KR20080052728A - Method for processing financial transaction and program recording medium - Google Patents

Abstract

A method for processing a banking transaction and a program recording medium thereof are provided to enable a voucher receiver, who receives an allowance from a welfare fund management organ, a national pension management organ, or an insurance company, to receive a loan from a bank by setting an allowance to be paid to the voucher receiver as security. An information receiver receives loan request information from a customer. An information checker checks a welfare fund to be paid to the customer. A banking transaction processor processes a loan request of the customer by considering a checked amount of the welfare fund to be paid to the customer(2235). An information storing part links/stores details of a processed loan, information of an account receiving the welfare fund, and the information of a welfare fund payer to a storage medium. A settler checks whether the welfare fund is deposited in the account of the customer and settles a loan amount corresponding to the loan details by using a deposited amount.

Description

Method for processing financial transaction and program recording medium therefor {Method for Processing Financial Transaction 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 view showing a voucher amount payment system according to the operation of the voucher-only payment virtual account according to the embodiment of the present invention.

19 is a diagram illustrating a voucher amount payment process according to the operation of a voucher-only payment virtual account according to an embodiment of the present invention.

20 is a diagram illustrating a voucher amount payment process according to a voucher-only payment virtual account according to another embodiment of the present invention.

21 is a diagram illustrating a loan processing system for providing a voucher payment amount based loan service according to an embodiment of the present invention.

22 is a diagram illustrating a loan processing process for providing a voucher payment amount based loan service according to an embodiment of the present invention.

23 is a diagram illustrating a loan settlement process corresponding to a voucher payment amount based loan service according to an embodiment 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 secures various pensions / insurances to be deposited into a voucher-only payment virtual account or a real account, or loans (or prepaid or pays to a voucher subject within various pension / insurance limits to be deposited into a voucher-only payment virtual account or a real account. By paying the amount of cash services), it relates to a financial transaction processing method that enables the efficient operation of the voucher price and the provision of differentiated products in preparation for other transactions.

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 problem is to receive a loan (or prepaid or cash service) request information of the customer in a predetermined information receiving means, the loan (or prepaid or cash service) request in a predetermined information checking means Check the welfare fund to be paid to the customer, perform the requested loan (or prepaid or cash service) processing in consideration of the confirmed amount limit in the predetermined financial transaction processing means, and in the predetermined information storage means The processed loan (or prepaid or cash service) details and the account information to which the welfare fund, etc., to be paid to the customer are deposited, and / or the payer information to pay the welfare fund to the customer, are linked to a predetermined storage medium. To provide a financial transaction processing method for storing and registering.

The financial transaction processing method according to the present invention comprises the steps of receiving a loan (or prepaid or cash service) request information of a customer from a predetermined information receiving means, and requesting the loan (or prepaid or cash service) from a predetermined information checking means. Identifying a welfare fund, etc. to be paid to a customer, performing the requested loan (or prepaid or cash service) processing in consideration of the confirmed amount limit in a predetermined financial transaction processing means, and storing predetermined information; Means for storing the processed loan (or prepaid or cash service) details, account information for depositing welfare funds, etc., to be paid to the customer, and / or payer information for paying welfare funds, etc. And storing and registering in the medium.

According to the present invention, the financial transaction processing method, in connection with the storage medium (or storage medium operating means) in a predetermined settlement processing means, it is confirmed whether the welfare fund, etc. to be paid to the customer is deposited in the account; After the deposit is confirmed, the method further comprises the step of processing the loan (or prepaid or cash service) amount corresponding to the loan (or prepaid or cash service) details by using the deposited amount. .

According to the present invention, the financial transaction processing method, in connection with the storage medium (or storage medium operating means) in a predetermined settlement processing means, the loan (or in connection with a payer that pays a welfare fund, etc. to the customer; It further comprises the step of processing the loan (or prepaid or cash service) amount corresponding to the prepaid or cash service) details.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described financial transaction processing method.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also 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 a financial institution's window where the voucher virtual account is opened, prepare 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, 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 operates the welfare fund) Visit the institution and ask the welfare fund management institution 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 cashier. Enter the information filled in the virtual account opening application through the teller 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 is connected to the teller terminal on the financial system in which 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 operating organization to register virtual account opening application 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 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 desirable 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 made no, including preferred.

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. 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.) 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 component of the voucher virtual account opening system side connected to the teller terminal through a predetermined financial network. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

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 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 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 provided to a real account (or at least one voucher from 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 to be deposited, and the account number and account holder information for the welfare fund management account already established in the ledger D / B on the financial system. It is preferable to comprise at least 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 the voucher) And at least one ledger information to be provided for processing at least one or more financial transactions (e.g., voucher payment, withdrawal, account transfer, or payment through voucher payment).

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.

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 CIF (Customer Information File) number, 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, the actual balance of the voucher virtual account is deposited in the welfare fund management account. It is desirable.

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). The present invention relates to a process of opening a predetermined voucher virtual account on the basis of the virtual account opening application information in the voucher virtual account opening server when transmitting the predetermined virtual account opening application information to the server. Those skilled in the art will be able to infer various implementation methods for opening the voucher virtual account for the purpose of opening the voucher-only payment virtual account by referring to and / or modifying the present invention. Includes all the inferred implementation methods and is limited to the implementation method shown in FIG. It does not.

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 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 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, 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).

If one of ordinary skill in the art of the present invention belongs to the account ledger (or virtual account is requested by the voucher subject to at least one or more financial transactions (eg withdrawal of voucher payment, 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.

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 welfare D / B 200 on the financial system Create a virtual account ledger of the name of the voucher subject to be processed in association with the account ledger corresponding to the fund management account (335), the ledger D / B (200) on the financial system and the account ledger corresponding to the welfare fund management account; The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (340).

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 management account is opened as described above, the financial institution where 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, 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. Visit the financial institution's counter (or operate at the financial institution) through information (for example, voucher subject personal information that includes at least one or more of a voucher payment 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 non-face-to-face financial transaction channel).

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 configuration of the system to open a voucher virtual account with a welfare fund operating account opened in the name of a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) as a parent account. 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 The present invention relates to a method of opening a voucher virtual account for opening the voucher-only payment virtual account under the voucher subject 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. 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. 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 is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one 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 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 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 creation of a non-face-to-face voucher virtual account, the welfare fund operation institution terminal may have a predetermined financial network (eg, financial) in addition to the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a 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. May further include a server) (not shown), whereby the present invention is not limited thereto.

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 networks and / or wireless telephone networks, the Welfare Fund management agency requests to open a virtual account for the purpose of opening the 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 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 735 provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And provide a face-to-face financial transaction service to at least one financial transaction customer through the window terminal 735, and the financial transaction service opens the voucher-only payment virtual account through the opening and operation of the voucher virtual account. It is desirable to include financial transaction services.

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 financial transaction customer through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service is provided through the establishment and operation of the voucher virtual account. It is preferable to include a financial transaction service for opening the 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 made no, including preferred.

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 via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service is provided to the customer, and the financial transaction service is preferably made by including a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. Do.

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, 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.

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.) 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. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a 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 at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

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 piece of 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 is based on a protocol stack defined in the wireless network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the 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 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, 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 connects the voucher virtual account opening server 100 to the voucher virtual account opening server 100 through the interface unit 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 institution terminal to provide the welfare fund operation institution terminal to the welfare fund operation institution terminal. The information receiving unit 115 which receives the predetermined virtual account opening application information transmitted from the welfare 110 operating institution terminal through the user interface in connection with the study 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 120 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 provided in the client terminal, and generate the generated (or extracted) user interface through the interface unit 105 to the client terminal. It is preferable 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 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.

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 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 provided to process the payment process 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 120 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 consolidation, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one or more of a period, a number of days, a period extension, an expiration date and a target amount, and / or 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 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, in FIG. 6, in the voucher virtual account opening system shown in FIG. 4, a predetermined customer opens at least one predetermined virtual account opening interface (e.g., wired terminal 1200 and / or wireless terminal 1205). When a predetermined virtual account opening application information is transmitted to the voucher virtual account opening server 100 to the voucher virtual account opening server 100 through the client terminal and the network means, including the above, the voucher virtual account opening server 100 ) Is a process of opening a predetermined voucher virtual account based on the virtual account opening application information, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modified the present figure 6 Various implementation methods of opening the voucher virtual account may be inferred for the purpose of opening a dedicated payment virtual account. Includes all of the exemplary method of estimation, is not 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 the terminal 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 contact information, welfare fund code and welfare fund management institution address, etc. preferably comprises 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 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 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. (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 ledger D / B (200) on the financial system Create a virtual account ledger of the name of the voucher subject to be processed in association with the account ledger corresponding to the welfare fund management account (645), the account ledger corresponding to the welfare fund management account in the ledger D / B (200) on the financial system In operation 650, the generated virtual account ledger information is stored in the virtual account ledger generated by linking with the generated virtual account ledger.

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).

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. 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. If you have, it 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 figure 7, 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 registration to register voucher passwords for processing at least one financial transaction Although the system configuration may be inferred, the present invention includes all the inferred implementation methods, and the technical features of the present invention are not limited thereto.

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 A voucher unique code (or unique number) and voucher 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 a password, 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 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. 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 information including a teller terminal 735 provided at at least one financial institution branch. Characterized in that it comprises a registration terminal 735, the information registration terminal 735 is connected to the communication channel and the 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 735, and the teller terminal 735 uses the entered (or selected) information to enter the financial network. It is preferable to transmit to the information registration server 700 provided on the information registration system through.

Here, the teller terminal 735 preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 700 connected to the teller terminal 735 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 735 and the information registration server 700 is the communication between the teller terminal 735 and the information registration server 700 It is preferable to include a network for connecting the channels.

