KR20080052765A - Ic card, system and method for processng payment by using ic card - Google Patents

Abstract

An IC card, and a system and a method for processing payment by using the same are provided to invite a welfare fund and insurance money of an insurance company, and invite voucher receivers as a customer by providing the voucher receiver with the IC card storing voucher card information and payment tool information, and processing payment with the voucher card information and the payment tool information. An IC card separately stores voucher card information by using a voucher payment account as a payment account, and information of a second payment tool such as a credit card, a debit card, and a check card. An information receiver(715) receives the voucher card information and the second payment tool information from the IC card when payment using the IC card is processed. A payment processor processes a part of a payment amount with a voucher payment account corresponding to a voucher card and processes the remaining payment amount with the second payment tool based on the received information. The payment amount is withdrawn from an account, which is a mother account of the voucher payment account, of a voucher payer when the payment is processed.

Description

IC Card, System and Method for Processng Payment by Using IC Card}

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 IC card issuing system for payment processing using a voucher IC card according to an embodiment of the present invention.

8 is a diagram illustrating a voucher IC card issuing process for payment processing using a voucher IC card according to an embodiment of the present invention.

9 is a diagram illustrating a voucher IC card issuing process for payment processing using a voucher IC card according to another embodiment of the present invention.

10 is a view showing the functional configuration of a voucher IC card according to the method of the present invention.

Fig. 11 shows the file structure of an IC card for storing IC chip storage information according to a preferred embodiment of the present invention.

12 is a diagram illustrating a payment system configuration using a voucher IC card according to an embodiment of the present invention.

13A and 13B illustrate a payment process using a voucher IC card according to an embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a payment process using a voucher IC card according to another exemplary embodiment of the present invention.

15A and 15B are diagrams illustrating a payment process using a voucher IC card according to another exemplary embodiment of the present invention.

16A and 16B illustrate a payment process using a voucher IC card according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

700: card issuing server 705: interface unit

710: interface providing unit 715: information receiving unit

720: information storage unit 725: information generation unit

730: card issuing unit 735: card information D / B

740: card issuing terminal

The present invention provides an IC card for separately separating and storing voucher card information (or voucher subject authentication information) and payment means (credit / debit / check card, etc.) held by the voucher subject in separate storage areas, and providing a voucher IC card. When the payment is processed, the payment approval is processed by determining whether some of the payment can be processed through the payment method held by the voucher subject stored in the IC card, based on the voucher card information (or voucher subject authentication information) stored on the voucher IC card. The present invention relates to a payment processing method and system for attracting welfare funds, insurance companies, etc. to the current account, and attracting the vouchers to the current customer.

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. There is an inconvenience of having to make a payment or use a moneyless remittance through a 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 receiving a certain amount of money, such as a welfare fund, and a predetermined card is issued that uses the opened account as a payment account. Store and record the issued card information and a second payment means-a credit card, a debit card, a check card, etc.-owned by the customer in a predetermined information storage means in the customer-owned IC card; In the payment processing using the IC card, the card information stored in the IC card, the second payment means information and payment information is transmitted from the card terminal to the payment processing means, and the payment processing means is included in the payment information. Part of the payment amount is settled through a specific amount payment account corresponding to the card, and the remaining part of the amount is set to the second payment means. The present invention provides a payment processing method and system for processing payment.

The IC card according to the present invention includes an interface unit for processing a predetermined card terminal and a predetermined data input / output, card information for making an account opened for payment of a specific amount of money such as a welfare fund, and a second account owned by a customer. IC chip for storing information in payment means-credit card, debit card, check card, etc.-in separate areas and at the time of payment processing, the card information and the second payment means information stored separately in the memory at the interface And a processor for driving an application provided to the card terminal through the unit.

On the other hand, the payment processing system according to the present invention, the card information for the account set up for payment of a specific amount, such as welfare funds as the payment account and the second payment means owned by the customer-credit card, debit card, check card, etc.- An IC card having information, information receiving means for receiving the card information stored in the IC card, the second payment means information, and the payment information during payment processing using the IC card, and on the basis of the received information; Some of the payment amount included in the payment information includes a payment processing means for processing a payment through a specific amount payment account corresponding to the card, and the remaining part of the payment amount for payment through the second payment means. Characterized in that made.

According to the present invention, the payment processing means, 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 payment processing method according to the present invention, when a predetermined account for the payment of the specific amount is opened to the customer receiving a certain amount of money, such as welfare funds, if a predetermined card is issued as a settlement account, Storing and issuing the issued card information and second payment means-credit card, debit card, check card, etc.-owned by the customer in a predetermined information storage means in the customer-owned IC card; Transmitting a card information stored in the IC card, the second payment means information, and the payment information from the card terminal to the payment processing means in the payment processing using the IC card of the customer; Some of the included payment amount is processed through a specific amount payment account corresponding to the card, and the other part of the payment amount is the second payment Characterized in that it comprises the step of payment processing through means.

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

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

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

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

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments 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's just

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 the window of the financial institution that opens the voucher virtual account, fill out the application for opening a predetermined virtual account, and submit it to the cashier. The cashier corresponding to the virtual account opening application corresponds to the virtual account opening application through a predetermined counter terminal. If the account opening application information is provided, the voucher virtual account opening system according to the present invention In an exemplary method is for opening a virtual account vouchers vouchers for opening the virtual account payments to the virtual account opening application information to the voucher subjects.

