KR20080052764A - System and method for processing payment and program recording medium - Google Patents

Abstract

A system and a method for processing payment, and a program recording medium thereof are provided to invite voucher receivers of a welfare fund management agency and an insurance company as a customer by issuing a voucher card linked with a virtual payment card dedicated to a voucher to the voucher receiver and processing a part of payment with the voucher card. An information storing part(125) stores information of a voucher card to a storage medium by processing together the information of a secondary payment tool of a voucher receiver when a virtual payment account dedicated to a voucher is opened to the voucher receiver and the voucher card is issued to the voucher receiver. The voucher card uses the opened virtual payment account as a payment account. A payment processor processes a part of a payment amount with the virtual payment account corresponding to the voucher card and the remaining payment amount with the secondary payment tool of the voucher receiver when the voucher receiver requests payment with the voucher card.

Description

System and Method for Processing Payment and Program Recording Medium}

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

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

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

7 is a diagram illustrating a voucher card issuing system for the card payment processing associated with the payment virtual account according to the embodiment of the present invention.

8 is a diagram illustrating a voucher card issuing process for card payment processing associated with a payment virtual account according to an embodiment of the present invention.

9 is a diagram illustrating a face-to-face information registration system for payment through a voucher card according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a configuration of customer card linkage information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment through a voucher card according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a configuration of customer card linkage 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 payment through a voucher card according to another embodiment of the present invention. .

12 is a diagram illustrating a configuration of customer card linkage information stored in a DBMS provided in a payment server in a face-to-face manner for payment through a voucher card according to another exemplary embodiment of the present invention.

13 is a diagram illustrating a process of registering customer card linkage information in a face-to-face manner according to an embodiment of the present invention.

14 illustrates a non-face-to-face information registration system for payment through a voucher card according to another exemplary embodiment of the present invention.

15 is a diagram illustrating the configuration of customer card interworking information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for payment through the voucher card according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a configuration of customer card linkage information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a non-face to face payment method through a voucher card according to another exemplary embodiment of the present invention. to be.

FIG. 17 is a diagram illustrating a configuration of customer card interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for payment through a voucher card according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a process of registering customer card linkage information in a non-face-to-face manner for payment through a voucher card according to one embodiment of the present invention.

19A and 19B illustrate a process of registering customer card linkage information in a non-face-to-face manner for payment through a voucher card according to another exemplary embodiment of the present invention.

20 is a diagram illustrating a payment system configuration using a voucher card associated with at least one customer payment method according to an embodiment of the present invention.

21A, 21B, and 21C illustrate a payment process using a voucher card associated with at least one customer payment method according to an embodiment of the present invention.

22A, 22B, 22C, and 22D illustrate a payment process using a voucher card associated with at least one customer payment method according to another exemplary embodiment of the present invention.

23A, 23B, and 23C illustrate a payment process using a voucher card associated with at least one customer payment method according to another exemplary embodiment of the present invention.

24A, 24B, and 24C illustrate a payment process using a voucher card associated with at least one customer payment method according to another exemplary 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 issues a voucher card linked to a voucher-only payment virtual account to the voucher subject, stores and registers the issued voucher card information in association with the payment means (credit / debit / check card, etc.) held by the voucher subject. When the voucher is processed for the payment approval using the voucher card, the payment is processed by determining whether some of the payment can be processed through the voucher holder's own payment method connected with the voucher card. The present invention relates to a payment processing method and system for attracting a cashier and attracting the voucher customers to the cashier.

In various welfare funds operated by national institutions (e.g., the Ministry of Health and Welfare managing welfare funds, or local governments), and / or national pension funds operated by the National Pension Service, which operate national pensions, and / or insurance companies. Insured benefits, etc., must be paid to the beneficiaries.

However, when the beneficiary is provided with the creditor's financial account information due to a poor credit, the fund (or pension or insurance) is not transferred to the beneficiary, but is automatically transferred to the creditor. Many problems arise.

In particular, when the beneficiary is a person living alone (or a minority household) such as an elderly person living alone, a grandchild, or a low-income household, such as a child living alone, a fund (or pension or insurance) paid to the beneficiary may be It is directly linked to survival, including serious problems that can lead to very unfortunate situations if the funds (or pensions or insurance) are not paid to the recipient.

In addition, after the fund (or pension or insurance) is delivered to the beneficiary, the beneficiary must visit a financial institution directly in order to use the fund (or pension or insurance). In addition, since most funds (or pensions or insurance) are based on cash payments, in order for the beneficiaries to use the funds (or pensions or insurance) for electronic payments, they must withdraw cash through a financial institution. Inconvenience to pay or use the bank transfer remittance through the window.

An object of the present invention for solving the above problems is, when a predetermined account is opened for payment of a specific amount to a customer, and a predetermined card is issued with the opened account as a payment account, the issued card information is stored in the customer. Information storage means for interworking with information owned by the second payment means, such as a credit card, a debit card, a check card, and the like, and storing the information on a predetermined storage medium; Some of the payment processing through the account corresponding to the card, and the remaining portion of the payment to provide a payment processing system including a payment processing means for processing through a second payment means owned by the customer.

In the payment processing method according to the present invention, when a predetermined account is opened for payment of the specific amount to a customer who receives a certain amount of money, such as a welfare fund, and a predetermined card is issued using the opened account as a payment account, Storing the issued card information in an information storage means in association with information of a second payment means owned by the customer, such as a credit card, a debit card, a check card, and the like, on a predetermined storage medium; and the card of the customer. In the payment processing using, a predetermined payment processing means, a part of the payment amount is settled through a specific amount payment account corresponding to the card, the remaining part of the payment amount is a second payment means owned by the customer Characterized in that it comprises a payment processing step of processing the payment through.

According to the present invention, the payment processing step, when the payment processing through a specific amount payment account corresponding to the card, the payment processing amount of the payment amount operator (or payment amount operation related person) that is the mother account of the specific amount payment account; Withdrawal processing from the account is characterized in that.

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

On the other hand, in the payment processing system according to the present invention, when a predetermined account is opened for payment of a specific amount to a customer, and a predetermined card is issued using the opened account as a payment account, the issued card information is stored by the customer. Information storage means for processing in association with information owned second payment means-credit card, debit card, check card, etc.-stored in a predetermined storage medium and a portion of the payment amount during the payment processing using the card of the customer The payment processing is performed through the account corresponding to the card, and the remaining portion of the payment comprises a payment processing means for processing the payment through the second payment means owned by the customer.

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

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

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

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

Hereinafter, in order to effectively explain the technical features of the present invention, the virtual account is a "voucher virtual account" opened under the name of a predetermined voucher subject, and the parent account associated with the virtual account is a welfare fund management institution (eg, a health care institution). The preferred embodiment corresponding to "the welfare fund management account" opened in the name of the Ministry of Welfare and / or each local government) will be described. However, the virtual account shown in the present invention is not limited to the voucher virtual account and the mother account is not limited to the welfare fund operating account.

1 is a view showing a voucher virtual account opening system for opening a face-to-face voucher payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 1 shows that a predetermined welfare fund operation organization requests a voucher virtual account opening for a voucher payment virtual account opening through a face-to-face virtual account opening interface, and in the voucher virtual account opening system according to the present invention. A system for opening a voucher virtual account having a welfare fund management account opened in the name of a welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). Visit a financial institution's counter where a voucher virtual account is opened, fill out a predetermined virtual account opening application form, and submit it to a cashier. The cashier's predetermined account corresponds to the virtual account opening application through a predetermined counter terminal. If the application for opening information is provided, the voucher virtual account opening system according to the present invention The virtual account opening application information to the voucher subject to an implementation method of opening a voucher virtual account for opening the voucher payment virtual account.

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

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

Referring to FIG. 1 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher 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 operation institution visits the financial institution to open the voucher payment virtual account and through the window provided to the financial institution (or through a cashier) the voucher payment virtual account 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-paid virtual account) and / or the teller to the welfare fund management institution Visit the welfare fund management institution to prepare a virtual account opening application for opening the voucher payment virtual account), and submit the completed virtual account opening application to the window staff, and the window staff will receive a predetermined counter terminal. Input (or select) information entered in the virtual account opening application form through the The window terminal preferably transmits the input (or selected) information to the voucher virtual account opening server 100 provided on the voucher virtual account opening system through the financial network.

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

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

A financial institution that opens a voucher virtual account for opening the voucher payment virtual account to a predetermined voucher subject at the request of the welfare fund operation institution may have at least one financial transaction (eg, credit, reception, It is characterized by having a predetermined financial system for providing foreign exchange, financial investment, etc.) services.

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 the counter terminal, wherein the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to make.

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 for at least one financial transaction customer through the financial terminal, wherein the financial transaction service provides the voucher through opening and operating the voucher virtual account. It is preferable to include a financial transaction service for opening a virtual account.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service may be performed by opening and operating the voucher virtual account. It is preferable to include a financial transaction service for opening a voucher 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 or more wireless terminals (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or a GSM (Global) connected to a mobile Internet based network and / or a DataTAC / Mobitex-based wireless data 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 provides a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to comprise.

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. The IC chip-based non-face-to-face financial transaction service is provided, and the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating 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 smart phone, etc., wherein the financial transaction service is provided for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to include a transaction service.

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 payment virtual account through opening and operating the voucher virtual account. It is preferable.

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 Through 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 the voucher virtual account. It is preferable 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.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

The voucher virtual account opening server 100 provided on the voucher virtual account opening system according to the present invention is a generic term for the voucher virtual account opening system side component connected to the window terminal through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

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

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

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

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 the welfare fund management agency information requesting the voucher subject to open the voucher virtual account for the opening of the voucher payment virtual account, the voucher subject information and the virtual account It is preferable to include at least one welfare fund management account information corresponding to the parent account associated with.

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 persons) and / or voucher subject personal information (e.g., voucher beneficiary's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) Preferably, the welfare fund management institution, the voucher certificate to prove that the voucher is a subject, or a voucher card, if the voucher card, the voucher unique information contained in the voucher certificate (or voucher card) ( For example, the serial number (or unique) included in the voucher certificate Number), or the card number included in the voucher card).

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

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

In this case, the validity of the virtual account opening includes 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 on the financial system. It is preferable to make.

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

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment processing 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 view showing the configuration of a virtual account ledger according to the establishment of a face-to-face voucher payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates an account ledger corresponding to a welfare fund operation account provided in the ledger D / B 200 on the financial system for opening the voucher payment virtual account in the voucher virtual account opening system shown in FIG. 1. As for the configuration of the virtual account ledger to be processed in conjunction with, and those of ordinary skill in the art to which the present invention belongs, for the virtual account ledger configuration for opening a voucher payment virtual account by referring to and / or modified in the Figure 2 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. 2, the virtual account ledger corresponding to the voucher virtual account opened in the name of the voucher subject to open the voucher payment virtual account is processed in association with the account ledger corresponding to the welfare fund operation account and is present on the financial system. It is characterized in that the ledger D / B (200), the account ledger corresponding to the welfare fund management account is a predetermined customer corresponding to the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) It is characterized in that it is processed in conjunction with the ledger.

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

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

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

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

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

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

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

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

In more detail, in FIG. 3, in the voucher virtual account opening system shown in FIG. 1, a predetermined customer opens the voucher virtual account through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a financial network). When the voucher virtual account opening application information is transmitted to the server 100, the voucher virtual account opening server 100 opens a predetermined voucher virtual account based on the virtual account opening application information. As a matter of course, a person of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention in order to open the voucher virtual account for opening the voucher payment virtual account by referring to and / or modifying the drawing. It may be inferred, but the present invention encompasses all of the inferred implementation methods, as shown in FIG. It shall be defined.

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

Referring to Figure 3, the welfare fund management organization that wants to open a voucher virtual account to the voucher subject to open the voucher payment virtual account, if you create a predetermined virtual account opening application, and submits the completed virtual account opening application, The terminal provides the virtual account establishment application information included in the virtual account establishment application to the server through a virtual account establishment 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 the welfare fund management agency information requesting the voucher subject to open the voucher virtual account for the opening of the voucher payment virtual account, the voucher subject information and the virtual account It is preferable to include at least one welfare fund management account information corresponding to the parent account associated with.

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 persons) and / or voucher subject personal information (e.g., voucher beneficiary name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) for poor creditors, low-income, homeless persons, etc.) Preferably, the welfare fund management institution, the voucher certificate to prove that the voucher is a subject, or a voucher card, if the voucher card, the voucher unique information contained in the voucher certificate (or voucher card) ( For example, the serial number (or unique) included in the voucher certificate The call), or the card number, etc.) included in the voucher card preferably comprises.

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

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

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

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

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

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

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

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

If the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject is confirmed (330), the server is provided on the 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 It is desirable to request a voucher password registration for processing at least one financial transaction (through a channel).

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

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject information included in the virtual account opening application information. 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) owned by the voucher through the voucher subject personal information including at least one of a telephone number, a cell phone number, and an e-mail address. Etc.) to register the card information for processing at least one financial transaction by visiting the financial institution window (or through 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.

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

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

4 is a diagram illustrating a voucher virtual account opening system for opening a non-face-to-face voucher 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 payment virtual account through a virtual account opening interface including at least one non-face-to-face financial transaction channel. In the voucher virtual account opening system, a system for opening a voucher virtual account having a welfare fund operation account opened under 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. According to the present invention, if 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, In the voucher virtual account opening system, the virtual account opening application information is Half will be carried out on how to open a virtual account for the voucher voucher voucher paid virtual account opened in the person's name.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for constructing a voucher virtual account opening system for opening a voucher 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 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher payment virtual account may include a case where the voucher virtual account opening system supports a non-face-to-face voucher virtual account opening. The Welfare Fund management agency of the welfare fund management institution inputs (or selects) a predetermined virtual account opening application information, and transmits the voucher to the virtual account opening server 400, characterized in that the welfare fund management The engine terminal connects the communication channel with the voucher virtual account opening server 400 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. Open the voucher payment virtual account through the at least one user interface provided by the voucher virtual account opening server 400 through at least one client terminal of the wireless terminal connected to the voucher virtual account opening server 400 When the user inputs (or selects) virtual account opening application information for the client terminal, it is preferable to transmit the voucher virtual account opening server 400 provided on the voucher virtual account opening system through a predetermined network means.

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

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

The client terminal may output at least one user interface provided by the voucher virtual account opening server 400, and input and / or select at least one information through the user interface to establish the voucher virtual account opening server ( A function configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function for communicating with the voucher virtual account opening server 400, etc.) for transmission to the 400 is preferably provided.

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

In the voucher virtual account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the welfare fund operation organization, and the client terminal and the voucher virtual account opening server 400 is connected. The at least one wired network and / or 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 payment virtual account.

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

In the case of supporting a non-face-to-face voucher virtual account opening as described above, when the welfare fund operating institution terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the voucher virtual account opening server 400 performs 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 payment virtual account. And / or When the welfare fund operating institution terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the voucher virtual account opening server 400 In the wired telephone network and / or the wireless telephone network, the welfare fund operation organization registers the application for opening a virtual account to open the voucher-paid virtual account. And a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a welfare fund operation institution terminal, and / or the terminal (and not shown). And / or a server connecting the server (not shown) and the terminal (and / or server) (not shown) and the voucher virtual account opening server 400 are provided by the welfare fund operation institution for opening the voucher payment virtual account. Performs the function of the virtual account opening interface for registering virtual account opening application information.

A financial institution that opens a voucher virtual account for opening the voucher 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, reception) 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 the counter terminal, wherein the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to make.

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 for at least one financial transaction customer through the financial terminal, wherein the financial transaction service opens and operates the voucher virtual account. It is preferable to include a financial transaction service for opening a bank account.

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

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. The IC chip-based non-face-to-face financial transaction service is provided, and the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating 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 smart phone, etc., wherein the financial transaction service is provided for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to include a transaction service.

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 payment virtual account through opening and operating the voucher virtual account. It is preferable.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service provides a financial transaction for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is desirable to include a service.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the person skilled in the art 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. (Not shown), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and a person having ordinary knowledge in the art to which the present invention belongs, Since it 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 400 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 that is connected to the welfare fund operating institution terminal through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to the method of the present invention, the voucher virtual account opening server 400 is provided with an interface unit 405 for providing a predetermined virtual account opening interface to the welfare fund operation 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 405 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 405 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 400 is provided in the client terminal, the interface unit 405 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 405 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 405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the voucher virtual account opening program provided by the voucher virtual account opening server 400 is provided to the client terminal, the interface unit 405 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 400 connects the voucher virtual account opening server 400 to the voucher virtual account opening server 400 through the interface unit 405. 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. An information receiving unit 415 for receiving predetermined virtual account opening application information transmitted from the welfare fund operation institution terminal through the user interface in connection with the study 410 and the interface unit 405. 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 virtual account ledger generated in association with the information generation unit 420 for generating information and the account ledger of the financial account corresponding to the welfare fund operating account linked to the voucher virtual account in the ledger D / B on the financial system. And an information storage unit 425 for storing information.

The interface providing unit 410 corresponds to a functional configuration provided in the welfare fund operation organization terminal when a predetermined welfare fund operation organization terminal is connected to the voucher virtual account opening server 400 through the interface unit 405. Input (or select) the virtual account opening application information to generate a predetermined user interface that can be transmitted to the voucher virtual account opening server 400 through the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 405 to the welfare fund management engine 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 400.

According to an embodiment of the present invention, when the welfare fund operating 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 410 is Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 405. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 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 405. The virtual account establishment request information is received, and the received virtual account establishment application information is provided to the information generation unit 420.

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

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 in households, boys and girls, etc.) who are required to pay the welfare fund by the welfare fund management institution (or Poor persons) and / or voucher subject personal information (e.g., voucher beneficiary name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) for poor creditors, low-income, homeless persons, etc.) Preferably, the welfare fund management institution, the voucher certificate to prove that the voucher is a subject, or a voucher card, if the voucher card, the voucher unique information contained in the voucher certificate (or voucher card) ( For example, the serial number (or unique) included in the voucher certificate Number), or the card number included in the voucher card).

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

According to an embodiment of the present invention, the information receiving unit 415 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 includes 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 on the financial system. It is preferable to make.

The information generating unit 420 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 415. The virtual account ledger information is to be included in the parent account information associated with the virtual account, and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is subject to And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

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.

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generation unit 420, the information storage unit 425 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.

