, and a WML (Wireless Markup Language) and / or HTML compatible document form is connected to the medical institution terminal 2250 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen and receiving and processing predetermined medical insurance security loan request information corresponding to the interface screen from the medical institution terminal 2250.

According to another exemplary embodiment of the present invention, when the medical institution terminal 2250 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 2205 may be connected to the medical institution terminal 2250. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, transmit and output a predetermined interface screen and / or information providing screen to the medical institution terminal 2250 through the communication channel, and output the medical institution terminal. It is preferable to perform a function of receiving and processing predetermined medical insurance security loan request information corresponding to the interface screen from (2250), and / or the medical institution terminal (2250) communicates via a wireless network based on DataTAC / Mobitex When the channel is connected to the wireless terminal, the interface unit 2205 is the medical institution terminal 2250 and the DataTAC / M Connect a predetermined communication channel based on a wireless protocol corresponding to an obitex standard, transmit and output a predetermined interface screen and / or information providing screen to the medical institution terminal 2250 through the communication channel, and output the medical interface terminal ( 2250, it is preferable to perform a function of receiving and processing predetermined medical insurance security loan request information corresponding to the interface screen.

Referring to FIG. 22, the financial institution server 2200 is connected to the medical institution server 2200 when the medical institution terminal 2250 is connected to the financial institution server 2200 through the interface unit 2205. Interface for generating (or extracting) and providing a predetermined interface screen for the terminal 2250 to input (or select) and transmit medical insurance collateral loan request information including at least one of the medical institution information and the security loan request amount information. The information receiving unit 2215 receives the medical insurance collateral loan request information that is input (or selected) and transmitted from the medical institution terminal 2250 through the interface screen in association with the providing unit 2210 and the interface unit 2205. And a predetermined communication based on the medical institution information included in the medical insurance collateral loan request information received through the information receiving unit 2215. An information requesting unit 2225 for requesting medical insurance payment approval information corresponding to the medical institution (or approved by the insurance company to pay the medical institution) to the insurance company server 2255 through the means; A medical insurance payment approval information receiver 2215 for receiving medical insurance payment approval information corresponding to the medical insurance payment information request (or approved by the insurance company to pay the medical institution) from an insurance company server 2255, and the financial system; An information confirmation unit 2220 for reading the amount corresponding to the medical insurance payment approval information and confirming the loan approval for the security loan request amount included in the medical insurance mortgage loan request information; To secure the medical insurance advance payment amount corresponding to the medical insurance security loan amount corresponding to the loan approval A prepayment processing unit 2235 for prepayment processing (or secured loan processing) to the medical institution account corresponding to the medical institution ledger information stored in the ledger D / B on the financial system and withdrawn from the processing mother account; When the amount corresponding to the medical insurance payment approval information is deposited into the processing mother account, a post-settlement processing unit 2240 is provided to process the post-settlement for the mortgage (or the pre-payment amount) secured to the medical institution account. And an information transmitter 2245 for transmitting the medical insurance advance payment history information and / or the medical insurance post payment settlement history information to the medical institution terminal 2250 (or medical institution side data receiving means) through a predetermined network means. It is characterized by comprising.

The interface provider 2210 has a functional configuration (eg, a medical institution terminal) provided to the medical institution terminal 2250 when a predetermined medical institution terminal 2250 is connected to the financial institution server 2200 through the interface unit 2205. A predetermined interface screen for inputting (or selecting) predetermined medical insurance collateral loan request information to be transmitted to the financial institution server 2200 through the network means in response to a browser program provided at (2250), or And / or extracts from a predetermined database (not shown) and provides the generated (or extracted) interface screen to the medical institution terminal 2250 via the network means in association with the interface unit 2205. do.

Thereafter, the medical institution terminal 2250 inputs (or selects) medical insurance security loan request information including at least one of medical institution information and a security loan request amount information based on the interface screen, and the input (or selection) Medical insurance collateral loan request information is transmitted to the financial company server 2200 through the network means.

The information receiving unit 2215 interworks with the interface unit 2205 when the medical institution terminal 2250 inputs (or selects) predetermined medical insurance collateral loan request information through the interface screen and transmits the information through the network means. And receiving the medical insurance security loan request information, and the received medical insurance security loan request information is provided to the information requesting unit 2225.

The information requesting unit 2225 may correspond to the medical institution (or the insurance company to the medical institution) to the insurance company server 2255 through a predetermined communication means based on the medical institution information included in the medical insurance collateral loan request information. Requesting medical insurance payment approval information.