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 the 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 item of information for opening a voucher-paid virtual account) for opening (or the clerk visits the welfare fund management agency) The welfare fund operation institution to prepare a predetermined virtual account opening application for opening the voucher payment virtual account), and submit the completed virtual account opening application to the counter staff, and the counter staff opens the predetermined counter terminal. Enter (or select) information entered in the virtual account opening application form, and Nine words are preferably sent to the voucher virtual account opening server 100 provided on the voucher virtual account opening system of the information the input (or selected) through the financial network.

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

In the voucher virtual account opening system as described above, a virtual account opening application prepared by the welfare fund operation institution, a window terminal used by the teller and the window terminal and the voucher virtual account opening server (100) The network performs a function of a virtual account opening interface for the welfare fund management institution to register virtual account opening application information for opening 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 is provided through the voucher virtual account. It is preferable to include a financial transaction service for opening an 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 made by also being preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. 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. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

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

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

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

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

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

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

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

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

According to the implementation method of the present invention, the virtual account opening application information is 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 The call), or the card number, etc.) included in the voucher card preferably comprises.

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

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

In this case, the validity of the virtual account opening 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 the voucher) And at least one ledger information to be provided for processing at least one or more financial transactions (e.g., voucher payment, withdrawal, account transfer, or payment through voucher payment).

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

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

2 is a 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 CIF (Customer Information File) number, country code, Contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company Address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

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

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

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

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

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

3 is a view illustrating a process of opening a voucher virtual account for opening a 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 request information is transmitted to the server 100, the voucher virtual account opening server 100 transmits a predetermined voucher virtual account based on the virtual account opening application information. As a process of opening the present invention, those of ordinary skill in the art to which the present invention pertains, various implementation methods of opening the voucher virtual account for opening the voucher payment virtual account by referring to and / or modifying the drawing 3. It can be inferred, but the present invention includes all the inferred implementation method, the embodiment shown in Figure 3 It is not limited.

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 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 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).

If one of ordinary skill in the art of the present invention belongs to the account ledger (or virtual account is requested by the voucher subject to at least one or more financial transactions (eg withdrawal of voucher payment, account transfer) Or, you will be familiar with the configuration of at least one ledger information to be processed in order to process the payment through the payment amount voucher), detailed description thereof will be omitted for convenience.

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

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

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

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

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

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

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

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

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

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

4 is a diagram illustrating a voucher virtual account opening system for opening a non-face-to-face voucher 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 The present invention relates to a method of opening a voucher virtual account for opening the voucher payment virtual account under the name of the voucher.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the construction of a voucher virtual account opening system for opening a voucher 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 is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

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 can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the voucher virtual account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the welfare fund operation 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 creation of a non-face-to-face voucher virtual account, the welfare fund operation institution terminal may have a predetermined financial network (eg, financial) in addition to the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a common network, and / or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), a Voice over IP (VoIP) network, and / or a wireless telephone network such as a mobile communication network or a wireless VoIP network. A terminal (and / or) is provided further comprising a predetermined communication terminal (not shown) connected to, and / or provided in at least one or more institutions affiliated with the financial institution. May further include a server) (not shown), whereby the present invention is not limited thereto.

In the case of supporting a non-face-to-face voucher virtual account opening as described above, when the welfare fund operating institution terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the voucher virtual account opening server 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 The wired telephone network and / or the wireless telephone network may be used by the welfare fund management institution to provide information on the application for opening a virtual account for opening the voucher payment 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 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 is provided through the voucher virtual account. It is preferable to include a financial transaction service for opening an account.

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction services, 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 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 at least one ledger D / B on a financial system storing at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

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

The 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 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 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. Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

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 (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

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 the user interface generated (or extracted) in conjunction with the interface unit 405 to the welfare fund operation institution terminal through the network means.

Thereafter, the welfare fund operation institution terminal inputs (or selects) the virtual account opening application information based on the user interface, and the virtual account opening application information is input (or selected) through the network means. Transfer to the account opening server 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 provided in the client terminal, and generate the generated (or extracted) user interface through the interface unit 405 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 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 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. 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).

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

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generation unit 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 including at least one or more of the consolidation, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation. Periodic receipt information including at least one or more of a period, a number of days, a period extension, an expiration date and a target amount, and / or an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of 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, wherein the actual balance of the voucher virtual account is deposited in the welfare fund management account. It is preferable.

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

6 is a view illustrating a process of opening a voucher virtual account for opening a non-face-to-face voucher 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 all the methods, and is not limited to the embodiment shown in FIG.

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 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 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).

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 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 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 a voucher subject personal information including at least one of a telephone number, a mobile 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).

7 is a diagram illustrating a voucher IC card issuing system for payment processing using a voucher IC card according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a voucher IC card in which a predetermined customer opens a voucher IC card issuing system through a predetermined card issuing interface through a payment virtual account opening system shown in FIGS. 1 and / or 4. If the predetermined card issuance application information for payment processing is provided, the voucher IC card issuing system opens the payment virtual account shown in Figs. 1 and / or 4 to the customer based on the provided card issuance application information. The present invention relates to a system for issuing a voucher IC card having a voucher card information (or customer authentication information) corresponding to a payment virtual account opened in a customer's name and at least one customer's payment means information. Those skilled in the art can refer to and / or modify this drawing to provide a voucher IC. Various implementation methods for the configuration of the voucher IC card issuing system for payment processing using the card 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. .

In addition, if one of ordinary skill in the art to which the present invention pertains, the voucher is provided with at least one customer payment means on the voucher IC card equipped with an open platform by referring to and / or modifying the drawing 7, Voucher IC card post issuance system configuration for recording the voucher card information (or card application) in the form of IC chip storage information into the IC card can be inferred, but the present invention can be inferred from the inferred voucher IC card post-issuance system. It includes all, by which the present invention is not limited.