In the information registration system as described above, the application form prepared by the customer, the teller terminal 735 used by the teller, and the financial network connecting the teller terminal 735 and the information registration server 700 are the customer. The function of the information registration interface for registering the voucher virtual account linkage information for financial transactions 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 735 and the drawing 1 and / or Through the voucher virtual account opening system shown in FIG. 4, the voucher card information is linked to a virtual account ledger corresponding to the voucher virtual account issued to the voucher subject 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 the 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 subject to prove that the voucher is a subject. 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 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 735 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 735 is a window terminal 735 connected to a predetermined financial network, the information registration server 700 is the window terminal 735 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the information registration server 700 is provided with an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal 735 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 735 is a window terminal 735 connected to a predetermined financial network, the interface unit 705 may be configured based on the protocol stack defined in the financial network. It connects a window terminal 735 with a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 735. It is desirable to.

Referring to FIG. 7, the information registration server 700 interworks with the interface unit 705 when a predetermined information registration terminal 735 accesses the information registration server 700 through the interface unit 705. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined voucher virtual account interworking information from the information registration terminal 735 to the information registration terminal 735. 710 and the information receiving unit 715 for receiving the predetermined voucher virtual account interworking information transmitted from the information registration terminal 735 via the user interface in connection with the interface unit 705. And a validity checking unit 720 confirming validity of the received voucher virtual account interworking information, and the voucher charges included in the confirmed voucher virtual account interworking information. Based on the user information, the voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher through the voucher virtual account opening system shown in FIGS. And an information storage unit 725 that stores the medium 730.

The interface providing unit 710 corresponds to a functional configuration provided in the information registration terminal 735 when a predetermined information registration terminal 735 is connected to the information registration server 700 through the interface unit 705. Input (or select) the voucher virtual account interworking information to generate a predetermined user interface that can be transmitted to the information registration server 700 through the financial network, and / or extract from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 705 may be provided to the information registration terminal 735 through the financial network.

Thereafter, the information registration terminal 735 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 selects) The voucher virtual account 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 735 is a window terminal 735 connected to a predetermined financial network, the interface providing unit 710 is a financial transaction provided in the window terminal 735. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the window terminal 735 through the interface unit 705.

The information receiving unit 715 inputs (or selects) the voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information through the user interface in the information registration terminal 735 through the financial network. When transmitting, 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 735 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 verified 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 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.

8 is a view showing the configuration of the voucher virtual account interworking information stored in the ledger D / B (200) provided in the DBMS on the financial system in a 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. 8, when the storage medium illustrated in FIG. 7 is a ledger D / B 200 provided in a DBMS on a financial system, the voucher is virtualized in the ledger information provided in the ledger D / B 200. 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 account linkage information. An information structure for an embodiment of a method of linking and storing information is illustrated, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 and / or the general ledger D / B ( It will be able to infer various information configuration methods for storing the voucher virtual account interworking information in 200, but the present invention includes all the implementation methods inferred, Shall not be limited to the exemplary method shown in FIG. 8.

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 D / B 200 on the financial system is processed in association with the account ledger corresponding to the welfare fund management account, and the account ledger corresponding to the welfare fund management account is the welfare fund management institution ( For example, the Ministry of Health and Welfare and / or each local government) is characterized in that it is processed in connection with a predetermined customer ledger corresponding to.

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 (eg, withdrawal of payment to a voucher, transfer of account, or voucher payment) to be included in the account ledger provided in the ledger D / B 200 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.

FIG. 9 is a diagram of voucher virtual account interworking information stored in a database linked to a ledger D / B 200 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. Figure is a diagram.

In more detail, FIG. 9 illustrates a case in which the storage medium 900 shown in FIG. 7 includes a predetermined database linked to the ledger D / B 200 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 various information configuration methods for storing the voucher virtual account linkage information in association with the ledger D / B (200). 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 200 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 (200) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), the voucher card information is stored in a predetermined database instead of the ledger D / B 200, and It shows an implementation method of storing a database and the ledger D / B (200) 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, and / or 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 stored in a virtual account ledger corresponding to an account, and the voucher card information is stored in the ledger information in the voucher card information to be linked to the ledger D / B 200. 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. 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.

In more detail, FIG. 10 shows that the storage medium shown in FIG. 7 is provided in a predetermined banking server provided on an Internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system. When provided to the DBMS, the VMS is 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 present invention relates to an embodiment of a method of linking and storing the voucher card information in a virtual account ledger corresponding to a voucher virtual account, and a person of ordinary skill in the art may refer to FIG. Alternatively, it is possible to modify the voucher virtual account interworking information stored in a predetermined DBMS provided in at least one banking server. Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10, a predetermined DBMS provided in the banking server may be configured through 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 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.

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, in FIG. 11, 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 associated with the teller terminal 735 through a predetermined financial network. In one case, the window terminal 735 connects to the information registration server 700 to connect a communication channel for information registration according to the present invention, and then to the information registration server 700 through the communication channel. Linking the voucher virtual account including the voucher subject information and voucher card information (for example, card 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) When the information is transmitted, the information registration server 700 based on the voucher subject information included in the received voucher virtual account interworking information 1 and / or An embodiment of the present invention relates to a method of storing the information on a predetermined storage medium by linking the voucher card information to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the system for opening a voucher virtual account shown in FIG. 4. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to register the voucher virtual account interworking information from the window terminal 735 to the information registration server 700. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In FIG. 11, the window terminal 735 shown in FIG. 7 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is referred to as "server" for convenience, and the window terminal ( The voucher subject information and the voucher card information transmitted from the 735 to the information registration server 700 are referred to as "voucher virtual account interworking information" for convenience.

Referring to FIG. 11, the window terminal 735 shown in FIG. 7 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the voucher virtual account interworking information, and the voucher virtual. When requesting registration of the voucher virtual account interworking information for a financial transaction using an account (1100), the server generates (or extracts) a predetermined information registration interface for registering the voucher virtual account interworking information (1105), The generated (or extracted) information registration interface is transmitted to the terminal through the communication channel and output (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 verified in the ledger D / B 200 on the financial system associated with the information registration system. Among at least one voucher virtual account registered through the account opening 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 opened.

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 4 and stored in a predetermined storage medium (1145).

According to one embodiment of the invention, the storage medium 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 is the financial The ledger D / B 200 provided in the DBMS on the system, and / or the predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or TV banking provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on at least one banking system of the 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, credit card, check card, debit card, cash card issued by the at least one card company to the voucher target person for financial transactions using the voucher virtual account according to the present invention). When the voucher virtual account interlocking information including at least one card information corresponding to the 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. / Or the voucher virtual account opening system shown in Figure 4 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, having a general knowledge in the technical field to which the present invention pertains. It will be possible 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 drawing 12, but the present invention includes all the implementation methods inferred above. However, the present invention 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 implementation methods, whereby the technical features of the present invention is not limited.

Hereinafter, a configuration corresponding to at least one or more means and / or functional configuration for storing voucher virtual account interworking information provided from the customer on the storage medium via a predetermined information registration interface on the information registration system shown in FIG. The element 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, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the 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 Dispenser) A financial automation device (not shown) including a CD) and / or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown) of, 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) (not shown) The network connecting the information registration server 700 and the information registration server 700 performs a function of an information registration interface for registering the voucher virtual account interworking information for the financial transaction using the voucher virtual account according to the present invention.

The storage medium 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 a virtual account opening system and stored in a predetermined storage medium.

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, or a prepaid card issued by the at least one card company to the voucher subject. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 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 is the financial It may be a ledger D / B 200 provided in the DBMS on the system, and / or a predetermined database associated with the ledger D / B 200, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or TV banking provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on at least one banking system of the 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. A predetermined wireless banking server, and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the wireless 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 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 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 is the wired network and / or wireless. A communication interface for connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable to provide.

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

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 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit is 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 using the communication protocol defined in the financial transaction-related program provided 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 may be connected to the client terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in 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 connects a communication channel with the client terminal based on the CDMA protocol. Provides a communication interface for transmitting and receiving web pages (eg, 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, IC chip based banking program) provided by the information registration server 700, the interface unit connects the communication channel with the client terminal based on the CDMA protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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 is a voice call defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

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

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 unit is based on the protocol stack defined in the TV banking system. (Or a bidirectional digital TV) and a predetermined communication channel, and a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It is preferable to provide.

Referring to FIG. 12, when the information registration terminal 700 accesses the information registration server 700 through the interface unit, the information registration server 700 interworks with the interface unit to virtualize a predetermined voucher. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting account interworking information to the information registration terminal; and the user interface in the information registration terminal in association with the interface unit. 1 and / or 4 based on an information receiving unit for receiving predetermined (or selected) voucher virtual account interworking information to be transmitted and inputted through the voucher virtual account interlocking information; and the voucher subject information included in the received voucher virtual account interlocking information. Vouchers issued to the voucher subjects through the voucher virtual account opening system shown in Processing the card voucher information associated with the virtual account ledger corresponding to a virtual account to be characterized in that formed by comprising a data storage for storing a predetermined storage medium.

The interface providing unit inputs (or selects) the voucher virtual account interworking information 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. Generate a predetermined user interface which can be transmitted to the information registration server 700 via the network means, and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit Characterized in that the user interface is 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 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit.

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

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 may include a browser program and / or a communication program provided in the client terminal. 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 client terminal through the interface unit.

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 providing unit may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit.

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 providing unit may be provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit.