According to the method of the present invention, the information requesting unit 2225 corresponds to the medical institution from the insurance company server 2255 by providing the medical institution ledger information to the insurance company server 2255 through the communication means ( Or requesting the medical insurance payment approval information (approved by the insurance company to pay to the medical institution).

The insurance company server 2255 which has received the medical insurance payment approval information has received at least one medical insurance payment approval history corresponding to the received medical institution ledger information from a database storing the payment approved medical insurance payment information. Check, and generate predetermined medical insurance payment approval information including the medical insurance payment approval details and transmit the generated medical insurance payment approval information to the financial company server 2200 through the communication means.

The medical insurance payment approval information receiving unit 2215 provides the predetermined medical insurance payment approval information (or the predetermined medical insurance payment approved by the insurance company to pay the medical institution through the communication means). Approval information), and provides the received medical insurance payment approval information to the information confirming unit 2220.

According to the embodiment of the present invention, the medical insurance payment approval information includes the total payment amount information approved for the medical institution on the basis of the current time when the medical insurance payment approval information is requested by the information requesting unit 2225, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

The information checking unit 2220 confirms the security loan approval for the security loan request amount included in the medical insurance security loan request information based on the total payment amount information and payment date information included in the medical insurance payment approval information. It is characterized by.

According to one embodiment of the present invention, the total amount of payment information contained in the medical insurance payment approval information received through the medical insurance payment approval information receiving unit 2215 the security loan request amount included in the medical insurance security loan request information In the case of less than or equal, it is preferable that the information checking unit 2220 approves the security loan for the security loan request amount included in the medical insurance security loan request information.

According to another embodiment of the present invention, the total amount of money included in the medical insurance payment approval information received through the medical insurance payment approval information receiving unit 2215 is the security loan request amount included in the medical insurance security loan request information If greater than the information, the information checking unit 2220 requests the total payment amount included in the medical insurance payment approval information for a predetermined period of time through the information requesting unit 2225, and correspondingly, the medical insurance payment is approved. The total payment amount included in the medical insurance payment approval information for the past period included in the medical insurance payment approval information received through the information receiving unit 2215 for the security loan request amount included in the medical insurance mortgage loan request information. If it is confirmed that the security is set as collateral, the collateral included in the medical insurance collateral loan request information It is desirable to approve a mortgage for the amount requested.

When the security loan approval for the security loan request amount included in the medical insurance collateral loan request information is confirmed, the information checking unit 2220 may determine the security loan security request amount included in the medical insurance security loan request information. It is characterized by checking the loan amount.

According to the embodiment of the present invention, the information confirming unit 2220 may further perform a function of adjusting the security loan request amount included in the medical insurance collateral loan request information in connection with the medical institution terminal 2250, Thereby, this invention is not limited.

When the medical insurance collateral loan amount corresponding to the medical insurance collateral loan request information is confirmed, the advance payment processing unit 2235 responds to the medical insurance collateral loan amount information from the mother account for processing the medical insurance prepayment after payment in connection with the financial system. It is characterized in that the withdrawal of the amount of money to be deposited into the medical institution account of the name of the medical institution corresponding to the medical institution information.

According to an embodiment of the present invention, the medical institution account includes a real account opened in the name of the medical institution on the financial system, or includes at least one virtual account opened in the name of the medical institution on the financial system. It is preferable to make it.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the advance payment processing unit 2235 deposits the amount corresponding to the medical insurance security loan amount information into the medical institution account of the medical institution name, the information transmission unit 2245 may process the medical insurance advance payment process ( Or generating predetermined medical insurance advance payment history information corresponding to the secured loan processing and transmitting the predetermined information to the medical institution terminal 2250 (eg, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means. .

According to another exemplary embodiment of the present invention, when the advance payment processing unit 2235 deposits an amount corresponding to medical insurance security loan amount information into a medical institution account of the medical institution, the information transmission unit 2245 processes the medical insurance advance payment. (Or secured loan advance payment history information corresponding to the security loan processing) to generate data on the medical institution side (e.g., a mail account of a medical institution customer or a short message service (SMS)) through a predetermined network means. Receiver).

The after-payment processing unit 2240 corresponds to the medical institution information by the prepayment processing unit 2235 withdraws the amount corresponding to the medical insurance collateral loan amount information from the mother account for the pre-payment processing of medical insurance deposits in connection with the financial system. When the deposit is processed to a medical institution account in the name of a medical institution, a predetermined security loan interest is deducted from the amount to be deposited into the medical institution account. In this case, the amount of money that the prepayment processing unit 2235 actually deposits into the medical institution account is It is preferable to include an amount deducting the interest on the mortgage loan from the amount of the medical insurance collateral loan.