At least one or more means for issuing a predetermined voucher IC card to the customer based on the card issuance application information provided from the customer through a predetermined card issuing interface on the voucher IC card issuing system shown in FIG. Or the component corresponding to the functional configuration is referred to as "card issuing server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a voucher IC card issuing for payment processing using a voucher IC card opened under a customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4 The 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 IC 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 IC card issuing system through a predetermined network means. The card issuing server 700 and the communication channel is connected.

According to an embodiment of the present invention, the customer visits the financial institution for payment processing using a voucher IC card opened under the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4. At least one information item for a predetermined card issuance application (e.g., payment processing using a voucher IC card) through a window provided at the financial institution (or through a card issuing staff). (Or a document with a form for filling out a card) (or the card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for payment processing using the voucher IC card). When the completed card issuance application is submitted to the card issuing staff, the card issuing staff is small. A card provided on the voucher IC card issuing system through the network means for inputting (or selecting) the information written in the card issuance application through a teller terminal of the card; It is preferable to transmit to the issuing server 700.

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

In the voucher IC card issuing system as described above, the card issuance application created 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 The card issuing interface for registering card issuing application information for payment processing using a voucher IC card opened in a customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4 is performed.

According to another exemplary embodiment of the present invention, when the voucher IC card issuing system supports a non-face-to-face card issuance application, the customer is wireless connected to a wired terminal and / or a wireless communication network connected to a predetermined wire network. The payment issuance virtual shown in FIG. 1 and / or FIG. 4 is connected to the card issuing server 700 through at least one client terminal of the terminal and through at least one user interface provided by the card issuing server 700. When the card issuing application information for payment processing using the voucher IC card opened in the name of the customer through the account opening system is input (or selected), the client terminal is provided on the voucher IC 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 is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the 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 IC 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 line connecting the client terminal and the card issuing server 700. The network and / or wireless network is for the customer to register the card issuing application information for payment processing using the voucher IC card opened in the customer's name through the payment virtual account opening system shown in Figs. 1 and / or 4. Functions as a card issue interface.

According to another exemplary embodiment of the present invention, when the voucher IC card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 740 is a predetermined terminal, in addition to the counter terminal and / or the client terminal. And further comprising an automated teller machine (not shown) including an automated teller machine (ATM), a cash dispenser (CD) connected to a financial network (eg, a financial common network), and / or Or a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network, and / or a mobile communication network or a wireless VoIP network. The terminal further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a network, and / or a terminal provided in at least one or more institutions affiliated with the financial institution (and / Or server) (not shown), by 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 with the payment process using the voucher IC card opened in the customer's name by the customer through the payment 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, and / or when the card issuing terminal 740 is the call terminal (not shown), the call terminal (not shown) and the call. A wired telephone network and / or a wireless telephone network connecting a terminal (not shown) and the card issuing server 700 may be configured by the customer to install a payment virtual account opening system shown in FIGS. 1 and / or 4. The card issuance interface for registering the card issuance application information for payment processing using the voucher IC card opened in the customer's name through, and / or the institution is affiliated with the financial institution that is the card issuing terminal 740 If the terminal (and / or server) (not shown) provided in the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuing server 700 Network is connected to the card issuing card for registering the card issuing application information for payment processing using the voucher IC card opened in the customer's name through the payment virtual account opening system shown in Figure 1 and / or Figure 4 Function of the interface

According to the method of the present invention, the card issuance application information is issued through the voucher IC card issuing system shown in Figure 7 is issued a voucher IC card (or open the payment virtual account shown in Figures 1 and / or 4) Customer information corresponding to the payment virtual account opened through the system) and virtual account information corresponding to the payment virtual account opened in the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4; Preferably, the customer information and the virtual account information are the card issuance application information in the voucher IC card issuing system shown in FIG. 7 and the voucher IC card post-issuance system inferred by referring to and / or modifying the present invention. Common information included in.

Here, the customer information included in the card issuance application information is customer personal information corresponding to the payment virtual account opened through the payment virtual account opening system shown in FIGS. 1 and / or 4 (for example, customer name and resident registration 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 in the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include one or more.

In the voucher IC card issuing system as shown in FIG. 7, at least one or more card company (or financial company) provides at least one customer payment method (eg, credit card payment method, check card payment method, debit card payment) to the customer. Means, prepaid card payment means, etc.), the card issuance application information discards a payment card corresponding to at least one customer payment means previously issued to the customer, and the customer payment means It is preferable to further comprise the customer payment means transfer information for requesting to process the information as a customer payment means information in the form of IC chip storage information in an independent storage area of the voucher IC card.

In addition, in the voucher IC card issuing system as shown in FIG. 7, at least one customer payment means (eg, credit card payment method, check card payment method, debit card payment method, prepaid card payment) is applied to the voucher IC card. Means) and the customer payment means issuance information for requesting to process the issued customer payment means as customer payment means information in the form of IC chip storage information and to record in an independent storage area of the voucher IC card. It is preferable.

Those skilled in the art to which the present invention pertains, and will be familiar with the configuration of the customer payment means transfer information, or the configuration for issuing customer payment means, detailed description thereof will be omitted for convenience.

The card information D / B 735 provided on the voucher IC card issuing system according to the present invention provides a predetermined voucher IC card to the customer based on the card issuance application information provided from the card issuing terminal 740. After issuing, predetermined voucher card information (or customer authentication information) generated in response to issuing the voucher IC card, customer information and virtual account information included in the card issuance application information, and an independent storage area of the voucher IC card are issued. Characterizing and storing the customer payment means information corresponding to the recorded at least one customer payment means.

