KR20080052727A - Method for operating mobile payment virtual account and program recording medium - Google Patents

Abstract

A method for operating a virtual mobile payment account and a program recording medium thereof are provided to enable a voucher receiver having a virtual voucher payment account to use a VM(Virtual Machine)-based mobile banking service through a voucher code linked with the virtual voucher payment account by installing a VM in a mobile terminal. A virtual payment account opener opens a customer virtual payment account by using an account of a payer as a mother account to enable the payer to pay an allowance to a customer. An information storing part links/stores virtual payment account information of the customer, mother account information of the virtual payment account, and mobile terminal information of the customer to a storage medium(1145). An information receiver receives a banking transaction request by using the virtual payment account from a mobile terminal of the customer. A banking transaction processor processes a requested banking transaction by linking with the storage medium. A program provider offers the mobile terminal a mobile banking program for processing the banking transaction by using the virtual payment account.

Description

Method for Operating Mobile Payment Virtual Account and Program Recording Medium}

1 is a diagram illustrating a voucher virtual account opening system for opening a voucher-only payment virtual account in a face-to-face manner according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger according to the establishment of a face-to-face voucher-only payment virtual account according to an embodiment of the present invention.

3 is a view illustrating a process of opening a voucher virtual account for opening a voucher-only payment virtual account according to an embodiment of the present invention.

4 is a diagram illustrating a voucher virtual account opening system for opening a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

5 is a view showing the configuration of a virtual account ledger according to a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

6 is a view illustrating a process of opening a voucher virtual account for opening a non-face-to-face voucher-only payment virtual account according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a face-to-face information registration system for financial transactions using a voucher virtual account according to an embodiment of the present invention.

8 is a view showing the configuration of the voucher virtual account interworking information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for financial transactions using the voucher virtual account according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for financial transactions using a voucher virtual account according to another embodiment of the present invention. Drawing.

FIG. 10 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of registering voucher virtual account interworking information in a face-to-face manner according to an embodiment of the present invention.

12 illustrates a non-face-to-face information registration system for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for financial transactions using a voucher virtual account according to an embodiment of the present invention.

14 is a diagram illustrating the configuration of the voucher virtual account interworking information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for financial transactions using the voucher virtual account according to another embodiment of the present invention One drawing.

FIG. 15 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of registering voucher virtual account interworking information in a non-face-to-face manner for financial transactions using a voucher virtual account according to one embodiment of the present invention.

17A and 17B illustrate a process of registering voucher virtual account interworking information in a non-face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a configuration of a voucher program providing system for downloading and remotely mounting a voucher program for a wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

19 is a diagram illustrating a process of downloading and remotely mounting a voucher program for a wireless financial transaction using the voucher virtual account to a customer wireless terminal according to an embodiment of the present invention.

20 is a diagram illustrating the configuration of a wireless banking system for a VM-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

21 is a diagram illustrating the configuration of a wireless terminal function for a VM-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

22A and 22B illustrate a VM-based wireless financial transaction process using a voucher virtual account according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating the configuration of a wireless banking system for an IC chip-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

24 is a diagram illustrating the configuration of a wireless terminal function for an IC chip-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

25A and 25B are diagrams illustrating an IC chip-based wireless financial transaction process using a voucher virtual account in the method of the present invention.

<Description of main parts of drawing>

100: virtual account opening server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

The present invention is equipped with a VM (Virtual Machine) for operating a voucher-only payment virtual account in the mobile phone, and processes the inquiry, transfer, payment processing, etc. of the voucher-only payment virtual account, the welfare funds, insurance companies, etc. to the current account The present invention relates to a method of operating a mobile payment virtual account that attracts attracted and voucher subjects to our customers.

The dictionary meaning of the voucher scheme means that the recipient will be given a ticket paid in advance and the recipient will be allowed to enter the place specified in the table free of charge, receive the specified product free of charge, or receive a discount at the stated discount rate. It means a ticket which can be used, and in the case of domestic, it means a free or discount system for the poor (or the person subject to welfare).

In Korea, the voucher system pays a predetermined welfare fund to each person who is eligible for welfare or the poor (for example, a deposit into the real account of the person or the poor), or free of social welfare and living facilities ( Or at a discount).

On the other hand, there is a discussion to extend the voucher system to general beneficiaries (eg, poor credit, low-income, homeless, etc.).

However, since the main targets of the voucher system are those who live alone, grandchildren, and young children living in Korea, the system does not have a big problem even if the system operation method is limited to the above cash payment or the use of social welfare facilities and living facilities. However, if the voucher system is extended to a general beneficiary, or if there is a debt to a conventional beneficiary (or poor), the cash to be paid for the survival of the beneficiary is automatically transferred to the beneficiary's creditor. This will occur.

An object of the present invention for solving the above problems is, in a predetermined virtual account opening means, a predetermined payment amount operator makes an account of the payment amount operator (or payment amount operation related person) to pay a predetermined payment amount to a predetermined customer. Establish a payment virtual account for the customer's name, and make a predetermined information storage means by linking the payment virtual account information for the customer's name, the mother account information of the payment virtual account and the customer's own wireless terminal information in a predetermined information storage means; After storing in the storage medium, and receives the financial transaction request information using the payment virtual account transmitted through the customer-owned wireless terminal in a predetermined information receiving means, the storage medium (or storage medium in the predetermined financial transaction processing means) Mobile payment virtual account to process the requested financial transaction in association with In providing a method of operation.

In the mobile payment virtual account operating method according to the present invention, a predetermined payment amount operator in the predetermined virtual account opening means to pay the predetermined payment amount to the predetermined customer account of the payment amount operator (or payment amount operation related person) Opening a payment virtual account of the customer's name having a parent account; and linking the payment virtual account information of the customer's name, the mother account information of the payment virtual account and the customer's own wireless terminal information in a predetermined information storage means. Storing in a predetermined storage medium; receiving financial transaction request information using the payment virtual account transmitted through the customer-owned wireless terminal in a predetermined information receiving means; and storing the storage medium in a predetermined financial transaction processing means. Processing the requested financial transaction in association with a storage medium operating means; Characterized in that comprises a.

In addition, the mobile payment virtual account operating method according to the present invention, a predetermined payment amount operator in the predetermined virtual account opening means for the payment amount operator (or payment amount operation related person) to pay the predetermined payment amount to a predetermined customer Opening a payment virtual account for the customer's name using the account as a parent account, and linking the payment virtual account information for the customer's name and the mother account information of the payment virtual account in a predetermined information storage means to a predetermined storage medium. Storing, receiving financial transaction request information using the payment virtual account transmitted through the customer-owned wireless terminal in a predetermined information receiving means, and operating the storage medium (or storage medium in the predetermined financial transaction processing means). Means for processing the requested financial transaction in association with And a gong.

According to the present invention, the mobile payment virtual account operation method further comprises the step of providing a wireless banking program for the financial transaction processing corresponding to the payment virtual account to the customer-owned wireless terminal in a predetermined program providing means. It is characterized by.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the above-described mobile payment virtual account operating 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 easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements 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.

Hereinafter, in order to effectively explain the technical features of the present invention, the virtual account is a "voucher virtual account" opened under the name of a predetermined voucher subject, and the parent account associated with the virtual account is a welfare fund management institution (eg, a health care institution). Although the embodiment corresponding to the "Welfare Fund Management Account" opened in the name of the Ministry of Welfare and / or each local government) is illustrated and described, the virtual account of the present invention is limited to the voucher virtual account, and the mother account is the welfare fund. It is by no means limited to a working account.

1 is a diagram illustrating a voucher virtual account opening system for opening a voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, Figure 1 shows that a predetermined welfare fund management institution requests a voucher virtual account to open a voucher-only payment virtual account through a face-to-face virtual account opening interface, and the predetermined voucher virtual account opening system according to the present invention. A system for opening a voucher virtual account with a welfare fund management account opened in the name of a welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) as a parent account. Visit the window of the financial institution that opens the voucher virtual account, fill out a predetermined virtual account opening application form, and submit it to the cashier, and the cashier corresponds to the predetermined virtual account opening application through a predetermined teller terminal. If you provide the account opening application information, open a voucher virtual account according to the present invention In the implementation of the system will open a way to account for the virtual vouchers vouchers only pay a virtual account opening application to establish a virtual account information to the voucher subjects.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer various implementation methods for constructing a voucher virtual account opening system for opening a voucher-only payment virtual account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, based on the virtual account opening application information provided from the welfare fund operation institution through a predetermined virtual account opening interface on the voucher virtual account opening system shown in FIG. 1, the voucher subject name corresponding to the voucher virtual account opening target The components corresponding to at least one or more means and / or functional configurations of opening a predetermined voucher virtual account of are referred to as " voucher virtual account opening server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher-only payment virtual account includes a teller terminal used by a teller provided with at least one financial institution. The window terminal is connected to a voucher virtual account opening server 100 provided on the voucher virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the welfare fund management institution visits the financial institution to open the voucher-only payment virtual account and pays the voucher exclusively through a window (or through a cashier) provided at the financial institution. Prepare a virtual account opening application (e.g., a document with a form for filling in at least one information item for opening a voucher-only payment virtual account) for opening a virtual account (or the counter staff Visit the management agency and ask the welfare fund management agency to fill out a predetermined virtual account opening application for opening the voucher-only payment virtual account), and submit the completed virtual account opening application to the counter staff. Input the information filled in the virtual account opening application through a predetermined window terminal ( It is selected), and the service area terminal preferably transmits the information of the input (or selected) on the voucher virtual account opening server 100 provided on the voucher virtual account opening system through the financial network.

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the voucher virtual account opening server 100 connected to the teller terminal is on the financial system that the voucher virtual account is opened. It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the voucher virtual account opening server 100 is connected to the communication channel between the teller terminal and the voucher virtual account opening server 100 It is preferable to comprise a network.

In the voucher virtual account opening system as described above, a virtual account opening application prepared by the welfare fund operation institution, a window terminal used by the teller and the window terminal and the voucher virtual account opening server (100) The network performs a function of a virtual account opening interface for the welfare fund management organization to register virtual account opening request information for opening the voucher-only payment virtual account.

A financial institution that opens a voucher virtual account for opening the voucher-only payment virtual account to a predetermined voucher subject at the request of the welfare fund management institution may receive at least one financial transaction (eg, credit, receiving) from at least one financial transaction customer. , Foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

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). Provide a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, and the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable to achieve.

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) And a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service is provided to the voucher through opening and operating the voucher virtual account. It is desirable to include a financial transaction service for opening a virtual account.

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 to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service may be performed by opening and operating the voucher virtual account. It is preferable to include a financial transaction service for opening a voucher-only payment virtual account.

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). The financial transaction service provides a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable that it is comprised including a switch.

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 service, and the financial transaction service is preferably made by including a financial transaction service for opening the voucher-only payment virtual account through the opening and operation of the voucher virtual account. .

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice telephony network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless call terminal (e.g., PCS and / or GSM) connected to the above-mentioned wired call 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). A non-face-to-face financial transaction service to at least one financial transaction customer through a terminal and / or a smart phone, etc., wherein the financial transaction service opens the voucher-specific payment virtual account through opening and operating the voucher virtual account. It is desirable to include financial transaction services.

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 a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to achieve.

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 , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to include financial transaction services.

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 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 voucher virtual account opening server 100 provided on the voucher virtual account opening system according to the present invention is a generic term for the voucher virtual account opening system side component connected to the window terminal through a predetermined financial network. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to the method of the present invention, the voucher virtual account opening server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined virtual account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 105 communicates with the teller terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the communication protocol defined in the voucher virtual account opening program provided in the window terminal.

Referring to FIG. 1, the voucher virtual account opening server 100 is linked with the interface unit 105 when a predetermined terminal is connected to the voucher virtual account opening server 100 through the interface unit 105. And an interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the window terminal to provide the window terminal to the window terminal, and the interface unit. An information receiving unit 115 which receives predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with 105 and based on the received virtual account opening request information; An information generator 120 for generating predetermined virtual account ledger information corresponding to the voucher virtual account to be opened to the customer; And an information storage unit 125 in the ledger D / B for storing the virtual account ledger information generated in association with the account ledger of the financial account corresponding to the welfare fund operating account linked to the voucher virtual account. It is done.

The interface providing unit 110, when a predetermined window terminal is connected to the voucher virtual account opening server 100 through the interface unit 105, the virtual account opening application corresponding to the functional configuration provided in the window terminal Generate a predetermined user interface that can input (or select) information and transmit it to the voucher virtual account opening server 100 via the financial network, and / or extract from a predetermined database (not shown), and the interface And the user interface generated (or extracted) in conjunction with the unit 105 to the counter terminal through the financial network.

Thereafter, the teller terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the (or selected) virtual account opening application information through the financial network to the voucher virtual account opening server. Send to 100.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a voucher virtual account opening program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined application information for opening a virtual account through the user interface at the window terminal and transmits it through the financial network, the information receiving unit 115 interworks with the interface unit 105 to provide the virtual account. Characterized in that to receive the establishment request information, and provides the received virtual account establishment application information to the information generating unit 120.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique Number), or the card number included in the voucher card).

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited), and the account number and account holder information of the welfare fund management account already established in the ledger D / B on the financial system. It is preferable to include one or more.

According to the embodiment of the present invention, the information receiver 115 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening is specifically confirmed that a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include one or more.

The information generating unit 120 generates predetermined virtual account ledger information to be provided in the voucher virtual account opened under the name of the voucher subject based on the virtual account opening application information received through the information receiving unit 115. The virtual account ledger information is to be included in the parent account information associated with the virtual account, and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is subject to And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be processed in order to process the payment through the payment amount voucher), detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generation unit 120, the information storage unit 125 operates the welfare fund provided in the ledger D / B provided on the financial system. And generating a predetermined virtual account ledger associated with an account ledger corresponding to an account, and storing the generated virtual account ledger information in the virtual account ledger.

2 is a diagram illustrating the configuration of a virtual account ledger according to the establishment of a face-to-face voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, Figure 2 is an account corresponding to the welfare fund management account provided in the ledger D / B 200 on the financial system for opening the voucher-only payment virtual account in the voucher virtual account opening system shown in Figure 1 As for the virtual account ledger to be processed in connection with the ledger, those of ordinary skill in the art to which the present invention pertains, the virtual account ledger for opening a voucher-only payment virtual account by referring to and / or modified in the drawing 2 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, a virtual account ledger corresponding to a voucher virtual account opened in the name of the voucher subject to open the voucher-only payment virtual account is processed in association with an account ledger corresponding to the welfare fund operation account. The account ledger corresponding to the welfare fund management account is provided in the ledger D / B 200 of the award, and the predetermined account corresponding to the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government). It is characterized in that it is processed in connection with the customer ledger.

In FIG. 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company Address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, in this figure 2, the account ledger corresponding to the welfare fund management account is linked to the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI Volume 1, RBI Balance 2, Bank Balance, Bank Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Last Deposit, Last Withdrawal, Unpaid Transactions, Interest Rate Account, It includes account ledger information that includes at least one of the following: linkage, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic receipt information including at least one or more periods (days), period extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of a voucher payment, transfer of funds, or the like) to be included in the account ledger provided in the ledger D / B 200 provided on the system It is preferable to include at least one ledger information) that should be provided to process the payment processing through the payment amount of the voucher).

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the voucher The amount corresponding to the virtual account balance, wherein the actual balance of the voucher virtual account is deposited in the welfare fund management account. It is preferable.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

3 is a view illustrating a process of opening a voucher virtual account for opening a voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, in FIG. 3, in the voucher virtual account opening system shown in FIG. 1, a predetermined customer opens the voucher virtual account through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a financial network). When the voucher virtual account opening application information is transmitted to the server 100, the voucher virtual account opening server 100 opens a predetermined voucher virtual account based on the virtual account opening application information. As to a process of opening, various ones of ordinary skill in the art to which the present invention pertains, various methods of opening the voucher virtual account for the purpose of opening a voucher-only payment virtual account by referring to and / or modifying the figure 3 It may be inferred that, but the present invention includes all the inferred implementation method, the implementation method shown in Figure 3 Not limited to.

Hereinafter, in FIG. 3, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the voucher virtual account opening server 100 will be referred to as "server" for convenience.

Referring to Figure 3, the welfare fund operating institution that wants to open a voucher virtual account to the voucher subject to open the voucher-only payment virtual account, if you create a predetermined virtual account opening application, and submits the created virtual account opening application The terminal provides the virtual account opening application information included in the virtual account opening application to the server through the virtual account opening interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique The call), or the card number, etc.) included in the voucher card preferably comprises.

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder information for the welfare fund management account already established in the ledger D / B 200 on the financial system as the information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited. It is preferable to include at least one or more.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, and verifies the validity of whether the voucher virtual account can be opened to the voucher subject. (305).

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to include one or more specifically.

If the validity to open the voucher virtual account to the customer is not authenticated through the virtual account opening application information (310), the server informs the customer of the voucher virtual account opening error information through the virtual account opening interface. Provide (315) and stop opening the voucher virtual account to the customer.

On the other hand, if the validity to open the voucher virtual account to the customer is authenticated through the virtual account opening application information (310), the server is based on the virtual account opening application information to the voucher virtual account to open to the voucher subject In operation 320, virtual account ledger information of the corresponding voucher subject name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is the person And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment process through the payment amount voucher), detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject among at least one account ledger provided on the ledger D / B 200 on the financial system. (325).

If the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject is confirmed (330), the server is provided on the ledger D / B (200) on the financial system Create a virtual account ledger of the voucher subject name that is linked to the account ledger corresponding to the welfare fund management account (335), the account ledger corresponding to the welfare fund management account in the ledger D / B (200) on the financial system In operation 340, the generated virtual account ledger information is stored in the virtual account ledger generated by linking with the generated account.