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

In more detail, FIG. 5 illustrates an account ledger corresponding to a welfare fund operation account provided in the ledger D / B 500 on the financial system for opening the voucher payment virtual account in the voucher virtual account opening system shown in FIG. 4. As to the configuration of the virtual account ledger to be processed in conjunction with, and those of ordinary skill in the art to which the present invention belongs, for the virtual account ledger configuration for opening a voucher 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 payment virtual account is processed in association with an account ledger corresponding to the welfare fund operation account and is present on the financial system. It is characterized in that the ledger D / B 500, the account ledger corresponding to the welfare fund management account is a predetermined customer corresponding to the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) It is characterized in that it is processed in conjunction with the ledger.

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

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

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

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

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of the voucher payment, transfer of funds, or the like) to be included in the account ledger provided in the ledger D / B 500 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, and the actual balance of the voucher virtual account is deposited in the welfare fund operation 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.

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

In more detail, FIG. 6 illustrates a client terminal and a network in which a predetermined customer includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the voucher virtual account opening system shown in FIG. 4. Means) transmits a predetermined virtual account opening application information to the voucher virtual account opening server 400 through the voucher virtual account opening server 400, and the voucher virtual account opening server 400 requests the virtual account opening. As a process for opening a predetermined voucher virtual account based on information, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 6 to open the voucher payment virtual account Although various implementation methods of opening a voucher virtual account may be inferred, the present invention may be inferred from the above implementation. It includes both the method and 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 400 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 payment virtual account accesses the server through the network means using the terminal, and the server A request for a virtual account opening interface for opening a voucher virtual account is requested (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 the welfare fund management agency information requesting the voucher subject to open the voucher virtual account for the opening of the voucher payment virtual account, the voucher subject information and the virtual account It is preferable to include at least one welfare fund management account information corresponding to the parent account associated with.

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 persons) and / or voucher subject personal information (e.g., voucher beneficiary name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) for poor creditors, low-income, homeless persons, etc.) Preferably, the welfare fund management institution, the voucher certificate to prove that the voucher is a subject, or a voucher card, if the voucher card, the voucher unique information contained in the voucher certificate (or voucher card) ( For example, the serial number (or unique) included in the voucher certificate 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 500 on the financial system as 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).

Here, the virtual account opening validity check is to check whether a financial account corresponding to the welfare fund management account information included in the virtual account opening application information is opened as a real account in the ledger D / B 500 on the financial system. It is preferable to include what is included.

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 500 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 among the at least one account ledger provided on the ledger D / B 500 on the financial system. (635).

If the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject is confirmed (640), the server is provided on the welfare D / B 500 on the financial system A virtual account ledger of the name of the voucher subject to be processed in association with an account ledger corresponding to a fund management account (645), and an account ledger corresponding to the welfare fund management account to the ledger D / B 500 on the financial system; The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (650).

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

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

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund 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).

7 is a diagram illustrating a voucher card issuing system for card payment processing associated with a payment virtual account according to an embodiment of the present invention.

In more detail, Figure 7 shows a payment virtual account opened in the name of a customer through the voucher virtual account opening system shown in Figs. 1 and / or 4 to a voucher card issuing system through a predetermined card issuing interface. When providing predetermined card issuance application information for linked card payment processing, the voucher card issuing system opens the voucher virtual account shown in Figs. 1 and / or 4 to the customer based on the provided card issuance application information. The system configuration for issuing a voucher card associated with a payment virtual account opened in the name of the customer through the system, and those skilled in the art to which the present invention pertains, refer to and / or modify the present invention Various rooms for the composition of voucher card issuing system for card payment processing linked with payment virtual account 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 7.

Hereinafter, at least one means and / or function of issuing a predetermined voucher card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the voucher card issuing system shown in FIG. Components corresponding to the configuration are referred to as "card issuing server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a voucher card for card payment processing associated with a payment virtual account opened in a customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 The issuing system is characterized in that it comprises a teller terminal used by the card issuing staff equipped with at least one financial institution, and / or if the voucher card issuing system supports a non-face-to-face card issuance application, the And a client terminal including at least one wired terminal and / or a wireless terminal used by a customer, wherein the teller terminal and / or the client terminal are provided on the voucher card issuing system through a predetermined network means. The card issuing server 700 and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer sends the card to the financial institution for card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Visit a window (or through a card issuing staff) provided at the financial institution to process a predetermined card issuance application (e.g., a card payment process associated with a payment virtual account) for card payment processing associated with the payment virtual account. A document having a form for filling in at least one information item for the purpose of the document) (or the card issuer visits the customer and asks the customer to prescribe a card payment process associated with the payment virtual account). Complete the card issuance application), and submit the completed card issuance application form to the card issuing staff. The card issuing staff enters (or selects) the information entered in the card issuance application through a predetermined counter terminal, and the counter terminal transmits the entered (or selected) information to the voucher card issuing system through the network means. It is preferable to transmit to the card issuing server 700 provided on.

Here, the teller terminal preferably comprises a teller terminal used by the card issuing staff provided in the financial institution, the card issuing server 700 connected to the teller terminal on the predetermined financial system It is preferable to include a ledger server provided, the network means for connecting the teller terminal and the card issuing server 700 is a financial network (for example, connecting the communication channel between the teller terminal and the card issuing server 700) It is preferable to comprise a network).

In the voucher card issuing system as described above, the card issuance application prepared by the customer, the window terminal used by the card issuing staff and the financial network connecting the window terminal and the card issuing server 700 is the customer Perform a function of the card issuing interface for registering the card issuing application information for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 .

According to another exemplary embodiment of the present invention, when the voucher card issuing system supports a non-face-to-face card issuance application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. The voucher virtual account shown in FIGS. 1 and / or 4 is connected to the card issuing server 700 through at least one client terminal, and through at least one user interface provided by the card issuing server 700. When the card issuing application information for card payment processing associated with the payment virtual account opened in the customer's name is opened (or selected) through the establishment system, the client terminal is provided on the voucher card issuing system through a predetermined network means. It is preferable to transmit to the issued card issuing server 700.

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

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

In addition, the client terminal outputs at least one user interface provided by the card issuing server 700, and inputs and / or selects at least one or more information through the user interface to the card issuing 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 card issuing 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 voucher card issuing system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired network connecting the client terminal and the card issuing server 700. And / or the wireless network registers the card issuing application information for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Functions as a card issuing interface for

According to another exemplary embodiment of the present invention, when the voucher card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 740 may be provided with a predetermined financial amount in addition to the counter terminal and / or the client terminal. And further comprising an automated teller machine (not shown) including a cash automatic teller machine (ATM), a cash dispenser (CD) connected to a network (eg, a financial common network), and / or It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network. The terminal further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as, and / or is provided in at least one or more institutions affiliated with the financial institution (and / The server) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 740 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( The financial network connecting the card issuing server 700 and the card is linked to the payment virtual account opened in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Performs a function of a card issuing interface for registering card issuing application information for payment processing, and / or when the card issuing terminal 740 is the call terminal (not shown), the call terminal (not shown) and The wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the card issuing server 700 may be configured by the customer to open a voucher virtual account shown in FIGS. 1 and / or 4. The financial institution that functions as a card issuing interface for registering card issuing application information for card payment processing associated with a payment virtual account opened in a customer's name through a system, and / or the card issuing terminal 740 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the terminal, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuance The network connecting the server 700 is a card issuing application information for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 Performs the function of the card issuing interface to register the.

According to the method of the present invention, the card issuance application information is issued to the voucher card through the voucher card issuing system shown in FIG. 7 (or the voucher virtual account opening system shown in FIGS. 1 and / or 4). Customer information corresponding to the payment virtual account opened through the virtual account and the virtual account information corresponding to the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable.

Here, the customer information included in the card issuance application information may include customer personal information corresponding to the payment virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 (eg, customer name and social security number). , Address, telephone number, mobile phone number, e-mail address, etc.), and if the voucher certificate or voucher proof card is issued to the customer by the welfare fund management institution, the voucher certificate. (Or voucher card) preferably includes customer unique information (e.g., serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card).

The virtual account information included in the card issuance application information may include at least a virtual account number corresponding to the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include one or more.

The card information D / B 735 provided on the voucher card issuing system according to the present invention issues a predetermined voucher card to the customer based on the card issuing application information provided from the card issuing terminal 740. Thereafter, the predetermined voucher card information generated in correspondence with the issuance of the voucher card and the customer information and the virtual account information included in the card issuance application information are stored in a cooperative process.

According to an embodiment of the present invention, the card information D / B 735 is preferably provided in a DBMS on a predetermined financial system provided on the voucher card issuing system (or associated with the voucher card issuing system). In this case, the card information D / B 735 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 735 is provided on (or associated with) the voucher card issuing system, and / or the Internet banking system, and / or the telebanking. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the wireless banking system, and / or the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 735 is a server that performs a predetermined information processing function using the voucher card information, virtual account information and customer information on the voucher card issuing system. (Or a device) is preferably provided in a predetermined DBMS, wherein the location where the card information D / B 735 is provided may be variously implemented according to the intention of those skilled in the art, whereby the present invention It is not limited.

The card issuing server 700 provided on the voucher card issuing system according to the present invention is a generic term for the voucher card issuing system side component connected to the card issuing terminal 740 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to the embodiment of the present invention, the card issuing server 700 is characterized by comprising an interface unit 705 for providing a predetermined card issuing interface to the card issuing terminal 740 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 740 is a window terminal connected to a predetermined financial network, the interface unit 705 may be connected to the window terminal based on the protocol stack defined in the financial 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 the card issuing application program provided in the window terminal.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 705 ) Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 700, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP 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 card issuing terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 705 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 700, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 7, the card issuing server 700 is interlocked with the interface unit 705 when a predetermined card issuing terminal 740 is connected to the card issuing server 700 via the interface unit 705. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 740 to the card issuing terminal 740. 710 and an information receiving unit 715 for receiving predetermined card issuing application information transmitted from the card issuing terminal 740 via the user interface in connection with the interface unit 705 and transmitting the selected card issuing information. An information generation unit 725 for generating predetermined voucher card information corresponding to the voucher card to be issued to the customer based on the received card issuing application information, and through a predetermined card issuing device A card issuing unit 730 for issuing a predetermined voucher card including the voucher card information, and the voucher card information corresponding to the voucher card issued to the customer, the virtual account information, and the customer information in association with the card information D. And an information storage unit 720 stored in / B 735.

The interface providing unit 710 corresponds to a functional configuration provided in the card issuing terminal 740 when a predetermined card issuing terminal 740 is connected to the card issuing server 700 through the interface unit 705. To generate (or select) the card issuing application information and to transmit the card issuing information to the card issuing server 700 via the network means, and / or to extract it from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 705 may be provided to the card issuing terminal 740 through the network means.

Thereafter, the card issuing terminal 740 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. Send to 700.

According to an embodiment of the present invention, when the card issuing terminal 740 is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 710 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 705 to the client. It is desirable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

The information receiving unit 715 inputs (or selects) predetermined card issuing application information from the card issuing terminal 740 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 725.

According to an embodiment of the present invention, the card issuance application information is issued through the voucher card issuing system shown in the interface providing unit 710 (or the voucher virtual shown in Figures 1 and / or Figure 4) Customer information corresponding to the payment virtual account opened through the account opening system and a virtual account corresponding to the payment virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable to include information.

Here, the customer information included in the card issuance application information may include customer personal information corresponding to the payment virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 (eg, customer name and social security number). , Address, telephone number, mobile phone number, e-mail address, etc.), and if the voucher certificate or voucher proof card is issued to the customer by the welfare fund management institution, the voucher certificate. (Or voucher card) preferably includes customer unique information (e.g., serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card).

The virtual account information included in the card issuance application information may include at least a virtual account number corresponding to the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include one or more.

The information generating unit 725 generates predetermined voucher card information to be provided in the voucher card to the customer based on the card issuing application information received through the information receiving unit 715.

The voucher card information may include a predetermined voucher card number, and additionally, the voucher card validity period and / or customer specific information assigned to the customer by the welfare institution (eg, included in the voucher certificate). Serial number (or unique number), or the card number included in the voucher proof card, etc.) is preferably further included.

When the predetermined voucher card information included in the voucher card is generated by the information generation unit 725, the card issuing unit 730 generates a voucher card including the voucher card information through a predetermined card issuing device. (Or having the voucher card information on the voucher card), the voucher card is provided (or shipped) to the customer.

If the voucher card is an MS (Magnetic Stripe) card, the card issuing device records the voucher card information on at least one or more MS tracks (eg, track I, track II, track III) included in the voucher card. In this case, the information generation unit 725 generates the voucher card information in a data structure that can be recorded on at least one or more MS tracks, the card issuing unit 730 through the card issuing device By recording the information on at least one MS track, a predetermined voucher card to be issued to the customer is issued.

Alternatively, if the voucher card is an IC (Integrated Circuit) card, the card issuing device comprises a device for recording the voucher card information in a memory provided on the IC chip of the voucher card, wherein the information generation unit 725 generates the voucher card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 730 receives the voucher card information through the card issuing device. By recording in the memory of the IC chip, a predetermined voucher card to be issued to the customer is issued.

The voucher card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer uses the voucher card through the voucher card issuing system according to the present invention. Done.

Thereafter, the information storage unit 720 includes the voucher card information generated through the information generation unit 725 and the virtual card included in the card issuance application information received from the customer through the information receiving unit 715. The account information and the customer information are linked and stored in the card information D / B 735.

8 is a diagram illustrating a voucher card issuing process for card payment processing associated with a payment virtual account according to an embodiment of the present invention.

In more detail, in FIG. 8, in the voucher card issuing system shown in FIG. 7, a predetermined customer may select a card issuance interface (e.g., a card issuance application, a counter terminal, a network means, or a wired terminal and / or a wireless terminal). Through the voucher virtual account opening system shown in FIG. 1 and / or FIG. 4 to the card issuing server 700 through the card issuing server 700 via a client terminal and a network means including one or more). When the predetermined card issuance application information for the card payment processing associated with the paid virtual account is provided, the card issuance server 700 provides the customer with the drawings 1 and / or 4 based on the provided card issuance application information. The process of issuing a voucher card linked to a payment virtual account opened in the customer's name through the voucher virtual account opening system shown in For those skilled in the art to which the present invention pertains, various inferences on how to issue the voucher card for card payment processing associated with the payment virtual account by referring to and / or modifying this figure 8 are inferred. It should be noted that the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 8 illustrates that the voucher card is produced and provided (or shipped) to the customer, and then, the card information D / B 735 stores predetermined voucher card information, virtual account information, and customer information. However, according to the intention of the person skilled in the art, the process of storing the predetermined voucher card information, the virtual account information and the customer information in the card information D / B 735 is performed before the voucher card is produced or by the voucher card. It may be performed after being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 8, the card issuing terminal 740 shown in FIG. 7 is referred to as a "terminal" for convenience, and the card issuing server 700 is referred to as a "server" for convenience.

Referring to FIG. 8, in order to receive the voucher card for the card payment processing associated with the payment virtual account, the customer requests a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface. And / or when the voucher card issuing system shown in FIG. 7 supports a non-face-to-face card issuance application, the customer inputs (or selects) predetermined card issuance application information through a predetermined client terminal. Thereafter, the card issuing application information is provided to the server through a predetermined card issuing interface (800).

The card issuing interface may include a card issuance application written by the customer, a teller terminal used by the financial institution employee, and a network means for connecting the teller terminal and the server. In the case of supporting a non-face-to-face card issuing application, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface receives a voucher card through the voucher card issuing system shown in FIG. 7 (or the voucher shown in FIGS. 1 and / or 4). Customer information corresponding to the payment virtual account opened through the virtual account opening system; and a virtual account corresponding to the payment virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable to include information.

Here, the customer information included in the card issuance application information may include customer personal information corresponding to the payment virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 (eg, customer name and social security number). , Address, telephone number, mobile phone number, e-mail address, etc.), and if the voucher certificate or voucher proof card is issued to the customer by the welfare fund management institution, the voucher certificate. (Or voucher card) preferably includes customer unique information (e.g., serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card).

The virtual account information included in the card issuance application information may include at least a virtual account number corresponding to the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferred to include one or more.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the voucher card can be issued to the customer (805).

Here, the card issuance validity confirmation is the virtual account information to the customer through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 based on the customer information and virtual account information included in the card issuance application information It is preferable to include checking whether a payment virtual account corresponding to the bank is established.

If the validity to issue the voucher card to the customer is not authenticated through the card issuing application information (810), the server provides card issuing error information to the customer through the card issuing interface (815). Stop issuing the voucher card to the customer.

If the validity for issuing the voucher card to the customer is authenticated through the card issuing application information (810), the server corresponds to a predetermined voucher card corresponding to the voucher card to be issued to the customer based on the card issuing application information. The information is generated (820).

The voucher card information may include a predetermined voucher card number, and additionally, the voucher card validity period and / or customer specific information assigned to the customer by the welfare institution (eg, included in the voucher certificate). Serial number (or unique number), or the card number included in the voucher proof card, etc.) is preferably further included.

According to an embodiment of the present invention, if the voucher card is an MS card, the generated voucher card information preferably includes a data structure recordable in at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the voucher card is an IC card, the generated voucher card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server manufactures a predetermined voucher card including the voucher card information through a predetermined card issuing device and provides (or delivers) the predetermined voucher card to the customer (825).

According to an embodiment of the present invention, if the voucher card is an MS card, the card issuing device may apply the voucher card information to at least one or more MS tracks (eg, track I, track II, track III) included in the voucher card. It is preferable to include an apparatus for recording.

According to another exemplary embodiment of the present invention, if the voucher card is an IC card, the card issuing device preferably includes an apparatus for recording the voucher card information in a memory provided in the IC chip of the voucher card.

Thereafter, the server associates the generated voucher card information with the virtual account information provided from the customer and the customer information through the card issuing interface and stores the same in the predetermined card information D / B 735 (830).

According to an embodiment of the present invention, the card information D / B 735 is provided in a DBMS on a predetermined financial system provided on the voucher card issuing system (or associated with the voucher card issuing system), and / Alternatively, the voucher card issuing system is preferably provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the voucher card information, virtual account information and customer information.

9 is a diagram illustrating a face-to-face information registration system for payment through a voucher card according to an embodiment of the present invention.