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 IC card issuing system (or associated with the voucher IC card issuing system). Preferably, the card information D / B 735 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. The present invention 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 IC card issuing system, and / or the Internet banking system, and / or tele It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a wireless banking system, and / or a TV banking system, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 735 may include the voucher card information (or customer authentication information), virtual account information, customer information, and customer payment means information on the voucher IC card issuing system. It is preferable to be provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using, wherein the position where the card information D / B (735) is provided according to the intention of those skilled in the art It may be carried out in various ways, by which the present invention is not limited.

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

According to the embodiment of the present invention, the 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 (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

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 generator 725 for generating predetermined voucher card information (or customer authentication information) corresponding to the voucher IC card to be issued to the customer based on the received card issuing application information; Independent storage provided on a given voucher IC card through a predetermined card issuing device by generating the voucher card information (and / or virtual account information) in the form of IC chip storage information including the voucher card information (or customer authentication information). The card issuing unit 730 for recording in an area, and the voucher card information (or customer authentication information) corresponding to the voucher IC card issued to the customer, the virtual account information, the customer information, and the customer payment means information are linked and processed. And an information storage unit 720 for storing in the information D / 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. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 700 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 705 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 preferable 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 the method of the present invention, the card issuance application information is issued through the voucher IC card issuing system shown in Figure 7 is issued a voucher IC card (or open the payment virtual account shown in Figures 1 and / or 4) Customer information corresponding to the payment virtual account opened through the system) and virtual account information corresponding to the payment virtual account opened in the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4; Preferably, the customer information and the virtual account information are the card issuance application information in the voucher IC card issuing system shown in FIG. 7 and the voucher IC card post-issuance system inferred by referring to and / or modifying the present invention. Common information included in.

Here, the customer information included in the card issuance application information is customer personal information corresponding to the payment virtual account opened through the payment virtual account opening system shown in FIGS. 1 and / or 4 (for example, customer name and resident registration 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 in the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include one or more.

In the voucher IC card issuing system as shown in FIG. 7, at least one or more card company (or financial company) provides at least one customer payment method (eg, credit card payment method, check card payment method, debit card payment) to the customer. Means, prepaid card payment means, etc.), the card issuance application information discards a payment card corresponding to at least one customer payment means previously issued to the customer, and the customer payment means It is preferable to further comprise the customer payment means transfer information for requesting to process the information as a customer payment means information in the form of IC chip storage information to be recorded in an independent storage area of the voucher IC card.

In addition, in the voucher IC card issuing system as shown in FIG. 7, at least one customer payment means (eg, credit card payment method, check card payment method, debit card payment method, prepaid card payment) is applied to the voucher IC card. Means) and the customer payment means issuance information for requesting to process the issued customer payment means as customer payment means information in the form of IC chip storage information and to record in an independent storage area of the voucher IC card. It is preferable.

Those skilled in the art to which the present invention pertains, and will be familiar with the configuration of the customer payment means transfer information, or the configuration for issuing customer payment means, detailed description thereof will be omitted for convenience.

The information generation unit 725 generates predetermined voucher card information (or customer authentication information) to be provided in the voucher IC card to the customer based on the card issuance application information received through the information receiving unit 715. It is characterized by.

Here, the voucher card information (or customer authentication information) is characterized in that it comprises a predetermined voucher card number, and preferably further comprises the voucher card validity period.

Alternatively, the voucher card information (or customer authentication information) is customer specific information assigned to the customer by the welfare institution (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card) Etc.) is preferably included.

When predetermined voucher card information (or customer authentication information) included in the voucher IC card is generated by the information generation unit 725, the card issuing unit 730 generates the voucher card information (or customer authentication information). Voucher card information (or virtual account information) in the form of IC chip storage information is generated and recorded in an independent storage area provided in the given voucher IC card through a predetermined card issuing device.

According to an embodiment of the present invention, the voucher card information (and / or virtual account information) in the form of the IC chip storage information includes a voucher card number generated by the information generation unit 725 and a voucher card expiration date. Voucher card information, and / or customer specific information assigned to the customer by the welfare institution (e.g., a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher certificate card). It is preferable.

The voucher card information (and / or virtual account information) in the form of the IC chip storage information may include virtual account information (for example, the voucher virtual account shown in FIGS. 1 and / or 4) included in the card issuance request information. Virtual account information opened in the name of the customer through the establishment system), preferably in this case, it is possible to process the payment in the shadow account method through the virtual account.

In addition, when the card issuing application information further includes the customer payment means transfer information, the card issuing unit 730 is at least one customer payment means (eg, at least one or more card company (M) Or discard a payment card corresponding to at least one customer payment method (eg, credit card payment method, check card payment method, debit card payment method, prepaid card payment method, etc.) previously issued to the customer by a financial institution). And generating customer payment means information obtained by processing the customer payment means in the form of IC chip storage information and recording the information in an independent storage area provided in the predetermined voucher IC card through a predetermined card issuing device.

In addition, when the card issuing application information further includes the customer payment means issuance information, the card issuing unit 730 generates a predetermined customer payment means information in the form of IC chip storage information corresponding to the customer payment means issuance information The card issuing apparatus is characterized by recording in an independent storage area provided in a predetermined voucher IC card.