Alternatively, the post-payment processing unit 2240 may withdraw the amount corresponding to the medical insurance collateral loan amount information from the mother account for the pre-payment processing of the medical insurance money deposit in advance by the prepayment processor 2235 in connection with the financial system. After the deposit is processed into a medical institution account corresponding to the medical institution name, the total amount to be paid from the insurance company to the medical institution is deposited from the insurance company server 2255 to the mother account for the post-payment processing of the medical insurance money deposit through the financial system. And calculating, by the prepayment processing unit 2235, a predetermined mortgage interest corresponding to the amount secured by the prepayment (or the prepayment) to the medical institution account, and processing the calculated mortgage interest. do.

According to the exemplary embodiment of the present invention, when the total amount to be paid from the insurance company to the medical institution is received from the insurance company server 2255 through the financial system, the prepayment processing unit 2235 is received. After calculating a predetermined mortgage interest corresponding to the amount secured (or prepaid) the amount secured to the medical institution account, the deposit is made by the insurance company server 2255 to the mother account for the post-payment processing It is preferable to compare the amount with the amount secured (or prepaid) to the medical institution account from the mother account for the post-payment of the medical insurance deposit.

If the comparison result, the amount of money deposited from the insurance company server 2255 to the mother account for the post-payment of the medical insurance premiums is secured from the mother account for the post-payment processing of the medical insurance funds to the medical institution account (or prepaid). If the amount is greater than the amount, the post settlement processing unit 2240 is the mortgage interest calculated from the amount to be additionally deposited into the medical institution account from the amount deposited from the insurer server 2255 into the medical account for prepayment of the medical insurance deposit. After deducting, it is preferable that the additional payment amount is deposited and settled to the medical institution account from the medical account for prepayment after the medical insurance payment.

On the contrary, as a result of the comparison, the amount deposited from the insurance company server 2255 to the mother account for the prepayment processing of the medical insurance premiums is secured from the mother account for the prepayment processing of the medical insurance money deposit to the medical institution account (or prepaid). If the amount is less than the amount, or if the amount to be additionally deposited from the maternal account for the prepayment processing of the medical insurance payment deposit to the medical institution account less than the calculated mortgage interest, the post-settlement processing unit 2240 is secured to the medical institution account It is desirable to settle the mortgage interest on the loaned (or prepaid) amount.

Alternatively, the amount deposited from the insurance company server 2255 into the mother account for the post-payment of the medical insurance premiums is greater than the amount secured from the mother account for the post-payment processing of the medical insurance funds to the medical institution account (or prepaid). The amount of the additional deposit to the medical institution account from the mother account for the post-payment processing of the medical insurance advance payment is less than the calculated mortgage interest, and is secured (or prepaid) to the medical institution account. If the balance of the amount is less than the mortgage interest, the post-settlement processing unit 2240 preferably processes the mortgage interest from the amount of money to be prepaid in advance to the medical institution account.

According to the exemplary embodiment of the present invention, when the post-settlement processing unit 2240 post-settles the medical insurance money, the information transmitting unit 2245 performs predetermined medical insurance post-payment settlement information corresponding to the medical insurance money-back payment processing. It generates and transmits to the medical institution terminal 2250 (eg, wired terminal, or wireless terminal of the medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-settlement processing unit 2240 post-settles the medical insurance money, the information transmission unit 2245 performs a predetermined medical insurance post-payment corresponding to the medical insurance post-payment processing. Characteristic information is generated and transmitted to the medical institution-side data receiving means (for example, a medical institution client's mail account or a short message (SMS) receiving device) through a predetermined network means.

According to the method of the present invention, the information transmission unit 2245 analyzes the operation results of the medical institution accounts (for example, virtual accounts in the name of the medical institution) for each medical institution, in addition to the medical insurance advance payment history information and / or medical insurance post payment settlement information. The medical institution account analysis report result is transmitted to the medical institution terminal 2250 (eg, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means, and / or the medical institution side data receiving means ( For example, it is characterized in that the transmission to the medical institution customer mail account, or a short message (SMS) receiving device).

FIG. 23 is a diagram illustrating a medical insurance advance payment processing process through a medical insurance security loan procedure according to an embodiment of the present invention.