The information receiver inputs (or selects) voucher virtual account interworking information including at least one of voucher subject information and voucher card information through the user interface and transmits the information through the network means. And receiving the voucher virtual account interworking information in cooperation with the received voucher, and provides the received voucher virtual account interworking information 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 verified 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 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 interlocking information is confirmed, the information storage unit is configured 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 interlocking information. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject and stored in the storage medium, wherein the storage medium is provided in the information registration server 700, or When provided on the network associated with the information registration server 700, the information storage unit based on the voucher subject information included in the received voucher virtual account interworking information Voucher shown in Figure 1 and / or Figure 4 Respond to the voucher virtual account issued to the voucher subject through the virtual account opening system Preferably, the voucher card information is linked to a virtual account ledger and stored in the storage medium. When the storage medium is provided in a DBMS provided on a financial system, the information storage unit is linked to the received voucher virtual account. The voucher card information is sent 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 based on the voucher subject information included in the information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

FIG. 13 is a diagram illustrating the configuration of voucher virtual account interworking information stored in the ledger D / B 200 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. to be.

In more detail, in FIG. 13, when the storage medium illustrated in FIG. 12 is a ledger D / B 200 provided in a DBMS on a financial system, the voucher is virtualized in the ledger information provided in the ledger D / B 200. 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 account linkage information. FIG. 13 illustrates an information structure for an embodiment of a method of linking and storing card information. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. Various information configuration methods for storing the voucher virtual account interworking information at 200 may be inferred, but the present invention includes all the inferred implementation methods. Surface shall not be limited to the exemplary method shown in FIG. 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 D / B 200 on the financial system is processed in association with the account ledger corresponding to the welfare fund management account, and 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, 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, 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 voucher payments, account transfers, or voucher payments) to be included in the account ledger provided in the ledger D / B 200 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 the form of additional information added to the account ledger, and the voucher virtual account interworking information is applied to the voucher subject. And at least one information and a 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 (200) 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 that when the storage medium illustrated in FIG. 12 includes a predetermined database linked to the ledger D / B 200 provided in the DBMS on the financial system, the voucher virtual account is linked to the database. The voucher card information is sent 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 based on the voucher subject information included in the information. FIG. 14 illustrates an information structure of an embodiment of a method of linking and storing information. If a person of ordinary skill in the art belongs to the present invention, the voucher virtual account may be stored in a predetermined database by referring to and / or modifying the drawing. Various information configuration methods for integrating and storing interworking information with the ledger D / B 200 can be inferred. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 14, when it is not easy to store the voucher card information in the ledger information of the ledger D / B 200 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 (200) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), the voucher card information is stored in a predetermined database instead of the ledger D / B 200, and It shows an implementation method of storing a database and the ledger D / B (200) in association.

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 stored in a virtual account ledger corresponding to an account, and the voucher card information is stored in the ledger information in the voucher card information to be linked to the ledger D / B 200. 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.

In more detail, FIG. 15 shows that the storage medium shown in FIG. 12 is provided in a predetermined banking server 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 to the DBMS, the VMS is 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. As an embodiment of the present invention, the voucher card information is linked to and stored in a virtual account ledger corresponding to a voucher virtual account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. Alternatively, it is possible to modify the voucher virtual account interworking information stored in a predetermined DBMS provided in at least one banking server. 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 15.

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 the present invention in which a voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to a voucher subject through a system for opening a voucher virtual account and stored in a predetermined storage medium. Those skilled in the art can infer various implementation methods for registering the voucher virtual account interworking information from the client terminal to the information registration server 700 by referring to and / or modifying the drawing 16. 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, 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 FIG. 16, when the client terminal shown in FIG. 12 is a predetermined network means (eg, the client terminal is a wired terminal 1200), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1205. Is connected to the server through a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc., to connect a predetermined communication channel for registering the voucher virtual account interworking information, and use the voucher virtual account. When requesting registration of the voucher virtual account interworking information for a financial transaction (1600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the voucher virtual account interworking information (1605). In operation 1610, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface 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 in the terminal. desirable.

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 subject 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 verified 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 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 (1635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640), and the voucher virtual account interworking is performed. Do not perform information registration procedures corresponding to the information.

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 a predetermined storage medium (1645).

According to one embodiment of the invention, the storage medium 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 is the financial It may be a ledger D / B 200 provided in the DBMS on the system, and / or a predetermined database associated with the ledger D / B 200, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or TV banking provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on at least one banking system of the 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 information 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 account linkage information. The present invention relates to an embodiment of the present invention, in which a user of ordinary skill in the art to which the present invention pertains is referred to and / or modified with reference to the drawings 17a and 17b. Although various implementation methods for registering the voucher virtual account interworking information with the information registration server 700 may be inferred, the present invention includes all the implementation methods inferred, and the implementation methods shown in FIGS. 17A and 17B. It is not limited to this.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, 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 may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering a virtual account linked information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. 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 the communication channel is a web page generated (or extracted) by a request of a browser program provided to the client terminal 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 digital 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 to be 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 digital signature attached 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 / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registering voucher virtual account interworking information. Attach certain electronic signatures to the information (or data) to be provided and / or When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

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) It is preferable to further contain an ear.

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 verified in the ledger D / B 200 on the financial system associated with the information registration system. Among at least one voucher virtual account registered through the account opening 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 opened.

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. Through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject and stored in a predetermined storage medium. (1745b).

According to one embodiment of the invention, the storage medium 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 is the financial The ledger D / B 200 provided in the DBMS on the system, and / or the predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or TV banking provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on at least one banking system of the 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 view showing a voucher amount payment system according to the operation of the voucher-only payment virtual account according to the embodiment of the present invention.

In more detail, FIG. 18 illustrates a predetermined amount of voucher (eg, a welfare fund management institution (eg, a welfare welfare fund management institution) into at least one or more voucher virtual accounts opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4. The Ministry of Health and Welfare and / or each local government) for the construction of a voucher amount payment system that pays at least one voucher subject periodically), the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer various implementation methods for the configuration of the voucher payment system according to the voucher-only payment virtual account operation by referring to and / or modifying the drawing 1, the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG.

Hereinafter, a predetermined voucher amount (e.g., a predetermined welfare fund operation institution (e.g., the Ministry of Health and Welfare and / or each local government) must be periodically paid to at least one voucher subject in the voucher amount payment system shown in FIG. Components corresponding to at least one means and / or functional configuration for paying the amount of money) to at least one voucher virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 above. Amount payment server 1810 ".

Referring to FIG. 18 according to an embodiment of the present invention, the voucher amount payment system is deposited in a welfare fund operation account opened under the name of a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government). 1 and / or the amount of the voucher (e.g., the amount periodically paid to at least one voucher subject by the Ministry of Health and Welfare and / or each municipality) of the amount of the voucher. A manager terminal for managing payment to at least one voucher virtual account opened through the voucher virtual account opening system shown in FIG. 4, and a predetermined voucher amount (e.g., a welfare fund operation institution (e.g., the Ministry of Health and Welfare). Or the amount owed periodically to at least one voucher subject by each local government) A payment server 1810 and a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) that pays to at least one or more voucher virtual accounts opened through the voucher virtual account opening system shown in FIG. 1 and / or FIG. 4. Self-government fund) and at least one voucher virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 as a parent account. It is characterized by including the financial system.

Referring to FIG. 18, the financial system includes a welfare fund management account opened in the name of a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) and the welfare fund management account as the parent account. A computing system characterized by operating at least one or more voucher virtual accounts opened through the voucher virtual account opening system shown in Figure 1 and / or Figure 4, credit or reception occurring at one or more branches (or teller) Between the account system that handles window services such as trusts or foreign exchange, the information system that handles headquarters operations, branch office information support and customer information management, and the financial system and at least one other financial system (and / or payment system) Interconnect, and / or at least one non-face-to-face finance provided in at least one external communication network Access to the financial system from other means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), and / or at least one common network (e.g., CD common network, financial common network). And an external system for providing various financial transaction interfaces through the external interface, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system; DBMS comprising at least one database that stores and manages certain information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component of the financial system. And a (DataBase Management System).

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. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

The manager terminal may include a predetermined amount of voucher (eg, a predetermined welfare fund management institution) among the amounts deposited in the welfare fund management account opened in the name of a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government). For example, the Ministry of Health and Welfare and / or each local government) must pay at least one voucher subject periodically) at least one or more opened through the voucher virtual account opening system shown in Figs. It is characterized by managing the payment to the voucher virtual account, characterized in that the communication channel is connected to the payment server 1810 through a predetermined network means.

According to an exemplary embodiment of the present invention, the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) is linked with the payment server 1810 to the welfare fund management institution (eg, the Ministry of Health and Welfare and / or At least one voucher eligible from the amount of the voucher (e.g., from a given welfare fund management institution (e.g., the Ministry of Health and Welfare and / or each municipality) of the amount deposited in the welfare fund management account opened in the name of each municipality) A terminal device which manages to pay the amount to be periodically paid to at least one voucher virtual account opened through the voucher virtual account opening system shown in FIG. 1 and / or FIG. A communication channel is connected to the payment server 1810 via a network means including a communication network and / or an IEEE 802.11.x based wireless communication network. It is preferable.

According to one embodiment of the present invention, a welfare institution established in the name of a welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) in connection with the payment server 1810 in a financial institution that operates the financial system. Receive a predetermined voucher amount (e.g., an amount that must be periodically paid to at least one voucher subject by a given welfare fund management agency (e.g., the Ministry of Health and Welfare and / or each municipality) of the amount deposited in the fund management account; A terminal device for managing payment to at least one voucher virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4, comprising: a TCP / IP based wired communication network and / or an IEEE 802.11.x based wireless It is preferable that the communication channel is connected to the payment server 1810 via a network means including a communication network.

According to an embodiment of the present invention, the manager terminal inputs (or selects) predetermined voucher amount payment information through an interface screen provided by the amount payment server 1810, and transmits the predetermined voucher amount payment information to the amount payment server 1810. In response thereto, the amount payment server 1810 is linked with the financial system, and a predetermined voucher among the amounts deposited in the welfare fund operation account opened in the name of the welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). The voucher shown in Figs. 1 and / or 4 above is an amount (e.g., an amount to be periodically paid to at least one voucher subject by a given welfare fund management institution (e.g., the Ministry of Health and Welfare and / or each municipality)). Payment is made to at least one voucher virtual account opened through the virtual account opening system.