In more detail, FIG. 9 is connected to a payment virtual account opened under a predetermined customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher card issuing system shown in FIG. After the predetermined voucher card is issued, the customer information and customer payment card information (e.g., a predetermined credit card company (or a credit card company) for payment by the customer through the voucher card according to the present invention through the predetermined information registration interface. Credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by a financial institution) and voucher card information ( For example, at least one card information issued to the customer through the voucher card issuing system shown in FIG. When providing the customer card interworking information including the above, the predetermined information storage system 930 by linking the customer payment card information and the voucher card information using the customer information included in the provided customer card linkage information in the information registration system As a person of ordinary skill in the art to which the present invention pertains, a variety of information registration system configurations for payment through a voucher card can be referred to and / or modified with reference to FIG. 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.

Hereinafter, at least one means and / or functional configuration for storing the customer card interworking information provided from the customer on the storage medium 930 through a predetermined information registration interface shown in FIG. The corresponding component is referred to as " information registration server 900 " for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, an information registration system for payment through a voucher card according to the present invention includes an information registration including a counter terminal 935 provided at at least one financial institution branch. Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the information registration server 900 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 payment through the voucher card according to the present invention, and the voucher through a window (or through a teller) provided at the financial institution branch. Fill out a prescribed application for payment via card (e.g., a document with a form for filling in at least one item of information for payment through a voucher card) and submit the completed application to the teller. The teller employee inputs (or selects) the information written in the application through a predetermined teller terminal 935, and the teller terminal 935 sends the input (or select) the information through the financial network. It is preferable to transmit to the information registration server 900 provided on the registration system.

Here, the teller terminal 935 preferably comprises a manager terminal used by the teller staff provided at the financial institution branch, the information registration server 900 connected to the teller terminal 935 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the window terminal 935 and the information registration server 900 is the communication between the window terminal 935 and the information registration server 900 It is preferable to include a network for connecting the channels.

In the information registration system as described above, the application network prepared by the customer, the window terminal 935 used by the teller staff and the financial network connecting the window terminal 935 and the information registration server 900 is the customer. The function of the information registration interface for registering the customer card linkage information for payment through the voucher card according to the present invention.

The storage medium 930 provided on the information registration system according to the present invention links the customer payment card information and the voucher card information by using the customer information included in the customer card interworking information provided from the information registration terminal. Process and store the data in a predetermined storage medium 930.

Here, the customer information may include at least one or more customers (eg, elderly living alone, grandchildren, children living in households, boys and girls, etc.) who are required to pay the welfare fund by a predetermined welfare fund management institution (or Poor) and / or customer personal information (e.g., customer name, social security number, address, phone number, mobile phone number, e-mail address, etc.) for poor credit, low income, homeless persons, etc. Preferably, if the welfare fund management institution has issued a voucher certificate or voucher card to the customer to prove that the customer, the customer specific information contained in the voucher certificate (or voucher card) (for example, voucher certificate) Including the serial number (or unique number) included or the card number included on the voucher card) From being bait it is preferred.

According to the method of the present invention, the customer corresponding to the customer information is credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means from at least one card company (or financial company) It is preferable that a payment card having at least one payment method is issued, and through the voucher virtual account opening system shown in FIGS. 1 and / or 4 using the voucher card issuing system shown in FIG. It is preferable that a predetermined voucher card is issued in association with the opened virtual account under the customer's name.

In addition, the customer payment card information, the customer is credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by at least one card company (or financial company) It is preferable that at least one or more of the payment means comprises at least one or more of the card company information, card number, expiration date information and the like corresponding to the payment means.

Further, the voucher card information is linked to the payment virtual account of the customer's name opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 using the voucher card issuing system shown in FIG. And a voucher card number corresponding to the given voucher card, and additionally, the voucher card expiration date and / or customer unique information assigned to the customer by the welfare institution (eg, a serial number included in the voucher certificate (or Unique number), or the card number included in the voucher proof card).

According to one embodiment of the invention, the storage medium 930 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 930 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 930 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 900 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 935 connected to a predetermined financial network, the information registration server 900 is connected to the window terminal 935 through a predetermined financial network. It may be a ledger server provided on the financial system, 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. This is not limited.

According to the embodiment of the present invention, the information registration server 900 is characterized in that it comprises an interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 935 connected to a predetermined financial network, the interface unit 905 is based on the protocol stack defined in the financial network. 935 and a predetermined communication channel, 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 financial transaction-related program included in the window terminal 935. Do.

Referring to FIG. 9, when the predetermined information registration terminal accesses the information registration server 900 through the interface unit 905, the information registration server 900 interworks with the interface unit 905 to provide the information. An interface providing unit 910 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer card interworking information from the registration terminal to the information registration terminal, and the interface unit 905. Information receiving unit 915 for receiving predetermined customer card interworking information input (or selected) and transmitted from the information registration terminal through the user interface, and confirming the validity of the received customer card interworking information. The customer verification card 920 and the customer billing card information and the bow using the customer information included in the customer card linkage information is confirmed validity Associated processing the card information will be characterized by comprising an information storage unit (925) for storing in a storage medium (930).

The interface providing unit 910, when a predetermined information registration terminal is connected to the information registration server 900 through the interface unit 905, the customer card interworking information corresponding to the functional configuration provided in the information registration terminal Input (or select) to generate a predetermined user interface that can be transmitted to the information registration server 900 via the financial network, and / or extracted from a predetermined database (not shown), and the interface unit 905 And the user interface generated (or extracted) to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) customer card interworking information including at least one of the customer information, customer payment card information, and voucher card information based on the user interface, and the input (or selected) The customer card interworking information is transmitted to the information registration server 900 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 935 connected to a predetermined financial network, the interface providing unit 910 may be a financial transaction related program provided in the window terminal 935. 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 counter terminal 935 through the interface unit 905.

The information receiving unit 915 inputs (or selects) customer card interworking information including at least one of customer information, customer payment card information, and voucher card information through the user interface in the information registration terminal through the financial network. When transmitting, the customer card interworking information is received in cooperation with the interface unit 905, and the received customer card interworking information is provided to the validity confirming unit 920.

The validity confirming unit 920 may be configured to check whether the customer card interworking information received from the information registration terminal satisfies the validity for payment through the voucher card.

According to an embodiment of the present invention, the validity confirmation of the customer card interworking information, the voucher virtual account opening system shown in Figure 1 and / or Figure 4 in the ledger D / B on the financial system associated with the information registration system It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card interlocking information of at least one or more voucher virtual account registered through the.

In addition, the validity check of the customer card linkage information, the card ledger corresponding to the voucher card corresponding to the customer information included in the customer card linkage information in the ledger D / B on the financial system associated with the information registration system (eg A voucher card ledger issued to the customer in association with the payment virtual account through the voucher card issuing system shown in FIG. 7, or the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include whether the voucher card ledger associated with the payment virtual account opened in the name) is provided.

In addition, the validity check of the customer card linkage information, the card ledger corresponding to the customer payment card matching the customer information included in the customer card linkage information in the ledger D / B on the financial system associated with the information registration system ( For example, it is preferable to include checking whether a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card is provided.

When the validity of the customer card interworking information is confirmed, the information storage unit 925 processes the customer payment card information and the voucher card information in association with the customer information included in the customer card interlocking information and stores the storage medium ( 930, and when the storage medium 930 is provided in the information registration server 900 or on the network associated with the information registration server 900, the information storage unit ( In operation 925, the customer payment card information and the voucher card information may be linked and stored in the storage medium 930 using the customer information included in the received customer card interworking information, and the storage medium 930 may be used. Is stored in the DBMS provided on the financial system, the information storage unit 925 is the customer payment car using the customer information included in the received customer card linkage information Provide information and card voucher information to step through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

10 is a diagram showing the configuration of customer card interworking information stored in the ledger D / B (1000) provided in the DBMS on the financial system in a face-to-face manner for payment through the voucher card according to an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 930 illustrated in FIG. 9 is a ledger D / B 1000 provided in a DBMS on a financial system, the FIG. 10 includes the ledger information provided in the ledger D / B 1000. An information configuration for an embodiment of the method of storing and processing the customer payment card information and the voucher card information by using the customer information included in the customer card interlocking information, which is common in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various information construction methods for storing the customer card linkage information in the ledger D / B 1000 by referring to and / or modifying the drawing 10, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 may include: The ledger D / B 1000 on the financial system is processed in connection 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 (eg, , The Ministry of Health and Welfare and / or each local government) is linked to a predetermined customer ledger.

Here, the customer ledger corresponding to the welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) may include a customer information file (CIF) number, country code, contact person ID, branch number, 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 Address, Account Number, President , Sector, legal representative, date of first transaction, 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 The account ledger included in the ledger D / B 1000 (or the virtual account to which the customer requests at least one financial transaction (e.g. withdrawal of voucher payments, transfers, or voucher payments). It is preferred to include at least one ledger information) to be provided for processing).

In addition, the customer (eg, at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and the voucher card associated with the virtual account through the card issuing system shown in FIG. The customer ledger corresponding to the voucher is the customer information file (CIF) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, Expiry Date, Status Head Office, Settlement Date, Cash Date, Last Name, Person, 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.

According to an embodiment of the present invention, the virtual system is provided on the financial system through at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and a card issuing system shown in FIG. If a customer account of voucher subjects who have been issued a voucher card associated with the account is opened, the account ledger corresponding to the customer account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, and opening date , Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, final deposit date, last withdrawal date, final A statement that includes at least one deposit amount, the final withdrawal amount, number of unpaid transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. General ledger information, including the account number corresponding to the account ledger, withdrawal (months), period (days), period extension, maturity date and target amount of at least one or more, and / or to the account ledger Trust receipt information including at least one corresponding account number, trust amount, par value, pension date and number of shares, and / or account number, transaction number, date, point number, commodity type, transaction type, It includes transaction details including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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.

When a customer payment card including at least one check card (or debit card) has been issued to the customer according to an embodiment of the present invention, the card ledger corresponding to the check card (or debit card) corresponds to the customer. And at least one account ledger (e.g., check card linked account ledger, or debit card linked account ledger) of the account ledger is relationally processed, the card ledger corresponding to the check card (or debit card) is Payment card information including a card number, expiration date, etc. corresponding to the check card (or debit card).

According to an embodiment of the present invention, when a customer payment card including at least one credit card is issued to the customer, the card ledger corresponding to the credit card is processed in a relational manner with the customer ledger corresponding to the customer. The card ledger corresponding to the credit card includes payment card information including a card number corresponding to the credit card, an expiration date, and the like.

According to an embodiment of the present invention, a customer ledger corresponding to a customer who is issued a predetermined voucher card associated with the virtual account ledger through the card issuing system shown in FIG. 7 is relational with the card ledger corresponding to the voucher card. The card ledger corresponding to the voucher card includes a voucher card number corresponding to the voucher card, and additionally corresponds to the voucher card validity period and / or a virtual account associated with the voucher card. It includes the customer unique information (for example, serial number (or unique number) contained in the voucher certificate, or card number included in the voucher certificate card) assigned to the customer by the welfare institution.

FIG. 11 illustrates a configuration of customer card interworking information stored in a database linked to the ledger D / B 1100 provided in a DBMS on a financial system in a face-to-face manner for payment through a voucher card according to another embodiment of the present invention. One drawing.

In more detail, in FIG. 11, when the storage medium 930 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 1100 provided in the DBMS on the financial system, the database includes the predetermined database. An information structure for an exemplary embodiment of a method of linking and storing the customer payment card information and the voucher card information by using the customer information included in the card interlocking information, and the general knowledge in the technical field to which the present invention pertains. If you have, you can infer a variety of information configuration method for storing and linking the customer card linkage information with the ledger D / B 1100 in a predetermined database by referring to and / or modified in this figure 11 The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 11, when it is not easy to store the customer payment card information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger of the DBMS). If it is not easy to change the D / B 1100 or the system expansion is not easy due to the characteristics of the financial system), the customer payment card information is stored in a predetermined database instead of the ledger D / B 1100. FIG. 1 illustrates an implementation method of linking and storing the database and the ledger D / B 1100.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 11, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to the present invention, the database is characterized in that the customer payment card information and the voucher card information by using the customer information included in the customer card linkage information linked processing and stored, the database is the ledger D / B ( 1100) is preferably made further comprising a CIF number identified through the customer information included in the customer card linkage information.

Referring to FIG. 11, the database includes customer payment card information included in the customer card linkage information and a voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

When a customer payment card including at least one credit card is issued to the customer according to an embodiment of the present invention, the customer payment card information stored in the database is a card number corresponding to the credit card issued to the customer. It is preferable to include payment card information including a period and the like.

Alternatively, when a customer payment card including at least one check card is issued to the customer, the customer payment card information stored in the database includes a card number and an expiration date corresponding to the check card issued to the customer. It is preferable to include the payment card information.

Alternatively, when a customer payment card including at least one debit card is issued to the customer, the customer payment card information stored in the database includes a card number and an expiration date corresponding to the debit card issued to the customer. It is preferable to include the payment card information.

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 7 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period and / Or customer-specific information assigned to the customer by the welfare institution corresponding to the virtual account associated with the voucher card (for example, serial number (or unique number) included in the voucher certificate, card number included in the voucher certificate card, etc.) )

12 is a diagram illustrating a configuration of customer card interworking information stored in a DBMS provided in a payment server in a face-to-face manner for payment through a voucher card according to another embodiment of the present invention.

In more detail, FIG. 12 shows that the storage medium 930 shown in FIG. 9 is provided with a predetermined payment provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. When provided in the DBMS provided in the server, to the DBMS using the customer information included in the customer card interlocking information to the customer payment card information and the voucher card information in a cooperative process and stored If a person of ordinary skill in the art to which the present invention pertains, the information configuration method for the customer card interworking information stored in a predetermined DBMS provided in at least one or more payment server by referring to and / or modified in this figure 12 It may be inferred that, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. The.

According to the present invention, the predetermined DBMS provided in the payment server is characterized by storing the customer payment card information and the voucher card information by using the customer information included in the customer card linkage information.

Referring to FIG. 12, the DBMS includes customer payment card information included in the customer card linkage information and voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

When a customer payment card including at least one credit card is issued to the customer according to an embodiment of the present invention, the customer payment card information stored in the DBMS is a card number corresponding to the credit card issued to the customer. It is preferable to include payment card information including a period and the like.

Alternatively, when a customer payment card including at least one check card is issued to the customer, the customer payment card information stored in the DBMS includes a card number and an expiration date corresponding to the check card issued to the customer. It is preferable to include the payment card information.

Alternatively, when a customer payment card including at least one debit card is issued to the customer, the customer payment card information stored in the DBMS includes a card number and an expiration date corresponding to the debit card issued to the customer. It is preferable to include the payment card information.

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 7 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period and / Or customer-specific information assigned to the customer by the welfare institution corresponding to the virtual account associated with the voucher card (for example, serial number (or unique number) included in the voucher certificate, card number included in the voucher certificate card, etc.) )

13 is a diagram illustrating a process of registering customer card linkage information in a face-to-face manner according to an embodiment of the present invention.

More specifically, in FIG. 13, the information registration server 900 on the information registration system shown in FIG. 9 has a ledger server (not shown) function on the financial system linked to the counter terminal 935 through a predetermined financial network. In one case, the window terminal 935 accesses the information registration server 900 to connect a communication channel for information registration according to the present invention, and then to the information registration server 900 through the communication channel. Among the credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by the customer information and customer payment card information (for example, a predetermined card company (or financial company)) Card information having at least one payment method) and voucher card information (for example, card information issued to the customer through the voucher card issuing system shown in FIG. 7). When the customer card interworking information is transmitted, the information registration server 900 uses the customer information included in the received customer card interworking information to process the customer payment card information and the voucher card information in a predetermined storage medium. A method of storing the information in the information storage server 1105, and a person having ordinary knowledge in the art to which the present invention pertains refers to the information registration server 900 in the counter terminal 935 by referring to and / or modifying the drawing of FIG. Various implementation methods for registering the customer card interworking information may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the window terminal 935 shown in FIG. 9 is called "terminal" for convenience, and the information registration server 900 shown in FIG. 9 is called "server" for convenience, and the window terminal ( The customer information, the customer payment card information, and the voucher card information transmitted from the information registration server 900 to the information registration server 900 are referred to as "customer card linkage information" for convenience.

Referring to FIG. 13, a window terminal 935 shown in FIG. 9 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the customer card linkage information, and connects the voucher card. When requesting registration of the customer card interworking information for payment through (1300), the server generates (or extracts) a predetermined information registration interface for registering the customer card interworking information (1305), and establishes the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1310).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) customer card linkage information including at least one of the customer information, customer payment card information, and voucher card information in the terminal. It is preferable to make.

Thereafter, the terminal inputs (or selects) at least one customer information, customer payment card information, and customer card interworking information including the voucher card information through the information registration interface (1315).

If the terminal inputs (or selects) customer card interworking information including the customer information, customer payment card information, and voucher card information through the information registration interface (1320), the terminal receives the input through the financial network. The customer card linkage information including the selected customer information, customer payment card information, and voucher card information is transmitted to the server (1325).

Thereafter, the server receives and reads the customer information, the customer payment card information, and the voucher card information through the financial network to confirm the validity of the customer card interworking information (1330).

According to an exemplary embodiment of the present invention, the validity check of the customer card interworking information may be performed on the virtual voucher shown in FIGS. 1 and / or 4 in the ledger D / B 1100 on the financial system associated with the information registration system. It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card linkage information is provided among at least one voucher virtual account registered through the account opening system. .

In addition, the validation of the customer card linkage information, the card corresponding to the voucher card matching the customer information included in the customer card linkage information in the ledger D / B 1100 on the financial system associated with the information registration system Ledger (for example, a voucher card ledger issued to the customer in connection with the payment virtual account through the voucher card issuing system shown in FIG. 7 or a voucher virtual account opening system shown in FIGS. 1 and / or 4). It is preferably made through including whether the voucher card ledger associated with the payment virtual account opened in the name of the customer is provided.

In addition, the validity check of the customer card linkage information, corresponding to the customer payment card matching the customer information included in the customer card linkage information in the ledger D / B 1100 on the financial system associated with the information registration system And checking whether a card ledger (for example, a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card) is provided. desirable.

If the validity of the customer card interworking information is not authenticated (1335), the server generates predetermined information registration error information and transmits it to the terminal (1340), and performs an information registration procedure corresponding to the customer card interworking information. Do not perform.