In the case of including a voucher IC card post-issuance system configuration according to another exemplary embodiment of the present invention, the card issuing unit 730 may include voucher card information (and / or virtual account information) in the form of the IC chip storage information, and / or Package the customer payment means information in the form of the IC chip storage information and transmit it to the card issuing terminal 740 through a network means, and the voucher card information (and / or virtual account information) of the packaged IC chip storage information form, And / or the customer payment means information may be recorded in each independent storage area provided in the voucher IC card owned by the customer through the voucher IC card reader provided in the card issuing terminal 740, whereby The invention is not limited.

Here, the voucher card information (or virtual account information), and / or customer payment means information in the form of the IC chip storage information comprises a file structure operable through the COS (Chip Operating System) provided in the IC chip desirable.

Then, the information storage unit 720 is the voucher card information (or customer authentication information) generated through the information generation unit 725 and the card issuance request received from the customer through the information receiving unit 715 The card information D / C is linked by processing the customer information included in the information, the virtual account information, and predetermined customer payment means information corresponding to at least one customer payment means information recorded in an independent storage area included in the voucher IC card. It stores in the B (735).

8 is a diagram illustrating a voucher IC card issuing process for payment processing using a voucher IC card according to an embodiment of the present invention.

In more detail, in FIG. 8, in the voucher IC card issuing system shown in FIG. The card issuing application information including the customer information, the virtual account information, and the customer payment means transfer information to the card issuing server 700 through a client terminal and a network means including at least one or more; In the issuing server 700, the IC chip storage information form corresponding to the voucher card information (and / or virtual account information) in the form of IC chip storage information and the customer payment means transfer information to the customer based on the provided card issuance application information. The voucher IC card associated with the payment virtual account by recording the customer's payment method information in a separate storage area. For the process of issuing a voucher IC card for processing, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 8 for the voucher for payment processing using the voucher IC card Various implementation methods for issuing an IC card may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 8, the voucher IC card is manufactured and provided (or shipped) to the customer, and then the voucher card information (or customer authentication information) and the virtual account information are provided to the card information D / B 735. Although it is illustrated and described as storing the customer information and customer payment means information, predetermined voucher card information (or customer authentication information), virtual account information and customer information and the like in the card information D / B 735 according to the intention of the skilled person The process of storing the customer payment means information may be performed before the voucher IC card is manufactured or before the voucher IC card is manufactured or provided (or shipped) to the customer, and the present invention is not limited thereto. .

In addition, if a person of ordinary skill in the art to which the present invention pertains, the voucher IC card issuing system configuration shown in Figure x and the voucher IC card issuing process shown in Figure 8, and by referring to and / or modified, the voucher It is possible to infer a process of issuing a voucher IC card for payment processing using the voucher IC card through the IC card post-issuance, but the present invention includes all the inferred implementation methods, whereby the present invention is not limited thereto. No.

Hereinafter, in FIG. 8, the card issuing terminal 740 shown in FIG. X 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 issue the voucher card for payment processing using the voucher IC card, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface; And / or the voucher IC card issuing system shown in FIG. X supports a non-face-to-face card issuance application, the customer enters (or selects) predetermined card issuance application information through a predetermined client terminal. In operation 800, the card issuing application information is provided to the server through a predetermined card issuing interface.

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, wherein the voucher IC card issuing system is provided. When supporting the non-face-to-face card issuance application, the card issuance 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 is a voucher IC card is issued through the voucher IC card issuing system shown in Figure x (or shown in Figure 1 and / or Figure 4) Customer information corresponding to the payment virtual account opened through the payment virtual account opening system, and the payment virtual account opened under the name of the customer through the payment virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include the virtual account information, wherein the customer information and the virtual account information in the voucher IC card issuing system shown in this Figure x and the voucher IC card post-issuance system inferred by referring to and / or modified in this drawing x Common information included in the card issuance application information.

Here, the customer information included in the card issuance application information is customer personal information corresponding to the payment virtual account opened through the payment virtual account opening system shown in FIGS. 1 and / or 4 (for example, customer name and resident registration 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 in the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include one or more.

In the voucher IC card issuing system as shown in FIG. X, at least one or more card payment methods (eg, credit card payment method, check card payment method, debit card payment) to the customer at least one card company (or financial company). Means, prepaid card payment means, etc.), the card issuance application information discards a payment card corresponding to at least one customer payment means previously issued to the customer, and the customer payment means It is preferable to further comprise the customer payment means transfer information for requesting to process the information as a customer payment means information in the form of IC chip storage information to be recorded in an independent storage area of the voucher IC card.

Those skilled in the art to which the present invention pertains, since they will be familiar with the configuration information before the customer payment means, a detailed description thereof will be omitted for convenience.

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 IC card can be issued to the customer (805).

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

In addition, the card issuance validity check is based on the customer information included in the card issuance application information and the customer payment means transfer information whether at least one customer payment means corresponding to the customer payment means transfer information is already issued to the customer. It is preferable to include checking.

If the validity to issue the voucher IC 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 IC card to the customer.

If the validity to issue the voucher IC card to the customer is authenticated through the card issuing application information (810), the server is issued to the customer based on the customer information and virtual account information included in the card issuing application information. Predetermined voucher card information (or customer authentication information) corresponding to the voucher card to be generated (820).

Here, the voucher card information (or customer authentication information) is characterized in that it comprises a predetermined voucher card number, and preferably further comprises the voucher card validity period.

Alternatively, the voucher card information (or customer authentication information) is customer specific information assigned to the customer by the welfare institution (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card) Etc.) is preferably included.

Thereafter, the server may record the voucher card information (and / or the virtual) in the form of IC chip storage information which may be recorded in an independent storage area of the voucher IC card to be issued to the customer through the generated voucher card information (or customer authentication information). Account information) is generated (825).