In more detail, in FIG. 23, at least one medical institution terminal 2250 on the medical insurance settlement processing system illustrated in FIG. 22 provides medical institution information and mortgage request amount information to the financial institution server 2200 through a predetermined network means. When the medical insurance collateral loan request information for the post-settlement processing of the medical insurance premium payment through the medical insurance collateral loan procedure is included, the financial institution server 2200 based on the medical insurance collateral loan request information from the insurance company to the medical institution This is a process of collateralizing (or prepayment) a predetermined amount of medical insurance security mortgage to the medical institution by setting the amount to be paid as collateral, and if the person of ordinary skill in the art to which the present invention belongs Refer to and / or modify Figure 23 to proceed with the medical insurance mortgage loan procedure. Various implementation methods for the medical insurance advance payment processing process can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 23, the financial company server 2200 on the medical insurance settlement processing system shown in FIG. 22 will be referred to as "server" for convenience, and the medical institution terminal 2250 on the medical insurance settlement processing system shown in FIG. 22 will be referred to for convenience. It is called "terminal".

Referring to FIG. 23, a terminal on the medical insurance settlement processing system shown in FIG. 22 is connected to the server through the network means and connects a communication channel for the medical insurance prepayment post settlement through the medical insurance collateral loan procedure. (2300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

As described above, when the communication channel for the prepayment of medical insurance payments through the medical insurance mortgage loan procedure is connected between the terminal and the server, the terminal through the communication channel to the server through the medical insurance mortgage loan procedure Request an interface screen for prepayment after payment (2305), and correspondingly, the server generates (or selects) an interface screen including a user interface for inputting (or selecting) the medical insurance security loan request information from the terminal. Extraction (2310), and transmits the generated (or extracted) interface screen to the terminal through the communication channel (2315).

Thereafter, the terminal inputs (or selects) the medical insurance security loan request information including at least one of the medical institution information and the security loan request amount information through the user interface for inputting (or selecting) the medical insurance security loan request information. (2320).

If the medical insurance collateral loan request information including at least one of the medical institution information and the security loan request amount information is input (or selected) at the terminal (2325), the terminal provides the medical insurance money to the server through the communication channel. Sending the security loan request information (2330), and in response, the server requests medical insurance payment approval information to the insurance company server 2255 through the medical institution information included in the medical insurance security loan request information. (2335).

Subsequently, the insurance company server 2255 extracts at least one medical insurance payment approval history corresponding to the medical institution information from a predetermined database, and approves a predetermined medical insurance payment including the extracted at least one medical insurance payment approval history. Generate information (2340).

According to the embodiment of the present invention, the medical insurance payment approval information includes the total payment amount information approved for the medical institution on the basis of the current time when the medical insurance payment approval information is requested by the information requesting unit 2225, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

When the medical insurance payment approval information is generated, the insurance company server 2255 transmits the generated medical insurance payment approval information to the server through the communication means (2345), and correspondingly, the server receives the received medical insurance money. The payment approval information is read to check whether the security loan is approved for the security loan request amount included in the medical insurance security loan request information (2350).

According to an embodiment of the present invention, the server approves the security loan for the security loan request amount included in the medical insurance security loan request information based on the total payment amount information and payment date information included in the medical insurance payment approval information. It is desirable to check.

According to an exemplary embodiment of the present invention, when the security loan request amount included in the medical insurance collateral loan request information is less than or equal to the total payment amount information included in the received medical insurance payment payment information, the server may be configured to perform the medical care. It is desirable to approve the secured loan for the amount of the secured loan request included in the claim secured loan request information.

According to another exemplary embodiment of the present invention, when the security loan request amount included in the medical insurance collateral loan request information is greater than the total payment amount information included in the received medical insurance payment approval information, the server requests the information. Request the total payment amount included in the medical insurance payment approval information for the past predetermined period through the unit 2225, and correspondingly the medical insurance payment approval information for the past predetermined period included in the received medical insurance payment approval information correspondingly If it is confirmed that it is effective to set the total amount of payments included in the collateral loan request amount included in the medical insurance collateral loan request information, the collateral for the collateral loan request amount included in the medical insurance collateral loan request information. It is desirable to approve the loan.

According to an embodiment of the present invention, the server may further perform a function of adjusting the security loan request amount included in the medical insurance security loan request information in connection with the medical institution terminal 2250, whereby the present invention It is not limited.

If it is confirmed that the security loan approval for the security loan request amount included in the medical insurance mortgage loan request information is confirmed (2355), the server may actually determine the security loan request amount included in the medical insurance security loan request information. A mortgage amount is calculated (2360).