Voucher-specific information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) in the voucher target information included in the virtual account opening application information according to an embodiment of the present invention. Is included, the financial institution in which the voucher virtual account is opened after the voucher virtual account linked to the welfare fund management account is opened as described above, and the voucher subject information (for example, voucher payment target name, social security number, address, telephone). A voucher subject corresponding to a voucher subject personal information including at least one of a number, a mobile phone number, and an e-mail address, etc., by visiting the financial institution window through the voucher certificate and / or the voucher card (or operated by the financial institution). Cash Dispenser (CAD) / Automatic Teller Machine (ATM) or at least one non-face to face finance It is desirable to request a voucher password registration for processing at least one financial transaction (through a channel).

Alternatively, if the voucher target information included in the virtual account opening application information includes the voucher unique information (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher card), The welfare fund management institution visits the financial institution window through the voucher certificate and / or voucher card to the voucher subject after the voucher virtual account linked to the welfare fund management account is opened as described above (or the financial institution). It is desirable to request a voucher password registration for processing at least one or more financial transactions (via CD / ATM, or at least one or more non-face-to-face financial transaction channels).

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject information included in the virtual account opening application information. The financial information without a separate voucher certificate (or voucher card) to the voucher subject (for example, the voucher subject personal information including at least one or more of the voucher payment subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) A voucher unique code (or unique number) and voucher for processing at least one financial transaction by visiting an institution's counter (or via a CD / ATM operated by the financial institution or through at least one or more non-face-to-face financial transaction channels) It is desirable to request a password registration.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management institution visits the financial institution's counter (or the voucher card) without a separate voucher certificate (or voucher card). It is desirable to request a voucher unique code (or unique number) and voucher password registration for processing at least one financial transaction through a CD / ATM operated by a financial institution or through at least one non-face-to-face financial transaction channel. .

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. At least one card (e.g., credit card) owned by the voucher through information (e.g., voucher subject personal information including at least one or more of a voucher subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) , Check card, debit card, cash card, prepaid card, etc.) to visit the financial institution's counter (or via CD / ATM operated by the financial institution, or through at least one non-face-to-face financial transaction channel). It is preferable to request card information registration for processing at least one or more financial transactions.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, the voucher payment target name, social security number, address, At least one card (eg, credit card, check card, debit card, cash card, prepaid card, etc.) owned by the voucher through a voucher subject personal information including at least one of a telephone number, a mobile phone number, and an e-mail address. Visit the financial institution's counter (or via CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to register card information for processing at least one financial transaction. It is desirable to request.

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. Visiting the financial institution's window (or operating by the financial institution) through information (for example, a personal voucher subject information including at least one or more of a voucher payment target name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is desirable to request issuance of a predetermined voucher card for processing at least one or more financial transactions (via CD / ATM or through at least one or more non-face to face financial channels).

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, Visit the financial institution's counter (or personal information including at least one of a telephone number, a mobile phone number, an e-mail address, etc.) (or via a CD / ATM operated by the financial institution, or at least one non-face-to-face finance) It is desirable to request issuance of a predetermined voucher card for processing at least one financial transaction (through a trading channel).

4 is a diagram illustrating a voucher virtual account opening system for opening a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, FIG. 4 shows that a given welfare fund management institution requests the opening of a voucher virtual account for opening a voucher-only payment virtual account through a virtual account opening interface including at least one or more non-face-to-face financial transaction channels. In the voucher virtual account opening system according to the system configuration for opening a voucher virtual account with a welfare fund operating account opened in the name of a predetermined welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), Specifically, when the welfare fund management institution provides the predetermined virtual account opening application information using the virtual account opening interface according to the present invention through a predetermined welfare fund operating institution terminal corresponding to the non-face-to-face financial transaction channel, Application for opening the virtual account in the voucher virtual account opening system according to Based on the will of the exemplary method of opening a virtual account vouchers vouchers only for the opening of the virtual account payment vouchers person's name.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the construction of a voucher virtual account opening system for opening a voucher-only payment virtual account. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, based on the virtual account opening application information provided from the welfare fund operation institution through a predetermined virtual account opening interface on the voucher virtual account opening system shown in FIG. 4, the voucher subject who corresponds to the voucher virtual account opening target. Components corresponding to at least one or more means and / or functional configurations of opening a given voucher virtual account are referred to as " voucher virtual account opening server 100 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher-only payment virtual account may be provided when the voucher virtual account opening system supports a non-face-to-face voucher virtual account opening. The welfare fund management organization comprises a welfare fund operating institution terminal for inputting (or selecting) predetermined virtual account opening application information and transmitting to the voucher virtual account opening server 100, wherein the welfare fund The operating institution terminal connects the communication channel with the voucher virtual account opening server 100 provided on the voucher virtual account opening system through a predetermined network means.

According to an exemplary embodiment of the present invention, when the voucher virtual account opening system supports a non-face-to-face voucher virtual account opening, the welfare fund operation organization may be a wired terminal connected to a predetermined wired network and / or a predetermined wireless communication network. The voucher virtual account opening server 100 is connected to the voucher virtual account opening server 100 through at least one client terminal of a wireless terminal connected to the voucher, and the voucher dedicated payment virtual account is provided through at least one user interface provided by the voucher virtual account opening server 100. When inputting (or selecting) virtual account opening application information for opening, it is preferable that the client terminal transmits the voucher virtual account opening server 100 provided on the voucher virtual account opening 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 TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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 comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the client terminal outputs at least one user interface provided by the voucher virtual account opening server 100, and inputs and / or selects at least one or more information through the user interface to open the voucher virtual account opening server ( A function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the voucher virtual account opening server 100, etc.) for transmission to the 100 is preferably provided.

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

In the voucher virtual account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the welfare fund operation institution, and the client terminal and the voucher virtual account opening server 100 is connected. The at least one wired network and / or the wireless network performs a function of a virtual account opening interface for the welfare fund operation organization to register virtual account opening application information for opening the voucher-only payment virtual account.

According to another exemplary embodiment of the present invention, when the voucher virtual account opening system supports the establishment of a non-face-to-face voucher virtual account, the welfare fund operation institution terminal may be provided with a predetermined financial network (eg, financial). A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a common network, and / or a predetermined public telephone network ( 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 telephone network such as a mobile communication network or a wireless VoIP network. A terminal (and / or) is provided further comprising a predetermined communication terminal (not shown) connected to, and / or provided in at least one or more institutions affiliated with the financial institution. Server) (it may further comprise a not shown), to which the present invention is not limited.

In the case of supporting a non-face-to-face voucher virtual account opening as described above, when the welfare fund operating institution terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the voucher virtual account opening server 100 has a function of a virtual account opening interface for the welfare fund operation institution to register virtual account opening application information for opening the voucher-only payment virtual account. And / or when the welfare fund management institution terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the voucher virtual account opening server 100. For wired telephone network and / or wireless telephone network, the welfare fund operation organization requests to open a virtual account for opening a voucher-only payment virtual account. In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which functions as a virtual account opening interface for registering a report, and / or the welfare fund operation institution terminal, (And / or server) (not shown) and the terminal (and / or server) (not shown) and the voucher virtual account opening server 100 is connected to the voucher dedicated payment virtual account by the welfare fund management organization It performs the function of the virtual account opening interface for registering virtual account opening application information for opening.

A financial institution that opens a voucher virtual account for opening a voucher-only payment virtual account to a given voucher subject at the request of the welfare fund operation institution may include at least one financial transaction (eg, credit, Receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

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). Provide a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, and the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable to achieve.

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) And a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service is provided to the voucher through opening and operating the voucher virtual account. It is desirable to include a financial transaction service for opening a virtual account.

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 to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service may be performed by opening and operating the voucher virtual account. It is preferable to include a financial transaction service for opening a voucher-only payment virtual account.

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). The financial transaction service is a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable that it is comprised including a switch.

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 service, and the financial transaction service is preferably made by including a financial transaction service for opening the voucher-only payment virtual account through the opening and operation of the voucher virtual account. .

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 provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smartphone, etc., wherein the financial transaction service is for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to include financial transaction services.

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 a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to achieve.

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 a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is used to open a voucher-only payment virtual account by opening and operating the voucher virtual account. It is desirable to include a transaction service.

Referring to FIG. 4, 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 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 200 on a financial system that stores at least one ledger, wherein the ledger D / B 200 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and corresponding and / or supplementing each ledger information (e.g., attributes / functions of each ledger) At least one ledger additional information 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 200 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. Not only at least one or more of the ledger additional information corresponding to each ledger information, but also each ledger information is linked and stored in a relational manner, and / or the predetermined ledger information and at least one ledger additional information Since it will be understood that the relational processing is stored in relation, detailed description thereof will be omitted for convenience.

The voucher virtual account opening server 100 provided on the voucher virtual account opening system according to the present invention is a generic term for the component of the voucher virtual account opening system side connected to the welfare fund operating institution terminal through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to an embodiment of the present invention, the voucher virtual account opening server 100 is provided with an interface unit 105 that provides a predetermined virtual account opening interface to the welfare fund operating institution terminal through the network means. It is done.

According to an embodiment of the present invention, when the welfare fund operation institution terminal 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 105 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a 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 transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 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 a predetermined voucher virtual account opening program provided by the voucher virtual account opening server 100 is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and 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 welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 105 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. .

Alternatively, when the voucher virtual account opening program provided by the voucher virtual account opening server 100 is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 4, the voucher virtual account opening server 100 is connected to the voucher virtual account opening server 100 through a predetermined welfare fund operation institution terminal through the interface unit 105. 105) an interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the welfare fund operation organization terminal to provide the welfare fund operation organization terminal Information receiving unit 115 for receiving a predetermined virtual account opening application information that is input (or selected) and transmitted from the welfare fund operating institution terminal via the user interface in conjunction with the providing unit 110 and the interface unit 105. And a predetermined virtual account member corresponding to the voucher virtual account to be opened to the customer based on the received virtual account opening application information. The information generating unit 120 for generating information and the ledger D / B (200) on the financial system generated in association with the account ledger of the financial account corresponding to the welfare fund management account associated with the voucher virtual account And an information storage unit 125 for storing the virtual account ledger information.

The interface providing unit 110 corresponds to a functional configuration provided in the welfare fund operating institution terminal when a predetermined welfare fund operating institution terminal is connected to the voucher virtual account opening server 100 through the interface unit 105. Input (or select) the virtual account opening application information to generate a predetermined user interface which can be transmitted to the voucher virtual account opening server 100 through the network means, and / or a predetermined database (not shown). And the user interface generated (or extracted) in connection with the interface unit 105 to the welfare fund operation institution terminal through the network means.

Thereafter, the welfare fund operation institution terminal inputs (or selects) the virtual account opening application information based on the user interface, and the virtual account opening application information is input (or selected) through the network means. Transfer to the account opening server 100.

According to an embodiment of the present invention, when the welfare fund operation institution terminal 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 110 may include Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 105. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 includes a browser program provided in the client terminal and It is preferable to 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 105.

The information receiving unit 115 inputs (or selects) predetermined virtual account opening application information through the user interface in the welfare fund operation institution terminal and transmits the information through the network means, interworking with the interface unit 105. The virtual account establishment request information is received, and the received virtual account establishment application information is provided to the information generation unit 120.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living in juveniles, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique Number), or the card number included in the voucher card).

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder information for the welfare fund management account already established in the ledger D / B 200 on the financial system as the information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited. It is preferable to include at least one or more.

According to the exemplary embodiment of the present invention, the information receiver 115 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to include one or more specifically.

The information generating unit 120 generates predetermined virtual account ledger information to be provided in the voucher virtual account opened under the name of the voucher subject based on the virtual account opening application information received through the information receiving unit 115. Characterized in that, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is Preferably at least one ledger information required to be processed by the voucher subject to at least one or more financial transactions requested by the voucher (e.g. withdrawal of voucher payments, transfers, or payments through voucher payments). Do.

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information) to be processed in order to process the payment processing through the voucher payment amount, detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generating unit 120, the information storage unit 125 is provided in the ledger D / B 200 provided on the financial system. And generating a predetermined virtual account ledger associated with the account ledger corresponding to the welfare fund operation account and storing the generated virtual account ledger information in the virtual account ledger.

5 is a diagram illustrating the configuration of a virtual account ledger according to a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, Figure 5 is an account corresponding to the welfare fund management account provided in the ledger D / B 200 on the financial system for opening the voucher-only payment virtual account in the voucher virtual account opening system shown in Figure 4 As for the virtual account ledger configuration to be processed in connection with the ledger, those of ordinary skill in the art to which the present invention belongs, the virtual account ledger for opening a voucher-only payment virtual account by referring to and / or modified in this figure 5 Various implementation methods may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, a virtual account ledger corresponding to a voucher virtual account opened in the name of the voucher subject to open the voucher-only payment virtual account is processed in association with an account ledger corresponding to the welfare fund operation account. The account ledger corresponding to the welfare fund management account is provided in the ledger D / B 200 of the award, and the predetermined account corresponding to the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government). It is characterized in that it is processed in connection with the customer ledger.

According to the method of the present invention, the customer ledger in FIG. 5 corresponds to the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company Address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, in this figure 5, the account ledger corresponding to the welfare fund management account is linked with the customer ledger in relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI Volume 1, RBI Balance 2, Bank Balance, Bank Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Last Deposit, Last Withdrawal, Unpaid Transactions, Interest Rate Account, It includes account ledger information that includes at least one of the following: linkage, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic receipt information including at least one or more periods (days), period extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of a voucher payment, transfer of funds, or the like) to be included in the account ledger provided in the ledger D / B 200 provided on the system It is preferable to include at least one ledger information) that should be provided to process the payment processing through the payment amount of the voucher).

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the voucher The amount corresponding to the virtual account balance, wherein the actual balance of the voucher virtual account is deposited in the welfare fund management account. It is preferable.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

6 is a view illustrating a process of opening a voucher virtual account for opening a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a client terminal and a network in which a predetermined customer includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the voucher virtual account opening system shown in FIG. 4. Means) transmits a predetermined virtual account opening application information to the voucher virtual account opening server 100 through the voucher virtual account opening server 100, and the voucher virtual account opening server 100 requests the virtual account opening. Regarding the process of opening a predetermined voucher virtual account based on the information, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this figure 6 to open a voucher-only payment virtual account. Various implementation methods of opening the voucher virtual account may be inferred, but the present invention is inferred It includes both upon how and shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, in FIG. 6, the welfare fund operating institution terminal shown in FIG. 4 is referred to as a “terminal” for convenience, and the voucher virtual account opening server 100 is referred to as a “server” for convenience.

Referring to FIG. 6, a welfare fund operation organization that wants to open a voucher virtual account to the voucher subject to open the voucher-only payment virtual account accesses the server through the network means using the terminal, and connects to the server. Request a virtual account opening interface for opening the voucher virtual account (600), and correspondingly, the server extracts (or generates) a virtual account opening interface for opening the voucher virtual account and provides it to the terminal (605). .

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface, and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface (610). .

The virtual account opening interface may include a predetermined terminal used by the welfare fund operation organization, network means for connecting the terminal and the server, and inputting predetermined virtual account opening application information from the terminal to the server. It is preferable to include a user interface for transmitting.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique Number), or the card number included in the voucher card).

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder information for the welfare fund management account already established in the ledger D / B 200 on the financial system as the information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited. It is preferable to include at least one or more.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to check whether the voucher virtual account can be opened to the customer. 615).

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to include one or more specifically.

If the validity to open the voucher virtual account to the customer is not authenticated through the virtual account opening application information (620), the server informs the customer of the voucher virtual account opening error information through the virtual account opening interface. Provide (625) and stop opening the voucher virtual account to the customer.

On the other hand, if the validity to open the voucher virtual account to the customer is authenticated through the virtual account opening application information (620), the server is based on the virtual account opening application information to the voucher virtual account to open to the voucher subject In operation 630, virtual account ledger information of the corresponding voucher subject name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is the person And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information) to be processed in order to process the payment processing through the voucher payment amount, detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject among at least one account ledger provided on the ledger D / B 200 on the financial system. (635).

If the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject is confirmed (640), the server is provided on the welfare D / B 200 on the financial system A virtual account ledger of the name of the voucher subject to be processed in association with an account ledger corresponding to a fund management account (645), and an account ledger corresponding to the welfare fund management account to the ledger D / B (200) on the financial system; The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (650).

Voucher-specific information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) in the voucher target information included in the virtual account opening application information according to an embodiment of the present invention. Is included, the financial institution in which the voucher virtual account is opened after the voucher virtual account linked to the welfare fund management account is opened as described above, and the voucher subject information (for example, voucher payment target name, social security number, address, telephone). A voucher subject corresponding to a voucher subject personal information including at least one of a number, a mobile phone number, and an e-mail address, etc., by visiting the financial institution window through the voucher certificate and / or the voucher card (or operated by the financial institution). Cash Dispenser (CAD) / Automatic Teller Machine (ATM) or at least one non-face to face finance Below through the channel), it is preferable to request a voucher password register for processing the at least one financial transaction.

Alternatively, when the voucher target information included in the virtual account opening application information includes the voucher unique information (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher card), The welfare fund management institution visits the financial institution window through the voucher certificate and / or voucher card to the voucher subject after the voucher virtual account linked to the welfare fund management account is opened as described above (or at the financial institution). It is desirable to request a voucher password registration for processing at least one or more financial transactions (through an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels).

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject information included in the virtual account opening application information. (Eg, a voucher subject personal information including at least one voucher payment subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) to the voucher subject without a separate voucher certificate (or voucher card) A voucher unique code (or unique number) for the processing of at least one financial transaction by visiting a financial institution window (or via a CD / ATM operated by the financial institution or through at least one or more non-face-to-face financial transaction channels); It is desirable to request a voucher password registration.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management institution visits the financial institution's counter (or the voucher card) without a separate voucher certificate (or voucher card). It is desirable to request a voucher unique code (or unique number) and voucher password registration for processing at least one financial transaction through a CD / ATM operated by a financial institution or through at least one non-face-to-face financial transaction channel. .