The amount payment server 1810 provided on the voucher amount payment system according to the present invention is deposited in a welfare fund operation account opened in the name of a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). The amount of the voucher (e.g., the amount to be periodically paid to the at least one voucher subject by the Ministry of Health and Welfare and / or each local government) of the amount of the voucher (e.g. A generic term for the voucher value payment system-side components for paying at least one voucher virtual account opened through the voucher virtual account opening system shown in FIG. 4, including at least one server (or device), and And / or at least one program recorded on a recording medium provided in a predetermined server (or apparatus). As such, the present invention is not limited thereto.

According to an embodiment of the present invention, the payment server 1810 is characterized in that it comprises an interface unit 1805 for providing a predetermined payment interface to the manager terminal via the network means.

According to an embodiment of the present invention, the interface unit 1805 connects a predetermined communication channel with the manager terminal based on a protocol stack defined in the network means, and communicates defined in a communication program provided in the manager terminal. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a protocol.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the manager terminal, the interface unit 1805 connects a communication channel with the manager 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 manager terminal is provided with a predetermined amount payment program provided by the amount payment server 1810, the interface unit 1805 connects a communication channel with the manager terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 18, when a predetermined manager terminal is connected to the payment server 1810 through the interface unit 1805, the payment server 1810 cooperates with the interface unit 1805 and the manager terminal. An interface providing unit 1810 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined voucher payment information to the manager terminal and interworking with the interface unit 1805. And an information receiving unit 1815 that receives predetermined voucher payment information that is input (or selected) and transmitted from the manager terminal through the user interface.

The interface providing unit 1810 inputs the voucher amount payment information in response to a function configuration provided in the manager terminal when a predetermined manager terminal accesses the amount payment server 1810 through the interface unit 1805. (Or select) to generate a predetermined user interface that can be transmitted to the payment server 1810 via the network means, and / or to extract from a predetermined database (not shown), and with the interface unit 1805 And providing the generated (or extracted) user interface to the manager terminal through the network means.

Thereafter, the manager terminal inputs (or selects) the voucher amount payment information based on the user interface, and sends the input (or selected) voucher amount payment information to the amount payment server 1810 through the network means. send.

According to an embodiment of the present invention, the interface providing unit 1810 generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the manager terminal, and the interface unit 1805. Preferably, the generated (or extracted) user interface is provided to the manager terminal.

When the information receiving unit 1815 inputs (or selects) predetermined voucher amount payment information through the user interface from the manager terminal and transmits the voucher amount payment information through the network means, the voucher amount payment is linked to the interface unit 1805. And receiving information.

According to the implementation method of the present invention, the voucher amount payment information is a predetermined amount of voucher of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) For example, the amount of the voucher virtual account shown in Figs. 1 and / or 4 of a predetermined welfare fund management institution (e.g., an amount that should be periodically paid to at least one voucher subject by the Ministry of Health and Welfare and / or each municipality). It is preferable to include a voucher amount payment order issued to at least one voucher virtual account opened through the open system.

In addition, the voucher amount payment information is a predetermined amount of vouchers (eg, a predetermined welfare fund) of the amount deposited in the welfare fund operation account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government). Voucher subject information, voucher virtual account information, payment date and time information and payment amount information to be paid by an operating agency (e.g., the amount owed periodically to at least one voucher subject by the Ministry of Health and Welfare and / or each municipality). It is preferable to comprise.

According to the present invention, when the predetermined amount of payment server 1810 transmits a predetermined amount of voucher amount payment information including only the voucher amount payment command in the voucher amount payment information, or when the voucher amount payment process is performed automatically, The amount of the voucher of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (e.g., the Ministry of Health and Welfare and / or each local government) (e.g., the welfare fund management institution (e.g. Or payment information D / V voucher information, voucher virtual account information, payment date and time information and payment amount information, which are to be paid to at least one voucher recipient periodically) It is provided with a B (1835), characterized in that the payment information D / B (1835) in a cooperative process.

Here, the voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, boys and girls) who opened a predetermined voucher virtual account through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Voucher subject personal information (e.g., voucher payable name, etc.) for a person (or poor) who has at least one head of household, and / or a general beneficiary who includes at least one person, such as a bad credit person, low-income, homeless, etc. Social security number, address, telephone number, mobile phone number, e-mail address, etc.), and in the case where the welfare fund management institution issues a voucher certificate or voucher card that proves that the voucher is a subject, Voucher-specific information included in the voucher certificate (or voucher card) (e.g. Preferably, comprising a serial number (or serial number), or the card number, etc.) included in the card voucher the voucher included in the certificate.

Also, the voucher virtual account information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living alone, etc.) through the voucher virtual account opening system illustrated in FIGS. 1 and / or 4. It is preferable to include a virtual account number issued to a person (or a poor), and / or a general beneficiary including at least one of poor credit, low-income, homeless, etc.).

In addition, the amount payment date and time information is a predetermined amount of voucher (e.g., a predetermined welfare fund of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government). An amount to be periodically paid by the operating agency (eg, the Ministry of Health and Welfare and / or each municipality) to at least one or more voucher subjects and / or to at least one or more voucher virtual accounts. It is preferable to include date and time information.

In addition, the payment amount information corresponds to the voucher subject information of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) at the payment date and time It is preferably made to include the amount to be paid to at least one voucher subject, and / or to at least one voucher virtual account corresponding to the voucher virtual account information.

According to the present invention, the payment server 1810, a predetermined manager terminal transmits the voucher amount payment information only in the voucher amount payment information, or if the voucher amount payment process is automatically performed, the payment The payment amount is paid to at least one voucher subject corresponding to the voucher subject information stored in the payment information D / B 1835 with reference to the payment date and time information stored in the information D / B 1835, or the payment And an information confirming unit 1820 confirming whether to pay the payment amount to at least one voucher virtual account corresponding to the voucher virtual account information stored in the information D / B 1835.

As a result of the checking, the payment amount is paid to at least one voucher subject corresponding to the voucher subject information stored in the payment information D / B 1835, or the voucher virtual account information stored in the payment information D / B 1835. When it is determined that the payment amount is paid to the corresponding at least one voucher virtual account, the information checking unit 1820 may check the at least one voucher subject information and the voucher virtual account from the payment information D / B 1835. And extracting the information, the payment date information and the payment amount information.

According to the present invention, the amount payment server 1810 is a welfare fund established in the name of the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) at the payment date and time corresponding to the payment amount date and time information. A virtual account processing unit for performing a financial transaction procedure of paying an amount corresponding to the payment amount information among the amounts deposited in a management account to the voucher virtual account corresponding to the voucher virtual account information from the welfare fund management account; Corresponding to the financial transaction procedure of paying the amount corresponding to the payment amount information among the amounts deposited in the welfare fund operation account performed by the account processing unit from the welfare fund operation account to the voucher virtual account corresponding to the voucher virtual account information. Generating predetermined ledger record information, and in connection with the financial system through predetermined communication means, And a ledger processing unit 1830 for recording the ledger record information into an account ledger corresponding to the welfare fund operation account and / or a virtual account ledger corresponding to the voucher virtual account.

According to an exemplary embodiment of the present invention, a predetermined voucher amount of money (for example, the amount of money deposited in the welfare fund operation account opened in the name of the welfare fund operation organization (eg, the Ministry of Health and Welfare and / or each local government) from the manager terminal (eg, Payment of at least one voucher subject to at least one voucher subject and / or an amount required to be periodically paid to at least one voucher subject by a given welfare fund management organization (eg, the Ministry of Health and Welfare and / or each municipality) When the voucher amount payment command for payment to the account and voucher amount payment information including at least one voucher subject information, voucher virtual account information, amount payment date information and payment amount information are received, the virtual account processing unit receives the received On payment date and time corresponding to amount of money supply date and time information, The amount corresponding to the received payment amount information among the amounts deposited in the welfare fund operation account opened in the name of the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) is received in the welfare fund operation account. And performing a financial transaction procedure for paying the voucher virtual account corresponding to the voucher virtual account information.

Here, the financial transaction procedure withdraws the amount corresponding to the received payment amount information among the amounts deposited in 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). Rather than depositing the voucher virtual account corresponding to the received voucher virtual account information from the welfare fund management account, the received payment amount information among the amounts deposited in the welfare fund management account corresponding to the mother account of the voucher virtual account It is preferable that the withdrawal function for the amount corresponding to is set to the voucher virtual account corresponding to the received voucher virtual account information.

According to another exemplary embodiment of the present invention, a predetermined amount of money deposited in a welfare fund operation account opened in the name of the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) through the information verification unit 1820. The voucher amount of (e.g., the amount that a given welfare fund management agency (e.g., the Ministry of Health and / or each municipality must pay periodically to at least one voucher subject) to at least one voucher subject; and / Or when the at least one voucher subject information, the voucher virtual account information, the payment date and payment information and the payment amount information for payment to the at least one voucher virtual account are confirmed, the virtual account processing unit corresponds to the confirmed payment date and date information. At the payment date to say, the welfare fund management institution (for example, the Ministry of Health and Welfare and / or The amount corresponding to the confirmed payment amount information of the amount deposited in the welfare fund operation account opened in the name of each local government) is transferred to the voucher virtual account corresponding to the confirmed voucher virtual account information in the welfare fund operation account. It is characterized by performing a financial transaction procedure to pay.