According to the implementation method of the present invention, it is preferable that the security loan amount includes the security loan request amount included in the medical insurance security loan request information as it is.

According to another embodiment of the present invention, when the security loan request amount included in the medical insurance security loan request information is adjusted, the security loan amount is the amount adjusted from the security loan request amount included in the medical insurance security loan request information. It is preferable to comprise a.

Thereafter, the server processes a deposit in advance to the medical institution account in an amount corresponding to the security loan amount information in connection with the financial system (2365).

If the amount corresponding to the mortgage payment amount information is prepaid (or secured loan processing) to the medical institution account (2370), the server is dedicated to a predetermined medical institution corresponding to the medical insurance prepayment processing (or secured loan processing). After generating the account book ledger information for the medical institution including the bankbook entry information and storing it in the ledger D / B (2375), predetermined medical insurance advance payment history information corresponding to the medical insurance prepayment processing (or collateral loan processing) (or The security loan details information) is generated and transmitted to the terminal (2380).

FIG. 24 is a diagram illustrating a post-settlement process of medical insurance proceeded as a mortgage according to an embodiment of the present invention.

More specifically, FIG. 24 shows the medical insurance money to be paid to the medical institution by the insurance company through the medical insurance payment deposit process shown in FIG. 23 in the financial company server 2200 on the medical insurance settlement processing system shown in FIG. After the prepayment (or mortgage) is processed into the medical institution account, when the total payment amount to be paid to the medical institution is received by the insurer, the prepayment (or collateral loan processing) to the medical institution account through the amount deposited from the insurance company. The process of settlement of the amount of money, and if the person of ordinary skill in the art to which the present invention belongs, the process of post-settlement of the medical insurance proceeded as a mortgage loan with reference to and / or modified in this drawing 24 Although various embodiments of the present invention may be inferred, the present invention is directed to all embodiments inferred. Inclusion and shall not be limited to the exemplary method shown in the figure 24.

Hereinafter, in FIG. 24, the financial company server 2200 on the medical insurance settlement processing system shown in FIG. 22 will be referred to as "server" for convenience, and the medical institution terminal 2250 on the medical insurance settlement processing system shown in FIG. 22 will be referred to for convenience. It is called "terminal".

Referring to FIG. 24, the financial institution server 2200 on the medical insurance settlement processing system shown in FIG. 22 provides the medical insurance money to be paid to the medical institution by the insurance company through the medical insurance first payment process shown in FIG. After payment is made (or secured loan) to a medical institution account, the server is a medical account to be paid from the insurance company to the medical institution from the insurance company server 2255 to the mother account for the medical insurance advance payment after payment set up on the financial system. Check whether the insurance money is deposited (2400).

If the medical insurance money to be paid from the insurance company to the medical institution is deposited from the insurance company server 2255 to the mother account for the prepayment processing of the medical insurance money provided on the financial system (2405), the server is shown in FIG. A predetermined mortgage interest is calculated according to the medical insurance prepayment processing (2410), and the amount deposited from the insurance company to the mother account for the medical insurance prepayment post-payment processing provided on the financial system, and the server shown in FIG. By comparing the amount prepaid (or collateralized) to the medical institution account through the illustrated process, the server calculates a predetermined additional deposit amount to be additionally deposited into the medical institution account through the financial system (2415). .

Thereafter, the server compares the calculated security loan interest with the calculated additional deposit amount, and confirms whether or not the settlement process for the security interest through the additional deposit amount is settled (2420).

According to an embodiment of the present invention, the amount of money deposited from the insurance company server 2255 to the mother account for the post-payment of the medical insurance premiums is processed from the mother account for the post-payment of the medical insurance premiums to the medical institution account (or collateral loan processing). If more than the amount, the server may process the calculated mortgage interest from the amount (or the calculated additional deposit amount) deposited from the insurance company server (2255) to the maternal account for the prepayment of the medical insurance deposit. have.

If the settlement processing result of the security loan interest is confirmed and the secured loan interest can be settled from the additional deposit amount (2425), the server processes the calculated security loan interest from the amount deposited from the insurance company. Calculating the final deposit amount to be deposited into the medical institution account from the mother account for the post-payment processing of the medical insurance premiums (2430), and calculating the final deposit amount in connection with the financial system to settle the medical insurance prepayment after the payment; Deposits into the medical institution account (2435), and generates medical institution-specific bankbook ledger information including predetermined medical institution-specific bankbook entry information corresponding to the deposit processing of the final deposit amount and stores in the ledger D / B (2437). ).