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. At least one card (e.g., credit card) owned by the voucher through information (e.g., voucher subject personal information including at least one or more of a voucher subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) , Check card, debit card, cash card, prepaid card, etc. to visit the financial institution's counter (or via CD / ATM operated by the financial institution) or through at least one non-face-to-face financial transaction channel. It is preferable to request the registration of the card information for processing at least one financial transaction.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, At least one card (eg, credit card, check card, debit card, cash card, prepaid card, etc.) owned by the voucher through a voucher subject personal information including at least one of a telephone number, a mobile phone number, and an e-mail address. Visit the financial institution's counter (or via CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to register card information for processing at least one financial transaction. It is desirable to request.

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. Visiting the financial institution's window (or operating by the financial institution) through information (for example, a personal voucher subject information including at least one or more of a voucher payment target name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is desirable to request issuance of a predetermined voucher card for processing at least one or more financial transactions (via CD / ATM or through at least one or more non-face to face financial channels).

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, Visit the financial institution's counter (or personal information including at least one of a telephone number, a mobile phone number, an e-mail address, etc.) (or via a CD / ATM operated by the financial institution, or at least one non-face-to-face finance) It is desirable to request issuance of a predetermined voucher card for processing at least one financial transaction (through a trading channel).

7 is a diagram illustrating a face-to-face information registration system for financial transactions using a voucher virtual account according to an embodiment of the present invention.

In more detail, in FIG. 7, after the voucher virtual account is opened to a predetermined voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the voucher subject is informed through a predetermined information registration interface. Voucher subject information and voucher card information (e.g., credit card, check card, debit card, cash card, prepaid card issued by the at least one card company to the voucher subject for financial transactions using the voucher virtual account according to the present invention). When providing the voucher virtual account interlocking information including at least one card information corresponding to a card or the like), the information registration system based on the voucher subject information included in the provided voucher virtual account interlocking information 1 and / or Through the voucher virtual account opening system shown in FIG. The present invention relates to a system configuration for linking the voucher card information to a virtual account ledger corresponding to a voucher virtual account issued to a voucher subject and storing the voucher card information in a predetermined storage medium 730, which is commonly known in the art. If the person having the present invention will be able to infer various implementation methods for the configuration of the information registration system for financial transactions using the voucher virtual account by referring to and / or modifying the present invention, the present invention provides a method for implementing all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the configuration of the information registration system illustrated in FIG. 7 and the voucher virtual account opening system illustrated in FIGS. 1 and / or 4. Voucher unique information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) to the voucher target information included in the virtual account opening application information during the voucher virtual account opening process through Is included, the voucher subject visits the financial institution window through the voucher certificate and / or voucher card (or via CD / ATM operated by the financial institution, or at least one non-face-to-face financial transaction channel). Non-face-to-face information for registering voucher passwords for processing at least one financial transaction Would be able to infer the system configuration, the present invention includes all embodiments in which the inference method, to which the technical feature of the present invention is not limited.

Or, if you have ordinary knowledge in the technical field to which the invention belongs, by referring to and / or modify the configuration of the information registration system shown in Figure 7, the subject of the voucher without a separate voucher certificate (or voucher card) the financial institution Voucher unique codes (or unique numbers) and voucher passwords for processing at least one financial transaction by visiting the counter (or via a CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) It is possible to infer a non-face-to-face information registration system configuration for registering the present invention, but the present invention includes all the inferred implementation methods, whereby the technical features of the present invention are not limited.

Alternatively, a person having ordinary knowledge in the technical field to which the invention belongs may refer to and / or modify the configuration of the information registration system shown in FIG. 7 so that the voucher subject visits the financial institution window (or at the financial institution). It would be possible to infer a system configuration for issuing a predetermined voucher card for processing at least one or more financial transactions (via an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels) It includes all the methods of implementation, whereby the technical features of the present invention are not limited.

Hereinafter, at least one means and / or functional configuration for storing the voucher virtual account interworking information provided from the customer on the storage medium 730 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, an information registration system for financial transactions using a voucher virtual account according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch. And the information registration terminal is connected to a communication channel with an information registration server 700 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for a financial transaction using a voucher virtual account according to the present invention, and through a window provided at the financial institution branch (or through a teller). Fill out a prescribed application for financial transactions using the voucher virtual account (for example, a document with a form for filling in at least one item of information for financial transactions using the voucher virtual account) and send the completed application to the teller Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal sends the input (or select) the information entered through the financial network to the information registration system. It is preferable to transmit to the information registration server 700 provided on the.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 700 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 700 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 700. Do.

In the information registration system as described above, the application form prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 700 are the vouchers according to the present invention. It performs the function of the information registration interface for registering the voucher virtual account interworking information for financial transactions using the virtual account.

The storage medium 730 provided on the information registration system according to the present invention is based on the voucher subject information included in the voucher virtual account interworking information provided from the information registration terminal. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the illustrated voucher virtual account opening system and stored in a predetermined storage medium 730.

Here, the voucher subject information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by a predetermined welfare fund operation institution ( Or poor) and / or voucher personal information (e.g., voucher payee's name, social security number, address, phone number, mobile phone number, e-mail address) for creditors, low income, homeless persons, etc. Etc.), and when the welfare fund management institution issues a voucher certificate or voucher card to the voucher subject, the voucher is included in the voucher certificate (or voucher card). Information (e.g., the serial number included in the voucher certificate (or It comprises a unique number), or the card number contained in the card voucher, etc.) are preferred.

The voucher card information may include at least one card company information, a card number, an expiration date information, etc. corresponding to a credit card, a check card, a debit card, a cash card, a prepaid card, etc. issued to the voucher subject by at least one card company. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 700 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 700 is characterized in that it comprises an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 705 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 7, when the predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705, the information registration server 700 works in conjunction with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined voucher virtual account interworking information to the registration terminal, and providing the information registration terminal to the information registration terminal; An information receiving unit 715 for receiving predetermined voucher virtual account interworking information input (or selected) and transmitted from the information registration terminal through the user interface in association with 705 and the received voucher virtual account interworking information; Validation unit 720 for confirming the validity, and the voucher subject information included in the voucher virtual account interlocking information confirmed the validity The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 to a predetermined storage medium 730. And an information storage unit 725 stored in the storage unit.

The interface providing unit 710 connects the voucher virtual account in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705. Generate a predetermined user interface capable of inputting (or selecting) information and transmitting it to the information registration server 700 via the financial network, and / or extract from a predetermined database (not shown), and the interface unit ( In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information based on the user interface, and the input (or select) the voucher virtual account. The interworking information is transmitted to the information registration server 700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

When the information receiving unit 715 inputs (or selects) voucher virtual account interworking information including at least one of voucher subject information and voucher card information through the user interface, the information registration terminal 715 transmits the information through the financial network. The voucher virtual account interworking information is received in cooperation with the interface unit 705, and the received voucher virtual account interworking information is provided to the validity checker 720.

The validity verification unit 720 is characterized in that whether the voucher virtual account interworking information received from the information registration terminal satisfies the validity for financial transactions using the voucher virtual account.

According to an embodiment of the present invention, the validity of the voucher virtual account interworking information is determined by the voucher shown in Fig. 1 and / or Fig. 4 in the ledger D / B 200 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher target information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the virtual account opening system.

When the validity of the voucher virtual account interworking information is confirmed, the information storage unit 725 is based on the voucher subject information included in the voucher virtual account interlocking information, and the voucher virtual account shown in FIGS. 1 and / or 4 is shown. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through an open system and stored in the storage medium 730, and the storage medium 730 stores the voucher card information. When provided in the information registration server 700 or provided on the network associated with the information registration server 700, the information storage unit 725 receives the voucher subject information included in the received voucher virtual account linkage information. Voucher issued to the voucher subject through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 based on Preferably, the voucher card information is linked to a virtual account ledger corresponding to an account and stored in the storage medium 730. When the storage medium 730 is provided in a DBMS provided on a financial system, the information is stored. The storage unit 725 is a voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the received voucher virtual account interworking information. Preferably, the voucher card information is provided to the virtual account ledger corresponding to the account as an information system through an external system on the financial system and stored in a DBMS provided on the financial system.

8 is a view showing the configuration of the voucher virtual account interworking information stored in the ledger D / B 800 provided in the DBMS on the financial system in a face-to-face for financial transactions using the voucher virtual account according to an embodiment of the present invention .

In more detail, FIG. 8 illustrates the general ledger information provided in the ledger D / B 800 when the storage medium 730 illustrated in FIG. 7 is the ledger D / B 800 provided in the DBMS on the financial system. The virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. An information structure for an embodiment of the present invention for linking and processing the voucher card information is illustrated. If a person of ordinary skill in the art belongs to the present invention, the present invention may be modified by referring to and / or modifying the present invention. Although it is possible to infer various information configuration methods for storing the voucher virtual account interworking information in / B (800), the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Referring to FIG. 8 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the name of the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is provided. The ledger corresponding to the welfare fund management account is processed in connection with the ledger D / B 800 on the financial system, characterized in that the account ledger corresponding to the welfare fund management account is the welfare fund management institution ( For example, it is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the Ministry of Health and Welfare and / or each local government.

Here, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, a contact ID, a branch number, a customer classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Location, Account number, president, type of business, legal representative, first transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus detailed description thereof will be omitted.

In addition, the account ledger corresponding to the welfare fund management account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transaction transactions, interest rate account, It includes account ledger information including at least one final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. Periodic reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of settlement Transaction information including at least one bank account line, summary, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the welfare fund management account, the virtual account ledger information is provided on the financial system and the parent account information associated with the virtual account At least one financial transaction (e.g. withdrawal of the payment to a voucher, withdrawal, or transfer to a voucher) that must be included in the account ledger provided in the ledger D / B 800 It is preferable to include at least one ledger information) to be provided for processing).

Referring to FIG. 8, the voucher virtual account interworking information provided through the information registration system illustrated in FIG. 7 may be stored in the form of additional information added to the account ledger. The voucher virtual account interworking information may be a voucher subject. And at least one information and voucher card information.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

9 is a voucher virtual account interworking information stored in a database linked to the ledger D / B 800 provided in the DBMS on the financial system in a face-to-face for financial transactions using the voucher virtual account according to another embodiment of the present invention It is a figure which shows a structure.

In more detail, FIG. 9 illustrates a case in which the storage medium 730 shown in FIG. 7 includes a predetermined database linked to the ledger D / B 800 provided in a DBMS on a financial system. The voucher in the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the virtual account interworking information. The information structure for one embodiment of the card information is stored in a linked manner, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. It is possible to infer a variety of information configuration methods for storing the voucher virtual account linkage information in association with the ledger D / B (800). The would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

Particularly, in FIG. 9, when it is not easy to store the voucher card information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (eg, the ledger D of the DBMS due to the policy of the financial institution). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the voucher card information is stored in a predetermined database instead of the ledger D / B 800, and It shows the implementation method of storing the database and the ledger D / B (800) in association.

In addition, the database shown in FIG. 9 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 9, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 9, the database is based on the voucher subject information included in the voucher virtual account interworking information, and the voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4. The voucher card information is linked and stored in a virtual account ledger corresponding to an account, wherein the voucher card information is stored in the ledger information in the voucher card information to be linked to the ledger D / B 800. It is preferable to further include a corresponding CIF number.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable that the information includes at least one or more period information.

FIG. 10 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

More specifically, in Figure 10, the storage medium 730 shown in Figure 7 is a predetermined banking provided on the Internet banking system, and / or tele-banking system, and / or wireless banking system, and / or TV banking system When provided in the DBMS provided in the server, based on the voucher subject information included in the voucher virtual account interworking information in the DBMS through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 An embodiment of the present invention relates to a method of linking and storing the voucher card information in a virtual account ledger corresponding to a voucher virtual account issued to a target person. To the voucher virtual account interworking information stored in a predetermined DBMS provided in at least one banking server by referring and / or transforming Would be able to infer the information configuration method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 10.

Referring to FIG. 10, a predetermined DBMS provided in the banking server may be configured to establish a voucher virtual account opening system shown in FIGS. 1 and / or 4 based on voucher subject information included in the voucher virtual account interworking information. The voucher card information is linked and stored in a virtual account ledger corresponding to a voucher virtual account issued to the voucher target through the card.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

11 illustrates a process of registering voucher virtual account interworking information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a case in which the information registration server 700 on the information registration system shown in FIG. 7 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. The voucher terminal accesses the information registration server 700 to connect a communication channel for information registration according to the present invention, and then the voucher subject information and voucher to the information registration server 700 through the communication channel. When the voucher virtual account interworking information including card information (for example, card information corresponding to a credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject by at least one card company) is transmitted, 1 and / or FIG. 1 based on the voucher subject information included in the voucher virtual account interworking information received from the information registration server 700. As an embodiment of the present invention, the voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIG. 4 and stored in a predetermined storage medium 730. In the technical field to which the present invention pertains, various embodiments of the present invention register and / or modify the voucher virtual account interworking information with the information registration server 700 by referring to and / or modifying the drawing 11. It can be inferred that, 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. 11, the window terminal shown in Fig. 7 is referred to as a "terminal" for convenience, and the information registration server 700 shown in Fig. 7 is referred to as a "server" for convenience, and the information is registered in the window terminal. The voucher subject information and the voucher card information transmitted to the server 700 are referred to as "voucher virtual account interworking information" for convenience.

Referring to FIG. 11, a window terminal shown in FIG. 7 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the voucher virtual account interworking information, and uses the voucher virtual account. When requesting registration of the voucher virtual account linkage information for a financial transaction (1100), the server generates (or extracts) a predetermined information registration interface for registering the voucher virtual account linkage information (1105), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal and output through the channel (1110).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information. Do.

Thereafter, the terminal inputs (or selects) voucher virtual account interworking information including at least one voucher subject information and voucher card information through the information registration interface (1115).

If the terminal receives (or selects) voucher virtual account interworking information including the voucher subject information and the voucher card information through the information registration interface (1120), the terminal inputs (or selects) the information through the financial network. The voucher virtual account interworking information including the voucher subject information and the voucher card information is transmitted to the server (1125).

Thereafter, the server receives and reads the voucher target information and the voucher card information through the financial network to check the validity of the voucher virtual account interworking information (1130).

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

If the validity of the voucher virtual account interworking information is not authenticated (1135), the server generates predetermined information registration error information and transmits it to the terminal (1140), and registers the information corresponding to the voucher virtual account interworking information. Do not perform the procedure.

On the other hand, if the validity of the voucher virtual account interworking information is authenticated (1135), the server performs an information registration procedure corresponding to the voucher virtual account interworking information, and thus, based on the voucher subject information, FIG. 1 and / or FIG. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIG. 4 and stored in the predetermined storage medium 730 (1145).

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1150), thereby completing the procedure of registering the voucher virtual account interworking information transmitted from the terminal.

12 is a diagram illustrating a non-face-to-face information registration system for financial transactions using a voucher virtual account according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates that a voucher virtual account is opened to a given voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4, and then the voucher subject via a predetermined information registration interface. Voucher subject information and voucher card information (for example, a credit card, a check card, a debit card, a cash card, issued by the at least one card company to the voucher subject for financial transactions using the voucher virtual account according to the present invention). If the voucher virtual account interlocking information including at least one card information corresponding to a prepaid card, etc. is provided, the information registration system is based on the voucher subject information included in the provided voucher virtual account interlocking information. Alternatively, through the voucher virtual account opening system shown in FIG. A system configuration for linking the voucher card information to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject and storing the voucher card information in a predetermined storage medium 730, which is common in the art. Those skilled in the art will be able to infer various implementation methods for configuring an information registration system for financial transactions using a voucher virtual account by referring to and / or modifying the drawing 12, but the present invention provides all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify the configuration of the information registration system shown in FIG. 12 and the voucher virtual account opening system shown in FIGS. 1 and / or 4 above. Voucher unique information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) to the voucher target information included in the virtual account opening application information during the voucher virtual account opening process through Is included, the voucher subject visits the financial institution window through the voucher certificate and / or voucher card (or via CD / ATM operated by the financial institution, or at least one non-face-to-face financial transaction channel). Non-face-to-face information for registering voucher passwords for processing at least one financial transaction Would be able to infer the system configuration, the present invention includes all embodiments in which the inference method, to which the technical feature of the present invention is not limited.

Or, if the person skilled in the art to which the invention belongs, refer to and / or modify the configuration of the information registration system shown in Figure 12, the voucher subject is the financial institution without a separate voucher certificate (or voucher card) Voucher unique codes (or unique numbers) and voucher passwords for processing at least one financial transaction by visiting the counter (or via a CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) It is possible to infer a non-face-to-face information registration system configuration for registering the present invention, but the present invention includes all the inferred implementation methods, whereby the technical features of the present invention are not limited.

Alternatively, a person having ordinary knowledge in the technical field to which the invention belongs may refer to and / or modify the configuration of the information registration system shown in FIG. 12 so that the voucher subject visits the financial institution window (or at the financial institution). It would be possible to infer a system configuration for issuing a predetermined voucher card for processing at least one or more financial transactions (via an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels) It includes all the method of implementation, whereby the technical features of the present invention is not limited.

Hereinafter, at least one means and / or functional configuration for storing the voucher virtual account interworking information provided from the customer on the storage medium 730 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 700 " for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, an information registration system for financial transactions using a voucher virtual account according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal including at least one or more thereof, wherein the information registration terminal is connected to a communication channel with an information registration server 700 provided on the information registration system through a predetermined network means. .

According to one embodiment of the present invention, the customer accesses the information registration server 700 through at least one or more client terminals of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, Inputting (or selecting) voucher virtual account interworking information for financial transactions using the voucher virtual account according to the present invention through at least one user interface provided by the information registration server 700, a predetermined network in the client terminal It is preferable to transmit to the information registration server 700 provided on the information registration system by means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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, and a Personal Communication System (PCS) and / or 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 comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the information registration server 700 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 700 is CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the information registration server 700, and inputs and / or selects at least one or more information through the user interface and transmits the information to the information registration server 700. 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 information registration server 700, 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 information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 700 and The wireless network performs a function of an information registration interface for the customer to register the voucher virtual account interworking information for the financial transaction using the voucher virtual account according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash). It further comprises a financial automation device (not shown) including a Dispenser (CD), and / or is connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or Voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown), and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the financial Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the organization may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information registration server 700 are provided. The financial network that connects the customer performs a function of an information registration interface for registering the voucher virtual account linked information for the financial transaction using the voucher virtual account according to the present invention, and / or the information registration terminal is the call In the case of a terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 700 may be provided by the customer according to the present invention. Performs a function of an information registration interface for registering the voucher virtual account interworking information for financial transactions using the virtual account, and / or the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a lock terminal, the terminal (and / or server) (not shown) and the terminal (and / or server) ( The network connecting the information registration server 700 performs a function of an information registration interface for the customer to register the voucher virtual account interworking information for the financial transaction using the voucher virtual account according to the present invention.