Here, the financial transaction procedure withdraws the amount corresponding to the confirmed payment amount information of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government). Rather than depositing the voucher virtual account corresponding to the confirmed voucher virtual account information from the welfare fund management account, the payment amount information of the confirmed amount of money deposited in the welfare fund management account corresponding to the mother account of the voucher virtual account It is preferable that the withdrawal function for the amount corresponding to is set to the voucher virtual account corresponding to the confirmed voucher virtual account information.

A financial transaction procedure of paying an amount corresponding to the payment amount information among the amounts deposited in the welfare fund operating account performed by the virtual account processing unit from the welfare fund operating account to the voucher virtual account corresponding to the voucher virtual account information. Is performed, the ledger processing unit 1830 generates predetermined ledger record information including the financial transaction details, and transmits the ledger record information to the welfare fund operation account in connection with the financial system through a predetermined communication means. And record in a corresponding account ledger and / or a virtual account ledger corresponding to the voucher virtual account.

Here, the ledger record information is the amount corresponding to the payment amount information among the amounts deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) is the voucher virtual It is preferable to include at least one ledger information constituting the account ledger corresponding to the welfare fund management account and / or the virtual account ledger corresponding to the voucher virtual account to be withdrawn through the voucher virtual account corresponding to the account information. .

19 is a diagram illustrating a voucher amount payment process according to the operation of a voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 19 illustrates a predetermined amount of voucher value to at least one voucher virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher amount payment system shown in FIG. 18. (E.g., the amount of a voucher amount payment system that pays at least one voucher subject periodically by a given welfare fund management institution (e.g., the Ministry of Health and Welfare and / or each municipality). When a predetermined administrator terminal provides predetermined voucher amount payment information to the server, the server may be configured to pay a predetermined voucher amount to at least one voucher virtual account corresponding to the voucher amount payment information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to infer various implementation methods for the voucher amount payment process according to the voucher-only payment virtual account operation. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the manager terminal on the voucher amount payment system shown in FIG. 18 is referred to as “terminal” for convenience, and the amount payment server 1810 on the voucher amount payment system shown in FIG. 18 is referred to as “server” for convenience. do.

Referring to FIG. 19, when the terminal illustrated in FIG. 18 requests a connection and payment interface to the server through a predetermined network means (1900), the server correspondingly at least one predetermined voucher payment command Generate (or extract) an amount payment interface for inputting (or selecting) the voucher amount payment information including the voucher target information, the voucher virtual account information, the payment date and date information, and the payment amount information to the terminal through the network means. Transmit (1905).

Thereafter, the terminal inputs a voucher amount payment information including a predetermined voucher amount payment command and at least one voucher target information, voucher virtual account information, amount payment date and time information and payment amount information through the amount payment interface ( Or select) (1910).

According to an embodiment of the present invention, the voucher subject information may include at least one voucher subject (eg, elderly living alone) who opened a predetermined voucher virtual account through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Voucher personal information (e.g., a pensioner, a low income party, a homeless person, etc.) , Voucher payment name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and the voucher certificate, or voucher card to prove that the voucher subject to the voucher subject in the welfare fund management institution Issuance, the voucher certificate (or voucher card) It is preferable to include the voucher unique information (e.g., a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher card).

Also, the voucher virtual account information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living alone, etc.) through the voucher virtual account opening system illustrated in FIGS. 1 and / or 4. It is preferable to include a virtual account number issued to a person (or a poor), and / or a general beneficiary including at least one of poor credit, low-income, homeless, etc.).

In addition, the amount payment date and time information is a predetermined amount of voucher (e.g., a predetermined welfare fund of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government). An amount to be periodically paid by the operating agency (eg, the Ministry of Health and Welfare and / or each municipality) to at least one or more voucher subjects and / or to at least one or more voucher virtual accounts. It is preferable to include date and time information.

In addition, the payment amount information corresponds to the voucher subject information of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) at the payment date and time It is preferably made to include the amount to be paid to at least one voucher subject, and / or to at least one voucher virtual account corresponding to the voucher virtual account information.

If the voucher amount payment command and voucher amount payment information including at least one voucher subject information, voucher virtual account information, amount payment date information and payment amount information are inputted (or selected) (1915), the terminal is connected to the network. The voucher amount payment information is transmitted to the private server through means (1920), and in response, the server is a welfare fund management account opened in the name of the welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). The voucher amount of the amount of the voucher deposited (e.g., the amount periodically paid to at least one voucher subject by a given welfare fund management agency (e.g., the Ministry of Health and Welfare and / or each municipality)) Payment to at least one voucher subject and / or voucher virtual account included in the information It performs the convergence transaction process (1925).

According to the implementation method of the present invention, the server is a welfare fund opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) at the payment date corresponding to the received payment date information It is preferable to perform a financial transaction procedure of paying an amount corresponding to the received payment amount information among the amounts deposited in a management account to the voucher virtual account corresponding to the received voucher virtual account information from the welfare fund management account. .

Here, the financial transaction procedure withdraws the amount corresponding to the received payment amount information among the amounts deposited in 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). Rather than depositing the voucher virtual account corresponding to the received voucher virtual account information from the welfare fund management account, the received payment amount information among the amounts deposited in the welfare fund management account corresponding to the mother account of the voucher virtual account It is preferable that the withdrawal function for the amount corresponding to is set to the voucher virtual account corresponding to the received voucher virtual account information.

If the financial transaction procedure is completed (1930), the server generates predetermined ledger record information including the financial transaction details corresponding to the payment of the voucher amount (1935), and the generated ledger is linked with the financial system. The record information is recorded in the account ledger corresponding to the welfare fund operation account and / or the virtual account ledger corresponding to the voucher virtual account (1940).

Here, the ledger record information is the amount corresponding to the payment amount information among the amounts deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) is the voucher virtual It is preferable to include at least one ledger information constituting the account ledger corresponding to the welfare fund management account and / or the virtual account ledger corresponding to the voucher virtual account to be withdrawn through the voucher virtual account corresponding to the account information. .

20 is a diagram illustrating a voucher amount payment process according to a voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, FIG. 20 illustrates a predetermined amount of a voucher amount into at least one voucher virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher amount payment system shown in FIG. 18. (E.g., the amount of a voucher amount payment system that pays at least one voucher subject periodically by a given welfare fund management institution (e.g., the Ministry of Health and Welfare and / or each municipality). A process of paying a predetermined voucher amount to at least one voucher virtual account using information provided in the predetermined payment information D / B 1835 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to infer various implementation methods for the voucher amount payment process according to the voucher-only payment virtual account operation. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 20, the payment server 1810 on the voucher payment system shown in FIG. 18 is referred to as " server " for convenience.

Referring to FIG. 20, the server illustrated in FIG. 18 is associated with payment information D / B 1835 for storing and processing at least one voucher subject information, voucher virtual account information, payment date and payment information, and payment amount information. A voucher amount (e.g., an amount that is periodically paid to at least one voucher subject by a given welfare fund management agency (e.g., the Ministry of Health and Welfare and / or each municipality)). At least one voucher subject information, voucher virtual account information, payment date and payment information and payment amount information are checked (2000).

A payment voucher amount (e.g., an amount that is periodically due to a given welfare fund management agency (e.g., the Ministry of Health and Welfare and / or each local government) to pay at least one voucher subject periodically) If at least one or more voucher subject information, voucher virtual account information, payment date and payment information and payment amount information is confirmed (2005), the server from the payment information D / B (1835) the at least one or more voucher subject information, Voucher virtual account information, amount payment date information and payment amount information are extracted (2010).

According to an embodiment of the present invention, the voucher subject information may include at least one voucher subject (eg, elderly living alone) who opened a predetermined voucher virtual account through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Voucher personal information (e.g., a pensioner, a low income party, a homeless person, etc.) , Voucher payment name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and the voucher certificate, or voucher card to prove that the voucher subject to the voucher subject in the welfare fund management institution Issuance, the voucher certificate (or voucher card) It comprises a woocheo specific information (e.g., the serial number (or serial number contained in the Voucher certificate), or the card number contained in the card voucher, etc.) are preferred.

Also, the voucher virtual account information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living alone, etc.) through the voucher virtual account opening system illustrated in FIGS. 1 and / or 4. It is preferable to include a virtual account number issued to a person (or a poor person), and / or a general beneficiary including at least one of poor credit, low-income, homeless, etc.).

In addition, the amount payment date and time information is a predetermined amount of voucher (e.g., a predetermined welfare fund of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government). An amount to be periodically paid by the operating agency (eg, the Ministry of Health and Welfare and / or each municipality) to at least one or more voucher subjects and / or to at least one or more voucher virtual accounts. It is preferable to include date and time information.

In addition, the payment amount information corresponds to the voucher subject information of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) at the payment date and time It is preferably made to include the amount to be paid to at least one voucher subject, and / or to at least one voucher virtual account corresponding to the voucher virtual account information.

Thereafter, the server is a predetermined amount of voucher (for example, a welfare fund management institution) of the amount deposited in 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). (E.g., the amount to be periodically paid to at least one voucher subject by the Ministry of Health and Welfare and / or each municipality) to at least one voucher subject and / or voucher virtual account included in the voucher amount payment information. Carry out the trading procedure (2015).

According to the implementation method of the present invention, the server is a welfare fund opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) at the payment date corresponding to the confirmed payment date information It is preferable to perform a financial transaction procedure in which the amount corresponding to the confirmed payment amount information among the amounts deposited in the management account is paid to the voucher virtual account corresponding to the confirmed voucher virtual account information from the welfare fund management account. .

Here, the financial transaction procedure withdraws the amount corresponding to the confirmed payment amount information of the amount deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government). Rather than depositing the voucher virtual account corresponding to the confirmed voucher virtual account information from the welfare fund management account, the payment amount information of the confirmed amount of money deposited in the welfare fund management account corresponding to the mother account of the voucher virtual account It is preferable that the withdrawal function for the amount corresponding to is set to the voucher virtual account corresponding to the confirmed voucher virtual account information.