On the other hand, if the validity of the customer card linkage information is authenticated (1335), the server performs the information registration procedure corresponding to the customer card linkage information, thereby using the customer information to the customer payment card information and voucher card information Cooperative processing is performed to store in a predetermined storage medium 1105 (1345).

According to one embodiment of the invention, the storage medium 1105 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 1105 may be a ledger D / B 1100 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 1105 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1350), thereby completing the procedure of registering the customer card linkage information transmitted from the terminal.

14 is a diagram illustrating a non-face-to-face information registration system for payment through a voucher card according to another embodiment of the present invention.

More specifically, FIG. 14 is associated with a payment virtual account opened under a predetermined customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher card issuing system shown in FIG. After the predetermined voucher card is issued, the customer information and customer payment card information (e.g., a predetermined credit card company (or a credit card company) for payment by the customer through the voucher card according to the present invention through the predetermined information registration interface. Credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by a financial institution) and voucher card information ( For example, at least one card information issued to the customer through the voucher card issuing system shown in FIG. When providing the customer card interworking information including the above, the information registration system by using the customer information included in the provided customer card interlocking information to process the customer payment card information and the voucher card information in a predetermined storage medium (1430) As a person of ordinary skill in the art to which the present invention pertains, various modifications to the configuration of the information registration system for payment through the voucher card can be made by referring to and / or modifying this drawing. 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.

Hereinafter, at least one means and / or functional configuration for storing the customer card interworking information provided from the customer on the storage medium 1430 on the information registration system shown in FIG. 14 through a predetermined information registration interface. The component to be referred to as "information registration server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, an information registration system for payment through a voucher card according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises an information registration terminal including at least one, wherein the information registration terminal is connected to the communication channel and the information registration server 1400 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 1400 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the customer card interworking information for payment through the voucher card according to the present invention is input (or selected) through at least one user interface provided by the information registration server 1400, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 1400 provided on the information registration system through.

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

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

In addition, the information registration server 1400 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 1400 is a 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 The Mobitex-based wireless data communication network may be any one, and / or may include all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1400, and inputs and / or selects at least one or more information through the user interface to the information registration server 1400. 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 1400, 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 1400 and And / or the wireless network performs a function of an information registration interface for the customer to register customer card interworking information for payment through the voucher card 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 the, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, and / or the financial institution Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with, may further include the present invention is not limited thereto.

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 1400. The financial network for connecting the customer to perform the function of the information registration interface for registering the customer card linkage information for payment through the voucher card according to the present invention, and / or the information registration terminal is the call 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 1400 may be used by the customer. Performing the function of an information registration interface for registering customer card interworking information for payment through the bank, and / or the financial institution that is the information registration terminal; In the case of a terminal (and / or server) (not shown) provided in an affiliated institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server The network connecting 1400 performs a function of an information registration interface for registering customer card linkage information for the customer to make a payment through a voucher card according to the present invention.

The storage medium 1430 provided on the information registration system according to the present invention links the customer payment card information and the voucher card information by using the customer information included in the customer card interworking information provided from the information registration terminal. It is characterized in that the processing to store in a predetermined storage medium (1430).

Here, the customer information may include at least one or more customers (eg, elderly living alone, grandchildren, children living in households, boys and girls, etc.) who are required to pay the welfare fund at a predetermined welfare fund management institution (or poor people). ) And / or customer personal information (e.g., customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) for credit recipients, general beneficiaries including at least one of the poor, homeless, etc.). Preferably, if the welfare fund management institution has issued a voucher certificate or voucher card to the customer to prove that the customer, the customer specific information included in the voucher certificate (or voucher card) (eg, included in the voucher certificate) Serial number (or unique number), or the card number included on the voucher card). It is preferable to carry out.

According to the method of the present invention, the customer corresponding to the customer information is credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means from at least one card company (or financial company) It is preferable that a payment card having at least one payment method is issued, and through the voucher virtual account opening system shown in FIGS. 1 and / or 4 using the voucher card issuing system shown in FIG. It is preferable that a predetermined voucher card is issued in association with the opened virtual account under the customer's name.

In addition, the customer payment card information, the customer is credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by at least one card company (or financial company) At least one of the at least one payment means of the card company corresponding to at least one or more payment means, card number, expiration date information, etc. preferably comprises at least one or more.

Further, the voucher card information is linked to the payment virtual account of the customer's name opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4 using the voucher card issuing system shown in FIG. And a voucher card number corresponding to the given voucher card, and additionally, the voucher card expiration date and / or customer unique information assigned to the customer by the welfare institution (eg, a serial number included in the voucher certificate (or Unique number), or the card number included in the voucher proof card).

According to one embodiment of the invention, the storage medium 1430 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 1430 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1430 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or 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 1400 provided on the information registration system according to the present invention is a generic term for the information registration system-side components 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 1400 is connected to the Internet. A predetermined server (or a predetermined Internet banking server provided on a banking system, and / or a program provided in the Internet banking server, and / or a predetermined server (or accessible to the external system of the financial system through the Internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby Shall not.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1400 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 1400 is configured 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 You are good.

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 1400 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 1400 is characterized by comprising an interface unit 1405 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary 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 1405 is the wired network. And / or connect a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It would be desirable to provide a communication interface for a network.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1400, the interface unit 1405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1405 may be connected to the financial automation device based on a protocol stack defined in the financial 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 financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1405 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1405 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 1400, the interface unit 1405 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 is connected to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

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 1405 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for a network.

Referring to FIG. 14, when the predetermined information registration terminal is connected to the information registration server 1400 through the interface unit 1405, the information registration server 1400 cooperates with the interface unit 1405 to provide the information. An interface providing unit 1410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer card interworking information from the registration terminal to the information registration terminal, and the interface unit 1405. And an information receiving unit 1415 which receives predetermined customer card interworking information transmitted from the information registration terminal through the user interface and inputs (or selects) and the customer included in the received customer card interworking information. Obtaining an information storage unit 1425 to process the customer payment card information and the voucher card information by using the information to store in a predetermined storage medium 1430 It is characterized by the comparison.

The interface providing unit 1410, when a predetermined information registration terminal is connected to the information registration server 1400 through the interface unit 1405, the customer card interworking information corresponding to the functional configuration provided in the information registration terminal To generate (or select) a predetermined user interface which can be transmitted to the information registration server 1400 via the network means, and / or extract from a predetermined database (not shown), and the interface unit 1405 And the user interface generated (or extracted) to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) customer card interworking information including at least one of the customer information, customer payment card information, and voucher card information based on the user interface, and the input (or selected) The customer card interworking information is transmitted to the information registration server 1400 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 1410 may be configured as the client. Generating (or extracting) a predetermined user interface that can be provided by a browser program and / or a communication program provided in the terminal, and providing the generated (or extracted) user interface to the client terminal through the interface unit 1405. It is preferable.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1410 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1405.

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 1410 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 is connected to the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and provides the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1405. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1410 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405.

The information receiving unit 1415 inputs (or selects) customer card interworking information including at least one of customer information, customer payment card information, and voucher card information through the user interface through the user interface through the network means. When transmitting, the customer card interworking information is received in cooperation with the interface unit 1405, and the received customer card interworking information is provided to the validity confirming unit 1420.

The validity check unit 1420 is a feature for checking whether the customer card interworking information received from the information registration terminal satisfies the validity for payment through the voucher card.

According to an embodiment of the present invention, the validity confirmation of the customer card interworking information, the voucher virtual account opening system shown in Figure 1 and / or Figure 4 in the ledger D / B on the financial system associated with the information registration system It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card interlocking information of at least one or more voucher virtual account registered through the.

In addition, the validity check of the customer card linkage information, the card ledger corresponding to the voucher card corresponding to the customer information included in the customer card linkage information in the ledger D / B on the financial system associated with the information registration system (eg A voucher card ledger issued to the customer in association with the payment virtual account through the voucher card issuing system shown in FIG. 7, or the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include whether the voucher card ledger associated with the payment virtual account opened in the name) is provided.

In addition, the validity check of the customer card linkage information, the card ledger corresponding to the customer payment card matching the customer information included in the customer card linkage information in the ledger D / B on the financial system associated with the information registration system ( For example, it is preferable to include checking whether a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card is provided.

When the validity of the customer card linkage information is confirmed, the information storage unit 1425 uses the customer information included in the customer card linkage information to process the customer payment card information and the voucher card information in association with the storage medium ( 1430, and when the storage medium 1430 is provided in the information registration server 1400 or is provided on a network associated with the information registration server 1400, the information storage unit 1 1425 is preferably linked to the customer payment card information and the voucher card information by using the customer information included in the received customer card linkage information and stored in the storage medium 1430, the storage medium 1430 Is provided in the DBMS provided on the financial system, the information storage unit 1425 uses the customer information included in the received customer card linkage information to determine the customer determination. It is preferable that the card information and the voucher card information is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

15 is a diagram illustrating a configuration of customer card interworking information stored in the ledger D / B 1500 provided in a DBMS on a financial system in a non-face-to-face manner for payment through a voucher card according to an embodiment of the present invention.

More specifically, in FIG. 15, when the storage medium 1430 illustrated in FIG. 14 is a ledger D / B 1500 provided in a DBMS on a financial system, the FIG. 15 includes the ledger information provided in the ledger D / B 1500. An information configuration for an embodiment of the method of storing and processing the customer payment card information and the voucher card information by using the customer information included in the customer card interlocking information, which is common in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various information construction methods for storing the customer card interworking information in the ledger D / B 1500 by referring to and / or modifying the drawing 15, but the present invention is inferred It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the virtual account ledger corresponding to the voucher virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 may include: The ledger D / B 1500 on the financial system is processed in connection 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 (eg, , The Ministry of Health and Welfare and / or each local government) is linked to a predetermined customer ledger.

Here, the customer ledger corresponding to the welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) may include a customer information file (CIF) number, a country code, a contact person ID, a branch number, a customer classification, a customer name, a 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 Address, Account Number, President , Sector, legal representative, date of first transaction, 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 The account ledger included in the ledger D / B 1500 (or the virtual account to which the customer requests at least one financial transaction (e.g. withdrawal of voucher payments, transfers, or voucher payments). It is preferred to include at least one ledger information) to be provided for processing).

In addition, the customer (eg, at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and the voucher card associated with the virtual account through the card issuing system shown in FIG. The customer ledger corresponding to the voucher is the customer information file (CIF) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, Expiry Date, Status Head Office, Settlement Date, Cash Date, Last Name, Person, 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.

According to an embodiment of the present invention, the virtual system is provided on the financial system through at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and a card issuing system shown in FIG. If a customer account of voucher subjects who have been issued a voucher card associated with the account is opened, the account ledger corresponding to the customer account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, and opening date , Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, final deposit date, last withdrawal date, final A statement that includes at least one deposit amount, the final withdrawal amount, number of unpaid transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. General ledger information, including the account number corresponding to the account ledger, withdrawal (months), period (days), period extension, maturity date and target amount of at least one or more, and / or to the account ledger Trust receipt information including at least one corresponding account number, trust amount, par value, pension date and number of shares, and / or account number, transaction number, date, point number, commodity type, transaction type, It includes transaction history information including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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.

When a customer payment card including at least one check card (or debit card) is issued to the customer according to an embodiment of the present invention, the card ledger corresponding to the check card (or debit card) corresponds to the customer. At least one of the account ledger to be linked to the account ledger (for example, check card linked account ledger, or debit card linked ledger) is characterized in that the relationship is processed in relation to the card ledger corresponding to the check card (or debit card) It includes payment card information including a card number, an expiration date, etc. corresponding to the check card (or debit card).

According to an embodiment of the present invention, when a customer payment card including at least one credit card is issued to the customer, the card ledger corresponding to the credit card is processed in a relational manner with the customer ledger corresponding to the customer. The card ledger corresponding to the credit card includes payment card information including a card number corresponding to the credit card, an expiration date, and the like.

According to an embodiment of the present invention, a customer ledger corresponding to a customer who is issued a predetermined voucher card associated with the virtual account ledger through the card issuing system shown in FIG. 7 is relational with the card ledger corresponding to the voucher card. The card ledger corresponding to the voucher card includes a voucher card number corresponding to the voucher card, and additionally corresponds to the voucher card validity period and / or a virtual account associated with the voucher card. It includes the customer unique information (for example, serial number (or unique number) contained in the voucher certificate, or card number included in the voucher certificate card) assigned to the customer by the welfare institution.

FIG. 16 illustrates the configuration of customer card linkage information stored in a database linked to the ledger D / B 1500 provided in a DBMS on a financial system in a non-face-to-face manner for payment through a voucher card according to another embodiment of the present invention. Figure is shown.

In more detail, in FIG. 16, when the storage medium 1430 shown in FIG. 14 includes a predetermined database linked to the ledger D / B 1500 provided in the DBMS on the financial system, the database includes the customer. An information structure for an exemplary embodiment of a method of linking and storing the customer payment card information and the voucher card information by using the customer information included in the card interlocking information, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer a variety of information configuration method for storing and linking the customer card linkage information with the ledger D / B 1500 in a predetermined database by referring to and / or modified in this figure 16, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 16, when it is not easy to store the customer payment card information in the ledger information of the ledger D / B 1500 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger of the DBMS) If it is not easy to change the D / B 1500 or the system expansion is not easy due to the characteristics of the financial system), the customer payment card information is stored in a predetermined database instead of the ledger D / B 1500. FIG. 4 illustrates an implementation method of linking and storing the database and the ledger D / B 1500.

In addition, the database shown in FIG. 16 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 16, 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.

According to the present invention, the database is characterized in that the customer payment card information and the voucher card information by using the customer information included in the customer card linkage information linked processing and stored, the database is the ledger D / B ( 1500) preferably further comprises a CIF number identified through the customer information included in the customer card linkage information.

Referring to FIG. 16, the database may include customer payment card information included in the customer card linkage information and a voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

When a customer payment card including at least one credit card is issued to the customer according to an embodiment of the present invention, the customer payment card information stored in the database is a card number corresponding to the credit card issued to the customer. It is preferable to include payment card information including a period and the like.

Alternatively, when a customer payment card including at least one check card is issued to the customer, the customer payment card information stored in the database includes a card number and an expiration date corresponding to the check card issued to the customer. It is preferable to include the payment card information.

Alternatively, when a customer payment card including at least one debit card is issued to the customer, the customer payment card information stored in the database includes a card number and an expiration date corresponding to the debit card issued to the customer. It is preferable to include the payment card information.

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 7 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period. And / or customer unique information assigned to the customer by a welfare institution corresponding to the virtual account associated with the voucher card (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher certificate card). Etc.).

FIG. 17 is a diagram illustrating a configuration of customer card interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for payment through a voucher card according to another exemplary embodiment of the present invention.

In more detail, FIG. 17 illustrates a predetermined banking system in which the storage medium 1430 shown in FIG. 14 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. When provided in the DBMS provided in the server, and relates to an embodiment method for storing the customer payment card information and the voucher card information linked to the DBMS using the customer information included in the customer card linkage information, Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 17 to configure information on customer card interworking information stored in a predetermined DBMS provided in at least one banking server. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. do.

According to the present invention, the predetermined DBMS provided in the payment server is characterized by storing the customer payment card information and the voucher card information by using the customer information included in the customer card linkage information.

Referring to FIG. 17, the DBMS includes customer payment card information included in the customer card linkage information and voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

When a customer payment card including at least one credit card is issued to the customer according to an embodiment of the present invention, the customer payment card information stored in the DBMS is a card number corresponding to the credit card issued to the customer. It is preferable to include payment card information including a period and the like.

Alternatively, when a customer payment card including at least one check card is issued to the customer, the customer payment card information stored in the DBMS includes a card number and an expiration date corresponding to the check card issued to the customer. It is preferable to include the payment card information.

Alternatively, when a customer payment card including at least one debit card is issued to the customer, the customer payment card information stored in the DBMS includes a card number and an expiration date corresponding to the debit card issued to the customer. It is preferable to include the payment card information.

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 7 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period and / Or customer-specific information assigned to the customer by the welfare institution corresponding to the virtual account associated with the voucher card (for example, serial number (or unique number) included in the voucher certificate, card number included in the voucher certificate card, etc.) )

18 is a diagram illustrating a process of registering customer card linkage information in a non-face-to-face manner for payment through a voucher card according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates a case where the information registration server 1400 on the information registration system shown in FIG. 14 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 1400 and connecting a communication channel for information registration according to the present invention, the customer information and customer payment card information (for example, predetermined) to the information registration server 1400 through the communication channel. Credit card payment method and / or check card payment method and / or debit card payment method and / or prepaid card payment method issued by the card company (or financial company) to the customer) and voucher Card information (eg, card information issued to the customer through the voucher card issuing system shown in FIG. 7). When the customer card interworking information is transmitted, the information registration server 1400 processes the customer payment card information and the voucher card information in association with the customer information included in the received customer card interworking information and stores a predetermined storage medium ( 1430, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 18 and the client terminal to the information registration server 1400. Various implementation methods for registering card interworking information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the client terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the information registration server 1400 shown in FIG. 14 is called "server" for convenience, and the information is registered in the client terminal. The customer information, the customer payment card information, and the voucher card information transmitted to the server 1400 are referred to as "customer card linkage information" for convenience.

Referring to FIG. 18, when the client terminal illustrated in FIG. 14 is a predetermined network means (eg, the client terminal is a wired terminal 1435), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1440. Is connected to the server via a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc., and connects a predetermined communication channel for registering the customer card interworking information, and pays through the voucher card. When requesting registration of the customer card linkage information for payment (1800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer card linkage information (1805), and the communication. The generated (or extracted) web page is transmitted to the terminal and output through the channel (1810).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) customer card linkage information including at least one of the customer information, customer payment card information, and voucher card information in the terminal. It is preferable to make.

In addition, the web page transmission and / or output process is preferably performed at least once according to the customer card linkage information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one customer information, customer payment card information, and customer card interworking information including the voucher card information through the information registration interface (1815).

If the terminal inputs (or selects) customer card interworking information including the customer information, customer payment card information, and voucher card information through the information registration interface (1820), the terminal receives the input through the communication channel. The customer information, the customer payment card information, and the voucher card information are transmitted (or selected) to the server (1825).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, customer payment card information, and voucher card information to the server through the communication channel is input (or selected) through the information registration interface. It may further comprise the electronic card and / or encrypt the customer card interworking information through the security module provided in the terminal to transmit to the server.