The storage medium 730 provided on the information registration system according to the present invention is based on the voucher subject information included in the voucher virtual account interworking information provided from the information registration terminal. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the illustrated voucher virtual account opening system and stored in a predetermined storage medium 730.

Here, the voucher subject information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by a predetermined welfare fund operation institution ( Or poor) and / or voucher personal information (e.g., voucher payee's name, social security number, address, phone number, mobile phone number, e-mail address) for creditors, low income, homeless persons, etc. Etc., and a voucher certificate or voucher included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. Unique information (e.g., the serial number included in the voucher certificate (or Unique number), or a card number included in the voucher card).

The voucher card information may include at least one card company information, a card number, an expiration date information, etc. corresponding to a credit card, a check card, a debit card, a cash card, a prepaid card, etc. issued to the voucher subject by at least one card company. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 700 is connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the outside world of the financial system through the internet banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the Internet banking server (and / or the server (or device)). Or / or a program provided to the external world on the financial system, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 700 is on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 700 is located on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited The.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 700 is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal 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 705 is the wired network. And / or at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in 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 transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 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 communication program (eg, an internet banking program) provided by the information registration server 700, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and 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 information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 705 may be configured to be connected to the financial automation device 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 financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 705 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 705 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. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 700, the interface unit 705 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 705 connects to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 705 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 705 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for the system.

Referring to FIG. 12, when the predetermined information registration terminal accesses the information registration server 700 through the interface unit 705, the information registration server 700 cooperates with the interface unit 705 to provide the information. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined voucher virtual account interworking information to the registration terminal, and providing the information registration terminal to the information registration terminal; An information receiver 715 for receiving predetermined voucher virtual account interworking information input (or selected) and transmitted from the information registration terminal through the user interface in association with 705; and included in the received voucher virtual account interworking information. The voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the received voucher subject information And an information storage unit 725 configured to link the voucher card information to a virtual account ledger corresponding to the voucher virtual account issued to the user and store the same in the predetermined storage medium 730.

The interface providing unit 710 connects the voucher virtual account in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705. Generate a predetermined user interface capable of inputting (or selecting) information and transmitting it to the information registration server 700 via the network means, and / or extract from a predetermined database (not shown), and the interface unit In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information based on the user interface, and the input (or select) the voucher virtual account. The interworking information is transmitted to the information registration server 700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 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 710 is the client. Generating (or extracting) a predetermined user interface provided by a browser program and / or a communication program provided in the terminal, and providing the generated (or extracted) user interface to the client terminal through the interface unit 705. It is preferable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 710 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 710 is connected to the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 705. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

When the information receiving unit 715 inputs (or selects) voucher virtual account interworking information including at least one of voucher subject information and voucher card information through the user interface, the information registration terminal 715 transmits the information through the network means. The voucher virtual account interworking information is received in cooperation with the interface unit 705, and the received voucher virtual account interworking information is provided to the validity checker 720.

The validity verification unit 720 is characterized in that whether the voucher virtual account interworking information received from the information registration terminal satisfies the validity for financial transactions using the voucher virtual account.

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

When the validity of the voucher virtual account interworking information is confirmed, the information storage unit 725 is based on the voucher subject information included in the voucher virtual account interlocking information, and the voucher virtual account shown in FIGS. 1 and / or 4 is shown. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through an open system and stored in the storage medium 730, and the storage medium 730 stores the voucher card information. When provided in the information registration server 700 or provided on the network associated with the information registration server 700, the information storage unit 725 receives the voucher subject information included in the received voucher virtual account linkage information. Voucher issued to the voucher subject through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 based on Preferably, the voucher card information is linked to a virtual account ledger corresponding to an account and stored in the storage medium 730. When the storage medium 730 is provided in a DBMS provided on a financial system, the information is stored. The storage unit 725 is a voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the received voucher virtual account interworking information. Preferably, the voucher card information is provided to the virtual account ledger corresponding to the information system through an external system on the financial system and stored in the DBMS provided on the financial system.

Figure 13 illustrates the configuration of the voucher virtual account interworking information stored in the ledger D / B 800 provided in the DBMS on the financial system in a non-face-to-face for financial transactions using the voucher virtual account in accordance with an embodiment of the present invention Drawing.

In more detail, in FIG. 13, when the storage medium 730 illustrated in FIG. 12 is the ledger D / B 800 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 800 is used. The virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. An information structure for an embodiment of the present invention for cooperatively processing and storing the voucher card information is illustrated. If a person of ordinary skill in the art belongs to the present invention, referring to and / or modifying FIG. Although it is possible to infer various information configuration methods for storing the voucher virtual account interworking information in / B (800), the present invention includes all the inferred implementation method, It shall not be limited to the exemplary method shown in figure 13.

Referring to FIG. 13 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the name of the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 may include: The ledger corresponding to the welfare fund management account is processed in connection with the ledger D / B 800 on the financial system, characterized in that the account ledger corresponding to the welfare fund management account is the welfare fund management institution ( For example, it is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the Ministry of Health and Welfare and / or each local government.

Here, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, a contact ID, a branch number, a customer classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Location, Account number, president, type of business, legal representative, first transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger corresponding to the welfare fund management account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transaction transactions, interest rate account, It includes account ledger information including at least one final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. Periodic reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including the above, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No. Transaction information including at least one bank account line, summary, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the welfare fund management account, the virtual account ledger information is provided on the financial system and the parent account information associated with the virtual account At least one financial transaction (e.g. withdrawal of the payment to a voucher, withdrawal, or transfer to a voucher) that must be included in the account ledger provided in the ledger D / B 800 It is preferable to include at least one ledger information) to be provided for processing).

Referring to FIG. 13, the voucher virtual account interworking information provided through the information registration system shown in FIG. 12 is stored in a form of additional information added to the account ledger. The voucher virtual account interworking information is stored in the voucher object And at least one information and voucher card information.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

14 is a voucher virtual account interworking information stored in a database linked to the ledger D / B 800 provided in the DBMS on the financial system in a non-face-to-face for financial transactions using the voucher virtual account according to another embodiment of the present invention It is a figure which shows a structure.

More specifically, FIG. 14 illustrates a case in which the storage medium 730 shown in FIG. 12 includes a predetermined database linked to the ledger D / B 800 included in a DBMS on a financial system. The virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. FIG. 14 illustrates an information structure for an embodiment of a method of linking and storing voucher card information. Those skilled in the art to which the present invention pertains may refer to FIG. 14 and / or modify it to a predetermined database. It can be inferred from the various information configuration methods for storing the voucher virtual account linkage information in association with the ledger D / B (800) Would be, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

In particular, in FIG. 14, it is not easy to store the voucher card information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the voucher card information is stored in a predetermined database instead of the ledger D / B 800, and The implementation method of storing a database and the ledger D / B 800 in a coordinated manner is illustrated.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 14, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 14, the database is a voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. The voucher card information is linked and stored in a virtual account ledger corresponding to an account, wherein the voucher card information is stored in the ledger information in the voucher card information to be linked to the ledger D / B 800. It is preferable to further include a corresponding CIF number.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

FIG. 15 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions using a voucher virtual account according to another embodiment of the present invention.

More specifically, in Figure 15, the storage medium 730 shown in Figure 12 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. When provided in the DBMS provided in the server, based on the voucher subject information included in the voucher virtual account interworking information in the DBMS through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 An embodiment of the present invention relates to a method of linking and storing the voucher card information in a virtual account ledger corresponding to a voucher virtual account issued to a target person. To the voucher virtual account interworking information stored in a predetermined DBMS provided in at least one banking server by referring and / or transforming It will be possible to infer a method for organizing information about the present invention, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 15, a predetermined DBMS provided in the banking server is based on the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. The voucher card information is linked and stored in a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

16 is a diagram illustrating a process of registering the voucher virtual account interworking information in a non-face-to-face manner for financial transactions using the voucher virtual account according to an embodiment of the present invention.

In more detail, in FIG. 16, when the information registration server 700 on the information registration system shown in FIG. 12 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to an information registration server 700 and connecting a communication channel for information registration according to the present invention, the voucher subject information and the voucher card information (eg, at least one) to the information registration server 700 through the communication channel. When the card company transmits the voucher virtual account interworking information including credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject, the information registration server 700 1 and / or FIG. 4 based on the voucher subject information included in the received voucher virtual account interworking information. An embodiment of the present invention relates to an embodiment of a method of storing the voucher card information in a predetermined storage medium 730 by linking the voucher card information to a virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the illustrated voucher virtual account opening system. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for registering the voucher virtual account interworking information from the client terminal to the information registration server 700. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 12 is called "server" for convenience, and the information registration is performed in the client terminal. The voucher subject information and the voucher card information transmitted to the server 700 are referred to as "voucher virtual account interworking information" for convenience.

Referring to Figure 16, the client terminal shown in Figure 12 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the voucher virtual account interworking information by connecting to the server via a communication network, and / or an IEEE 802.16x based portable Internet, etc., and the voucher for financial transactions using the voucher virtual account. When requesting to register virtual account linkage information (1600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the voucher virtual account linkage information (1605) and through the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (1610).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information. Do.

In addition, the web page transmission and / or output process is preferably performed at least once according to the voucher virtual account interworking information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) voucher virtual account interworking information including at least one or more voucher subject information and voucher card information through the information registration interface (1615).

If the terminal receives (or selects) voucher virtual account interworking information including the voucher subject information and the voucher card information through the information registration interface (1620), the terminal inputs (or selects) the communication channel through the communication channel. The voucher box information and the voucher card information are transmitted to the server (1625).

According to an embodiment of the present invention, transmitting the voucher subject information and the voucher card information inputted through the communication channel to the server may include a voucher virtual account inputted through the information registration interface. The electronic signature and / or encryption through the security module provided in the terminal may be further transmitted to the server.

Thereafter, the server receives and reads the voucher target information and the voucher card information through the communication channel to confirm the validity of the voucher virtual account interworking information (1630).

According to an embodiment of the present invention, verifying the validity of the voucher virtual account interworking information, when the voucher virtual account interworking information is electronically signed and / or encrypted through a security module provided in the terminal, the voucher virtual And decrypting the account linkage information and / or the voucher virtual account linkage information.

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system linked with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher target information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the virtual account opening system.

If the validity of the voucher virtual account interworking information is not authenticated (1635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640). The voucher virtual account interworking information is performed. Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the voucher virtual account interlocking information is authenticated (1635), the server performs an information registration procedure corresponding to the voucher virtual account interlocking information, and thus the figure 1 and / or the figure based on the voucher subject information. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIG. 4 and stored in the predetermined storage medium 730 (1645).

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1650), thereby completing the procedure of registering the voucher virtual account interworking information transmitted from the terminal.

17A and 17B illustrate a process of registering voucher virtual account interworking information in a non-face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B illustrate a case in which the information registration system shown in FIG. 12 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal transmits the predetermined voucher virtual account interworking information for the financial transaction using the voucher virtual account to the Internet banking server. Voucher virtual account interworking information including voucher subject information and voucher card information (for example, card information corresponding to a credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject by at least one card company) When sending, the received voucher is added from the information registration server 700 The voucher card in the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the upper account linked information. An embodiment of the present invention relates to a method of linking and storing information in a predetermined storage medium 730. Those skilled in the art may refer to and / or modify the drawings 17a and 17b. Although various implementation methods for registering the voucher virtual account interworking information from the client terminal to the information registration server 700 may be inferred, the present invention includes all the inferred implementation methods, as shown in FIGS. 17A and 17B. It is not limited to the implementation method shown.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 17A and 17B. Based on the implementation method for connecting the Internet banking-based financial transaction channel for registering the voucher virtual account interworking information between the client terminal and the Internet banking server, if the person of ordinary skill in the art Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17A and 17B, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. Eva Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a virtual account linked information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 17a and 17b, a telebanking system And / or a method of connecting a non-face-to-face channel based financial transaction channel for registering voucher virtual account interworking information in another banking system such as a wireless banking system and / or a TV banking system, the present invention can be inferred. A banking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system, which is proposed in the future, includes all kinds of non-face-to-channel based financial transactions, and the technical configuration of the present invention is shown in FIG. It is by no means limited to the case of Internet banking shown in FIG. 17B.

17A and 17B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 700 is referred to as " server " for convenience.

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), wherein a communication channel is generated (or extracted) by a request of a browser program provided to the client terminal in the server and transmitted to the client terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1710a).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be installed and / or updated in the terminal (1715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1730a), where the security for Internet banking A channel is attached to a predetermined electronic signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel to decode the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm, and the terminal may provide the server to register the voucher virtual account interworking information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined electronic signature to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also for registering the voucher virtual account interworking information in the terminal. Attach certain electronic signatures to information (or data) to be provided by Is encrypted with at least one encryption method (and / or encryption algorithm) and transmitted, the server verifies the digital signature and / or a predetermined decryption method (and / or encryption algorithm) corresponding to the encryption method (and / or encryption algorithm). / Or decryption algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1735a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1760a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined voucher virtual account interworking information for financial transactions using a voucher virtual account from the terminal to the server.

Subsequently, when the terminal requests registration of the Internet banking-based voucher virtual account interworking information to the server through the inter-banking-based financial transaction channel to register the voucher virtual account interworking information (1700b), the server interlocks the voucher virtual account. A web page corresponding to a predetermined information registration interface for information registration is generated (or extracted) (1705b), and the web page generated (or extracted) is transmitted to the terminal through the internet banking-based financial transaction channel for output. (1710b).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) voucher virtual account interworking information including at least one of voucher subject information and voucher card information. And / or a predetermined password (eg, an account password, etc.) and / or security code (e.g., to confirm the validity of the Internet banking customer requesting registration of the voucher virtual account interworking information and / or the voucher virtual account interworking information. , OTP authentication provided to the customer by a financial institution, such as a security code printed on a security card issued to the customer during the internet banking application process and / or one time password (eg, after the internet banking application process (or after the internet banking application)). Interface (or one-time password generated by the OTP authentication program) Further include a switch is preferred.

In addition, the web page transmission and / or output process is preferably performed at least once according to the voucher virtual account interworking information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information through the information registration interface (1715b).

If the terminal inputs (or selects) voucher virtual account interworking information including the voucher subject information and the voucher card information through the information registration interface (1720b), the terminal inputs the input (or The selected voucher virtual account interworking information is transmitted to the server (1725b).

According to the exemplary embodiment of the present invention, transmitting the voucher virtual account interworking information input (or selected) through the financial transaction channel to the server may include interlocking the voucher virtual account input (or selecting) through the information registration interface. And transmitting the information to the server by digitally signing and / or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the voucher virtual account interworking information through the financial transaction channel to check the validity of the voucher virtual account interlocking information (1730b).

According to an embodiment of the present invention, verifying the validity of the voucher virtual account interworking information, when the voucher virtual account interworking information is electronically signed and / or encrypted through a security module provided in the terminal, the voucher virtual And decrypting the account linkage information and / or the voucher virtual account linkage information.

In addition, the verification of the validity of the voucher virtual account interworking information, preferably further comprises authenticating the password and / or security code and / or OTP included in the voucher virtual account interlocking information.

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

If the validity of the voucher virtual account interworking information is not authenticated (1735b), the server generates a web page including a predetermined voucher virtual account interworking information registration error information and transmits it to the terminal (1740b). The information registration procedure corresponding to the virtual account interworking information is not performed.

On the other hand, if the validity of the voucher virtual account interlocking information is authenticated (1735b), the server performs an information registration procedure corresponding to the voucher virtual account interlocking information, thereby based on the voucher subject information included in the voucher virtual account interlocking information. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 to a predetermined storage medium 730. (1745b).

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined voucher virtual account interlocking information registration history information and transmits it to the terminal (1750b), thereby completing the registration of the voucher virtual account interlocking information transmitted from the terminal.

18 is a diagram illustrating a configuration of a voucher program providing system for downloading and remotely mounting a voucher program for a wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates the opening of a voucher virtual account shown in FIGS. 1 and / or 4 from a predetermined server provided on a wireless communication network to which the customer wireless terminal is connected (or communicatively connected) to the customer wireless terminal. Download and remotely mount a predetermined voucher program for wireless financial transaction using the voucher virtual account established through the system, and store the predetermined voucher program by linking and processing the voucher program information and the predetermined wireless terminal information mounted on the customer wireless terminal. The present invention relates to a system for providing a voucher program stored in the medium 1835. Those skilled in the art to which the present invention pertains may refer to the present invention and / or modify the voucher virtual account with the customer wireless terminal. Various downloadable remotely by downloading a predetermined voucher program for wireless financial transaction using Exemplary method would be able to infer, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 18.

Hereinafter, in FIG. 18, a server for downloading and remotely mounting the voucher program for the wireless financial transaction using the voucher virtual account to the customer wireless terminal is referred to as a "program providing server 1800".

Referring to FIG. 18 according to an embodiment of the present invention, the voucher program providing system connects to the program providing server 1800 through a predetermined wireless communication network to provide a predetermined voucher program for a wireless financial transaction using the voucher virtual account. The customer wireless terminal which downloads and records the data on a predetermined recording medium, and is connected to the customer wireless terminal through a predetermined wireless communication network, provides a predetermined voucher program for wireless financial transactions using the voucher virtual account to the customer wireless terminal. The program providing server 1800 is made.