According to an embodiment of the present invention, the voucher card information (and / or virtual account information) in the form of the IC chip storage information includes a voucher card number generated by the information generation unit 725 and a voucher card expiration date. Voucher card information, and / or customer specific information assigned to the customer by the welfare institution (e.g., a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher certificate card). It is preferable.

The voucher card information (and / or virtual account information) in the form of the IC chip storage information may include virtual account information (for example, the voucher virtual account shown in FIGS. 1 and / or 4) included in the card issuance request information. Virtual account information opened in the name of the customer through the establishment system), preferably in this case, it is possible to process the payment in the shadow account method through the virtual account.

In operation 830, the server discards the customer payment means previously issued to the customer by at least one card company (or financial company) based on the customer payment means transfer information included in the card issuance application information.

Those skilled in the art to which the present invention pertains, since at least one card company (or financial company) will be familiar with the procedure for discarding the customer payment means previously issued to the customer, the detailed description thereof is for convenience Omit.

If at least one card company (or financial company) completes the procedure of discarding the customer payment means previously issued to the customer (835), the server generates customer payment means information in the form of IC chip storage information (840), The voucher card information (and / or virtual account information) in the form of the IC chip storage information and the customer payment means information in the form of the IC chip storage information are recorded in each independent storage area provided in the voucher IC card, and the IC A voucher IC card having voucher card information (and / or virtual account information) in the form of chip storage information and customer payment means information is provided (or shipped) to the customer (845).

The server may further include predetermined voucher card information corresponding to the virtual account information and customer information provided from the customer through the card issuing interface and customer payment means information recorded in an independent storage area of the voucher IC card. The customer payment means information is linked and stored in the predetermined card information D / B 735 (850).

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 IC card issuing system (or associated with the voucher IC card issuing system). It is possible, and the invention is not limited thereby.

9 is a diagram illustrating a voucher IC card issuing process for payment processing using a voucher IC card according to another embodiment of the present invention.

In more detail, in FIG. 9, in the voucher IC card issuing system shown in FIG. X, a predetermined customer issues a predetermined card issuance interface (e.g., a card issuance application, a counter terminal, a network means, a wired terminal and / or a wireless terminal). If the card issuing request information including the customer information and virtual account information, and the customer payment means issuance information to the card issuing server 700 through a client terminal and at least one network means, etc.), the card Voucher card information (and / or virtual account information) in the form of IC chip storage information and IC chip storage information corresponding to the customer payment means issuing information to the customer based on the provided card issuance application information in the issuing server 700. The voucher IC card associated with the payment virtual account by recording the customer's payment method information in a separate storage area. For the process of issuing a voucher IC card for processing, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 9 for the voucher IC card for payment processing using the voucher Various implementation methods for issuing an IC card may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in FIG. 9, the voucher IC card is manufactured and provided (or shipped) to the customer, and then the voucher card information (or customer authentication information) and the virtual account information are provided to the card information D / B 735. Although it is illustrated and described as storing the customer information and customer payment means information, predetermined voucher card information (or customer authentication information), virtual account information and customer information and the like in the card information D / B 735 according to the intention of the skilled person The process of storing the customer payment means information may be performed before the voucher IC card is manufactured or before the voucher IC card is manufactured or provided (or shipped) to the customer, whereby the present invention is not limited thereto. No.

In addition, if a person of ordinary skill in the art to which the present invention pertains, the voucher IC card issuing system configuration shown in Figure x and the voucher IC card issuing process shown in Figure 9 with reference to and / or modified, the voucher It is possible to infer a process of issuing a voucher IC card for payment processing using the voucher IC card through the IC card post-issuance, but the present invention includes all the inferred implementation methods, whereby the present invention is not limited thereto. No.

Hereinafter, in FIG. 9, the card issuing terminal 740 shown in FIG. X is referred to as "terminal" for convenience, and the card issuing server 700 is referred to as "server" for convenience.

Referring to FIG. 9, in order to issue the voucher card for payment processing using the voucher IC card, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface; And / or the voucher IC card issuing system shown in FIG. X supports a non-face-to-face card issuance application, the customer enters (or selects) predetermined card issuance application information through a predetermined client terminal. In operation 900, the card issuing application information is provided to the server through a predetermined card issuing interface.

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, wherein the voucher IC card issuing system is provided. When supporting the non-face-to-face card issuance application, the card issuance 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 is a voucher IC card is issued through the voucher IC card issuing system shown in Figure x (or shown in Figure 1 and / or Figure 4) Customer information corresponding to the payment virtual account opened through the payment virtual account opening system, and the payment virtual account opened under the name of the customer through the payment virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include the virtual account information, wherein the customer information and the virtual account information in the voucher IC card issuing system shown in this Figure x and the voucher IC card post-issuance system inferred by referring to and / or modified in this drawing x Common information included in the card issuance application information.

Here, the customer information included in the card issuance application information is customer personal information corresponding to the payment virtual account opened through the payment virtual account opening system shown in FIGS. 1 and / or 4 (for example, customer name and resident registration number). , Address, telephone number, hand 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 is issued. It is preferable to include customer specific information included in the certificate (or voucher card) (eg, a serial number (or unique number) included in the voucher certificate, or a 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 in the customer's name through the payment virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include one or more.

In the voucher IC card issuing system as shown in FIG. X, at least one customer payment means (eg, credit card payment means, check card payment means, debit card payment means, prepaid card payment means, etc.) Issuing), and the customer payment means is processed by the customer payment means information in the form of IC chip storage information, and further comprising the customer payment means issuing information requesting to record in an independent storage area of the voucher IC card. Do.