Thereafter, the server receives and reads the customer information, the customer payment card information, and the voucher card information through the communication channel to confirm the validity of the customer card interworking information (1830).

According to an embodiment of the present invention, confirming the validity of the customer card interworking information, when the customer card interlocking information is electronic signature and / or encrypted through the security module provided in the terminal, the customer card interlocking information And decrypting the customer card linkage information.

According to an exemplary embodiment of the present invention, the validity confirmation of the customer card interworking information may be performed on the voucher virtual shown in Figs. 1 and / or 4 in the ledger D / B 1500 on the financial system associated with the information registration system. It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card linkage information is provided among at least one voucher virtual account registered through the account opening system. .

In addition, the validation of the customer card linkage information, the card corresponding to the voucher card matching the customer information included in the customer card linkage information in the ledger D / B 1500 on the financial system associated with the information registration system Ledger (for example, a voucher card ledger issued to the customer in connection with the payment virtual account through the voucher card issuing system shown in FIG. 7 or a voucher virtual account opening system shown in FIGS. 1 and / or 4). It is preferably made through including whether the voucher card ledger associated with the payment virtual account opened in the name of the customer is provided.

In addition, the validation of the customer card linkage information corresponds to the customer payment card matching the customer information included in the customer card linkage information to the ledger D / B 1500 on the financial system associated with the information registration system And checking whether a card ledger (for example, a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card) is provided. It is preferable.

If the validity of the customer card interworking information is not authenticated (1835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1840) and corresponds to the customer card interworking information. Do not perform the information registration procedure.

On the other hand, if the validity of the customer card linkage information is authenticated (1835), the server performs an information registration procedure corresponding to the customer card linkage information, so that the customer payment card information and the voucher card information using the customer information. In operation 1845, the data is stored in a predetermined storage medium 1430.

According to one embodiment of the invention, the storage medium 1430 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 1430 may be a ledger D / B 1500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1500, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 1430 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1850), thereby completing the procedure of registering the customer card linkage information transmitted from the terminal.

19A and 19B illustrate a process of registering customer card interworking information in a non-face-to-face manner for payment through a voucher card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 19A and 19B illustrate that when the information registration system illustrated in FIG. 14 is implemented through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal may be a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends predetermined customer card interworking information for payment through a voucher card to the Internet banking server. Information and customer payment card information (e.g., at least one of a credit card payment method and / or a check card payment method and / or a debit card payment method and / or a prepaid card payment method issued to the customer by a predetermined card company (or financial company). Card information having the above payment means) and voucher card information (for example, the voucher shown in FIG. 7 above). The customer card interworking information including the card information issued to the customer through the card issuing system, the customer information included in the received customer card interworking information is received by the information registration server 1400. An embodiment of the present invention relates to a method of storing payment card information and voucher card information in a predetermined storage medium 1430. If a person of ordinary skill in the art belongs to the present invention, refer to FIGS. 19A and 19B. And / or may be modified to infer various implementation methods for registering the customer card linkage information from the client terminal to the information registration server 1400, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in 19a and FIG. 19b.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 19A and 19B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the customer card interworking information between the client terminal and the Internet banking server based on the present invention, if one 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. 19a and 19b, and then, between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Customer card Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering interworking information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby the present invention It 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 modifying the Internet banking-based financial transaction channel connection method shown in Figures 19a and 19b, a telebanking system And / or the other banking system, such as a wireless banking system and / or TV banking system may be inferred the implementation method for connecting a non-face-to-face channel-based financial transaction channel for registering customer card linkage information, the present invention is the telebanking The system and / or wireless banking system and / or TV banking system and / or non-face-to-face channel banking system of the future proposed, including all kinds of non-face-to-channel based financial transactions, the technical configuration of the present invention is shown in Figure 19a It is by no means limited to the case of Internet banking shown in Figure 19b.

Hereinafter, in FIG. 19A and FIG. 19B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 1400 is referred to as a "server" for convenience.

19A and 19B, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (1900a), the server communicates between the terminal and the server through the browser. (1905a), wherein the communication channel refers to 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 (1910a).

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 certain security module is to be installed and / or updated in the terminal (1915a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1920a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1925a), or if the terminal does not need to install and / or update the Internet banking security module (1915a), the server may By activating the security module for the 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 (1930a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided from the terminal to the server for registering customer card linkage information. (Or data) by attaching a predetermined digital signature and / or by 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 A communication channel for decrypting the information (or data) by 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 provided by the terminal to the server for registration of customer card linkage information. Attach and / or write down certain electronic signatures to the information (or data) to be When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), 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 (1935a).

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, and the server includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Data is preferably transmitted electronically and / or encrypted over 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 (1940a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (1945a).

If the Internet banking customer authentication fails (1950a), the server blocks the Internet banking security channel for the terminal (1955a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1950a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1960a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined customer card linkage information for payment through the voucher card from the terminal to the server.

Subsequently, when the terminal requests internet banking-based customer card linkage information registration to the server through the inter-banking-based financial transaction channel to register customer card linkage information (1900b), the server registers the customer card linkage information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (1905b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1910b). ).

According to an embodiment of the present invention, the information registration interface comprises an interface for inputting (or selecting) customer card interworking information including at least one of customer information, customer payment card information, and voucher card information in the terminal. Preferably, and / or a predetermined password (e.g., account password, etc.) and / or security code to verify the validity of the Internet banking customer requesting registration of the customer card linkage information and / or the customer card linkage information. (E.g., the security code printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) (e.g., after the internet banking application process (or after the internet banking application)). Interface to enter the OTP authenticator (or one-time password generated by the OTP authenticator). To include preferred.

In addition, the web page transmission and / or output process is preferably performed at least once according to the customer card linkage information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) customer card interworking information including at least one of the customer information, customer payment card information, and voucher card information through the information registration interface (1915b).

If the terminal inputs (or selects) customer card interworking information including the customer information, customer payment card information, and voucher card information through the information registration interface (1920b), the terminal transmits the information through the financial transaction channel. The input (or selected) customer card linkage information is transmitted to the server (1925b).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer card interworking information through the financial transaction channel to the server, the customer card interworking information input (or selected) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the customer card interworking information through the financial transaction channel to confirm the validity of the customer card interlocking information (1930b).

According to an embodiment of the present invention, confirming the validity of the customer card interworking information, when the customer card interlocking information is electronic signature and / or encrypted through the security module provided in the terminal, the customer card interlocking information And decrypting the customer card linkage information.

In addition, the validity check of the customer card interlocking information, it is preferable to further comprise a password and / or security code and / or OTP included in the customer card interlocking information.

According to an exemplary embodiment of the present invention, the validity confirmation of the customer card interworking information may be performed on the voucher virtual shown in Figs. 1 and / or 4 in the ledger D / B 1500 on the financial system associated with the information registration system. It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card linkage information is provided among at least one voucher virtual account registered through the account opening system. .

In addition, the validation of the customer card linkage information, the card corresponding to the voucher card matching the customer information included in the customer card linkage information in the ledger D / B 1500 on the financial system associated with the information registration system Ledger (for example, a voucher card ledger issued to the customer in connection with the payment virtual account through the voucher card issuing system shown in FIG. 7 or a voucher virtual account opening system shown in FIGS. 1 and / or 4). It is preferably made through including whether the voucher card ledger associated with the payment virtual account opened in the name of the customer is provided.

In addition, the validity check of the customer card linkage information, corresponding to the customer payment card matching the customer information included in the customer card linkage information in the ledger D / B 1500 on the financial system linked to the information registration system And checking whether a card ledger (for example, a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card) is provided. desirable.

If the validity of the customer card linkage information is not authenticated (1935b), the server generates a web page including predetermined customer card linkage information registration error information and transmits it to the terminal (1940b). Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the customer card interlocking information is authenticated (1935b), the server performs an information registration procedure corresponding to the customer card interlocking information, so that the customer payment by using the customer information included in the customer card interlocking information The card information and the voucher card information are cooperatively processed and stored in the predetermined storage medium 1430 (1945b).

According to one embodiment of the invention, the storage medium 1430 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 1430 may be a ledger D / B 1500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1500, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 1430 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined customer card linkage information registration history information and transmits the generated webpage to the terminal (1950b), thereby completing the registration of the customer card linkage information transmitted from the terminal.

20 illustrates a payment system configuration using a voucher card associated with at least one customer payment method according to an embodiment of the present invention.

More specifically, FIG. 20 is processed in conjunction with the voucher virtual account shown in FIGS. 1 and / or 4 through the information registration system shown in FIGS. 9 and / or 14, and the card issuing system shown in FIG. In the case of online / offline payment through a voucher card issued through a part of the payment amount is processed in a virtual account associated with the voucher card, and the other part of at least one customer payment means associated with the voucher card (eg A credit system payment method, and / or check card payment means, and / or debit card payment means, and / or prepaid card payment means, etc.) is a payment system configuration characterized in that the payment process, specifically the drawing At least one payment card corresponding to a customer payment method registered through the information registration system shown in FIG. A storage medium 2025 for linking and storing information and voucher card information issued to the customer through the card issuing system shown in FIG. 7 is stored in the payment server 2000 as shown in FIGS. 12 and / or 17. It shows an implementation method provided in the provided DBMS.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 20 to infer various implementation methods for the configuration of a payment system using a voucher card associated with at least one customer payment means. Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only 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 this drawing 20 to correspond to customer payment means registered through the information registration system shown in FIGS. 9 and / or 14. At least one payment card information and voucher card information issued to the customer through the card issuing system shown in FIG. 7 are provided in the ledger D / B on the financial system or linked to the ledger D / B. It will be possible to infer various implementation methods stored in the database of the present invention, the present invention includes all the implementation methods inferred.

Referring to FIG. 20, a payment system using a voucher card associated with at least one customer payment means includes a payment virtual account opened under the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. And a payment terminal that performs online / offline payment processing through a voucher card issued to the customer through a card issuing system shown in FIG. 7, and receives a full payment approval request message transmitted from the payment terminal. Read the full text of the payment approval request to check whether the payment amount can be processed through at least one customer payment means; and if payment is possible through the customer payment means, a part of the payment amount is the voucher card. Payment is processed in a virtual account associated with the account, and the other part is associated with the voucher card. A payment server 2000 which processes payment through at least one customer payment means (e.g., credit card payment means, and / or check card payment means, and / or debit card payment means, and / or prepaid card payment means, etc.); A financial system having a virtual account opened in the name of the customer and payment means information corresponding to at least one customer payment means issued to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Characterized in that comprises a.

Here, the payment means information corresponding to at least one customer payment means having a virtual account opened in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 and also issued to the customer For a detailed description of the financial system provided with reference to FIGS. 1 and / or 4, or 9 and / or 14, a detailed description of the financial system is omitted for convenience.

The payment terminal is characterized in that it comprises at least one CAT (Credit Authorization Terminal), and / or POS (Point Of Sales) terminal for processing offline payment using the voucher card, the payment terminal is VAN ( Value Added Network) connects the payment server 2000 and a predetermined payment network.

According to an exemplary embodiment of the present invention, the payment terminal reads out the voucher card information from the voucher card through a predetermined card reader in the offline payment process, and inputs a predetermined payment amount through a predetermined key input device. (Or check the payment amount through a barcode reader (or RFID reader)), and generate a payment approval request message including the voucher card information and the payment amount and transmit it to the payment server 2000 through the VAN. Do.

According to another embodiment of the present invention, the payment terminal reads out the voucher card information from the voucher card through a predetermined card reader in the offline payment process, and the voucher card payment amount and the predetermined key input device. Enter the payment amount including the payment amount of the customer payment method (or check the payment amount through a barcode reader (or RFID reader), distinguish the voucher card payment amount and the customer payment method payment amount of the payment amount), and the voucher It is preferable to generate a payment approval request message including card information, a voucher card payment amount, and a customer payment means payment amount, and transmit it to the payment server 2000 through the VAN.

Those skilled in the art will be familiar with the detailed technical features of the payment terminal and VAN for processing offline payment using the voucher card, so the detailed description thereof will be omitted for convenience. .

The payment terminal is connected to a web server such as a shopping mall server and / or a content server through a predetermined wired communication network and / or a wireless communication network, and uses the voucher card based on payment information provided from the web server. And at least one wired terminal and / or wireless terminal for processing the used online payment. The payment terminal includes a predetermined online payment protocol (eg, a secure payment protocol or a secure click protocol). The payment server 2000 is connected to a predetermined payment network through a communication network.

According to an exemplary embodiment of the present invention, the payment terminal reads out the voucher card information from the voucher card through a predetermined card reader (or corresponds to the voucher card through a predetermined key input means) in the online payment process. Inputting voucher card information), receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or a content server, etc., and providing a full payment approval request including the voucher card information and the payment amount It is preferable to generate and transmit to the payment server 2000 in accordance with the online payment protocol.

According to another exemplary embodiment of the present invention, the payment terminal reads out the voucher card information from the voucher card through a predetermined card reader in the online payment process (or corresponds to the voucher card through a predetermined key input means). Inputting voucher card information), receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or a content server, and paying the voucher card payment amount and the customer payment means of the payment amount. It is preferable to check the amount, generate a payment approval request message including the voucher card information, the voucher card payment amount, and the customer payment means payment amount, and transmit it to the payment server 2000 according to the online payment protocol.

According to another exemplary embodiment of the present invention, the payment terminal reads predetermined voucher card information from the voucher card through a predetermined card reader (or a predetermined key input means) to the voucher card in an online payment process. Input the corresponding voucher card information), receive the voucher card payment amount and the customer payment means payment amount from the web server such as the shopping mall server and / or the content server, and pay the voucher card information and the voucher card. It is preferable to generate a full payment approval request message including the amount and the payment amount of the customer payment method, and transmit it to the payment server 2000 according to the online payment protocol.

Those skilled in the art to which the present invention pertains include detailed technical features of a payment terminal that processes online payment using the voucher card and detailed technical features of the online payment protocol for the online payment. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 20 according to an embodiment of the present invention, the payment server 2000 includes a voucher card information and a payment amount from the payment server 2000 through the VAN (or a communication network supporting an online payment protocol). When the payment approval request message is received through the full text receiving unit 2005 and the full text receiving unit 2005, the voucher included in the full text of the payment approval request in association with the storage medium 2025 is received. The voucher card corresponding to the card information is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. In addition, the voucher card has been processed in association with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14. If it is confirmed that the information confirming unit 2010 and the voucher card are processed in association with the virtual account and are associated with at least one or more customer payment means, a part of the payment amount included in the full payment approval request is determined. Payment processing is performed through a virtual account associated with the voucher card, and the remaining payment amount is processed through at least one customer payment method associated with the voucher card through the information registration system shown in FIGS. 9 and / or 14. A payment processor 2020 for generating a predetermined payment approval text including the payment processing details and transmitting the payment processing unit 2020 to the payment terminal through the VAN (or a communication network supporting an online payment protocol). It is characterized by comprising.

The specialized receiver 2005 may receive a payment approval request message including a voucher card information corresponding to the voucher card and a payment amount from a payment terminal supporting offline payment settlement through the VAN.

Alternatively, the specialized receiving unit 2005 receives a full payment approval request message including a voucher card information corresponding to the voucher card and a payment amount according to the online payment protocol from a payment terminal through a communication network supporting the online payment protocol. It is characterized by.

When the payment approval request message including the voucher card information and the payment information is received through the specialized receiving unit 2005, the information confirming unit 2010 stores the information on the information registration system shown in FIGS. 9 and / or 14. The voucher card information included in the payment approval request text is displayed by inquiring whether there exists voucher card information matching the voucher card information included in the received payment approval request text among the voucher card information stored in the medium 2025. Through the card issuing system shown in FIG. 7, the voucher virtual account opening system shown in FIGS. 1 and / or 4 is issued in association with the virtual account opened under the customer's name. Check whether the voucher card associated with at least one customer payment means through the information registration system shown in 14 It shall be.

If the check result, the voucher card information included in the full payment approval request is opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If the transaction is not issued in connection with the virtual account, and is not associated with at least one or more customer payment means through the information registration system illustrated in FIGS. 9 and / or 14, the payment processing unit 2020 may perform a predetermined payment. Generates error history information, and the information transmitter generates a payment approval message including payment process history information corresponding to the payment error history information and transmits it to the payment terminal.

On the contrary, as a result of the confirmation, the voucher card information included in the full payment approval request is opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If issued in association with the virtual account, but not yet associated with at least one or more customer payment means through the information registration system shown in Figure 9 and / 14, the payment processing unit 2020 is the payment amount Perform a payment processing through a virtual account associated with the voucher card, or generate predetermined payment error history information according to the intention of a person skilled in the art, and the information transmitter transmits payment processing history information corresponding to the payment error history information; Generate a payment approval message including a and transmits to the payment terminal.

Or as a result of the confirmation, the voucher card information included in the full payment approval request is opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If the payment is made in association with the virtual account, and is processed in connection with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14, the payment processing unit 2020 may determine the A voucher card payment amount using a virtual account associated with a voucher card (e.g., a virtual account opened under the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4), and at least issued to the customer. A customer payment method corresponding to one or more customer payment cards (e.g., credit card, debit card, debit card, prepaid card, etc.) Yonghan features that determine the customer's payment method payment.

According to the method of the present invention, the voucher card payment amount and the customer payment means payment amount is preferably determined according to the policy provided in the payment server (2000).

For example, in the policy, 90% of the payment amount is settled through a virtual account associated with the voucher card, and the remaining 10% is settled through a customer payment means corresponding to at least one payment card issued to the customer. If the payment amount is 100,000 won, the payment processing unit 2020 will process 90,000 won through the virtual account associated with the voucher card, the remaining 10,000 won to at least one payment card issued to the customer Confirm payment processing through the corresponding customer payment method.

When the voucher card payment amount and the customer payment means payment amount are confirmed as described above, the payment processing unit 2020 is connected to the financial system through the virtual account of the customer name corresponding to the virtual account information associated with the voucher card. Payment processing of a voucher card payment amount and payment processing of the customer payment means payment amount through a customer payment means corresponding to at least one payment card issued to the customer.