The customer wireless terminal is a mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a DataTAC / Mobitex based wireless And at least one wireless terminal including at least one wireless data communication terminal connected to a data communication network, wherein the customer wireless terminal comprises at least one interface screen provided by the program providing server 1800. A function configuration (for example, a browser) for outputting, inputting and / or selecting predetermined customer information and wireless terminal information for downloading and remotely loading the voucher program through the interface screen and transmitting the selected program information to the program providing server 1800. Program and communication functions) Is recommended.

According to one embodiment of the invention, the customer wireless terminal is not equipped with at least one financial IC chip, or closed financial IC chip is preferably mounted, in this case the customer wireless terminal is the program The wireless terminal information transmitted to the providing server 1800 is preferably transmitted including information including that no open financial IC chip is mounted on the wireless terminal, and the program providing server 1800 corresponds to the financial information. It is desirable to transmit and mount a VM (Virtual Machine) based voucher program that provides wireless financial transactions using a voucher virtual account without an IC chip to the customer wireless terminal.

According to another exemplary embodiment of the present invention, the customer wireless terminal is preferably equipped with at least one open financial IC chip, in which case the customer wireless terminal transmits the wireless terminal information to the program providing server 1800. It is preferable to transmit the open financial IC chip information mounted in the wireless terminal in the transmission, and correspondingly, the program providing server 1800 stores the voucher virtual account information to be recorded in the financial IC chip and the financial IC chip. The IC chip-based voucher program for providing a wireless financial transaction using the voucher virtual account based on the voucher virtual account storage information recorded in the transfer to the customer wireless terminal is preferably mounted.

According to an embodiment of the present invention, the wireless communication network comprises at least one of the CDMA-based mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or DataTAC / Mobitex-based wireless data communication network. It is preferable.

According to the present invention, the program providing server 1800 is an interface for connecting and managing a predetermined communication channel with the customer wireless terminal through the wireless communication network, in order to provide a web interface corresponding to the wireless communication network with the customer wireless terminal. The program providing server 1800 has a function of a web server that communicates with the customer wireless terminal through a wired network and / or a wireless network.

According to an embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 1805 may connect to the customer wireless terminal and a WAP (Wireless Application Protocol) and / or the like. Or a predetermined communication channel based on a ME (Mobile Explorer) protocol, and an interface screen and / or information providing screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the customer wireless terminal through the communication channel. It is preferable to perform the function of transmitting and outputting the data, and receiving and processing predetermined customer information and wireless terminal information corresponding to the interface screen from the customer wireless terminal.

According to another exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 1805 may be connected to the customer wireless terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmit and output a predetermined interface screen and / or information providing screen to the customer wireless terminal through the communication channel, and output the interface screen from the customer wireless terminal. It is preferable to perform a function of receiving and processing predetermined customer information and wireless terminal information corresponding to the case, and / or when the customer wireless terminal is a wireless terminal to which a communication channel is connected through a DataTAC / Mobitex based wireless network, The interface unit 1805 is a wireless program corresponding to the customer wireless terminal and the DataTAC / Mobitex standard. A predetermined communication channel is connected based on a call, a predetermined interface screen and / or an information providing screen are transmitted to the customer wireless terminal through the communication channel, and outputted. The predetermined communication screen corresponds to the interface screen from the customer wireless terminal. It is preferable to perform a function of receiving and processing the customer information and the wireless terminal information of.

According to the present invention, the program providing server 1800 is connected to the interface unit 1805 when a predetermined customer wireless terminal is connected to the program providing server 1800 through the interface unit 1805, the customer wireless And an interface providing unit 1810 for generating (or extracting) a predetermined interface screen for transmitting (or selecting) and transmitting predetermined customer information and wireless terminal information from the terminal.

The interface providing unit 1810 is provided with a functional configuration (for example, a customer wireless terminal) provided in the customer wireless terminal when a predetermined customer wireless terminal is connected to the program providing server 1800 through the interface unit 1805. A predetermined interface screen capable of inputting (or selecting) predetermined customer information and wireless terminal information to be transmitted to the program providing server 1800 through the wireless communication network, and / or Extract from a database (not shown), and provide the generated (or extracted) interface screen to the customer wireless terminal through the wireless communication network in conjunction with the interface unit 1805.

Thereafter, the customer wireless terminal inputs (or selects) predetermined customer information and wireless terminal information based on the interface screen, and transmits the input (or selected) customer information and wireless terminal information through the wireless communication network. It transmits to the providing server 1800.

According to the present invention, the program providing server 1800 may include a voucher program D / B for storing at least one voucher program source and / or voucher program file to be provided to the customer wireless terminal, and the customer information from the customer wireless terminal. And when wireless terminal information is received, in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 in the ledger D / B 800 on the financial system based on the customer information. A virtual account confirming unit 1815 for checking whether a predetermined voucher virtual account is opened and a voucher virtual account under the customer's name, the predetermined voucher corresponding to the customer information and wireless terminal information from the voucher program D / B. Extract and / or dynamically generate a voucher program to be sent to the customer wireless terminal through the interface unit 1805. By comprising a program providing unit 1820, which is characterized in that formed.

According to an exemplary embodiment of the present invention, the voucher program D / B stores a predetermined voucher program file that can operate in an operating system (and / or a terminal platform) provided in the customer wireless terminal. When the customer information and the wireless terminal information is received from a customer wireless terminal, the virtual account confirmation unit 1815 is based on the customer information to the ledger D / B 800 on the financial system based on the drawings 1 and / or Through the voucher virtual account opening system shown in 4, it is determined whether a predetermined voucher virtual account opened under the customer name is opened. When the voucher virtual account under the customer name is confirmed, the program providing unit 1820 performs the voucher. A predetermined voucher program file matching the customer information and the wireless terminal information is extracted from the program D / B.

According to another exemplary embodiment of the present invention, the voucher program D / B stores a predetermined voucher program source capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal. When the customer information and the wireless terminal information is received from the customer wireless terminal, the virtual account identification unit 1815 is based on the customer information to the ledger D / B 800 on the financial system based on the Figure 1 and And / or confirm that a predetermined voucher virtual account opened under the customer name is opened through the voucher virtual account opening system shown in FIG. 4, and if the voucher virtual account under the customer name is confirmed, the program providing unit 1820 Extracts a predetermined voucher program source matching the customer information and wireless terminal information from the voucher program D / B, and extracts the Compile (Compile) a program source to a predetermined program to provide a voucher to the customer wireless terminal characterized in that the dynamically generated.

The voucher program extracted by the program providing unit 1820 from the voucher program D / B and / or by compiling the voucher program source extracted from the voucher program D / B is dynamically generated through the voucher virtual account. It includes a voucher program for providing a VM-based wireless financial transaction, or at least one voucher program for providing an IC chip-based wireless financial transaction through the voucher virtual account.

According to an exemplary embodiment of the present invention, when at least one financial IC chip is not mounted on the customer wireless terminal or a closed financial IC chip is mounted, the program providing unit 1820 may execute the voucher program D /. Voucher program for VM-based wireless financial transaction by extracting voucher program for VM-based wireless financial transaction from B, and / or compiling voucher program source for VM-based wireless financial transaction extracted from voucher program D / B It is desirable to dynamically generate.

According to another exemplary embodiment of the present invention, when at least one open financial IC chip is mounted in the customer wireless terminal, the program providing unit 1820 may perform IC chip based wireless financial transaction from the voucher program D / B. It is desirable to dynamically generate a voucher program for IC chip based wireless financial transactions by extracting a voucher program and / or compiling a voucher program source for IC chip based wireless financial transactions extracted from the voucher program D / B.

Thereafter, the program providing unit 1820 provides the extracted (and / or dynamically generated) voucher program in association with the interface unit 1805 to the customer wireless terminal through the wireless communication network to remotely mount the program.

According to an exemplary embodiment of the present invention, when at least one financial IC chip is not mounted on the customer wireless terminal or a closed financial IC chip is mounted, the program providing unit 1820 may include the interface unit 1805. The voucher program for the VM-based wireless financial transaction, which is extracted (or dynamically generated), is provided to the customer wireless terminal through the wireless communication network to be remotely mounted.

According to another exemplary embodiment of the present invention, when at least one open financial IC chip is mounted in the customer wireless terminal, the program providing unit 1820 is provided from the ledger D / B 800 provided on the financial system. Extract the predetermined voucher virtual account information to be recorded in the open financial IC chip provided in the customer wireless terminal, and in connection with the interface unit 1805 for the extracted (or dynamically generated) for the IC chip-based wireless financial transaction A voucher program and the extracted voucher virtual account information are provided to the customer wireless terminal through the wireless communication network for remote mounting, and the voucher virtual account information is remotely recorded on the financial IC chip provided in the customer wireless terminal.

According to the exemplary embodiment of the present invention, the program providing unit 1820 provides the extracted (or dynamically generated) voucher program to the customer wireless terminal in association with the interface unit 1805, and provides the voucher virtual account. It is preferable that the wireless terminal further comprises a predetermined one-time password (OTP) generation program for non-face-to-face financial transaction authentication for the wireless financial transaction.

Those skilled in the art to which the present invention pertains may include a method of remotely mounting the voucher program (eg, a method of remotely mounting the voucher program to a customer wireless terminal with a program provider certificate) and the voucher virtual account. Since you will be familiar with the method of remote recording (eg, post-issuance method of a card application) on an open financial IC chip provided in the terminal, a detailed description thereof will be omitted.

When the voucher program is downloaded and remotely mounted to the customer wireless terminal as described above, the customer wireless terminal initiates the voucher program diagnosis mode for authenticating the validity of the voucher program by first executing the voucher program. The program providing server 1800 may include a diagnosis unit 1825 for diagnosing the validity of the voucher program in cooperation with the voucher program provided in the customer wireless terminal.

According to an embodiment of the present invention, the voucher program diagnosis mode may be configured to determine whether a voucher program provided in the customer wireless terminal can process at least one or more wireless financial transactions such as the voucher virtual account inquiry, transfer, and payment processing. It comprises at least one.

For example, in the voucher program diagnosis mode, a virtual voucher virtual account inquiry, a transfer, a payment processing, etc. are performed through a voucher program provided in the customer wireless terminal, and the virtual voucher virtual account inquiry, a transfer, a payment processing is performed. It is included to check whether the operation is valid.

According to the present invention, the program providing server 1800 is an information storage unit for processing the voucher program information and the predetermined wireless terminal information downloaded and remotely mounted to the customer wireless terminal and stored in a predetermined storage medium 1835 It is characterized by comprising (1830).

According to an exemplary embodiment of the present invention, when the validity of the voucher program is confirmed by the diagnosis unit 1825, the information storage unit 1830 may download the voucher program information and the remotely mounted voucher program information to the customer wireless terminal. The wireless terminal information identified from the customer information and the wireless terminal information may be cooperatively processed and stored in a predetermined storage medium 1835 in a cooperative process.

According to an embodiment of the present invention, the customer opens a financial account corresponding to a predetermined real account on the financial system, and at least one non-face-to-face financial transaction service corresponding to the financial account (eg, internet banking, Or wireless banking, or tele-banking, or home banking, or TV banking, etc.), the information storage unit 1830 may be connected to the financial system for at least one or more non-face-to-face financial transactions for the non-face-to-face financial transactions. Preferably, the transaction authentication information (for example, the security card information using the security card or the OTP code through a predetermined OTP generator) can be set to be used for the wireless financial transaction using the voucher virtual account.

19 is a diagram illustrating a process of downloading and remotely mounting a voucher program for a wireless financial transaction using the voucher virtual account according to an embodiment of the present invention.

In more detail, FIG. 19 downloads a predetermined voucher program for a wireless financial transaction using the voucher virtual account from the program providing server 1800 to the customer wireless terminal through the system of providing the voucher program shown in FIG. 18. As a person having ordinary knowledge in the technical field to which the present invention pertains, referring to and / or modifying the present invention, a wireless banking transaction using the voucher virtual account with the customer wireless terminal is provided. Various implementation methods for downloading and remotely mounting a predetermined voucher program may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

In FIG. 19, the customer wireless terminal shown in FIG. 18 is referred to as "terminal" for convenience, and the program providing server 1800 shown in FIG. 18 is referred to as "server" for convenience.

Referring to FIG. 19, when the terminal accesses the server through a predetermined wireless communication network and requests the server to download and remotely mount a predetermined voucher program for a wireless financial transaction using the voucher virtual account (1900). In response, the server extracts (or generates) predetermined customer information and a wireless terminal information input interface screen for providing the voucher program to the customer wireless terminal (1905).

According to one embodiment of the invention, the terminal is not equipped with at least one or more financial IC chip, or closed financial IC chip is preferably mounted, in this case, the terminal is the program providing server 1800 It is preferable to transmit the wireless terminal information including information including the information that the open financial IC chip is not mounted on the wireless terminal.

According to another exemplary embodiment of the present invention, it is preferable that the terminal is equipped with at least one open financial IC chip, in which case the terminal transmits the wireless terminal information to the wireless terminal information transmitted to the program providing server 1800. It is desirable to include the open financial IC chip information mounted on the device.

Subsequently, the terminal inputs (and / or selects) predetermined customer information and wireless terminal information (1910) through the customer information and wireless terminal information input interface screen, and the entered (and / or selected) customer information and The wireless terminal information is transmitted to the server through the wireless communication network (1915), and correspondingly, the server connects with the financial system to the voucher virtual account shown in FIGS. 1 and / or 4 through the customer information. It is checked whether a voucher virtual account under the name of the customer is opened through the opening system (1920).

If the voucher virtual account under the customer's name is not opened in the ledger D / B 800 on the financial system (1925), the server generates predetermined voucher virtual account error information to the terminal through the wireless communication network. In operation 1930, the process of downloading a predetermined voucher program for wireless financial transaction using the voucher virtual account to the terminal and remotely mounting it is completed.

On the other hand, if it is confirmed in the ledger D / B (800) on the financial system that the voucher virtual account of the customer name is opened (1925), the server obtains a voucher program matching the wireless terminal information from the voucher program D / B Extract (and / or dynamically generate) 1935.

According to an exemplary embodiment of the present invention, when the terminal is not equipped with at least one financial IC chip or a closed financial IC chip, the server is a VM-based wireless financial transaction from the voucher program D / B It is preferable to dynamically generate a voucher program for the VM-based wireless financial transaction by extracting a voucher program for and / or compiling the voucher program source for the VM-based wireless financial transaction extracted from the voucher program D / B. .

According to another exemplary embodiment of the present invention, when the terminal is equipped with at least one open financial IC chip, the server extracts a voucher program for an IC chip-based wireless financial transaction from the voucher program D / B, and It is preferable to dynamically generate a voucher program for the IC chip-based wireless financial transaction by compiling the voucher program source for the IC chip-based wireless financial transaction extracted from the voucher program D / B.

Thereafter, the server remotely mounts the extracted (and / or dynamically generated) voucher program to the terminal through the wireless communication network (1940).

According to an embodiment of the present invention, when the terminal is not equipped with at least one financial IC chip or a closed financial IC chip, the server is connected to the interface unit 1805 to extract the ( Alternatively, the voucher program for the dynamically generated VM-based wireless financial transaction is provided to the terminal through the wireless communication network and remotely mounted.

According to another embodiment of the present invention, when the terminal is equipped with at least one open financial IC chip, the server is provided in the terminal from the ledger D / B 800 provided on the financial system. Extract the predetermined voucher virtual account information to be recorded on the financial IC chip, and in conjunction with the interface unit 1805, the extracted (or dynamically generated) voucher program for the IC chip-based wireless financial transaction and the extracted voucher virtual The account information is provided to the terminal through the wireless communication network to be remotely mounted, and the voucher virtual account information is remotely recorded on the financial IC chip provided in the terminal.

According to an embodiment of the present invention, the server provides the extracted (or dynamically generated) voucher program to the customer wireless terminal in association with the interface unit 1805, and performs wireless financial transactions using the voucher virtual account. It is preferable to further comprise a predetermined one-time password (OTP) generation program for the non-face-to-face financial transaction authentication provided to the customer wireless terminal and mounted remotely.

If the voucher program is normally remotely mounted in the terminal (1945), the terminal executes the voucher program to initiate a diagnostic mode for the voucher program (1950), and correspondingly, the terminal receives the voucher program through the voucher program. Generates validity diagnosis information and transmits the validity diagnosis information to the server through the wireless communication network (1955), and the server receives and reads the received validity diagnosis information to confirm the validity of the voucher program (1960).

According to an exemplary embodiment of the present invention, the voucher program diagnosis mode may be configured to determine whether a voucher program provided in the terminal may process at least one or more wireless financial transactions such as the voucher virtual account inquiry, transfer, and payment processing. It comprises at least one.

For example, in the voucher program diagnosis mode, a virtual voucher virtual account inquiry, a transfer, a payment process, etc. are performed through a voucher program provided in the terminal, and the performed virtual voucher virtual account inquiry, a transfer, a payment process is effective. To make sure it works.

If the validity of the voucher program is not confirmed (1965), the server generates predetermined voucher program diagnostic error information and transmits it to the terminal through the wireless communication network (1970). Provide a wireless terminal information interface screen to receive predetermined customer information and wireless terminal information, and extract (and / or dynamically generate) a predetermined voucher program corresponding to the received customer information and wireless terminal information to remotely the terminal. Repeat the mounting process.

On the other hand, if the validity of the voucher program is confirmed (1965), the server stores the information on the predetermined storage medium 1835 by linking the voucher program information mounted on the terminal and the predetermined wireless terminal information (1975).

According to an embodiment of the present invention, the customer opens a financial account corresponding to a predetermined real account on the financial system, and at least one non-face-to-face financial transaction service corresponding to the financial account (eg, internet banking, Or wireless banking, telebanking, home banking, or TV banking, etc., the server may be connected with the financial system to provide at least one or more non-face-to-face financial transaction authentication information (e.g., , Secure card information using a security card, or an OTP code through a predetermined OTP generator) may be set to be used for wireless financial transactions using the voucher virtual account.