If the financial transaction procedure is completed (2020), the server generates predetermined ledger record information including the financial transaction details corresponding to the payment of the voucher amount (2025), and the generated ledger is linked with the financial system. The record information is recorded in the account ledger corresponding to the welfare fund operation account and / or the virtual account ledger corresponding to the voucher virtual account (2030).

Here, the ledger record information is the amount corresponding to the payment amount information among the amounts deposited in the welfare fund management account opened in the name of the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) is the voucher virtual It is preferable to include at least one ledger information constituting the account ledger corresponding to the welfare fund management account and / or the virtual account ledger corresponding to the voucher virtual account to be withdrawn through the voucher virtual account corresponding to the account information. .

FIG. 21 illustrates a loan processing system for providing a voucher payment amount based loan service according to an embodiment of the present invention.

In more detail, in FIG. 21, a predetermined amount (for example, a voucher amount, various pensions and insurance benefits, etc.) is periodically paid to a predetermined voucher virtual account (or real account) through the voucher amount payment system shown in FIG. If the loan amount to be given to the voucher subject to the voucher, or the amount expected to be paid to the voucher virtual account (or real account) as a collateral The present invention relates to a system for providing a voucher payment amount based loan service for cashing (or prepaid) a predetermined amount to the voucher subject, and a person having ordinary knowledge in the art to which the present invention pertains, FIG. 21. Refer to and / or modify a loan processing system configuration that provides the voucher payment amount based loan service. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a loan is given to the voucher subject by the amount to be paid to the voucher virtual account (or real account) on the loan processing system shown in FIG. 21, or to the voucher virtual account (or real account). A component corresponding to at least one or more means and / or functional configurations for cashing (or prepaid) a predetermined amount to the voucher subject to the amount to be paid as the limit amount is referred to as "loan processing server 2100" for convenience. And a voucher subject receiving cash service (or using a prepaid payment) for the predetermined amount for convenience by setting the amount to be paid to the voucher virtual account (or real account) through the loan processing server 2100 as a limit amount. Customer ".

Referring to FIG. 21 according to an embodiment of the present invention, the loan processing system includes a financial transaction terminal 2145 used by at least one voucher subject and the voucher virtual account in association with the financial transaction terminal 2145. Or loan a predetermined amount to the voucher subject to the amount to be paid to the voucher, or limit the amount to be paid to the voucher virtual account (or the real account) to the voucher. A voucher virtual that is periodically paid a predetermined amount (e.g., voucher amount, various pensions and insurances) through the loan processing server 2100 to service (or prepaid) and the voucher amount payment system shown in FIG. It comprises a financial system provided with an account (or real account).

Referring to FIG. 21, the financial system uses a voucher amount payment system shown in FIG. 18, and a voucher virtual account (or real account) in which a predetermined amount (for example, a voucher amount, various pensions and insurances) is periodically paid. A computer system, comprising: an accounting system for processing a windowing service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or window); At least one non-face-to-face financial transaction means provided in the information system for processing information management, the interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network ( For example, in the Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to the system and / or 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 inter-component interfacing to components in the system, and predetermined information (eg, ledger information, and / or customer information) required for each function in a component in the financial system. , And / or management information, etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the 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. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

The financial transaction terminal 2145 is a window terminal 735 provided at at least one branch of a financial institution, and / or a wired terminal 1200 and / or a wireless terminal used for at least one non-face-to-face financial transaction used by a customer. 1205) comprises at least one.

According to an embodiment of the present invention, the customer visits the financial institution branch to receive a voucher payment amount based loan service, and the voucher payment amount through a window (or through a teller) provided at the financial institution branch. After filling out a prescribed application for the basic loan service (e.g., a document with a form for filling in at least one item of information for the voucher payment amount based loan service), and submitting the completed application to the clerk, The employee inputs (or selects) the information written in the application through a predetermined teller terminal 735, and the teller terminal 735 uses the inputted (or selected) information to the loan processing server through the network means. It is preferable to transmit to 2100.

Here, the loan processing server 2100 connected to the teller terminal 735 preferably comprises a ledger server provided on the predetermined financial system, and the teller terminal 735 and the loan processing server 2100. Preferably, the network means for connecting includes a financial network (eg, a network) for connecting a communication channel between the teller terminal 735 and the loan processing server 2100.

In the information registration system as described above, the financial network connecting the application form prepared by the customer, the teller terminal 735 and the teller terminal 735 and the loan processing server 2100 used by the teller staff is The customer performs a function of an information registration interface for registering loan application information in order to receive a voucher payment amount based loan service.

According to another embodiment of the present invention, the customer is the loan processing server through at least one client terminal of the wired terminal 1200 connected to a predetermined wired communication network and / or the wireless terminal 1205 connected to a predetermined wireless communication network. The client terminal is accessed (2100) and the loan application information for the voucher payment amount based loan service according to the present invention is input (or selected) through at least one user interface provided by the loan processing server 2100. Is preferably transmitted to the loan processing server 2100 provided on the [system] through a predetermined network means.

Here, the wired terminal 1200 connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the wireless terminal 1205 connected to the wireless communication network may include all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or 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.

Also, the loan processing server 2100 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 loan processing server 2100 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC according to the type of wireless communication network connected to the client terminal / Mobitex-based wireless data communication network, or / and preferably includes any type of wireless communication network proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the loan processing server 2100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the loan processing server 2100. 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 loan processing server 2100, 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 1200 and / or wireless terminals 1205. Detailed description is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal 1200 and / or a wireless terminal 1205 used by the customer, and connecting the client terminal and the loan processing server 2100 At least one wired and / or wireless communication network performs a function of an information registration interface for registering the loan application information for the customer to receive a voucher payment amount based loan service.

According to another exemplary embodiment of the present invention, the information registration terminal is an automatic teller machine connected to a predetermined financial network (for example, a financial common network) in addition to the window terminal 735 and / or the client terminal. An ATM), a cash dispenser (not shown) including a Cash Dispenser (CD), and / or a Public Switched Telephone Network (PSTN), VoIP (Voice over) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as an IP) network, and / or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or may further include a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, by which the present invention is not limited do.

In the information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automated teller machine (not shown) and the loan processing server 2100. The financial network that connects the customer to perform the function of the information registration interface for registering the loan application information in order to receive the voucher payment amount based loan service, and / or the information registration terminal is the call terminal (not shown) , The wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the loan processing server 2100 to allow the customer to receive a voucher payment amount based loan service. Perform a function of an information registration interface for registering loan application information, and / or affiliated with the financial institution that is the information registration terminal In the case of a terminal (and / or server) (not shown) provided in the building, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the loan processing server 2100 Network) performs a function of an information registration interface for registering the loan application information in order for the customer to receive a voucher payment amount based loan service.

According to the exemplary embodiment of the present invention, the loan processing server 2100 may determine a loan limit for loan application information received from the financial transaction terminal 2145. And / or payment information D / B that stores and stores customer information, customer account information, payment date information and payment amount information, which receive a predetermined amount from a local government, or the National Pension Service, or various insurance companies. 2140, or the payment information D / B (2140) is linked to process.

Here, the customer information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living alone, boys and girls) who opened a predetermined voucher virtual account through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Voucher subject personal information (e.g., voucher payable name, social security number) for a person (or poor) who has at least one of the above, and / or a general beneficiary including at least one of poor credit, low-income, homeless, etc. , Address, telephone number, mobile phone number, e-mail address, etc.), and if the voucher certificate or voucher card is issued to the voucher subject to the voucher subject, the voucher, Voucher-specific information (eg, voucher) included in a certificate (or voucher card) It is preferable to include the serial number (or unique number) contained in the certificate, or the card number included in the voucher card.

Alternatively, the customer information may include personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address) of pension recipients who receive a predetermined amount from the National Pension Service to the voucher virtual account (or real account). Address, etc.), and if the National Pension Service issued a certificate or card that proves to be a pensioner to the customer, the unique information included in the certificate (or card) (e.g., It is preferable to include the serial number (or unique number) contained in the certificate, or the card number included in the card.

Alternatively, the customer information may include personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail) of an insured customer who receives a predetermined amount from the at least one insurance company to the voucher virtual account (or real account). Address, etc.), and when the insurer issues a certificate to the customer, or a card, the unique information (eg, included in the certificate) included in the certificate (or card). A serial number (or a unique number), or a card number included in a card).

In addition, the customer account information is a voucher virtual account (or real account) that receives a predetermined amount from a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies. It is preferable to include the account number corresponding to).

In addition, the amount payment date and time information, the predetermined welfare fund management institutions (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies to pay a predetermined amount to the customer, or It is preferable to include the date and time information to be paid to the voucher virtual account (or real account) corresponding to the customer account information.

In addition, the payment amount information, a predetermined amount of money from a predetermined welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies, or It is preferable to include the amount to be paid to the voucher virtual account (or real account) corresponding to the customer account information.

According to the embodiment of the present invention, the loan processing server 2100 is characterized by comprising an interface unit 2105 for providing a predetermined loan processing interface to the financial transaction terminal 2145 through the network means. .

According to an exemplary embodiment of the present invention, the interface unit 2105 connects the financial transaction terminal 2145 with a predetermined communication channel based on the protocol stack defined in the network means, and connects the financial transaction terminal 2145 to the financial transaction terminal 2145. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the provided communication program.