According to an exemplary embodiment of the present invention, when a balance is insufficient in the payment processing for the voucher card payment amount, the payment processing unit 2020 processes that an error occurs in the payment processing corresponding to the full payment approval request. It is desirable to.

According to another exemplary embodiment of the present invention, when a balance is insufficient in the payment processing for the voucher card payment amount, only the amount corresponding to the virtual account balance among the voucher card payment amount is processed and the remaining amount and It is preferable to process payment through the customer payment means corresponding to at least one payment card issued to the customer.

When the payment processing unit 2020 completes a payment processing procedure for the voucher card payment amount and the customer payment method payment amount, a predetermined payment processing detail including a payment approval detail or a payment error detail is generated. The specialized processing unit generates a payment approval message including the payment processing details and transmits the generated payment approval to the payment terminal.

According to an embodiment of the present invention, if the payment terminal is a payment terminal that supports offline payment payment, the specialized transmission unit 2015 generates a payment approval message that can be transmitted through the VAN and the payment terminal through the VAN. It is desirable to send to.

According to another embodiment of the present invention, if the payment terminal is a payment terminal that supports online payment payment, the specialized transmission unit 2015 generates a payment approval message corresponding to the online payment protocol and generates the payment through the communication network. It is preferable to transmit to the terminal.

Referring to FIG. 20 according to another embodiment of the present invention, the payment server 2000 receives the voucher card information and the payment amount from the payment server 2000 through the VAN (or a communication network supporting an online payment protocol). When the payment approval request message is received through the full text receiving unit 2005 and the full text receiving unit 2005, the payment approval request is included in connection with the storage medium 2025. A voucher card corresponding to the voucher card information is issued in association with a virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. And the voucher card is linked with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14. If the information confirmation unit 2010 and the voucher card is linked to the virtual account and confirmed to be associated with at least one customer payment means, the voucher is used to determine the payment amount included in the full payment approval request. First payment processing through a virtual account associated with the card, if the balance of the virtual account is insufficient, the payment processing unit for processing the payment through the customer payment means corresponding to at least one payment card issued to the customer ( 2020 and a specialized transmission unit 2015 for generating a predetermined payment approval message including the payment processing history and transmitting the predetermined payment approval message to the payment terminal through the VAN (or a communication network supporting an online payment protocol). It features.

The specialized receiver 2005 may receive a payment approval request message including a voucher card information corresponding to the voucher card and a payment amount from a payment terminal supporting offline payment settlement through the VAN.

Alternatively, the specialized receiving unit 2005 receives a full payment approval request message including a voucher card information corresponding to the voucher card and a payment amount according to the online payment protocol from a payment terminal through a communication network supporting the online payment protocol. It is characterized by.

When the payment approval request message including the voucher card information and the payment information is received through the specialized receiving unit 2005, the information confirming unit 2010 stores the information on the information registration system shown in FIGS. 9 and / or 14. By checking whether the voucher card information matching the voucher card information included in the received payment approval request full text exists among the voucher card information stored in the medium 2025, the voucher card information included in the payment approval request full text is shown in FIG. Through the card issuing system shown in FIG. 1 and / or the voucher virtual account opening system shown in FIG. 4, the card is issued in association with the virtual account opened under the customer's name. Check whether the voucher card associated with at least one customer payment means through the information registration system shown in It shall be.

If the check result, the voucher card information included in the full payment approval request is opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If the transaction is not issued in connection with the virtual account, and is not associated with at least one or more customer payment means through the information registration system illustrated in FIGS. 9 and / or 14, the payment processing unit 2020 may perform a predetermined payment. Generates error history information, and the information transmitter generates a payment approval message including payment process history information corresponding to the payment error history information and transmits it to the payment terminal.

On the contrary, as a result of the confirmation, the voucher card information included in the full payment approval request is opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If issued in association with the virtual account, but not yet associated with at least one or more customer payment means through the information registration system shown in Figure 9 and / 14, the payment processing unit 2020 is the payment amount Perform a payment processing through a virtual account associated with the voucher card, or generate predetermined payment error history information according to the intention of a person skilled in the art, and the information transmitter transmits payment processing history information corresponding to the payment error history information; Generate a payment approval message including a and transmits to the payment terminal.

Or as a result of the confirmation, the voucher card information included in the full payment approval request is opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. The payment processing unit 2020 receives the payment amount if the payment has been issued in association with the virtual account, and is processed in connection with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14. It is characterized in that the first payment processing through the virtual account associated with the voucher card.

According to an exemplary embodiment of the present invention, when a balance is insufficient in a payment processing process through a virtual account associated with the voucher card, the payment processing unit 2020 issues the payment amount to the customer. It is desirable to process payment through a customer payment means corresponding to at least one payment card.

According to another exemplary embodiment of the present invention, when a balance is insufficient in the payment processing process through the virtual account associated with the voucher card, the payment processing unit 2020 may determine the balance of the virtual account. It is preferable to process a payment corresponding to the payment amount and the remaining payment amount through the customer payment means corresponding to at least one or more payment cards issued to the customer.

When the payment processing unit 2020 completes a payment processing procedure for the payment amount, a predetermined payment processing history including a corresponding payment approval history or a payment error history is generated, and the specialized processing unit generates the payment processing. Characterized in that the payment approval, including the details, characterized in that for transmitting to the payment terminal.

According to an embodiment of the present invention, if the payment terminal is a payment terminal that supports offline payment payment, the specialized transmission unit 2015 generates a payment approval message that can be transmitted through the VAN and the payment terminal through the VAN. It is desirable to send to.

According to another embodiment of the present invention, if the payment terminal is a payment terminal that supports online payment payment, the specialized transmission unit 2015 generates a payment approval message corresponding to the online payment protocol and generates the payment through the communication network. It is preferable to transmit to the terminal.

Referring to FIG. 20 according to another embodiment of the present invention, the payment server 2000 is a voucher card information and voucher card from the payment server 2000 via the VAN (or a communication network supporting an online payment protocol). A professional receiving unit 2005 that receives a payment approval request text including a payment amount and a payment amount of a customer payment method, and when the payment approval request text is received through the professional receiving unit 2005, is connected with the storage medium 2025. The voucher card corresponding to the voucher card information included in the full payment approval request is sent to the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. The voucher card is issued through the information registration system shown in FIGS. 9 and / or 14. The information confirmation unit 2010 confirms whether the processing is linked with at least one customer payment method, and if the voucher card is processed in connection with the virtual account and is linked with at least one customer payment method, the payment approval request message Payment processing of the voucher card payment included in the payment through a virtual account associated with the voucher card, and payment processing of the customer payment means through the customer payment means corresponding to at least one payment card issued to the customer A payment processing unit 2020 and a specialized transmission unit 2015 for generating a predetermined payment approval text including the payment processing history and transmitting the generated payment approval message to the payment terminal through the VAN (or a communication network supporting an online payment protocol). Characterized in that made.

The specialized receiving unit 2005 receives the full payment approval request message including the voucher card information corresponding to the voucher card, the virtual payment amount and the voucher card payment amount from a payment terminal supporting offline payment settlement through the VAN. It features.

Alternatively, the specialized receiving unit 2005 includes the voucher card information corresponding to the voucher card, the virtual payment amount and the voucher card payment amount from the payment terminal through the communication network supporting the online payment protocol according to the online payment protocol. Characterized in that to receive the full payment approval request.

When the payment approval request message including the voucher card information and the payment information is received through the specialized receiving unit 2005, the information confirming unit 2010 stores the information on the information registration system shown in FIGS. 9 and / or 14. By checking whether the voucher card information matching the voucher card information included in the received payment approval request full text exists among the voucher card information stored in the medium 2025, the voucher card information included in the payment approval request full text is shown in FIG. Through the card issuing system shown in FIG. 1 and / or the voucher virtual account opening system shown in FIG. 4, the card is issued in association with the virtual account opened under the customer's name. Check whether the voucher card associated with at least one customer payment means through the information registration system shown in It shall be.

If the check result, the voucher card information included in the full payment approval request is opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If the transaction is not issued in connection with the virtual account, and is not associated with at least one or more customer payment means through the information registration system illustrated in FIGS. 9 and / or 14, the payment processing unit 2020 may perform a predetermined payment. Generates error history information, and the information transmitter generates a payment approval message including payment process history information corresponding to the payment error history information and transmits it to the payment terminal.

On the contrary, as a result of the confirmation, the voucher card information included in the full payment approval request is opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If issued in association with the virtual account, but not yet associated with at least one or more customer payment means through the information registration system shown in Figure 9 and / 14, the payment processing unit 2020 is the payment amount Perform a payment processing through a virtual account associated with the voucher card, or generate predetermined payment error history information according to the intention of a person skilled in the art, and the information transmitter transmits payment processing history information corresponding to the payment error history information; Generate a payment approval message including a and transmits to the payment terminal.

Or as a result of the confirmation, the voucher card information included in the full payment approval request is opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. When issued in association with the virtual account, and processed in conjunction with at least one or more customer payment means through the information registration system shown in Figures 9 and / or 14, the payment processing unit 2020 is a full text of the payment approval request Payment processing of the voucher card payment included in the payment through a virtual account associated with the voucher card, payment processing of the customer payment means through the customer payment means corresponding to at least one payment card issued to the customer It is characterized by that.

According to an exemplary embodiment of the present invention, when a balance is insufficient in the process of processing the voucher card payment amount through a virtual account associated with the voucher card, the payment processing unit 2020 balances the balance of the voucher card payment amount. It is possible to process payment through a customer payment means corresponding to at least one payment card issued to the customer, the amount corresponding to the shortage, thereby the present invention is not limited.

Alternatively, if the balance is insufficient in the process of processing the payment through the customer payment means corresponding to the at least one payment card issued to the customer, the payment processing unit 2020 is the customer It is possible to process payment through the virtual account associated with the voucher card of the amount corresponding to the shortage of the payment means payment amount, thereby the present invention is not limited.

When the payment processing unit 2020 completes a payment processing procedure for the voucher card payment amount and the customer payment method payment amount, a predetermined payment processing detail including a payment approval detail or a payment error detail is generated. The specialized processing unit generates a payment approval message including the payment processing details and transmits the generated payment approval to the payment terminal.

According to an embodiment of the present invention, if the payment terminal is a payment terminal that supports offline payment payment, the specialized transmission unit 2015 generates a payment approval message that can be transmitted through the VAN and the payment terminal through the VAN. It is desirable to send to.

According to another embodiment of the present invention, if the payment terminal is a payment terminal that supports online payment payment, the specialized transmission unit 2015 generates a payment approval message corresponding to the online payment protocol and generates the payment through the communication network. It is preferable to transmit to the terminal.

21A, 21B, and 21C illustrate a payment process using a voucher card associated with at least one customer payment method according to an embodiment of the present invention.

In more detail, FIGS. 21A, 21B, and 21C are established in a payment terminal on the payment system shown in FIG. 20 through a voucher virtual account opening system shown in FIG. 1 and / or FIG. When the payment is made through the voucher card issued to the customer through the card issuing system shown in FIG. 7, the card is processed in association with the voucher virtual account, and generates the full payment approval request message including the voucher card information and the predetermined payment amount information. When the payment is sent to the payment server 2000 on the payment system shown in FIG. 20, the payment server 2000 issues the voucher card payment amount to be processed through the virtual account associated with the voucher card and issued to the customer. Confirm the customer payment method payment amount to be processed by the customer payment method corresponding to the at least one payment card The payment is made through the virtual account associated with the voucher card through the information registration system shown in FIGS. 9 and / or 14, and the payment amount of the confirmed customer payment means is determined. Regarding a process of payment processing through a customer payment means corresponding to at least one payment card issued to a customer, those skilled in the art to which the present invention pertains, FIGS. 21a, 21b and 21c By referring to and / or modified to infer various implementation methods for the payment process using the voucher card associated with at least one or more customer payment means, the present invention comprises all the inferred implementation methods, this figure The technical features are not limited only to the implementation method shown in 21a, 21b, and 21c.

Hereinafter, the payment terminal on the payment system shown in FIG. 20 in FIGS. 21A, 21B, and 21C is referred to as "terminal" for convenience, and the payment server 2000 on the payment system shown in FIG. 20 is referred to as "server" for convenience. A communication network to which a VAN and / or a predetermined online payment protocol is applied for communication between the payment terminal and the payment server 2000 is referred to as a "payment network" for convenience.

21A, 21B, and 21C, the terminal generates a predetermined payment approval request text including predetermined voucher card information and payment amount for payment processing according to the present invention (2100). The generated payment approval request message is transmitted to the server through the connected payment network (2105).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal), and / or Point of Sales (POS) terminal for processing offline payment using the voucher card, In this case, the payment network preferably comprises a VAN connected to the terminal.

When the terminal processes a predetermined offline payment as in the above-described method, the terminal reads out the predetermined voucher card information from the voucher card through a predetermined card reader and inputs a predetermined key in the offline payment process. Input a predetermined payment amount through a device (or confirm the payment amount through a barcode reader (or RFID reader)), generate a payment approval request message including the voucher card information and the payment amount, and make the payment through the VAN. It is preferable to transmit to the server 2000.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payments using the voucher card, so the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the terminal is connected to a web server such as a shopping mall server and / or a content server through a predetermined wired communication network and / or a wireless communication network, and receives payment information provided from the web server. It is preferable that the terminal comprises at least one wired terminal and / or a wireless terminal for processing the online payment using the voucher card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or assured) The payment server 2000 is connected to a predetermined payment network through a communication network including a click protocol.

When the terminal processes a predetermined online payment as in the above embodiment, the terminal reads out predetermined voucher card information from the voucher card through a predetermined card reader (or inputs a predetermined key) in the online payment process. Inputting predetermined voucher card information corresponding to the voucher card through the means), receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or a content server, and receiving the voucher card information and It is preferable to generate a payment approval request message including a payment amount and transmit it to the payment server 2000 according to the online payment protocol.

Those skilled in the art to which the present invention pertains, detailed technical features of the terminal for processing the online payment using the voucher card and detailed technical features of the online payment protocol for the online payment. Since it will be understood, detailed description thereof will be omitted for convenience.

The server receiving the full payment approval request message from the terminal through the payment network includes a storage medium 2025 for storing predetermined customer card interworking information through the information registration system shown in FIGS. 9 and / or 14. The voucher card corresponding to the voucher card information included in the full payment approval request is linked to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. Check whether it is issued in connection with the virtual account opened in the name (2110).

According to an exemplary embodiment of the present invention, the server may include voucher card information included in the received payment approval request text in the voucher card information stored in the storage medium 2025 on the information registration system shown in FIGS. 9 and / or 14. By inquiring whether there is a voucher card information that matches the voucher card information, the voucher card information included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 and the voucher virtual account shown in FIGS. It is preferable to check whether the system has been issued in connection with the virtual account opened under the customer's name.

If the voucher card information is not issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 2115), the server generates predetermined payment processing history information including the voucher card payment error history information (2120), generates a payment approval message including the payment processing history information (2191), and generates the generated The payment approval message is transmitted to the terminal through the payment network (2192), and in response, the terminal outputs (or prints) the payment processing details (eg, the voucher card payment error history information) included in the payment approval message. (2193).

On the other hand, if the voucher card information is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. The server checks whether the voucher card information is a voucher card associated with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2125).

According to an embodiment of the present invention, the server is matched with the voucher card information included in the received payment approval request full text stored in the storage medium 2025 on the information registration system shown in Figure 9 and / or Figure 14 By confirming the payment card information corresponding to the at least one customer payment means associated with the card information, the voucher card information and the at least one customer payment means through the information registration system shown in Figs. It is desirable to confirm whether the associated voucher card.

If the voucher card information has not been processed in connection with at least one customer payment means through the information registration system shown in Figs. 9 and / or 14 (2130), the server may provide the payment amount as shown in Fig. 21C. Payment processing through a customer payment means corresponding to at least one payment card issued to the customer.

On the other hand, if the voucher card information is cooperatively processed with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2130), the server is cooperatively processed with the voucher card information. Voucher card payment amount to be processed through a virtual account of the customer name corresponding to the account information (for example, a virtual account opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4); The customer payment means payment amount to be processed through the customer payment means corresponding to the at least one payment card issued to the customer is confirmed (2135).

According to an embodiment of the present invention, the voucher card payment amount and the customer payment means payment amount is preferably determined according to a policy provided in the server.

For example, in the policy, 90% of the payment amount is settled through a virtual account associated with the voucher card, and the remaining 10% is settled through a customer payment means corresponding to at least one payment card issued to the customer. If the payment amount is 100,000 won, the payment processing unit 2020 will process 90,000 won through the virtual account associated with the voucher card, the remaining 10,000 won to at least one payment card issued to the customer Confirm payment processing through the corresponding customer payment method.

When the voucher card payment amount and the customer payment means payment amount are confirmed as described above, the server connects with the financial system to the virtual account of the customer name corresponding to the virtual account information associated with the voucher card (for example, FIG. 1 and And / or check the validity of the payment for the virtual account through the voucher virtual account opening system shown in FIG. 4 to check that the voucher card payment amount can be processed through the virtual account opened under the name of the customer (2140).

According to an embodiment of the present invention, the payment validity checking process for the virtual account may include a virtual account (eg, shown in FIGS. 1 and / or 4) of the customer's name associated with the voucher card in connection with the financial system. It is preferable to include a step of checking whether a balance for payment of the amount corresponding to the voucher card payment amount is deposited in the virtual account opened under the name of the customer through the voucher virtual account opening system.

If the payment validity for the virtual account is not authenticated (2145), the server is a virtual account of the customer name associated with the voucher card (e.g., the voucher virtual account opening system shown in Figs. 1 and / or 4). Generate predetermined payment processing history information including virtual account payment error history information for the virtual account opened under the customer name (2150), and generate a payment approval message including the payment processing history information (2150); 2191), the generated payment approval message is transmitted to the terminal through the payment network (2192), and correspondingly, the terminal transmits the payment processing details included in the payment approval message (for example, to a virtual account of the customer's name). Virtual account payment error history information) is output (or printed) (2193).

On the other hand, if the payment validity for the virtual account is authenticated (2145), the server connects the confirmed voucher card payment amount in association with the financial system to the virtual account of the customer name associated with the voucher card (eg, FIG. 1). And / or payment processing through the voucher virtual account opening system shown in FIG. 4 through a virtual account opened under the name of the customer (2155).