20 is a diagram illustrating the configuration of a wireless banking system for a VM-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates a voucher program for providing a VM-based wireless financial transaction when a voucher program for providing a VM-based wireless financial transaction is provided to the customer wireless terminal through the voucher program providing system shown in FIG. 18. Through a wireless banking system for providing a VM-based wireless banking service for the wireless financial transaction using the voucher virtual account, if you have a general knowledge in the technical field to which the present invention pertains, see FIG. Alternatively, the present invention may infer various implementation methods for configuring a VM-based wireless banking system for a wireless financial transaction using the voucher virtual account, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited to the implemented method.

Referring to FIG. 20 according to an embodiment of the present invention, a wireless banking system for a wireless financial transaction using the voucher virtual account includes at least a voucher program for providing a VM-based wireless banking service through a predetermined wireless communication network. A wireless banking server 2000 that provides a VM-based wireless banking service in connection with one or more wireless terminals and a voucher program included in the wireless terminal through a predetermined wireless communication network, and a predetermined interface with the wireless banking server 2000. It comprises a financial system connected through means.

The wireless terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on the IEEE 802.16x standard, and / or a wireless terminal operating based on the IEEE 802.11x standard. Characterized in that it comprises at least one of the LAN terminal, characterized in that the wireless terminal is provided with a voucher program for providing a wireless banking service for wireless financial transactions using the voucher virtual account.

Here, a preferred embodiment of the wireless terminal function configuration provided with the voucher program will be described in detail with reference to FIG.

According to an embodiment of the present invention, when the wireless terminal is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal is connected may include the CDMA stack-based mobile communication network. The mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another embodiment of the present invention, when the wireless terminal is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.16x based portable Internet.

According to another exemplary embodiment of the present invention, when the wireless terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.11x based wireless LAN.

According to the present invention, the voucher program provided in the wireless terminal uses a wireless communication function provided in the wireless terminal to connect a wireless communication network to which the wireless terminal is connected to a predetermined wireless banking server 2000 for VM-based wireless banking. Characterized in that for connecting a communication channel for transmitting the predetermined wireless banking request information to the wireless banking server 2000 through the communication channel, the wireless banking server receiving the wireless banking request information The reference numeral 2000 may refer to at least one or more wireless banking information included in the wireless banking request information and perform a ledger-based financial transaction procedure corresponding to the wireless banking request information in association with a predetermined financial system.

The wireless banking request information may include voucher virtual account information corresponding to a voucher virtual account opened on the financial system in response to the wireless terminal owning customer, wherein the voucher virtual account information is the voucher virtual account. It comprises at least one voucher virtual account number for.

In addition, the wireless banking request information preferably comprises a financial transaction amount information input through a predetermined key input means provided in the wireless terminal, wherein the financial transaction amount information is the amount withdrawn from the voucher virtual account And / or at least one or more of an amount deposited into the voucher virtual account, and may be omitted (eg, an account inquiry transaction) according to the financial transaction type, and thus the present invention is not limited thereto. .

The wireless banking request information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless terminal, wherein the wireless banking authentication information corresponds to the voucher virtual account. Account password, and / or financial transaction password (e.g., account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking request information, and / or security code (e.g., a security card issued to a customer). Printed security code, and / or at least two or more security code combinations).

The wireless banking request information may further include financial transaction code information for identifying (or identifying) a financial transaction type requested from the wireless terminal to the wireless banking server 2000.

In addition, the wireless banking request information includes at least one or more deposit account information (for example, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / Or virtual account information (for example, when a financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount of money to a virtual account, etc.). It is preferable.

According to the present invention, the wireless banking server 2000 provides a communication channel for providing a VM-based wireless banking service for a wireless financial transaction using the voucher program and the voucher virtual account provided in the wireless terminal through the wireless communication network. Characterized in that it comprises an interface unit 2005 for connecting and managing.

According to an embodiment of the present invention, a communication channel connected between the voucher program provided in the wireless terminal and the wireless banking server 2000 by the interface unit 2005 is the voucher program and the wireless banking server 2000. It is preferable to include a data communication channel for transmitting and receiving at least one or more financial transaction data (eg, wireless banking request information, or wireless banking result information, etc.) through the financial transaction communication protocol defined therebetween.

According to an embodiment of the present invention, at least one financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one encryption method, and for this purpose, a voucher program and / or The wireless banking server 2000 is preferably provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted from the voucher program provided to the wireless terminal through the communication channel to the wireless banking server 2000 is preferably attached to the electronic signature of the customer of the wireless terminal, for this purpose The provided voucher program is provided with an electronic signature attachment function for the financial transaction data, the wireless banking server 2000 is preferably provided with an electronic signature confirmation function for the financial transaction data.

Referring to FIG. 20, the wireless banking server 2000 reads at least one wireless banking request information from the wireless terminal through the interface unit 2005 and the wireless banking request information. A banking processor extracting at least one financial transaction related information and performing a financial transaction procedure corresponding to the financial transaction request information in connection with a predetermined financial system based on the financial transaction related information; And an information transmitter 2020 for generating wireless banking result information processed by the banking processor 2015 in connection with the interface unit 2005 and providing the generated wireless banking result information to the wireless terminal. It is characterized by further comprising.

The information receiving unit 2010 is the voucher program is driven in the wireless terminal, at least one or more wireless banking request information for wireless financial transactions using the voucher virtual account through the voucher program is input (or generated) When the data is transmitted through a communication network, the wireless banking request information transmitted from the wireless terminal is received through the interface unit 2005.

According to an embodiment of the present invention, the wireless banking request information may include at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method in the voucher program). And / or a key exchange encryption scheme, etc.), the information receiving unit 2010 further includes a function of decrypting the encrypted wireless banking request information with a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make.

When at least one wireless banking request information for a wireless financial transaction using the voucher virtual account is received (or received and decoded) through the information receiver 2010, the banking processor 2015 may be configured to read the wireless banking request information from the wireless banking request information. And extracting at least one financial transaction related information for a wireless financial transaction using a voucher virtual account.

According to the exemplary embodiment of the present invention, the financial transaction related information extracted from the wireless banking request information basically includes financial transaction code information, voucher virtual account information, and wireless banking authentication information. When the financial transaction type corresponding to the information is a financial transaction including at least one cash movement, the financial transaction related information extracted from the wireless banking request information may further include financial transaction amount information.

In addition, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the financial transaction related information extracted from the wireless banking request information may include at least one deposit account information (for example, a transfer amount of the bank transfer). And a financial transaction type corresponding to the financial transaction code information, if the financial transaction type corresponds to a transaction for transferring a predetermined amount to a virtual account, and is extracted from the wireless banking request information. The financial transaction related information may further include at least one or more virtual account information (eg, a virtual account number to which the amount is transferred).

When at least one financial transaction related information is extracted from the wireless banking request information, the banking processing unit 2015 performs a predetermined financing through a predetermined interface means (eg, an interface connecting the wireless banking server 2000 and the financial system). A predetermined financial transaction for a wireless financial transaction using the voucher virtual account based on the extracted financial transaction related information in association with a system (eg, a financial system in which a voucher virtual account corresponding to the voucher virtual account information is opened). It is characterized by performing a procedure.

The financial system is a general term for a financial computer system in which a voucher virtual account corresponding to the voucher virtual account information is opened. Referring to FIG. 20, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on an account, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); At least one external communication network, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., For example, access to the financial system from Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., and / or various ones through at least one common network (eg, CD common network, financial common network). And an external system that provides a financial transaction interface, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and an internal component of the financial system. DBMS (DataBase Management System) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in an element. It is characterized by comprising a).

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 an embodiment of the present invention, the DBMS provided in the financial system may be configured by the 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. And a ledger D / B 800 for storing at least one ledger for providing, wherein the ledger D / B 800 includes at least one financial institution to be provided to the financial transaction customer by the financial institution. At least one or more ledger information (eg, customer ledger, ledger, collateral ledger, etc.) for transaction processing, and at least one corresponding to each ledger information (eg, to further refine and / or supplement the attributes / functions of each ledger) The ledger additional information is characterized in that it is stored in association with the relationship.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 800 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. 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.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, wireless banking using the voucher virtual account based on at least one or more financial transaction-related information for the wireless financial transaction using the voucher virtual account in the financial system. Since you will be familiar with an embodiment of performing a financial transaction procedure for a transaction, a detailed description thereof will be omitted for convenience.

When the banking processing unit 2015 completes a financial transaction procedure for a wireless financial transaction using the voucher virtual account in connection with the financial system, the information transmission unit 2020 performs a predetermined financial transaction corresponding to the financial transaction procedure. The wireless banking result information including the details is generated, and the generated wireless banking result information in connection with the interface unit 2005 is transmitted to the wireless terminal through the wireless communication network.

According to an embodiment of the present invention, the financial transaction details include financial transaction approval details for a financial transaction procedure for a wireless financial transaction using the voucher virtual account, or at least one financial transaction error occurred during the financial transaction procedure. It is preferable to include the details.

Here, the financial transaction details are processed through a welfare fund management account opened in the name of a welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) linked to the voucher virtual account. It is preferable to include the ledger record information including the information.

The wireless terminal receiving the wireless banking result information from the wireless banking server 2000 through the wireless communication network reads the financial transaction details included in the received wireless banking result information through the voucher program, and reads the read. The financial transaction history information (for example, financial transaction approval history information or financial transaction error history information) is output to the screen output means provided in the wireless terminal.

FIG. 21 is a diagram illustrating a functional configuration of a wireless terminal 2100 for VM-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

More specifically, FIG. 21 shows that the wireless terminal 2100 on the wireless banking system shown in FIG. 20 includes a voucher program for a predetermined VM-based wireless financial transaction through the voucher program providing system shown in FIG. A method of performing a function of a VM-based wireless payment means for a wireless financial transaction using the voucher virtual account, wherein the voucher program for the VM-based wireless financial transaction is carried out in a code division multiple access (CDMA) stack based mobile communication network. In the case of the mobile communication terminal to be connected, the preferred functional configuration of the mobile communication terminal for performing the VM-based wireless banking function.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 21 to modify other wireless terminals 2100 (eg, portable) for wireless financial transactions using the voucher virtual account in addition to the mobile communication terminal. It is possible to easily infer the functional configuration of the Internet terminal, or a wireless LAN terminal, etc., but the present invention includes all the inferred implementation methods, and the wireless terminal 2100 is a mobile communication terminal shown in FIG. It is by no means limited to.

In terms of hardware, the wireless terminal 2100 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery, and the like. (Code Division Multiple Access) A predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) and various memories incorporating functions such as a modem, CPU / MPU (Central Processing Unit / Micro Processing Unit), vocoder, etc. Device, a duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high power transmission signal from returning in reverse RF / IF SAW filter to remove out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and VCTC corresponding to reference clock source It includes a Voltage Controlled Temperature Compensated X-tal Oscillator (XO), a UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 21, a wireless terminal 2100 for a wireless financial transaction using the voucher virtual account is basically a controller 2105, a screen output unit 2110, a sound processor 2115, a key input unit 2120, and a wireless terminal. A camera 2165 having a processing unit 2130, a short range communication unit 2135, a memory unit 2170, and a battery 2125 for supplying power, and mounted or detached from the wireless terminal 2100 according to a method of implementation; It further comprises a functional configuration including a camera unit 2160 for reading predetermined image information from the camera 2165.

The control unit 2105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 2100 from a predetermined memory device. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, a wireless terminal 2100 for wireless financial transactions using a voucher virtual account). A predetermined program routine recorded on the recording medium of the present invention is provided in the controller 2105 for convenience. As described above, various functions to be implemented in the wireless terminal 2100 are realized by the controller 2105, and the overall operation of the wireless terminal 2100 is realized to realize the above functions. It characterized in that to control and manage. In particular, when power is input to the wireless terminal 2100 to perform a function of the control unit 2105 for controlling and managing the overall operation of the wireless terminal 2100, an operating system routine and a system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 2110 is a liquid crystal display (LCD) driver for outputting a screen, and a key input unit 2120 by the control unit 2105 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (eg, an LCD panel), and the screen output unit 2110 is connected to a screen output device (LCD) to perform a wireless banking procedure. It is desirable to perform a function of an information output unit that outputs predetermined information required in the process of performing the same.

The sound processor 2115 encodes a predetermined sound signal input from a microphone included in the wireless terminal 2100 and provides the sound signal to the controller 2105 or extracted and / or generated by the controller 2105. A sound signal is decoded and output through a speaker. For this purpose, the sound processor 2115 includes a predetermined vocoder and a codec. Performs a function of a sound input means provided in the wireless terminal 2100 through the sound processing unit 2115 and a microphone, or outputs a sound provided in the wireless terminal 2100 through the sound processing unit 2115 and a speaker. Perform the function of the means.

The key input unit 2120 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 2100 controlled by the controller 2105. When predetermined information (or signal) is inputted from the controller, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 2105. The control unit 2105 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 2100 (for example, each non-existence). Read the key data from the key table in a key table that stores (manages) at least one key data corresponding to a specific key event in an input terminal and / or an operation mode, and / or the key event. A command for executing a predetermined function that is matched and defined is read. The keypad including the key input unit 2120 and at least one key button interlocks with each other to perform a function of a key input unit provided in the wireless terminal 2100.

The wireless processor 2130 may register location and / or slot mode and / or power control in conjunction with the controller 2105 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 2130 processes the information or signal transmitted from the wireless terminal 2100 to the base station to provide a mobile communication service to a CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 2100 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 2130 and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless banking server 2000 provided on the mobile communication network and / or a predetermined communication network interworking with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 2100 of FIG. 21 is a portable Internet terminal and / or a wireless LAN terminal, the wireless processing unit 2130 uses a voucher virtual account by accessing the portable internet and / or wireless LAN. And a functional configuration for providing a predetermined data communication service for a wireless financial transaction.

The short range communication unit 2135 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 2100 connects a wireless section connecting a predetermined short range device 2140 and a predetermined short range wireless communication session through the short range communication unit 2135, and the short range device It is preferable to connect a predetermined communication channel with a wireless banking server 2000 provided on a predetermined communication network through a wired section including a predetermined network to which the 2140 is connected.

The memory unit 2170 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 2100 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal 2100 and information or data therefor. The EEPROM stores at least one information and / or data extracted and / or generated during the execution of an application included in the terminal registration parameters and phone number (eg, address book) or the wireless terminal 2100. Stored.

According to a preferred embodiment of the present invention, the memory unit 2170 preferably stores a voucher program code for providing a VM-based wireless banking function for a wireless financial transaction using the voucher virtual account. It is executed to perform the function of the voucher banking unit 2175 shown in the control unit 2105.

According to an embodiment of the present invention, the memory unit 2170 is a voucher virtual account corresponding to the voucher virtual account used by the voucher program in the process of providing a VM-based wireless banking function for wireless financial transactions using the voucher virtual account. Preferably, the voucher virtual account information is automatically input to the wireless banking request information while the voucher program provides the VM-based wireless banking function.

According to another exemplary embodiment of the present invention, when the voucher virtual account information is input through the key input means, the memory unit 2170 may not store the voucher virtual account information. It is not limited.

According to another exemplary embodiment of the present invention, the memory unit 2170 may include at least one encryption function (eg, secret key (or symmetric key) based encryption, and / or public key based encryption) in the voucher program. Or an encryption key for performing electronic envelope based encryption, and / or key exchange based encryption, and / or at least one decryption function (secret (or symmetric)) based decryption, and / or public key based decryption, And / or decryption key for performing electronic envelope based decryption, and / or key exchange based decryption function), by which the present invention is not limited.

The camera unit 2160 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 2105. Characterized in that.

Referring to FIG. 21, the wireless terminal 2100 includes a voucher banking unit 2175 corresponding to a voucher program function for a VM-based wireless financial transaction mounted through the voucher program providing system shown in FIG. 20. The voucher banking unit 2175 may generate wireless banking request information including wireless banking authentication information and financial transaction information for processing a wireless financial transaction using the voucher virtual account.

The wireless banking authentication information may include an account password corresponding to the voucher virtual account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information, and / or security. A code (eg, a security code printed on a security card issued to a customer, and / or at least two or more security codes), and / or at least one or more OTP codes generated through a predetermined OTP generator (or generator). It is preferable to make it.

Those skilled in the art to which the present invention pertains, the voucher banking unit 2175 will be familiar with the various implementation methods for generating the wireless banking request information according to each financial system and VM-based wireless banking protocol defined. Since it will be, a detailed description thereof will be omitted for convenience.

When the wireless banking request information is generated as described above, the voucher banking unit 2175 preferably performs an encryption function on the generated wireless banking request information, and the encryption function is secret key (or symmetric key) based encryption. And / or at least one of public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the voucher banking unit ( 2175, the function of encrypting the wireless banking request information may be omitted, thereby the present invention is not limited.

22A and 22B illustrate a VM-based wireless financial transaction process using a voucher virtual account according to an embodiment of the present invention.

22a and 22b show in detail that the wireless terminal 2100 shown in FIG. 21 opens the voucher virtual account shown in FIGS. 1 and / or 4 through the VM-based wireless banking system shown in FIG. The process of processing a VM-based wireless financial transaction through the voucher virtual account opened in the name of the customer through the system, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure 22a and 22b And / or may be modified to infer various implementation methods for the VM-based wireless financial transaction process using the voucher virtual account, but the present invention includes all the inferred implementation methods, as shown in FIGS. 22a and 22b. It is not limited to the implemented method.

22A and 22B, the wireless terminal 2100 illustrated in FIG. 21 uses the voucher program providing system illustrated in FIG. 18 for a VM-based wireless financial transaction using the voucher virtual account. The voucher program provided in 2100 is driven (2200).

If the voucher program is driven (2205), the wireless terminal 2100 connects to the wireless banking server 2000 through the voucher program and performs the VM-based wireless financial transaction using the voucher virtual account. And / or request the voucher virtual account information opened under the name of the customer through the voucher virtual account opening system shown in FIG. 4 (2210), and correspondingly, the wireless banking server 2000 connects with the financial system. The voucher virtual account information opened under the customer name is extracted through the voucher virtual account opening system shown in FIGS. 1 and / or 4 and transmitted to the wireless terminal 2100 (2215).