For example, when the financial transaction terminal 2145 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2105 is based on the TCP / IP protocol and the financial transaction terminal 2145. And a communication channel, and provide a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the financial transaction terminal 2145 is provided with a predetermined amount payment program provided by the loan processing server 2100, the interface unit 2105 is based on the TCP / IP protocol. 2145) and a communication channel, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 21, the loan processing server 2100 is linked with the interface unit 2105 when a predetermined financial transaction terminal 2145 accesses the loan processing server 2100 through the interface unit 2105. Interface providing unit 2110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan application information from the financial transaction terminal 2145 to the financial transaction terminal 2145. And an information receiver 2115 for receiving predetermined loan application information transmitted from the financial transaction terminal 2145 through the user interface in connection with the interface unit 2105. It is characterized by.

The interface providing unit 2110 corresponds to a functional configuration provided in the financial transaction terminal 2145 when a predetermined financial transaction terminal 2145 is connected to the loan processing server 2100 through the interface unit 2105. Generate (or select) the loan application information to generate a predetermined user interface that can be transmitted to the loan processing server 2100 via the network means, and / or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 2105 may be provided to the financial transaction terminal 2145 through the network means.

Thereafter, the financial transaction terminal 2145 inputs (or selects) the loan application information based on the user interface, and inputs the input (or selected) loan application information through the network means to the loan processing server 2100. To send).

According to an embodiment of the present invention, the interface providing unit 2110 generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the financial transaction terminal 2145, and the interface It is preferable to provide the generated (or extracted) user interface to the financial transaction terminal 2145 through the unit 2105.

When the information receiving unit 2115 inputs (or selects) predetermined loan application information through the user interface in the financial transaction terminal 2145 and transmits the information through the network means, the information receiving unit 2115 cooperates with the interface unit 2105. Characterize in receiving loan application information.

According to the implementation method of the present invention, the loan application information is customer information (or customer account information) matching the customer information (or customer account information) stored in the payment information D / B (2140), loan application amount and loan It is preferable to include at least one or more periods.

In addition, when a predetermined unique code and / or password and / or card information associated with the customer account (eg, a voucher virtual account or a real account) is registered from the customer, the loan application information may be stored in the customer account (eg , A voucher virtual account, or a real account) preferably comprises a predetermined unique code and / or password and / or card information.

According to the present invention, the loan processing server 2100, the payment information D / B (2140) through the customer information (or customer account information) included in the loan application information received from a predetermined financial transaction terminal 2145 ), The loan limit check unit 2120 confirms the loan limit (or the cash service limit, or the prepayment limit) for the customer, and the predetermined loan amount (as determined by the loan limit check unit 2120). Or a loan processing unit 2125 for performing a financial transaction procedure for lending a cash service amount or a prepaid amount of money) and ledger record information corresponding to the financial transaction procedure performed by the loan processing unit 2125. And a ledger processing unit 2130 for recording in the ledger on the financial system.

When the loan limit check unit 2120 receives the loan application information from the financial transaction terminal 2145 through the information receiving unit 2115, through the customer information (or customer account information) included in the loan application information. By querying the customer information (or customer account information) stored in the payment information D / B 2140, a predetermined welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government), or the National Pension Service Corporation, or It is characterized in that the amount of payment to the customer from the various insurance companies, and the payment date and time for the payment amount.

Thereafter, the loan limit checking unit 2120 may provide a predetermined welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies during the loan period included in the loan application information. And comparing the total amount paid to the customer with the loan application amount included in the loan application information, thereby checking whether the loan application amount can be loaned to the customer (or cash service or prepayment). do.

If the check result indicates that the loan application amount cannot be loaned (or cash service or prepaid use) to the customer, the loan limit check unit 2120 is linked to the loan application information in connection with the interface provider 2110. Providing a user interface for adjusting the loan application amount and / or loan period included, and checking the payment limit D / B (2140) based on the adjusted loan application information to confirm the loan limit of the customer Can be repeated.

On the other hand, if it is possible to loan (or cash service or prepaid) the loan application amount to the customer as a result of the checking, the loan limit checking unit 2120 provides the checked loan application information to the loan processing unit 2125. do.

The loan processing unit 2125 processes the loan application amount included in the loan application information confirmed by the loan limit checking unit 2120 as a loan amount (or an amount of cash service or a prepaid amount used) for the customer, After calculating loan interest for the loan amount (or cash service amount or prepaid amount), the loan amount is withdrawn from a predetermined credit management account (for example, a financial institution account that loans a predetermined amount). And perform a loan (or cash service, or prepaid) based financial transaction procedure for depositing into an account (eg, the voucher virtual account, or real account, or a financial account designated by the customer).

Those skilled in the art to which the present invention belongs, withdraw the loan amount from a predetermined credit management account (for example, a financial institution account that loans a predetermined amount) to the customer account (for example, the voucher virtual account) Since you will be familiar with a loan (or cash service, or prepaid) based financial transaction procedure for depositing into a real account or a financial account designated by the customer, a detailed description thereof will be omitted for convenience.

When the loan processing unit 2125 performs a financial transaction procedure for lending the loan amount (or cash service amount or prepaid amount), the ledger processing unit 2130 may execute the loan (or cash service or prepaid amount). And) general ledger record information including financial transaction details (eg, loan history, cash service details, or prepaid usage details) corresponding to a financial transaction procedure, and recorded in the ledger on the financial system.

According to an embodiment of the present invention, the ledger record information may include the credit management account information, customer account information (for example, the voucher virtual account information or the real account information, or the financial account information designated by the customer), and the customer. It is preferable that the information (or customer account information), loan amount information, loan period information, at least one loan interest information.

According to the embodiment of the present invention, the ledger processing unit 2130 links and processes a predetermined loan ledger to an account ledger corresponding to the customer account in connection with the financial system through a predetermined communication means, and the linked loan By storing the ledger record information in the ledger, it includes financial transaction details (e.g., loan history, cash service details, or prepaid details) corresponding to the loan (or cash service or prepaid) based financial transaction procedure. The ledger record information is stored in the ledger D / B 200 on the financial system.

Ledger record information including the financial transaction details (eg, loan history, cash service details, or prepaid usage details) corresponding to the loan (or cash service or prepaid) based financial transaction procedure by the ledger processor 2130. In the ledger D / B 200 on the financial system, the loan processing unit 2125 is linked to the interface providing unit 2110, the financial transaction details (eg, loan history, cash service history, or prepayment). Usage history) is preferably output to the financial transaction terminal (2145).

According to the present invention, the loan processing server 2100, the payment information D / B from a predetermined welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies Periodically check whether the amount corresponding to the payment amount information stored in the 2140 is paid to the customer account (eg, a voucher virtual account or a real account), and the amount corresponding to the payment amount information is the customer account (eg, When the payment is made to a voucher virtual account or a real account), a loan settlement unit 2135 is provided to settle the loan amount and the loan interest through the payment amount.

The loan settlement unit 2135 may provide the payment information D / B through the customer information (or customer account information) included in the loan application information and / or the customer information (or customer account information) included in the ledger record information. 2140) by periodically checking, the payment date and time associated with the customer information (or customer account information) has come to a predetermined welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government), or national pension management It is characterized by checking whether or not the payment amount is paid to a customer account (eg, a voucher virtual account or a real account) corresponding to the customer account information from the corporation or various insurance companies.

Alternatively, the loan settlement unit 2135 checks a customer account (eg, a voucher virtual account or a real account) included in the ledger record information in connection with the financial system, thereby providing a predetermined welfare fund management institution (eg, health care). Through the predetermined amount payment server 1810 from the Ministry of Welfare and / or each local government, or the National Pension Service, or various insurance companies, a customer account (eg, a voucher virtual account, Or a real account).

As a result of the verification, a customer account (for example, a voucher corresponding to the customer account information, in which the payment amount corresponds to a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies) When it is confirmed that the payment is made to a virtual account or a real account), the loan settlement unit 2135 calculates a predetermined loan settlement amount of the payment amount and an amount corresponding to the loan interest included in the ledger record information. It is characterized by performing a loan settlement process of withdrawing the calculated loan settlement amount and loan interest from the customer account and deposits it into the credit management account included in the ledger record information.

When the customer account is the voucher virtual account according to an embodiment of the present invention, the calculated loan settlement amount and the loan interest are withdrawn from the mother account associated with the voucher virtual account to the credit management account included in the ledger record information. It is preferable to deposit.

When the loan settlement process is performed by the loan settlement unit 2135, the ledger processing unit 2130 generates ledger record information including a financial transaction history corresponding to the loan settlement process, and the financial system. And storing the generated ledger record information in the ledger D / B 200 on the financial system.

According to the method of the present invention, the ledger record information, it is preferable that the loan settlement date and time information, loan payment amount information, loan interest information, customer account information, credit management account information at least one or more.

22 is a diagram illustrating a loan processing process for providing a voucher payment amount based loan service according to an embodiment of the present invention.

In more detail, in FIG. 22, a predetermined amount (for example, a voucher amount, various pensions and insurance benefits, etc.) is periodically paid to a predetermined voucher virtual account (or real account) through the voucher amount payment system shown in FIG. 21. In such a case, the loan amount is predetermined to the voucher subject to the amount to be paid to the voucher virtual account (or real account), or the limit is set to the amount to be paid to the voucher virtual account (or the real account). The present invention relates to a process of providing a voucher payment amount based loan service for cashing (or prepaid) a predetermined amount to a voucher subject, and a person skilled in the art to which the present invention pertains refers to this figure 22 and And / or variations of the lending process to provide the voucher payment amount based loan service. Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 22.

Hereinafter, in FIG. 22, the financial transaction terminal 2145 on the loan processing system shown in FIG. 21 is called "terminal" for convenience, and the loan processing server 2100 on the loan processing system shown in FIG. 21 is called "server" for convenience. "

Referring to FIG. 22, when the terminal illustrated in FIG. 21 requests a connection and loan processing interface to the server through a predetermined network means (2200), the server inputs predetermined loan application information (or correspondingly). Select (or extract) the loan processing interface and transmit it to the terminal through the network means (2205).