If the payment processing of the voucher card payment amount through the virtual account of the customer name associated with the voucher card is confirmed (2160), the server is linked to the at least one payment card issued to the customer in connection with the financial system The payment validity of the customer payment means is checked whether the payment amount of the customer payment means can be processed through the corresponding customer payment means (2165).

According to the implementation method of the present invention, when the customer payment means corresponds to the credit card payment means, the payment validity verification process for the customer payment means, check the limit amount for the customer payment means in conjunction with the financial system It is preferred to include a process to.

Alternatively, when the customer payment means corresponds to the check card payment means and / or debit card payment means, the payment validity check process for the customer payment means, in connection with the financial system customer account associated with the customer payment means It is preferable that the step comprising the step of checking whether the balance that can pay the amount corresponding to the customer payment means payment amount is deposited.

If the payment validity for the customer payment means is not authenticated (2170), the server generates predetermined payment processing history information including customer payment means payment error history information for the customer payment means (2175), and A payment approval text including payment processing history information is generated (2191), and the generated payment approval text is transmitted to the terminal through the payment network (2192). In response, the terminal is included in the payment approval text. The payment processing history information (for example, the customer payment means payment error history information for the customer payment means) is output (or printed) (2193).

On the other hand, if the validity of the payment for the customer payment means is authenticated (2170), the server is associated with the financial system customer payment means corresponding to the at least one payment card issued to the customer payment amount of the confirmed customer payment means Through the payment process (2180).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (2185), the server is linked with the financial system and the virtual account payment approval history information corresponding to the virtual account associated with the voucher card; Generate predetermined payment processing history information including customer payment means payment approval history information corresponding to the customer payment means (2190), generate a payment approval full text including the payment processing history information (2191), the generation The payment approval message is transmitted to the terminal through the payment network (2192), and the terminal correspondingly, the payment processing history information included in the payment approval message (for example, the virtual account payment approval history information and customer payment). The means payment approval history information) is output (or printed) (2193).

Referring to FIG. 21C, when the payment amount (for example, a voucher card payment amount and a customer payment means payment amount) is processed through a virtual account associated with the voucher card, the server is connected with the financial system. The payment validity of the voucher card (or the virtual account) is checked whether the payment amount can be processed through the virtual account associated with the voucher card (2194).

According to an embodiment of the present invention, the payment validity verification process for the voucher card (or virtual account), in connection with the financial system can pay the amount corresponding to the payment amount to the virtual account associated with the voucher card. It is preferable to include a process of confirming that the remaining balance is deposited.

If the payment validity for the voucher card (or virtual account) is not authenticated (2195), the server generates predetermined payment processing history information including payment error history information for the voucher card (or virtual account). In operation 2196, a payment approval message including the payment processing history information is generated (2191), and the generated payment approval message is transmitted to the terminal through the payment network (2192). The payment processing history information (for example, payment error history information for the voucher card (or virtual account)) included in the payment approval message is output (or printed) (2193).

On the other hand, if the validity of the payment for the voucher card (or virtual account) is authenticated (2195), the server processes the payment amount through the virtual account associated with the voucher card in connection with the financial system (2197).

If the payment amount is processed through the virtual account associated with the voucher card (2198), the server is linked to the financial system, the predetermined information including payment approval history information for the voucher card (or virtual account) Generating payment processing history information (2199), generating a payment approval text including the payment processing history information (2191), transmitting the generated payment approval text to the terminal through the payment network (2192), In response, the terminal outputs (or prints) payment processing history information (eg, payment approval history information for the voucher card (or virtual account)) included in the full payment approval (2193).

22A, 22B, 22C, and 22D illustrate a payment process using a voucher card associated with at least one customer payment method according to another exemplary embodiment of the present invention.

In more detail, FIGS. 22A, 22B, 22C, and 22D show a predetermined customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 in the payment terminal on the payment system shown in FIG. When payment is made through a voucher card issued to the customer through the card issuing system shown in FIG. 7, the card is processed in connection with the voucher virtual account opened to the full payment approval request including the voucher card information and the predetermined payment amount information. After generating and transmitting to the payment server 2000 on the payment system shown in FIG. 20, the payment server 2000 transmits the payment amount to the virtual account associated with the voucher card through the card issuing system shown in FIG. 7. First, through the payment process, and if the balance of the virtual account associated with the voucher card is insufficient, the customer payment means associated with the voucher card As a person having ordinary knowledge in the technical field to which the present invention pertains, at least one customer payment means may be referred to and / or modified with reference to the drawings 22a, 22b, 22c, and 22d. Various implementation methods for the payment process using an associated voucher card may be inferred, but the present invention includes all the implementation methods inferred above, and is illustrated in FIGS. 22a and 22b and 22c and 22d. The technical features are not limited only by the implementation method.

Hereinafter, in FIG. 22A, 22B, 22C, and 22D, a payment terminal on the payment system shown in FIG. 20 is referred to as a “terminal” for convenience, and a payment server 2000 on the payment system shown in FIG. 20 is used for convenience. A "network" is referred to as a "payment network" for convenience of a communication network to which a VAN and / or a predetermined online payment protocol is applied to communicate the payment terminal with the payment server 2000.

22A, 22B, 22C, and 22D, the terminal generates a predetermined payment approval request text including predetermined voucher card information and a payment amount for payment processing according to the present invention (2200). The created payment approval request message is transmitted to the server through the payment network to which the terminal is connected (2205).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal), and / or Point of Sales (POS) terminal for processing offline payment using the voucher card, In this case, the payment network preferably comprises a VAN connected to the terminal.

When the terminal processes a predetermined offline payment as in the above-described method, the terminal reads out the predetermined voucher card information from the voucher card through a predetermined card reader and inputs a predetermined key in the offline payment process. Input a predetermined payment amount through a device (or confirm the payment amount through a barcode reader (or RFID reader)), generate a payment approval request message including the voucher card information and the payment amount, and make the payment through the VAN. It is preferable to transmit to the server 2000.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payments using the voucher card, so the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the terminal is connected to a web server such as a shopping mall server and / or a content server through a predetermined wired communication network and / or a wireless communication network, and receives payment information provided from the web server. It is preferable that the terminal comprises at least one wired terminal and / or a wireless terminal for processing the online payment using the voucher card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or assured) The payment server 2000 is connected to a predetermined payment network through a communication network including a click protocol.

When the terminal processes a predetermined online payment as in the above embodiment, the terminal reads out predetermined voucher card information from the voucher card through a predetermined card reader (or inputs a predetermined key) in the online payment process. Inputting predetermined voucher card information corresponding to the voucher card through the means), receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or a content server, and receiving the voucher card information and It is preferable to generate a payment approval request message including a payment amount and transmit it to the payment server 2000 according to the online payment protocol.

Those skilled in the art to which the present invention pertains, detailed technical features of the terminal for processing the online payment using the voucher card and detailed technical features of the online payment protocol for the online payment. Since it will be understood, detailed description thereof will be omitted for convenience.

The server receiving the full payment approval request message from the terminal through the payment network includes a storage medium 2025 for storing predetermined customer card interworking information through the information registration system shown in FIGS. 9 and / or 14. The voucher card corresponding to the voucher card information included in the full payment approval request is linked to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. Check whether it is issued in association with the virtual account opened in the name (2210).

According to an exemplary embodiment of the present invention, the server may include voucher card information included in the received payment approval request text in the voucher card information stored in the storage medium 2025 on the information registration system shown in FIGS. 9 and / or 14. By inquiring whether there is a voucher card information that matches the voucher card information, the voucher card information included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 and the voucher virtual account shown in FIGS. It is preferable to check whether the system has been issued in connection with the virtual account opened under the customer's name.

If the voucher card information is not issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 2215), the server generates predetermined payment processing history information including the voucher card payment error history information (2220), generates a payment approval message including the payment processing history information (2270), and generates The payment approval message is transmitted to the terminal through the payment network (2275), and correspondingly, the terminal outputs (or prints) the payment processing history (eg, the voucher card payment error history information) included in the payment approval message. (2280).

On the other hand, if the voucher card information is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 7 (2215) In operation 2225, the server checks whether the voucher card information is a voucher card associated with at least one customer payment means through the information registration system illustrated in FIGS. 9 and / or 14.

According to an embodiment of the present invention, the server is matched with the voucher card information included in the received payment approval request full text stored in the storage medium 2025 on the information registration system shown in Figure 9 and / or Figure 14 By confirming the payment card information corresponding to the at least one customer payment means associated with the card information, the voucher card information and the at least one customer payment means through the information registration system shown in Figs. It is desirable to confirm whether the associated voucher card.

If the voucher card information is not associated with at least one customer payment means through the information registration system shown in Figs. 9 and / or 14 (2230), the server may display the payment amount as shown in Fig. 22C. To process the payment through the virtual account associated with the voucher card.

According to another embodiment of the present invention, if the voucher card information is not associated with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2230), the server may Generate predetermined payment processing history information including voucher card payment error history information (2220), generate a payment approval text including the payment processing history information (2270), and generate the generated payment approval text in the payment network It is transmitted to the terminal through (2275), and correspondingly, the terminal may output (or print) payment processing details (for example, the voucher card payment error details information) included in the full payment approval (2280) Thereby, this invention is not limited.

On the other hand, if the voucher card information is cooperatively processed with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2230), the server is virtually cooperative with the voucher card information. A virtual account of the customer's name corresponding to the account information (for example, a virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4) as the preferred payment method for the payment amount A virtual account of a customer name corresponding to the virtual account information associated with the voucher card in connection with the financial system (eg, through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Check whether the payment amount can be processed through the virtual account opened under the customer's name). Check (2240).

According to an embodiment of the present invention, the payment validity checking process for the virtual account may include a virtual account (eg, shown in FIGS. 1 and / or 4) of the customer's name associated with the voucher card in connection with the financial system. It is preferable that the process comprises the step of checking whether a balance for payment of the amount corresponding to the payment amount is deposited in the virtual account opened under the name of the customer through the voucher virtual account opening system.

If the payment validity for the virtual account is not authenticated (2245), the server selects at least one customer payment method as the payment method for the payment amount through the information registration system shown in FIGS. 9 and / or 14. 2250, the payment is processed through at least one customer payment means through the information registration system shown in Figs. 9 and / or 14 as shown in Fig. 22D.

On the other hand, if the payment validity for the virtual account is authenticated (2245), the server connects the confirmed voucher card payment amount in association with the financial system to the virtual account of the customer name associated with the voucher card (eg, FIG. 1). And / or through the voucher virtual account opening system shown in FIG. 4, through the virtual account opened under the name of the customer) (2255).

If the payment processing of the voucher card payment amount is confirmed through the virtual account of the customer name associated with the voucher card (2260), the server corresponds to the virtual account associated with the voucher card in connection with the financial system. Generate predetermined payment processing history information including payment approval history information (2265), generate a payment approval text including the payment processing history information (2270), and generate the generated payment approval text through the payment network The terminal transmits (2175) the terminal to output (or prints) the payment processing history information (eg, the virtual account payment approval history information) included in the payment approval message (2280).

Referring to FIG. 22C, when the payment is processed through a virtual account associated with the voucher card, the server pays the payment through a virtual account associated with the voucher card in connection with the financial system. The payment validity of the voucher card (or virtual account) is verified to see if it can be processed (2282).

According to an embodiment of the present invention, the payment validity verification process for the voucher card (or virtual account), in connection with the financial system can pay the amount corresponding to the payment amount to the virtual account associated with the voucher card. It is preferable to include a process of confirming that the remaining balance is deposited.

If payment validity for the voucher card (or virtual account) is not authenticated (2284), the server generates predetermined payment processing history information including payment error history information for the voucher card (or virtual account). In operation 2270, a payment approval message including the payment processing history information is generated (2270), and the generated payment approval message is transmitted to the terminal through the payment network (2275). 2280 outputs (or prints) payment processing history information (for example, payment error history information for the voucher card (or virtual account)) included in the full payment approval (2280).

On the other hand, if the validity of payment for the voucher card (or virtual account) is authenticated (2282), the server processes the payment amount through the virtual account associated with the voucher card (2288) in association with the financial system (2288).

If the payment amount is processed through the virtual account associated with the voucher card (2290), the server is linked to the financial system, the predetermined information including payment approval history information for the voucher card (or virtual account) Generating payment processing history information (2292), generating a payment approval text including the payment processing history information (2270), transmitting the generated payment approval text to the terminal through the payment network (2275), In response, the terminal outputs (or prints) payment processing history information (for example, payment approval history information on the voucher card (or virtual account)) included in the full payment approval (2280).

Referring to FIG. 22D, when the payment is processed through at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14, the server is connected to the financial system to the customer. The payment validity of the customer payment means is checked whether the payment amount of the customer payment means can be processed through the customer payment means corresponding to the issued at least one payment card (2293).

According to the implementation method of the present invention, when the customer payment means corresponds to the credit card payment means, the payment validity verification process for the customer payment means, check the limit amount for the customer payment means in conjunction with the financial system It is preferred to include a process to.

Alternatively, when the customer payment means corresponds to the check card payment means and / or debit card payment means, the payment validity check process for the customer payment means, in connection with the financial system customer account associated with the customer payment means It is preferable that the step comprising the step of checking whether the balance that can pay the amount corresponding to the customer payment means payment amount is deposited.

If payment validity for the customer payment method is not authenticated (2294), the server generates predetermined payment processing history information including customer payment method payment error history information for the customer payment method (2295). A payment approval message including payment processing history information is generated (2270), and the generated payment approval message is transmitted to the terminal through the payment network (2275). In response, the terminal is included in the payment approval message. And outputs (or prints) the payment processing history information (for example, the customer payment method payment error history information for the customer payment method).

On the other hand, if the validity of payment for the customer payment means is authenticated (2294), the server corresponds to at least one payment card issued to the customer for the confirmed customer payment means payment amount in connection with the financial system. Payment processing through (2296).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (2297), the server in connection with the financial system customer approval means payment approval corresponding to the customer payment means associated with the voucher card Generate predetermined payment processing history information including history information (2298), generate a payment approval text including the payment processing history information (2270), and generate the payment approval full text through the payment network through the terminal In operation 2280, the terminal outputs (or prints) payment processing history information (eg, the customer payment method payment approval history information) included in the payment approval message.

23A, 23B, and 23C illustrate a payment process using a voucher card associated with at least one customer payment method according to another exemplary embodiment of the present invention.

In more detail, FIGS. 23A, 23B, and 23C are established in a predetermined customer name through a voucher virtual account opening system shown in FIGS. 1 and / or 4 in a payment terminal on the payment system shown in FIG. When payment is made through a voucher card issued to the customer through the card issuing system shown in FIG. 7, the card is processed in association with a voucher virtual account, generating a full payment approval request message including the voucher card information and predetermined payment amount information. The present invention relates to a process of processing a payment through a customer payment means associated with the voucher card when the payment server 2000 transmits the payment to the payment server 2000 on the payment system shown in FIG. 20. Those skilled in the art may refer to and / or modify at least one or more of the drawings 23a, 23b, and 23c. Various implementation methods for the payment process using the voucher card associated with the customer payment means may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIGS. 23A, 23B and 23C. The technical features are not limited only to the implemented method.

Hereinafter, the payment terminals on the payment system shown in FIG. 20 are referred to as "terminals" for convenience in FIGS. 23A, 23B, and 23C, and the payment server 2000 on the payment system shown in FIG. 20 is referred to as "servers" for convenience. A communication network to which a VAN and / or a predetermined online payment protocol is applied for communication between the payment terminal and the payment server 2000 is referred to as a "payment network" for convenience.

Referring to FIGS. 23A, 23B, and 23C, the terminal generates a predetermined payment approval request text including predetermined voucher card information and a payment amount for payment processing according to the present invention (2300). The created payment approval request message is transmitted to the server through the connected payment network (2305).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal), and / or Point of Sales (POS) terminal for processing offline payment using the voucher card, In this case, the payment network preferably comprises a VAN connected to the terminal.

When the terminal processes a predetermined offline payment as in the above-described method, the terminal reads out the predetermined voucher card information from the voucher card through a predetermined card reader and inputs a predetermined key in the offline payment process. Input a predetermined payment amount through a device (or confirm the payment amount through a barcode reader (or RFID reader)), generate a payment approval request message including the voucher card information and the payment amount, and make the payment through the VAN. It is preferable to transmit to the server 2000.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payments using the voucher card, so the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the terminal is connected to a web server such as a shopping mall server and / or a content server through a predetermined wired communication network and / or a wireless communication network, and receives payment information provided from the web server. It is preferable that the terminal comprises at least one wired terminal and / or a wireless terminal for processing the online payment using the voucher card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or assured) The payment server 2000 is connected to a predetermined payment network through a communication network including a click protocol.

When the terminal processes a predetermined online payment as in the above embodiment, the terminal reads out predetermined voucher card information from the voucher card through a predetermined card reader (or inputs a predetermined key) in the online payment process. Inputting predetermined voucher card information corresponding to the voucher card through the means), receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or a content server, and receiving the voucher card information and It is preferable to generate a payment approval request message including a payment amount and transmit it to the payment server 2000 according to the online payment protocol.

Those skilled in the art to which the present invention pertains, detailed technical features of the terminal for processing the online payment using the voucher card and detailed technical features of the online payment protocol for the online payment. Since it will be understood, detailed description thereof will be omitted for convenience.

The server receiving the full payment approval request message from the terminal through the payment network includes a storage medium 2025 for storing predetermined customer card interworking information through the information registration system shown in FIGS. 9 and / or 14. The voucher card corresponding to the voucher card information included in the full payment approval request is linked to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. Check whether it is issued in connection with the virtual account opened in the name (2310).

According to an exemplary embodiment of the present invention, the server may include voucher card information included in the received payment approval request text in the voucher card information stored in the storage medium 2025 on the information registration system shown in FIGS. 9 and / or 14. By inquiring whether there is a voucher card information that matches the voucher card information, the voucher card information included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 and the voucher virtual account shown in FIGS. It is preferable to check whether the system has been issued in connection with the virtual account opened under the customer's name.

If the voucher card information is not issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 2315), the server generates predetermined payment processing history information including the voucher card payment error history information (2320), generates a payment approval message including the payment processing history information (2365), and generates The payment approval message is transmitted to the terminal through the payment network (2370), and in response, the terminal outputs the payment processing details (eg, the voucher card payment error history information) included in the payment approval message (or Printing) (2375).