Those skilled in the art to which the present invention pertains, since they will be familiar with the configuration of the customer payment means issuance information, a detailed description thereof will be omitted for convenience.

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 IC card can be issued to the customer (905).

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

In addition, the card issuance validity check whether the at least one customer payment means corresponding to the customer payment means issuing information to the customer based on the customer information and customer payment means issuing information included in the card issuance application information. It is preferable to include checking.

For example, the card issuance validity check may be performed to check whether the credit level of the customer satisfies the credit condition for issuing the credit card payment means in order to issue the credit card payment means to the customer, or And verifying that a financial account under the name of the customer to be associated with the check card and / or the debit card is opened to issue the check card payment method and / or the debit card payment method to the customer.

If the validity to issue the voucher IC card to the customer is not authenticated through the card issuing application information (910), the server provides card issuing error information to the customer through the card issuing interface (915). Stop issuing the voucher IC card to the customer.

If the validity to issue the voucher IC card to the customer through the card issuance application information is authenticated (910), the server is issued to the customer based on the customer information and virtual account information included in the card issuance application information. Predetermined voucher card information (or customer authentication information) corresponding to the voucher card to be generated is generated (920).

Here, the voucher card information (or customer authentication information) is characterized in that it comprises a predetermined voucher card number, and preferably further comprises the voucher card validity period.

Alternatively, the voucher card information (or customer authentication information) is customer specific information assigned to the customer by the welfare institution (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card) Etc.) is preferably included.

Thereafter, the server may record the voucher card information (and / or the virtual) in the form of IC chip storage information which may be recorded in an independent storage area of the voucher IC card to be issued to the customer through the generated voucher card information (or customer authentication information). Account information) is generated (925).

According to an embodiment of the present invention, the voucher card information (and / or virtual account information) in the form of the IC chip storage information includes a voucher card number generated by the information generation unit 725 and a voucher card expiration date. Voucher card information, and / or customer specific information assigned to the customer by the welfare institution (e.g., a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher certificate card). It is preferable.

The voucher card information (and / or virtual account information) in the form of the IC chip storage information may include virtual account information (for example, the voucher virtual account shown in FIGS. 1 and / or 4) included in the card issuance request information. Virtual account information opened in the name of the customer through the establishment system), preferably in this case, it is possible to process the payment in the shadow account method through the virtual account.

In addition, the server at least the credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means to the customer based on the issuing information of the customer payment means contained in the card issuance application information. A payment method issuing procedure including one or more is performed (930).

Those skilled in the art to which the present invention pertains, issue a payment means comprising at least one credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means. Since you will be familiar with the procedure, a detailed description thereof will be omitted for convenience.

If a payment method issuance procedure including at least one of the credit card payment method and / or the check card payment method and / or the debit card payment method and / or the prepaid card payment method is completed (935), the server stores the IC chip. Generate the customer payment means information in the form of information (940), the voucher card information (and / or virtual account information) in the form of the IC chip storage information, and the customer payment means information in the form of the IC chip storage information; A voucher IC card recorded in each independent storage area provided in the IC and having the voucher card information (and / or virtual account information) in the form of the IC chip storage information and the customer payment means information to the customer (or shipping) (945).

In addition, the server is predetermined to correspond to the generated voucher card information and the virtual account information and customer information provided from the customer through the card issuance interface and customer payment means information recorded in an independent storage area of the voucher IC card. The customer payment means information of the cooperative process and stored in the predetermined card information D / B (735) (950).

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 IC card issuing system (or associated with the voucher IC card issuing system). It is possible, and the invention is not limited thereby.

Fig. 10 shows the functional configuration of the voucher IC card according to the method of the present invention.

In more detail, Figure 10 is a configuration of the function of the voucher IC card issued to the customer through the card issuing system shown in Figure 7, if one of ordinary skill in the art to which the present invention belongs, this figure x Various implementation methods for the configuration of the voucher IC card function may be inferred by referring to and / or modifying the present invention, but the present invention includes all the implementation methods inferred from above, Features are not limited.

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of the IC card includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND) and a program. I / O interface for communicating with the payment terminal (e.g. command or data exchange, etc.) through contact points such as ramming power supply (VPP) and / or input / output (I / O), central processing unit (CPU), micro process (MPU) A processor unit including at least one computing element including a unit, and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable read only memory (EEPROM). And a memory unit including at least one memory element including a flash memory (FM). In particular, at least one memory element (eg, a ROM) among the memory elements manages and operates an IC card internal resource. (Chi p Operating System (COS), and when predetermined power is supplied from a payment terminal through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to It controls overall operation and exchanges information or data between the IC chip and payment terminal through an application protocol data unit (APDU) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. To control.

According to the present invention, the IC chip storage information (for example, voucher card information (and / or virtual account information) and customer payment means information) for the function of the voucher IC card is stored in the memory unit of the IC chip, The IC chip storage information may include a data storage unit for storing a data set corresponding to predetermined information or data that is read and / or used by a terminal program.

In addition, when the IC chip storage information includes a card application attribute, a program routine (for example, Java) that is driven or executed by the operation function of the processor unit and the instruction set provided by the COS, and operated by the terminal program. In the case of a Javacard, a Java Applet) is provided with a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by a processor unit. It is done.

In particular, the processor reads a command provided from the terminal program via the input / output interface through an APDU, and reads or records at least one or more information or data stored in the data storage unit based on the read command. The result or read information or data is provided to the terminal program via the input / output interface through the APDU.