According to another exemplary embodiment of the present invention, when the voucher virtual account information is stored in the wireless terminal 2100 through the voucher program providing system illustrated in FIG. 18, the wireless banking server 2000 in the wireless terminal 2100. The process of requesting and receiving the voucher virtual account information may be omitted, and the present invention is not limited thereto.

Thereafter, the wireless terminal 2100 inputs (or selects) at least one or more financial transaction information including voucher virtual account information through the voucher program (2220).

According to an embodiment of the present invention, if the VM-based wireless financial transaction using the voucher virtual account is an account inquiry, the financial transaction information includes an account password corresponding to the voucher virtual account.

According to another exemplary embodiment of the present invention, if the VM-based wireless financial transaction using the voucher virtual account is a bank transfer, the financial transaction information may include an account password, an account transfer amount, and the account transfer amount corresponding to the voucher virtual account. It includes information on deposit account and deposit bank information.

Those skilled in the art will be familiar with each financial transaction information input (or selected) according to the type of VM-based wireless financial transaction using the voucher virtual account. Description is omitted for convenience.

If at least one financial transaction information including voucher virtual account information is input (or selected) through the voucher program (2225), the wireless terminal 2100 is non-face-to-face using the voucher virtual account through the voucher program. Input at least one wireless banking authentication information for authenticating a financial transaction (2230).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the voucher virtual account and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information. And / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or generated via a predetermined OTP generator (or generator). It is preferable to include at least one OTP code.

If at least one wireless banking authentication information for authenticating a non-face-to-face financial transaction using the voucher virtual account is input (2235), the wireless terminal 2100 receives the voucher virtual account information and the input through the voucher program. The wireless banking request information including the at least one selected financial transaction information and the wireless banking authentication information is generated (2240).

As those skilled in the art to which the present invention pertains, the wireless banking unit will be familiar with various implementation methods for generating the wireless banking request information according to each financial system and a defined VM-based wireless banking protocol. Detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 2100 performs an encryption function for the wireless banking request information (2245), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or It is preferable to include at least one or more of electronic envelope-based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, when the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit The function of encrypting the wireless banking request information may be omitted, and the present invention is not limited thereto.

If encryption of the wireless banking request information is completed (2250), the wireless terminal 2100 transmits the wireless banking request information to the wireless banking server 2000 through a wireless communication network connected to the wireless terminal 2100. Transmit (2255).

Upon receiving the wireless banking request information, the wireless banking server 2000 performs a decryption function on the encrypted wireless banking request information (2260), and the decryption function is secret key (or symmetric key) based decryption, and / or And at least one of public key based decryption, electronic envelope based decryption, and / or key exchange based decryption.

According to another embodiment of the present invention, when the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit The function of encrypting the wireless banking request information may be omitted, and the present invention is not limited thereto.

If the decryption of the wireless banking request information is completed (2265), the wireless banking server 2000 is linked with a financial system in which a voucher virtual account corresponding to the voucher virtual account information included in the wireless banking request information is opened. In operation 2270, a wireless financial transaction procedure using the voucher virtual account corresponding to the wireless banking request information is performed.

According to an exemplary embodiment of the present invention, a wireless financial transaction using the voucher virtual account is a financial transaction (eg, a withdrawal transaction, a wire transfer transaction, a utility bill payment, a direct payment, etc.) withdrawing a predetermined amount from the voucher virtual account. In this case, the transaction amount is preferably withdrawn from the welfare fund management account opened in the name of the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) corresponding to the mother account associated with the voucher virtual account.

According to another exemplary embodiment of the present invention, when the wireless financial transaction using the voucher virtual account is a financial transaction (for example, a deposit transaction or a wire transfer transaction) in which a predetermined amount is deposited into the voucher virtual account, the transaction amount The funds are preferably deposited in a welfare fund management account opened in the name of a welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) corresponding to the parent account associated with the voucher virtual account.

If the wireless financial transaction using the voucher virtual account corresponding to the wireless banking request information is completed (2275), the wireless banking server 2000 is linked with the financial system, the wireless banking result information corresponding to the wireless banking request information In operation 2280, the wireless banking result information is transmitted to the wireless terminal 2100 through the wireless communication network (2285).

FIG. 23 is a diagram illustrating the configuration of a wireless banking system for an IC chip-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

In more detail, FIG. 23 illustrates that the IC chip-based wireless financial transaction is provided when the voucher program is provided to provide the IC chip-based wireless financial transaction to the customer wireless terminal 2100 through the voucher program providing system shown in FIG. For a wireless banking system that provides an IC chip-based wireless banking service for wireless financial transactions using the voucher virtual account through a voucher program that provides a, if you have ordinary knowledge in the technical field to which the present invention belongs, Various implementation methods for the IC chip-based wireless banking system configuration for wireless financial transactions using the voucher virtual account may be inferred by referring to and / or modifying FIG. 23, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 23 according to an embodiment of the present invention, a wireless banking system for a wireless banking transaction using the voucher virtual account includes a predetermined financial IC chip and a predetermined wireless banking service using the financial IC chip. Receive IC chip-based wireless banking processing information in association with a voucher program provided in the wireless terminal 2100 and at least one or more wireless terminals 2100 provided with a voucher program to provide, and receiving the received It comprises a wireless banking server 2000 for storing the stored wireless banking processing information in a predetermined financial system through a predetermined interface means, and the financial system connected to the wireless banking server 2000 through a predetermined interface means. It features.

The wireless terminal 2100 is a mobile communication terminal operating based on a code division multiple access (CDMA) stack, and / or a portable internet terminal operating based on an IEEE 802.16x standard, and / or based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the operating wireless LAN terminal, wherein the wireless terminal 2100 is provided with a voucher program for providing a wireless banking service for wireless financial transactions using the voucher virtual account It features.

Here, a preferred embodiment of the function configuration of the wireless terminal 2100 equipped with the voucher program will be described in detail with reference to FIG.

According to an embodiment of the present invention, when the wireless terminal 2100 is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal 2100 is connected may include the CDMA stack-based mobile communication network. According to the intention of the person skilled in the art, the mobile communication network may further include a HSDPA (High Speed Downlink Packet Access) communication standard, whereby the present invention is not limited.

According to another embodiment of the present invention, when the wireless terminal 2100 is a portable Internet terminal based on IEEE 802.16x, the wireless communication network to which the wireless terminal 2100 is connected comprises the portable Internet based on IEEE 802.16x. It is preferable.

According to another exemplary embodiment of the present invention, when the wireless terminal 2100 is an IEEE 802.11x based wireless LAN, the wireless communication network to which the wireless terminal 2100 is connected includes the IEEE 802.11x based wireless LAN. It is preferable.

According to the present invention, the voucher program provided in the wireless terminal 2100 performs an IC chip-based wireless banking procedure using the financial IC chip provided in the wireless terminal 2100 and is provided in the wireless terminal 2100. Connects a communication channel with a predetermined wireless banking server 2000 to a wireless communication network to which the wireless terminal 2100 is connected using a wireless communication function, and based on the IC chip to the wireless banking server 2000 through the communication channel. And transmitting the wireless banking processing information corresponding to the wireless banking procedure, wherein the wireless banking server 2000 receiving the wireless banking processing information corresponds to at least one financial transaction history included in the wireless banking processing information. It is characterized in that the predetermined financial transaction processing information is recorded in the ledger provided in the predetermined financial system to synchronize the ledger with the financial IC chip.

The wireless banking processing information may include voucher virtual account information included in the financial IC chip provided in the wireless terminal 2100, wherein the voucher virtual account information is a voucher virtual account for the voucher virtual account. It comprises at least one or more numbers.

The wireless banking processing information may include financial transaction processing information corresponding to the financial transaction details corresponding to the IC chip-based wireless banking, wherein the financial transaction details include financial transaction date and time information and financial transaction amount information. , Financial transaction code information, balance information, transaction account information, and the like.

Particularly, the financial transaction amount information in the financial transaction details may include at least one or more of an amount withdrawn from the voucher virtual account and / or an amount deposited into the voucher virtual account, and the transaction account information At least one or more deposit account information (e.g., when the financial transaction type corresponding to the financial transaction code information corresponds to a wire transfer transaction, a deposit account number to which the transfer amount is transferred, etc.) and / or virtual account information (e.g., the When the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to the virtual account, the financial transaction code information may further include a virtual account number to which the amount is transferred.

The wireless banking processing information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless terminal 2100, wherein the wireless banking authentication information is the voucher virtual. Account password corresponding to the account, and / or financial transaction password (e.g., account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking processing information, and / or security code (e.g., security card issued to the customer) At least one or more security codes, and / or at least two or more security codes printed thereon).

According to the present invention, the wireless banking server 2000 provides an IC chip-based wireless banking service for wireless financial transactions using the voucher virtual account from the voucher program provided in the wireless terminal 2100 through the wireless communication network. And an interface unit 2005 for connecting and managing a communication channel.

According to the exemplary embodiment of the present invention, a communication channel connected between the voucher program provided in the wireless terminal 2100 and the wireless banking server 2000 by the interface unit 2005 is the voucher program and the wireless banking server. And a data communication channel for transmitting and receiving at least one financial transaction synchronization data (eg, wireless banking processing information, or ledger recording result information, etc.) through the financial transaction communication protocol defined between 2000. .

According to an embodiment of the present invention, at least one financial transaction synchronization data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one or more encryption schemes, and for this purpose, a voucher provided in the wireless terminal 2100. The program and / or the wireless banking server 2000 is preferably provided with an encryption / decryption function for the financial transaction synchronization data.

In addition, the financial transaction synchronization data transmitted from the voucher program provided to the wireless terminal 2100 through the communication channel to the wireless banking server 2000 is preferably attached to the electronic signature of the customer of the wireless terminal 2100. To this end, the voucher program provided in the wireless terminal 2100 is provided with a digital signature attachment function for the financial transaction synchronization data, the wireless banking server 2000 has a digital signature confirmation function for the financial transaction synchronization data It is preferred to be provided.

Referring to FIG. 23, the wireless banking server 2000 may include an information receiver 2010 that receives at least one wireless banking processing information from the wireless terminal 2100 through the interface unit 2005, and a predetermined financial system. An information storage unit 2025 for recording the financial transaction details included in the received wireless banking processing information in a ledger provided on the financial system, and the information storage unit in conjunction with the interface unit 2005. And an information transmission unit 2020 for generating the ledger recording result information on the financial transaction history recorded in the ledger provided in the financial system in 2025 and providing the result to the wireless terminal 2100. .

After the voucher program is driven in the wireless terminal 2100, the voucher program performs a wireless banking procedure for a wireless financial transaction using the voucher virtual account through the financial IC chip provided in the wireless terminal 2100. When the at least one wireless banking process information corresponding to the wireless banking procedure is generated and transmitted through the wireless communication network, the information receiver 2010 is transmitted from the wireless terminal 2100 through the interface unit 2005. And receiving the wireless banking processing information.

According to an embodiment of the present invention, the wireless banking processing information may include at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method in the voucher program). And / or a key exchange encryption scheme, etc.), the information receiver 2010 further includes a function of decrypting the encrypted wireless banking process information using a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make.

When at least one wireless banking processing information for wireless financial transaction using the voucher virtual account is received (or received and decoded) through the information receiving unit 2010, the information storage unit 2025 receives the wireless banking processing information from the wireless banking processing information. And extracting financial transaction processing information corresponding to at least one or more financial transaction details for a wireless financial transaction using the voucher virtual account.

According to an embodiment of the present invention, the financial transaction history extracted from the wireless banking processing information includes at least one financial transaction date and time information, financial transaction amount information, financial transaction code information, balance information, transaction account information, and the like. It is preferable.

Particularly, the financial transaction amount information in the financial transaction details may include at least one or more of the amount withdrawn from the voucher virtual account and / or the amount deposited into the voucher virtual account. Is at least one deposit account information (e.g., if the financial transaction type corresponding to the financial transaction code information corresponds to a wire transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / or virtual account information (e.g., When the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to a virtual account, the financial transaction code information may further include a virtual account number to which the amount is transferred.

When financial transaction processing information corresponding to at least one financial transaction history is extracted from the wireless banking processing information, the information storage unit 2025 connects a predetermined interface means (eg, the wireless banking server 2000 and the financial system). And store financial transaction processing information corresponding to the extracted financial transaction details in a ledger on a predetermined financial system (eg, a financial system in which a voucher virtual account is opened corresponding to the voucher virtual account information). It is done.

The financial system is a general term for a financial computer system in which a voucher virtual account corresponding to the voucher virtual account information is opened. Referring to FIG. 23, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on an account, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); To an information system that processes headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., Internet, banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) access to the financial system, and / or various ones through at least one common network (eg, CD common network, financial common network). And an external system that provides a financial transaction interface, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and an internal component of the financial system. DBMS (DataBase Management System) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in an element. It is characterized by comprising a).

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 an embodiment of the present invention, the DBMS provided in the financial system may be configured by the 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. And a ledger D / B 800 for storing at least one ledger for providing, wherein the ledger D / B 800 includes at least one for the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for the above-described financial transaction processing, and corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) At least one ledger additional information is characterized in that 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 800 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. 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.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, by storing the financial transaction processing information corresponding to the financial transaction history in the ledger provided on the financial system, provided in the wireless terminal 2100 Since you will be familiar with various embodiments of synchronizing the financial IC chip and the ledger on the financial system, a detailed description thereof will be omitted for convenience.

When the information storage unit 2025 stores the financial transaction processing information corresponding to the financial transaction details in the ledger on the financial system, the information transmission unit 2020 stores the financial transaction processing information in the ledger on the financial system. It generates a ledger recording result information corresponding to one, and transmits the generated ledger recording result information to the wireless terminal 2100 through the wireless communication network in conjunction with the interface unit (2005).

Here, the ledger record result information may be obtained through a welfare fund management account in which a financial transaction using the voucher virtual account is opened in the name of a welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) associated with the voucher virtual account. It is preferable to include the ledger record information including the processing.

The wireless terminal 2100 that has received the ledger recording result information from the wireless banking server 2000 through the wireless communication network is configured to receive the financial transaction synchronization result included in the received ledger recording result information through the voucher program. Outputs to the screen output means provided in the wireless terminal 2100.

FIG. 24 is a diagram illustrating a functional configuration of a wireless terminal 2400 for an IC chip-based wireless financial transaction using a voucher virtual account according to an embodiment of the present invention.

More specifically, FIG. 24 shows that the wireless terminal 2400 on the wireless banking system shown in FIG. 23 includes a voucher program for a predetermined IC chip-based wireless financial transaction through the voucher program providing system shown in FIG. And an implementation method of performing an IC chip-based wireless payment means for a wireless financial transaction using the voucher virtual account, wherein the voucher program for the IC chip-based wireless financial transaction is based on a code division multiple access (CDMA) stack. In the case of a mobile communication terminal connected to a mobile communication network, the present invention relates to a preferred functional configuration of a mobile communication terminal for performing the IC chip-based wireless banking function.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to modify other wireless terminals 2400 (eg, portable) for wireless financial transactions using the voucher virtual account in addition to the mobile communication terminal. It is possible to easily infer the functional configuration of the Internet terminal, or a wireless LAN terminal, etc., but the present invention includes all the inferred implementation methods, and the wireless terminal 2400 is a mobile communication terminal shown in FIG. It is by no means limited to.

In terms of hardware, the wireless terminal 2400 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 2125, and the like. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal RF / IF SAW filter to remove the unwanted out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and reference clock source. VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 24, a wireless terminal 2400 for a wireless financial transaction using the voucher virtual account is basically a controller 2405, a screen output unit 2410, a sound processor 2415, a key input unit 2420, and a wireless terminal. A processor 2430, a short-range communication unit 2435, a memory unit 2470, and a battery 2425 for power supply. The processor 2430, a short-range communication unit 2435, and a battery 2425 for power supply are provided. The financial IC chip 2455 to be mounted or detached, the IC chip reader 2450 to interface with the financial IC chip 2455, and the camera 2465 and the camera mounted or detached to the wireless terminal 2400. It further comprises a functional configuration including a camera unit 2460 for reading out predetermined image information from the 2465.

The control unit 2405 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 2400 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term for program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, the wireless terminal 2400 for wireless financial transactions using a voucher virtual account). A predetermined program routine recorded on the recording medium of the present invention is provided in the controller 2405 for convenience. As described above, various functions to be implemented in the wireless terminal 2400 are realized by the controller 2405, and the overall operation of the wireless terminal 2400 is realized to realize the above functions. It characterized in that to control and manage. In particular, when power is input to the wireless terminal 2400 to perform a function of the controller 2405 for controlling and managing the overall operation of the wireless terminal 2400, an operating system routine and a system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 2410 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 2420 by the control unit 2405 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt; Or multimedia content) to a predetermined screen output device (eg, an LCD panel). The screen output unit 2410 performs a wireless banking procedure by interlocking a screen output device (LCD). It is desirable to perform the function of the information output unit for outputting the predetermined information required in the process of doing.

The sound processor 2415 encodes a predetermined sound signal input from a microphone included in the wireless terminal 2400 and provides the sound signal to the controller 2405 or extracted and / or generated by the controller 2405. A sound signal is decoded and output through a speaker. To this end, the sound processor 2415 is provided with a predetermined vocoder and a codec. The sound processing unit 2415 and the microphone performs the function of the sound input means provided in the wireless terminal 2400, or the sound processing unit 2415 and the sound provided in the wireless terminal 2400 through the speaker Perform the function of the output means.

The key input unit 2420 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 2400 controlled by the controller 2405. When predetermined information (or signal) is inputted from the controller, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 2405. The control unit 2405 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 2400 (eg, for each non-existence). Reads key data from the key table from a key table storing (managing) at least one key data corresponding to a specific key event in an input mode and / or an operation mode of the terminal 2400, and / or matches the key event And read a command to execute a defined function. The keypad including the key input unit 2420 and at least one key button interlocks with each other to perform a function of a key input unit provided in the wireless terminal 2400.

The wireless processor 2430 may register a location and / or a slot mode and / or a power control in conjunction with the controller 2405 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 2430 processes the information or signal transmitted from the wireless terminal 2400 to the base station in a CDMA stack or provides predetermined information from the CDMA stack received from the base station to provide the mobile communication service. Or it provides a function for reading the signal.