On the other hand, if the settlement processing confirmation result for the mortgage interest is confirmed and the secured loan interest cannot be settled from the additional deposit amount (2425), the server processes the prepayment to the medical institution account through the process shown in FIG. It is checked whether the collateral loan interest can be settled from the amount of the collateralized loan) (2440).

According to the method of the present invention, if the balance of the medical institution account is greater than the calculated mortgage interest, the mortgage interest may be settled from the amount prepaid (or secured loan) to the medical institution account.

If it is possible to settle the mortgage interest from the amount of prepayment (or mortgage) in the medical institution account (2445), the server connects the calculated additional deposit amount to the medical institution account in connection with the financial system. Settlement of the mortgage interest from the medical institution account balance before and after the deposit processing (2450), and generate the medical institution-specific bankbook ledger information including predetermined medical institution-specific bankbook entry information corresponding to the settlement process of the mortgage loan interest. The data is stored in the ledger D / B (2453).

On the other hand, if the mortgage interest cannot be settled from the amount prepaid (or collateralized) in the medical institution account (2445), the server transfers the calculated additional deposit amount to the medical institution account in connection with the financial system. Before and after deposit processing, the secured loan interest is registered (or reserved) to be settled first in the next medical insurance advance payment process as shown in FIG. 23 (2455).

According to the present invention, the merchant providing the electronic payment service has an advantage of conveniently managing the electronic payment service through the merchant-specific bankbook associated with the payment system.

According to the present invention, the medical institution providing the medical service has an advantage of conveniently managing the medical billing and payment through the bankbook dedicated to the medical institution linked to the insurance processing system for the medical billing and payment.

Claims (4)

Fill in the bankbook entry information related to the medical insurance claim of the medical institution that includes the date and time of claim of the medical insurance claim, the contents of the medical insurance claim, the amount of the medical insurance claim, the medical insurance claim number and the medical insurance claim authorization number. And A bank book for medical institutions with insurance entry related entry information entry fields for filling out insurance entry related information including at least one payment date, medical insurance payment amount, medical insurance payment amount, and medical insurance payment number. Fill in the bankbook entry information related to the medical insurance claim of the medical institution that includes the date and time of claim of the medical insurance claim, the contents of the medical insurance claim, the amount of the medical insurance claim, the medical insurance claim number and the medical insurance claim authorization number. Issuance of a bankbook for medical institutions with a health insurance payment date and time, medical insurance payment contents, medical insurance payment amount, and medical insurance payment account entry information for filling out insurance book entry information including one or more medical insurance payment number A bankbook issuing means having a field for storing the medical insurance claim related bank account entry information and a field for storing the insurance processing related bank account entry information in a bank account book; Information verification means for confirming information on a bank account entry related to a medical insurance claim and information related to insurance book entry corresponding to the medical institution; Information storage means for storing the checked information in a field for storing the medical insurance claim related bank account entry information and a field for storing the insurance processing related bank account entry information; And When writing information in the bankbook dedicated to the medical institution, the bankbook entry information entry related to the medical insurance claim provided in the bankbook dedicated to the medical institution, and the bankbook entry information and insurance processing related to the medical insurance claim stored in the account book in the insurance book entry information entry column Bank account management system for a medical institution, characterized in that comprises; information writing means for writing the account entry information. Fill in the bankbook entry information related to the medical insurance claim of the medical institution that includes the date and time of claim of the medical insurance claim, the contents of the medical insurance claim, the amount of the medical insurance claim, the medical insurance claim number and the medical insurance claim authorization number. Issuance of a bankbook for medical institutions with a health insurance payment date and time, medical insurance payment contents, medical insurance payment amount, and medical insurance payment account entry information for filling out insurance book entry information including one or more medical insurance payment number Doing; Information verification means for confirming information on a bank account entry related to a medical insurance claim and information related to insurance book entry corresponding to the medical institution; Information storage means for storing the checked information in a field for storing medical insurance claim related bankbook entry information provided in the account book and a field for storing insurance insurance related bank account entry information; And When writing information in the bankbook dedicated to the medical institution, the bankbook entry information entry related to the medical insurance claim provided in the bankbook dedicated to the medical institution, and the bankbook entry information and insurance processing related to the medical insurance claim stored in the account book in the insurance book entry information entry column And processing the bankbook entry information so that the entry; medical institution dedicated bankbook management method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 3.

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