Thereafter, the terminal inputs (or selects) predetermined loan application information through the loan processing interface (2210).

According to the implementation method of the present invention, the loan application information is customer information (or customer account information) matching the customer information (or customer account information) stored in the payment information D / B (2140), loan application amount and loan It is preferable to include at least one or more periods.

In addition, when a predetermined unique code and / or password and / or card information associated with the customer account (eg, a voucher virtual account or a real account) is registered from the customer, the loan application information may be stored in the customer account (eg , A voucher virtual account, or a real account) preferably comprises a predetermined unique code and / or password and / or card information.

If the loan application information is input (or selected) (2215), the terminal transmits the loan application information to the server through the network means (2220), and in response the server sends the payment information D / B In connection with (2140), through the customer information (or customer account information) included in the loan application information as a security loan or cash service to be paid to the customer account (eg voucher virtual account, or real account) A loan validity verification process corresponding to the loan application information confirming a predetermined loan limit for receiving or prepaid use is performed (2225).

According to the implementation method of the present invention, the loan validity verification process, the customer information stored in the payment information D / B (2140) through the customer information (or customer account information) included in the loan application information received from the terminal (Or customer account information), the amount paid to the customer from a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies, and the payment It is preferable to include confirming the payment date and time for the amount.

In addition, the loan validity verification process is the customer from a predetermined welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies during the loan period included in the loan application information And comparing the total amount paid to the customer with the loan application amount included in the loan application information to confirm whether the loan application amount can be loaned to the customer (or cash service or prepayment). Do.

If the loan validity corresponding to the loan application information is not confirmed (2230), the server generates (or extracts) a loan processing interface for adjusting the loan application amount and / or loan period included in the loan application information. The process of transmitting to the terminal, receiving the adjusted loan application information from the terminal, and repeating a process of checking loan validity corresponding to the adjusted loan application information.

If the loan validity corresponding to the loan application information is not confirmed (2230), the server performs a financial transaction procedure for lending the loan application amount included in the loan application information for which the loan validity is confirmed to the customer (2235). ).

According to the implementation method of the present invention, the financial transaction procedure for lending the loan application amount included in the loan application information for which the loan validity is confirmed to the customer, loans the loan application amount included in the loan application information to the customer. After processing the amount (or cash service amount or prepaid amount), calculating loan interest for the loan amount (or cash service amount or prepaid amount), a predetermined credit management account (e.g., a predetermined amount) Withdraw the loan amount from the financial institution account that loans the loan to the customer account (eg, the voucher virtual account or the real account, or the financial account designated by the customer) (or cash service or prepaid use) It is desirable to include an underlying financial transaction process.

Those skilled in the art to which the present invention belongs, withdraw the loan amount from a predetermined credit management account (for example, a financial institution account that loans a predetermined amount) to the customer account (for example, the voucher virtual account) Since you will be familiar with a loan (or cash service, or prepaid) based financial transaction procedure for depositing into a real account or a financial account designated by the customer, a detailed description thereof will be omitted for convenience.

If the financial transaction procedure is completed (2240), the server includes a loan-based financial transaction details corresponding to the financial transaction procedure for lending to the customer the loan application amount included in the loan application information confirmed the loan validity Ledger record information is generated (2245).

According to the implementation method of the present invention, the ledger record information including the loan-based financial transaction details, the credit management account information and customer account information (for example, the voucher virtual account information, or real account information, or the customer It is preferable to include at least one or more of the designated financial account information), customer information (or customer account information), loan amount information, loan period information, loan interest information.

Thereafter, the server stores the generated ledger record information in the ledger D / B 200 in association with the financial system (2250), and the generated loan-based financial transaction details (eg, loan) through the network means. Details, or cash service details, or prepaid usage details) is transmitted to the terminal (2255).

According to an embodiment of the present invention, the server links and processes a predetermined loan ledger to an account ledger corresponding to the customer account in connection with the financial system through a predetermined communication means, and the ledger is linked to the linked ledger. By storing the record information, the ledger record information including financial transaction details (eg, loan history, or cash service details, or prepaid details) corresponding to the loan (or cash service or prepaid) based financial transaction procedure It is preferable to store in the ledger D / B (200) on the financial system.

23 is a diagram illustrating a loan settlement process corresponding to a voucher payment amount based loan service according to an embodiment of the present invention.

In more detail, in FIG. 23, a predetermined amount of a customer account (eg, a voucher amount, various pensions and insurances, etc.) is periodically paid to the voucher virtual account (or real account) through the loan processing shown in FIG. 22. (E.g., a voucher amount, various pensions and insurances, etc.), if a loan is made to the customer, or a cash service is provided or prepaid, a predetermined welfare fund management institution (e.g., In the process of settlement of the loan amount through the amount (for example, voucher amount, pension and insurance amount, etc.) paid to the customer from the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies. As those skilled in the art to which the present invention pertains, the voucher may be referred to and modified with reference to FIG. Would be able to infer a variety of exemplary methods for the loan accounting process corresponding to the loan amount based services, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 23.

Hereinafter, the financial transaction terminal 2145 on the loan processing system shown in FIG. 21 is referred to as "terminal" in FIG. 23, and the loan processing server 2100 on the loan processing system shown in FIG. "

Referring to FIG. 23, a predetermined amount of a customer account (eg, a voucher amount, various pensions and insurances, etc.) is periodically paid to a voucher virtual account (or a real account) through the loan process shown in FIG. 22 ( For example, when a loan is made to a customer, a cash advance, or a prepaid loan is made with the voucher amount, various pensions and insurances as collateral, the server may provide a predetermined welfare fund management institution (e.g., , The Ministry of Health and Welfare and / or each local government), or the National Pension Service, or various insurers to determine whether the amount due to the customer is paid to the customer account (2300).

According to one embodiment of the present invention, the server provides the payment information through the customer information (or customer account information) included in the loan application information and / or the customer information (or customer account information) included in the ledger record information. By periodically checking the D / B 2140, a payment date and time associated with the customer information (or customer account information) arrives, and a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), Or from the National Pension Service or various insurance companies to determine whether the payment amount is paid to a customer account (eg, a voucher virtual account or a real account) corresponding to the customer account information.

According to another exemplary embodiment of the present invention, the server checks a customer account (eg, a voucher virtual account or a real account) included in the ledger record information in association with the financial system, thereby providing a predetermined welfare fund management institution ( For example, a customer account (eg, a voucher) whose payment amount corresponds to the customer account information through a predetermined amount payment server 1810 from the Ministry of Health and Welfare and / or each local government, or the National Pension Service, or various insurance companies. Virtual account, or real account) is characterized in that the check.

If the result of the check indicates that the amount of payment from a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies corresponds to the customer account information (for example, When it is confirmed that the payment is made to the voucher virtual account or the real account (2305), the server calculates an amount corresponding to a predetermined loan settlement amount of the payment amount and the loan interest included in the ledger record information (2310). In operation 2315, a loan settlement process is performed in which the calculated loan settlement amount and loan interest are withdrawn from the customer account and deposited into the credit management account included in the ledger record information.

When the customer account is the voucher virtual account according to an embodiment of the present invention, the loan settlement processing procedure may be withdrawn from the mother account associated with the voucher virtual account and the calculated loan settlement amount and loan interest to the ledger record information. It is desirable to include the process of depositing the included credit management account.

If the loan settlement processing procedure is completed (2320), the server generates ledger record information including the financial transaction history corresponding to the loan settlement processing process (2325), the ledger generated in connection with the financial system Record information is stored in the ledger D / B 200 on the financial system (2330).

According to the implementation method of the present invention, the ledger record information including the financial transaction history corresponding to the loan settlement processing process, the loan settlement date and time information, loan settlement amount information, loan interest information, customer account information, credit management account It is preferable to include at least one information.

According to the present invention, a predetermined amount of money (for example, a voucher amount, various pensions and benefits, etc.) from a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurers The customer receiving the payment has the advantage of receiving a predetermined loan amount by setting the payment amount as collateral.

According to the present invention, a predetermined amount of money (for example, a voucher amount, various pensions and benefits, etc.) from a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurance companies The customer who receives the payment has the advantage of receiving a predetermined amount of cash service by setting the payment scheduled amount as the limit.

According to the present invention, a predetermined amount of money (for example, a voucher amount, various pensions and benefits, etc.) from a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government), the National Pension Service, or various insurers The customer who receives the payment has the advantage of using the amount corresponding to the amount to be paid in advance.

Claims (4)

Receiving loan (or prepaid or cash advance) request information of a customer at a predetermined information receiving means; Confirming a welfare fund or the like that is to be paid to the loan (or prepaid or cash service) requesting customer in a predetermined information checking means; Performing the requested loan (or prepaid or cash advance) processing in consideration of the confirmed amount limit in a predetermined financial transaction processing means; And Link processing of the processed loan (or prepaid or cash service) details in the predetermined information storage means, account information in which welfare funds, etc., to be paid to the customer are deposited, and / or payer information for providing welfare funds, etc. to the customer. And storing and registering in a predetermined storage medium. The method of claim 1, In connection with the storage medium (or storage medium operating means) in a predetermined settlement processing means, after confirming whether the welfare fund, etc. to be paid to the customer is deposited in the account, and when the deposit is confirmed, the deposited amount is used. And processing the loan (or prepaid or cash service) amount corresponding to the loan (or prepaid or cash service) details. The method of claim 1, A loan (or prepaid or cash service) corresponding to the details of the loan (or prepaid or cash service) in connection with the payer who pays the welfare fund or the like to the customer in connection with the storage medium (or storage medium operating means) in a predetermined settlement processing means. Prepayment or cash service) The financial transaction processing method characterized in that it further comprises the step of processing the amount. A recording medium comprising a program for executing the method of any one of claims 1 to 3.

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