According to an embodiment of the present invention, the wireless terminal 2400 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 2430, and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless banking server 2000 provided on the mobile communication network and / or a predetermined communication network interworking with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 2400 of FIG. 24 is a portable Internet terminal and / or a wireless LAN terminal, the wireless processing unit 2430 uses a voucher virtual account by accessing the portable Internet and / or wireless LAN. And a functional configuration for providing a predetermined data communication service for a wireless financial transaction.

The short-range communication unit 2435 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 2400 connects a wireless section connecting a predetermined short range device 2440 and a predetermined short range wireless communication session through the short range communication unit 2435 and the short range device. It is preferable to connect a predetermined communication channel with a wireless banking server 2000 provided on a predetermined communication network through a wired section including a predetermined network to which the 2440 is connected.

The memory unit 2470 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 2400 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal 2400 and information or data therefor. The EEPROM stores at least one information and / or data extracted and / or generated during the execution of an application included in the terminal registration parameters and a phone number (for example, an address book) or the wireless terminal 2400. Stored.

According to a preferred embodiment of the present invention, it is preferable that the memory unit 2470 stores a voucher program code for providing a wireless IC based on the financial IC chip 2455 for a wireless financial transaction using the voucher virtual account. The voucher program code is executed to perform a function of the voucher banking unit 2485 shown in the control unit 2405.

According to an exemplary embodiment of the present invention, the memory unit 2470 may include a voucher program in a voucher virtual account that is used in the process of providing a financial IC chip 2455 based wireless banking function for a wireless financial transaction using the voucher virtual account. Preferably, the corresponding voucher stores the account information, whereby the voucher virtual account information is automatically input to the wireless banking processing information while the voucher program provides the financial IC chip 2455 based wireless banking function. do.

According to another exemplary embodiment of the present invention, when the voucher virtual account information is input through the key input means, the memory unit 2470 may not store the voucher virtual account information. It is not limited.

The IC chip reader unit 2450 may be configured with IC chip related functions provided in the wireless terminal 2400 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (for example, the wireless terminal 2400). IC chip agent program provided at) and the financial IC chip 2455 mounted or detached from the wireless terminal 2400 to exchange information and / or data. For example, the IC chip reader unit 2450 provides information and / or data exchange between the IC chip agent program and the financial IC chip 2455 through an application protocol data unit (APDU).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the financial IC chip 2455 mounted or detached from the customer wireless terminal may include a power supply (VCC), a reset signal (RST), and a clock signal. Communicating with the IC chip reader 2450 (e.g., command or data exchange, etc.) via contact points such as (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O). A processor unit comprising an input / output interface, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor (Coprocessor), etc., a read only memory (ROM), a RAM ( It consists of a memory consisting of at least one memory device including a random access memory (EEPROM), electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM), and the like, in particular at least one memory device (e.g., ROM) in the IC card A chip operating system (COS) for managing and operating resources is stored. When a predetermined power is supplied from the IC chip reader 2450 through a power supply (VCC) contact point of the input / output interface, the memory is stored in the memory. The stored COS is loaded into a predetermined execution memory to control the overall operation of the financial IC chip 2455, and is based on an APDU (Application Protocol) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. Data unit) controls the exchange of information or data between the financial IC chip 2455 and the IC chip reader 2450.

According to the present invention, the IC chip storage information for the wireless financial transaction using the voucher virtual account is stored in the memory of the financial IC chip 2455, wherein the IC chip storage information is a processor provided in the customer wireless terminal. It is driven or executed by a data storage unit for storing a data set corresponding to predetermined information or data that is read and / or used by the data storage unit, and an arithmetic function of the processor unit and an instruction set provided by the COS. A program routine used by the processor included in the customer wireless terminal (eg, a Java applet in the case of Javacard), which is used by the instruction call code and the processor unit to interact with the instruction set of the COS. There is provided a processing unit corresponding to an application including the execution code to be processed, in particular the processing unit The read unit reads a command provided from a processor provided in the customer wireless terminal through the input / output interface through an APDU, reads at least one or more information or data stored in the data storage unit based on the read command, Or record and provide the result or read information or data to the processor provided in the customer wireless terminal through the input / output interface through an APDU.

According to a preferred embodiment of the present invention, the memory of the financial IC chip 2455 includes a security structure based on ISO / IEC 10202. Accordingly, the memory has secret information such as a chip serial number (CSN). And a protection area to be stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. It is preferably stored in an area except for the COS control area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory includes one master file (MF) corresponding to a root file and at least one or more subordinate to the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the IC chip storage information for the present invention also comprises such a file structure.

According to a preferred embodiment of the present invention, the IC chip storage information preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or a credit card ( Credit Card) Payment method, Debit Card payment method, Check Card (Check Card) payment means, Prepaid Card (Prepaid Card) payment means It comprises preferably at least one or more Do.

The camera unit 2460 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 2405. Characterized in that.

Referring to FIG. 24, the wireless terminal 2400 corresponds to a voucher program function corresponding to a voucher program function for an IC chip-based wireless financial transaction mounted through the voucher program providing system shown in FIG. A banking unit 2485 and a validity authentication unit 2475 and the financial IC chip for authenticating the validity of the financial IC chip 2455 through the IC chip reader 2450 for the IC chip-based wireless financial transaction. And an information reading unit 2480 for reading a voucher virtual account information for a wireless financial transaction using the voucher virtual account from 2455. The voucher banking unit 2485 includes the financial IC chip ( Performing an IC chip-based wireless financial transaction procedure using the voucher virtual account information read from 2455, generating predetermined financial transaction processing information corresponding to the IC chip-based financial transaction details, and And generating wireless banking processing information including the financial transaction processing information and predetermined wireless banking authentication information.

The validity authentication unit 2475 receives a predetermined PIN (Personal Identification Number) in association with the key input unit 2420, and performs the PIN-based IC chip validity authentication procedure in connection with the IC chip reader 2450. Thus, the confidentiality, authentication, integrity, nonrepudiation, and the like of the financial IC chip 2455 are checked.

When the validity of the financial IC chip 2455 is authenticated by the validity authentication unit 2475, the information reading unit 2480 uses the voucher program providing system shown in FIG. 18 to provide the financial IC chip 2455. The voucher virtual account information recorded in the) is read and the read voucher virtual account information is provided to the voucher banking unit 2485.

When the voucher virtual account information is read by the information reader 2480, the voucher banking unit 2485 performs an IC chip-based wireless financial transaction procedure using the voucher virtual account based on the voucher virtual account information. And generating predetermined financial transaction processing information corresponding to the IC chip-based financial transaction details and generating wireless banking processing information including the financial transaction processing information and predetermined wireless banking authentication information.

Here, in the IC chip-based wireless financial transaction procedure, the wireless terminal 2400 inputs predetermined financial transaction information corresponding to a wireless financial transaction type using the voucher virtual account through the key input unit 2420, and the The financial transaction corresponding to the financial transaction information is processed through the financial IC chip 2455 using the voucher virtual account information. If the person having ordinary knowledge in the technical field to which the present invention belongs, the IC chip-based wireless Since you will be familiar with the technical features of the financial transaction process (eg EMV-based financial transaction process), the detailed description thereof will be omitted for convenience.

The IC chip-based financial transaction details may include at least one or more financial transaction date and time information, financial transaction amount information, financial transaction code information, balance information, and transaction account information.

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the voucher virtual account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking processing information. And / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or generated via a predetermined OTP generator (or generator). It is preferable to include at least one OTP code.

For those of ordinary skill in the art, the voucher banking unit 2485 generates various wireless banking processing information according to the IC chip-based wireless banking protocol defined with each financial system. Since it will be understood, detailed description thereof will be omitted for convenience.

When the wireless banking processing information is generated as described above, the voucher banking unit 2485 preferably performs an encryption function on the generated wireless banking processing information, and the encryption function is secret key (or symmetric key) based encryption. And / or at least one of public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption.

According to another exemplary embodiment of the present invention, when the encryption function for the wireless banking processing information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the IC chip-based wireless banking protocol, the voucher banking unit 2485, the function of encrypting the wireless banking processing information may be omitted, whereby the present invention is not limited.

25A and 25B illustrate an IC chip based wireless financial transaction process using a voucher virtual account in the method of the present invention.

25a and 25b show the voucher virtual account shown in FIGS. 1 and / or 4 through the IC chip-based wireless banking system shown in FIG. The present invention relates to a process of processing an IC chip-based wireless financial transaction through a voucher virtual account opened in the name of the customer through an establishment system, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to the present drawings 25a and 25b. By referring to and / or modified to be able to infer various implementation methods for the IC chip-based wireless financial transaction process using the voucher virtual account, the present invention includes all the inferred implementation method, this figure 25a and the figure It is not limited to the implementation method shown in 25b.

Referring to FIGS. 25A and 25B, the wireless terminal 2400 illustrated in FIG. 24 uses the voucher program providing system shown in FIG. 18 for the IC chip-based wireless financial transaction using the voucher virtual account. The voucher program provided in the terminal 2400 is driven (2500).

If the voucher program is driven (2505), the wireless terminal 2400 performs a validity authentication procedure for the financial IC chip 2455 (2510).

According to an embodiment of the present invention, the wireless terminal 2400 receives a predetermined PIN (Personal Identification Number) for validating the financial IC chip 2455 through a predetermined key input unit, and receives a predetermined card reader. By performing the PIN-based IC chip validity authentication procedure, the confidentiality, authentication, integrity and non-repudiation of the financial IC chip 2455 are confirmed.

If the validity of the financial IC chip 2455 is not authenticated (2515), the wireless terminal 2400 outputs the validity error information of the financial IC chip 2455 (2520), and uses the IC of the voucher virtual account. End the chip-based wireless financial transaction process.

On the other hand, if the validity of the financial IC chip 2455 is verified (2515), the wireless terminal 2400 is a predetermined voucher recorded from the financial IC chip 2455 through the voucher program providing system shown in FIG. The virtual account information is read (2525), and at least one financial transaction information including the voucher virtual account information read from the financial IC chip 2455 is input (or selected) through the voucher program (2530).

If at least one financial transaction information including the voucher virtual account information read from the financial IC chip 2455 is input (or selected) (2535), the wireless terminal 2400 may be configured to execute the voucher virtual account information and the finance. The IC chip-based financial transaction procedure is performed through the account information (2540).

Here, in the IC chip-based wireless financial transaction procedure, the wireless terminal 2400 inputs predetermined financial transaction information corresponding to a wireless financial transaction type using the voucher virtual account through the key input unit 2420, and the The financial transaction corresponding to the financial transaction information is processed through the financial IC chip 2455 using the voucher virtual account information. If the person having ordinary knowledge in the technical field to which the present invention belongs, the IC chip-based wireless Since you will be familiar with the technical features of the financial transaction process (eg EMV-based financial transaction process), the detailed description thereof will be omitted for convenience.

If the IC chip-based financial transaction procedure through the voucher virtual account information and the financial account information is completed (2545), the wireless terminal 2400 is a predetermined corresponding to the IC chip-based financial transaction details through the voucher program Generate financial transaction processing information (2550).

Here, the IC chip-based financial transaction details, financial transaction date information, financial transaction amount information, financial transaction code information, balance information, transaction account information, etc. preferably comprises at least one or more.

According to an exemplary embodiment of the present invention, a wireless financial transaction using the voucher virtual account is a financial transaction (eg, a withdrawal transaction, a wire transfer transaction, a utility bill payment, a direct payment, etc.) withdrawing a predetermined amount from the voucher virtual account. In this case, the IC chip-based financial transaction details are operated in the name of a welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) whose financial transaction amount corresponds to the mother account linked to the voucher virtual account. It is desirable to withdraw from the account.

According to another exemplary embodiment of the present invention, when the wireless financial transaction using the voucher virtual account is a financial transaction (for example, a deposit transaction or a wire transfer transaction) in which a predetermined amount is deposited into the voucher virtual account, the IC chip is used. Based on the financial transaction details, the financial transaction amount is deposited into a welfare fund management account opened in the name of a welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) corresponding to the parent account linked to the voucher virtual account. desirable.

When predetermined financial transaction processing information corresponding to the IC chip-based financial transaction details is generated through the voucher program, the wireless terminal 2400 authenticates the non-face-to-face financial transaction using the voucher virtual account through the voucher program. Input at least one wireless banking authentication information for operation 2555.

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the voucher virtual account, and / or a financial transaction password (eg, a bank transfer password) corresponding to the financial transaction, and / or a security code. (Eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or at least one or more OTP codes generated through a predetermined OTP generator (or generator). It is preferable to make.

If at least one wireless banking authentication information for authenticating a non-face-to-face financial transaction using the voucher virtual account is input (2560), the wireless terminal 2400 receives the voucher virtual account information and the IC through the voucher program. In operation 2565, predetermined wireless banking processing information including the financial transaction processing information corresponding to the chip-based financial transaction details and the wireless banking authentication information is generated.

Those skilled in the art to which the present invention pertains, since the wireless banking unit will be familiar with various implementation methods for generating the wireless banking processing information in accordance with each financial system and a defined IC chip-based wireless banking protocol. The detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 2400 performs an encryption function for the wireless banking processing information (2570), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or It is preferable to include at least one or more of electronic envelope-based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking processing information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the IC chip-based wireless banking protocol, the wireless banking unit The function of encrypting the wireless banking processing information may be omitted, whereby the present invention is not limited.

If the encryption for the wireless banking processing information is completed (2575), the wireless terminal 2400 transmits the wireless banking processing information to the wireless banking server 2000 through a wireless communication network to which the wireless terminal 2400 is connected. Transmit (2580).

The wireless banking server 2000 receiving the wireless banking processing information performs a decryption function on the encrypted wireless banking processing information (2585), and the decrypting function is secret key (or symmetric key) based decryption, and / or And at least one of public key based decryption, electronic envelope based decryption, and / or key exchange based decryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking processing information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the IC chip-based wireless banking protocol, the wireless banking unit The function of encrypting the wireless banking processing information may be omitted, whereby the present invention is not limited.

If the decoding of the wireless banking processing information is completed (2590), the wireless banking server 2000 is connected to the financial system in the virtual account ledger provided in the ledger D / B 800 on the financial system is wireless The financial transaction processing information corresponding to the IC chip-based financial transaction details included in the banking processing information is recorded (2592).

If the financial transaction processing information corresponding to the IC chip-based financial transaction details included in the wireless banking processing information is recorded in the virtual account ledger provided in the ledger D / B 800 on the financial system (2594), the wireless banking The server 2000 generates predetermined ledger recording result information corresponding to recording the financial transaction processing information in the virtual account ledger provided in the ledger D / B 800 on the financial system in association with the financial system (2596). In step 2598, the generated ledger recording result information is transmitted to the wireless terminal 2400 through the wireless communication network.

According to the present invention, at least one voucher subject having the voucher-only payment virtual account opened through the voucher-only payment virtual account associated with the voucher-only payment virtual account via the voucher-only payment virtual account There is an advantage to using financial transaction services.

According to the present invention, at least one voucher subject to which the voucher-only payment virtual account is opened is a VM-based through the voucher-only payment virtual account through a predetermined voucher certificate (or voucher card) associated with the voucher-only payment virtual account. There is an advantage of using a wireless financial transaction service.

According to the present invention, at least one voucher subject to which the voucher-only payment virtual account is opened, a predetermined voucher card associated with the voucher-only payment virtual account (eg, a credit card issued to the voucher subject by at least one card company, Check card, debit card, cash card, prepaid card or the like, or a dedicated card issued to the voucher subject by the financial institution) has the advantage of using the VM-based wireless financial transaction service through the voucher-only payment virtual account.

According to the present invention, at least one voucher subject to which the voucher-only payment virtual account is opened is based on an IC chip through the voucher-only payment virtual account through a voucher unique code (or unique number) associated with the voucher-only payment virtual account. There is an advantage of using a wireless financial transaction service.

According to the present invention, at least one voucher subject to which the voucher-only payment virtual account is opened, the IC chip through the voucher-only payment virtual account through a predetermined voucher certificate (or voucher card) associated with the voucher-only payment virtual account. There is an advantage of using the base wireless financial transaction service.

According to the present invention, at least one voucher subject to which the voucher-only payment virtual account is opened, a predetermined voucher card associated with the voucher-only payment virtual account (eg, a credit card issued to the voucher subject by at least one card company, Check card, debit card, cash card, prepaid card or the like, or a dedicated card issued to the voucher subject by the financial institution) has the advantage of using the IC chip-based wireless financial transaction service through the virtual voucher payment virtual account.

Claims (4)

In a predetermined virtual account opening means, a predetermined payment amount operator opens a payment virtual account under the name of the customer whose mother account is the payment amount operator (or payment amount related person) in order to pay the predetermined payment amount to the predetermined customer. Establishing; Storing and storing the payment virtual account information of the customer's name, the parent account information of the payment virtual account and the customer-owned wireless terminal information in a predetermined information storage means in a predetermined storage medium; Receiving financial transaction request information using the payment virtual account transmitted through the customer-owned wireless terminal in a predetermined information receiving means; And And processing the requested financial transaction in association with the storage medium (or the storage medium operating means) in a predetermined financial transaction processing means. In a predetermined virtual account opening means, a predetermined payment amount operator opens a payment virtual account under the name of the customer whose mother account is the payment amount operator (or payment amount related person) in order to pay the predetermined payment amount to the predetermined customer. Establishing; Linking the payment virtual account information of the customer's name and the parent account information of the payment virtual account in a predetermined information storage means and storing the payment virtual account information in a predetermined storage medium; Receiving financial transaction request information using the payment virtual account transmitted through the customer-owned wireless terminal in a predetermined information receiving means; And And processing the requested financial transaction in association with the storage medium (or the storage medium operating means) in a predetermined financial transaction processing means. The method according to claim 1 or 2, And providing a wireless banking program for processing a financial transaction corresponding to the payment virtual account to the customer-owned wireless terminal in a predetermined program providing means. A recording medium comprising a program for executing the method of any one of claims 1 to 3.

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