On the other hand, if the voucher card information is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 7 (2315) The server checks (2325) whether the voucher card information is a voucher card associated with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14.

According to an embodiment of the present invention, the server is matched with the voucher card information included in the received payment approval request full text stored in the storage medium 2025 on the information registration system shown in Figure 9 and / or Figure 14 By confirming the payment card information corresponding to the at least one customer payment means associated with the card information, the voucher card information and the at least one customer payment means through the information registration system shown in Figs. It is desirable to confirm whether the associated voucher card.

If the voucher card information has not been processed in connection with at least one customer payment means through the information registration system shown in Figs. 9 and / or 14 (2330), the server may set the payment amount as shown in Fig. 23C. To process the payment through the virtual account associated with the voucher card.

According to another exemplary embodiment of the present invention, when the voucher card information is not associated with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2330), the server may determine the Generate predetermined payment processing history information including voucher card payment error history information (2320), generate a payment approval text including the payment processing history information (2365), and generate the generated payment approval text in the payment network It is transmitted to the terminal through (2370), and correspondingly, the terminal may output (or print) payment processing details (for example, the voucher card payment error details information) included in the full payment approval (2375) Thereby, this invention is not limited.

On the other hand, if the voucher card information is processed in association with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2330), the server issues the certificate to the customer in connection with the financial system. The payment validity of the customer payment means is checked whether the customer payment means payment amount can be processed through the customer payment means corresponding to the at least one payment card (2335).

According to the implementation method of the present invention, when the customer payment means corresponds to the credit card payment means, the payment validity verification process for the customer payment means, check the limit amount for the customer payment means in conjunction with the financial system It is preferred to include a process to.

Alternatively, when the customer payment means corresponds to the check card payment means and / or debit card payment means, the payment validity check process for the customer payment means, in connection with the financial system customer account associated with the customer payment means It is preferable that the step comprising the step of checking whether the balance that can pay the amount corresponding to the customer payment means payment amount is deposited.

If the payment validity for the customer payment method is not authenticated (2340), the server generates predetermined payment processing history information including customer payment method payment error history information for the customer payment method (2345), A payment approval message including payment processing history information is generated (2365), and the generated payment approval message is transmitted to the terminal through the payment network (2370). In response, the terminal is included in the payment approval message. The payment processing history information (for example, the customer payment means payment error history information for the customer payment means) is output (or printed) (2375).

On the other hand, if the validity of payment for the customer payment means is authenticated (2340), the server is associated with the financial system customer payment means corresponding to the at least one payment card issued to the customer the payment amount of the confirmed customer payment means Through the payment process (2350).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (2355), the server payment approval for the customer payment means corresponding to the customer payment means associated with the voucher card in connection with the financial system Generate predetermined payment processing history information including the history information (2360), generate a payment approval message containing the payment processing history information (2365), and the generated payment approval message through the payment network through the terminal In operation 2370, the terminal outputs (or prints) payment processing history information (eg, the customer payment method payment approval history information) included in the payment approval message (2375).

Referring to FIG. 23C, when the payment is processed through a virtual account associated with the voucher card, the server pays the payment through a virtual account associated with the voucher card in connection with the financial system. The payment validity of the voucher card (or virtual account) is verified whether it can be processed (2382).

According to an embodiment of the present invention, the payment validity verification process for the voucher card (or virtual account), in connection with the financial system can pay the amount corresponding to the payment amount to the virtual account associated with the voucher card. It is preferable to include a process of confirming that the remaining balance is deposited.

If payment validity for the voucher card (or virtual account) is not authenticated (2384), the server generates predetermined payment processing history information including payment error history information for the voucher card (or virtual account). In operation 2365, a payment approval message including the payment processing history information is generated (2365), and the generated payment approval message is transmitted to the terminal through the payment network (2370). The payment processing history information (eg, payment error history information for the voucher card (or virtual account)) included in the payment approval message is output (or printed) (2375).

On the other hand, if the validity of the payment for the voucher card (or virtual account) is authenticated (2382), the server processes the payment amount through the virtual account associated with the voucher card (2388) in association with the financial system.

If the payment amount is processed through the virtual account associated with the voucher card (2390), the server is linked with the financial system, the predetermined information including payment approval history information for the voucher card (or virtual account) Generate payment processing history information of the device (2392), generate a payment approval text including the payment processing history information (2365), and transmit the generated payment approval text to the terminal through the payment network (2370). In response, the terminal outputs (or prints) payment processing history information (eg, payment approval history information for the voucher card (or virtual account)) included in the full payment approval (2375).

24A, 24B, and 24C illustrate a payment process using a voucher card associated with at least one customer payment method according to another exemplary embodiment of the present invention.

In more detail, FIGS. 24A, 24B, and 24C are established in a predetermined customer name through a voucher virtual account opening system shown in FIGS. 1 and / or 4 in a payment terminal on the payment system shown in FIG. The voucher card to be processed in connection with the voucher virtual account and the payment process through the voucher card information and the virtual account associated with the voucher card when the payment is made through the voucher card issued to the customer through the card issuing system shown in FIG. A payment approval request message including a payment amount information and a payment amount information of a customer payment method to be processed through a customer payment method corresponding to at least one payment card issued to the customer is generated and placed on the payment system shown in FIG. When the payment is sent to the payment server 2000, the payment server 2000 shows the payment amount of the virtual account in FIG. In the process of payment processing through the virtual account associated with the voucher card through the issued card issuing system, and the customer payment means payment amount through the customer payment means corresponding to at least one payment card issued to the customer For those of ordinary skill in the art to which the present invention pertains, a reference to and / or modification of the drawings 24a, 24b and 24c may be used for the payment process using a voucher card associated with at least one customer payment means. Various embodiments of the present invention may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation methods shown in FIGS. 24A, 24B, and 24C.

In the following Figures 24a, 24b and 24c, the payment terminal on the payment system shown in Figure 20 is referred to as "terminal" for convenience, and the payment server 2000 on the payment system shown in Figure 20 is referred to as "server" for convenience. A communication network to which a VAN and / or a predetermined online payment protocol is applied for communication between the payment terminal and the payment server 2000 is referred to as a "payment network" for convenience.

24A, 24B, and 24C, the terminal transmits a voucher card payment amount to the customer and a voucher card payment amount to be processed through a virtual account associated with the voucher card and predetermined voucher card information for payment processing according to the present invention. Generate a predetermined payment approval request text including payment information of the customer payment means to be processed through the customer payment means corresponding to the issued at least one payment card (2400), and through the payment network connected to the terminal The generated payment approval request message is transmitted to the server (2405).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal), and / or Point of Sales (POS) terminal for processing offline payment using the voucher card, In this case, the payment network preferably comprises a VAN connected to the terminal.

When the terminal processes a predetermined offline payment as in the above-described method, the terminal reads out the predetermined voucher card information from the voucher card through a predetermined card reader and inputs a predetermined key in the offline payment process. Enter the payment amount including the customer payment method payment amount and the virtual account payment amount through the device (or check the payment amount through a barcode reader (or RFID reader), and the customer payment method payment amount and virtual account payment among the payment amount) The amount is divided), and a payment approval request message including the voucher card information, the customer payment method payment amount, and the virtual account payment amount is preferably generated and transmitted to the payment server 2000 through the VAN.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payments using the voucher card, so the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the terminal is connected to a web server such as a shopping mall server and / or a content server through a predetermined wired communication network and / or a wireless communication network, and receives payment information provided from the web server. It is preferable that the terminal comprises at least one wired terminal and / or a wireless terminal for processing the online payment using the voucher card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or assured) The payment server 2000 is connected to a predetermined payment network through a communication network including a click protocol.

When the terminal processes a predetermined online payment as in the above embodiment, the terminal reads out predetermined voucher card information from the voucher card through a predetermined card reader (or inputs a predetermined key) in the online payment process. Inputting the voucher card information corresponding to the voucher card through the means), receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or the content server, etc. Check the payment method payment amount and the virtual account payment amount, and generates a full payment approval request message including the voucher card information, the customer payment method payment amount and the virtual account payment amount and the payment server (2000) according to the online payment protocol. Is preferred.

Alternatively, the terminal reads out the voucher card information from the voucher card through a predetermined card reader in the online payment process (or inputs the predetermined voucher card information corresponding to the voucher card through a predetermined key input means). Receiving payment information of the customer payment means and the virtual account payment amount from a web server such as the shopping mall server and / or the content server, and include the voucher card information, the customer payment means payment amount, and the virtual account payment amount. It is preferable to generate a payment approval request message to be transmitted to the payment server 2000 according to the online payment protocol.

Those skilled in the art to which the present invention pertains, detailed technical features of the terminal for processing the online payment using the voucher card and detailed technical features of the online payment protocol for the online payment. Since it will be understood, detailed description thereof will be omitted for convenience.

The server receiving the full payment approval request message from the terminal through the payment network includes a storage medium 2025 for storing predetermined customer card interworking information through the information registration system shown in FIGS. 9 and / or 14. The voucher card corresponding to the voucher card information included in the payment approval request specialist is linked to the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. Check whether it is issued in association with the virtual account opened in the name of the customer (2410).

According to an exemplary embodiment of the present invention, the server may include voucher card information included in the received payment approval request text in the voucher card information stored in the storage medium 2025 on the information registration system shown in FIGS. 9 and / or 14. By inquiring whether there is a voucher card information that matches the voucher card information, the voucher card information included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 and the voucher virtual account shown in FIGS. It is preferable to check whether the system has been issued in connection with the virtual account opened under the customer's name.

If the voucher card information is not issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 2415, the server generates predetermined payment processing history information including the voucher card payment error history information (2420), generates a payment approval message including the payment processing history information (2491), the generated The payment approval message is transmitted to the terminal through the payment network (2492), and correspondingly, the terminal outputs the payment processing details (eg, the voucher card payment error history information) included in the payment approval message (or Printing) (2493).

On the other hand, if the voucher card information is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. 7 (2415) The server checks whether the voucher card information is a voucher card associated with at least one customer payment means through the information registration system shown in FIGS. 9 and / or 14 (2425).

According to an embodiment of the present invention, the server is matched with the voucher card information included in the received payment approval request full text stored in the storage medium 2025 on the information registration system shown in Figure 9 and / or Figure 14 By confirming the payment card information corresponding to the at least one customer payment means associated with the card information, the voucher card information and the at least one customer payment means through the information registration system shown in Figs. It is desirable to confirm whether the associated voucher card.

If the voucher card information has not been associated with at least one customer payment means through the information registration system shown in Figs. 9 and / or 14 (2430), the server will accept the payment as shown in Fig. 24c. Payment is made through a customer payment means corresponding to at least one payment card issued to the customer.

On the other hand, if the voucher card information is processed in connection with at least one customer payment means through the information registration system shown in Figs. 9 and / or 14 (2430), the server is connected with the voucher card and the voucher card. The voucher card payment amount through a virtual account of the customer name corresponding to the linked virtual account information (for example, a virtual account opened under the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Check whether the payment validity for the virtual account can be processed (2440).

According to an embodiment of the present invention, the payment validity checking process for the virtual account may include a virtual account (eg, shown in FIGS. 1 and / or 4) of the customer's name associated with the voucher card in connection with the financial system. It is preferable to include a step of checking whether a balance for payment of the amount corresponding to the voucher card payment amount is deposited in the virtual account opened under the name of the customer through the voucher virtual account opening system.

If the payment validity for the virtual account is not authenticated (2445), the server is a virtual account of the customer name associated with the voucher card (e.g., the voucher virtual account opening system shown in Figs. 1 and / or 4). Generate predetermined payment processing history information including virtual account payment error history information for the virtual account opened under the name of the customer (2450), and generate a payment approval message including the payment processing history information; 2491, the generated payment approval message is transmitted to the terminal through the payment network (2492), and correspondingly, the terminal transmits the payment processing details included in the payment approval message (for example, to a virtual account of the customer's name). Virtual account payment error history information) is output (or printed) (2493).

On the other hand, if the validity of payment for the virtual account is authenticated (2445), the server connects the confirmed voucher card payment amount in association with the financial system to the virtual account of the customer name associated with the voucher card (eg, FIG. 1). And / or payment processing through the voucher virtual account opening system shown in FIG. 4 through a virtual account opened under the name of the customer (2455).

If the payment processing of the voucher card payment amount through the virtual account of the customer name associated with the voucher card is confirmed (2460), the server is connected to the financial system to at least one payment card issued to the customer The payment validity of the customer payment means is checked whether the payment amount of the customer payment means can be processed through the corresponding customer payment means (2465).

According to the implementation method of the present invention, when the customer payment means corresponds to the credit card payment means, the payment validity verification process for the customer payment means, check the limit amount for the customer payment means in conjunction with the financial system It is preferred to include a process to.

Alternatively, when the customer payment means corresponds to the check card payment means and / or debit card payment means, the payment validity check process for the customer payment means, in connection with the financial system customer account associated with the customer payment means It is preferable that the step comprising the step of checking whether the balance that can pay the amount corresponding to the customer payment means payment amount is deposited.

If the payment validity for the customer payment method is not authenticated (2470), the server generates predetermined payment processing history information including the customer payment method payment error history information for the customer payment method (2475), A payment approval message including payment processing history information is generated (2491), and the generated payment approval message is transmitted to the terminal through the payment network (2492). In response, the terminal is included in the payment approval message. The payment processing history information (for example, the customer payment means payment error history information for the customer payment means) is output (or printed) (2493).

On the other hand, if the payment validity for the customer payment means is authenticated (2470), the server is associated with the financial system customer payment means corresponding to the at least one payment card issued to the customer the payment amount of the confirmed customer payment means Payment processing through (2480).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (2485), the server and the virtual account payment approval history information corresponding to the virtual account associated with the voucher card in conjunction with the financial system; Generate predetermined payment processing history information including customer payment means payment approval history information corresponding to the customer payment method (2490), generate a payment approval message including the payment processing history information (2491), and generate The payment approval message is transmitted to the terminal through the payment network (2492), and the terminal correspondingly, the payment processing history information included in the payment approval message (for example, the virtual account payment approval history information and the customer payment means). Payment approval history information) is output (or printed) (2493).

Referring to FIG. 24C, when the payment amount (for example, a voucher card payment amount and a customer payment means payment amount) is processed through a virtual account associated with the voucher card, the server is connected with the financial system. The payment validity of the voucher card (or the virtual account) is verified whether the payment amount can be processed through the virtual account associated with the voucher card (2494).

According to an embodiment of the present invention, the payment validity verification process for the voucher card (or virtual account), in connection with the financial system can pay the amount corresponding to the payment amount to the virtual account associated with the voucher card. It is preferable to include a process of confirming that the remaining balance is deposited.

If payment validity for the voucher card (or virtual account) is not authenticated (2495), the server generates predetermined payment processing history information including payment error history information for the voucher card (or virtual account). In operation 2496, a payment approval message including the payment processing history information is generated (2491), and the generated payment approval message is transmitted to the terminal through the payment network (2492). The payment processing history information (eg, payment error history information for the voucher card (or virtual account)) included in the payment approval message is output (or printed) (2493).

On the other hand, if the validity of the payment for the voucher card (or virtual account) is authenticated (2495), the server processes the payment amount through the virtual account associated with the voucher card (2497) in association with the financial system.

If the payment amount is processed through a virtual account associated with the voucher card (2498), the server is linked to the financial system, the predetermined information including payment approval history information for the voucher card (or virtual account) Generate payment processing history information of the mobile terminal (2499), generate a payment approval text including the payment processing history information (2491), and transmit the generated payment approval text to the terminal through the payment network (2492) In response, the terminal outputs (or prints) payment processing history information (eg, payment approval history information for the voucher card (or virtual account)) included in the full payment approval (2493).

According to the present invention, at least one beneficiary may be provided by a predetermined national institution (eg, the Ministry of Health and Welfare that operates the Welfare Fund, or the National Pension Service that operates the National Pension Service, or each local government) and / or insurance company. There is an advantage in that the funds (or pensions, or insurance) to be managed are effectively and reliably paid to the beneficiary through the payment virtual account opened in the name of the customer.

According to the present invention, at least one beneficiary may be provided by a predetermined national institution (eg, the Ministry of Health and Welfare that operates the Welfare Fund, or the National Pension Service that operates the National Pension Service, or each local government) and / or insurance company. By issuing a predetermined card associated with a payment virtual account in which a fund (or pension or insurance) to be managed is deposited, and linking the card with at least one customer payment method, the payment is made in the electronic payment process using the card. There is an advantage in that the payment processing through the payment virtual account, and / or payment processing through the customer payment means associated with the card.

According to the present invention, at least one beneficiary may be provided by a predetermined national institution (eg, the Ministry of Health and Welfare that operates the Welfare Fund, or the National Pension Service that operates the National Pension Service, or each local government) and / or insurance company. An electronic card corresponding to an electronic payment using the card by issuing a predetermined card associated with a payment virtual account in which a fund (or pension or insurance) to be managed is deposited and linking the card with at least one customer payment method; This has the advantage of saving payment fees.

Claims (4)

When a predetermined account is opened for payment of the specific amount to a customer receiving a specific amount of money such as a welfare fund, and a predetermined card is issued using the opened account as a payment account, the issued card information is stored in a predetermined information storage means. Storing the data in a predetermined storage medium by linking the information with a second payment means such as a credit card, a debit card, a check card, etc. owned by the customer; And In the payment processing using the card of the customer, at a predetermined payment processing means, a part of the payment amount is processed through a specific amount payment account corresponding to the card, and the remaining part of the payment amount is owned by the customer. And a payment processing step of processing a payment through a second payment means. The method of claim 1, wherein the payment processing step, When the payment is processed through the specific amount payment account corresponding to the card, the payment processing amount is withdrawn from the account of the payment amount operator (or payment amount operation related person) who is the parent account of the specific amount payment account. Way. A recording medium which records a program for executing the method of claim 1. When a predetermined account is opened for payment of a specific amount to a customer, and a predetermined card is issued using the opened account as a payment account, the second payment means-credit card owned by the customer is issued. Debit card, check card, etc.-information storage means for processing the information in association with the predetermined storage medium; And In the payment processing using the card of the customer, a part of the payment amount is processed through an account corresponding to the card, and the remaining part of the payment amount is processed through a second payment means owned by the customer. Payment processing system comprising; payment processing system comprising a.

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