According to a preferred embodiment of the present invention, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory unit is a protection area in which secret information such as a chip serial number (CSN) is stored. And a COS control area, a user application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like, and include IC chip storage information (e.g., voucher card information (and And / or virtual account information) and customer payment means information) are preferably stored in an area excluding the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing substantial information and / or data for the IC chip storage information (e.g., voucher card information (and / or virtual account information)) Customer payment means information) also includes the file structure as described above.

Fig. 11 shows the file structure of an IC card for storing IC chip storage information according to a preferred embodiment of the present invention.

In more detail, FIG. 11 shows credit card storage information (0200), debit card storage information (0300), financial common network storage information (F100), electronic money storage information (F200), corresponding to at least one customer payment method information. At least one voucher card information (and / or virtual account information) is included in the financial IC chip file structure in which the signing certificate F300 and the key distribution certificate F400 are stored for the voucher IC card function according to the present invention. This is for storing the voucher storage information.

Those skilled in the art to which the present invention pertains, since the functions and features of the conventional components of the financial IC chip file structure shown in Figure 11 will already be understood, description thereof will be omitted. In addition, the configuration of the voucher storage information shown in FIG. 11 is for efficiently explaining the file structure of the voucher storage information to those skilled in the art to which the present invention pertains. It is apparent that the present invention is not limited and can be easily changed and used by those skilled in the art.

Referring to FIG. 11, a voucher dedicated file F500 is disposed under the master file and includes unique identification information or characteristic information about the voucher stored information, and is under the dedicated file. And an element file F501 for storing file control information (FCI).

In addition, the voucher storage information stores the voucher card element file F502 for storing the voucher card information and / or the customer authentication element file F503 for storing the customer authentication information and / or the virtual account information according to the intention of the skilled person. At least one virtual account element file F504 is preferably included.

The element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted from the terminal program provided to the payment terminal to the IC card, and the table of ISO / IEC 7816-4. Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object defined in 2 FCP template conveying File Control Parameter (FCP) and / or BER-TLV data defined in TABLE 2 of ISO / IEC 7816-4 An FMD template for delivering an object File Management Data (FMD) and / or an FCI template for delivering an FCP and an FMD may be retrieved according to a selection of a SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, the method for selecting the voucher storage information from among the plurality of stored information provided in the IC card includes a selection method by a file identifier, a selection method by a path, and a selection method by an EF identifier. The method of selecting a file identifier by using a 2-byte identifier assigned to each file is to select the voucher stored information through the identifier “F500” assigned to the dedicated file of the voucher stored information in FIG. 11. The path selection method is to select the voucher storage information using the “3FFF” identifier, and the selection method by the EF identifier is a voucher through a 5-bit identifier between '0' and '30' assigned to each element file. To select the saved information. In general, when the selection method by a file identifier and the selection method by a path are used, the voucher storage information can be accessed through a SELECT FILE command. As another embodiment of the present invention, the selection method by a file identifier is used. If not, the dedicated file of the voucher storage information may be omitted.

12 is a diagram illustrating a payment system configuration using a voucher IC card according to an embodiment of the present invention.

In more detail, FIG. 12 shows an online / offline payment through a voucher IC card issued through the card issuing system shown in FIG. 7, wherein a part of the payment amount is included in the voucher card information (or customer authentication). Payment processing in a virtual account associated with the information, and at least one other portion of the voucher IC card (e.g., credit card payment method and / or check card payment method, and / or debit card payment). Means, and / or a prepaid card payment means), the payment system configuration characterized in that the payment processing, specifically the voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. Of the voucher card information (or customer authentication information) in the payment terminal to use for payment processing Will.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer various implementation methods for the payment system configuration using the voucher IC card. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12, and the voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. In the payment terminal, it is possible to infer a method of reading virtual account information associated with the voucher card information (or customer authentication information) and using it for payment processing (in this case, the information verification function provided in the payment server 1200 may be omitted). 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.

In addition, if one of ordinary skill in the art to which the present invention pertains, the voucher stored information recorded on the voucher IC card through the card issuing system shown in FIG. The payment terminal reads the virtual account information associated with the voucher card information (or customer authentication information) and executes the payment processing using a shadow account method (in this case, the full payment approval request is sent to the payment server 1200). It is possible to infer a payment processing by performing a function provided in the payment server 1200 in the payment terminal without real-time transmission), but the present invention includes all the implementation methods inferred, as shown in Figure 12 The technical features are not limited only to the illustrated embodiment.

Referring to FIG. 12, the payment system using the voucher IC card is linked with the payment virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Receives a payment terminal for performing online / offline payment processing through the voucher IC card issued to the customer through the card issuing system shown in Figure 6, and receives the full payment approval request message transmitted from the payment terminal, the full text of the payment approval request Read a portion of the payment amount is processed in the virtual account associated with the voucher card information (or customer authentication information) contained in the voucher IC card, and the other part of the at least one customer payment included in the voucher IC card Means (e.g., credit card payment means, and / or check card payment means, and / or debit card payment means, and / or prepayment) A payment server 1200 for payment processing through a bullcard payment means) and a virtual account opened under the customer's name and issued to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. And a financial system equipped with payment means information corresponding to at least one customer payment means.

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, the detailed description of the financial system in this figure 12 will be 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 IC card, the payment terminal is VAN The payment server 1200 is connected to a predetermined payment network through a value added network.

According to an exemplary embodiment of the present invention, the payment terminal reads predetermined voucher card information (or customer authentication information) and at least one customer payment means information from the voucher IC card through a predetermined card reader in an offline payment process. Input a predetermined payment amount (or confirm the payment amount through a barcode reader (or RFID reader)) through a predetermined key input device, and the voucher card information (or customer authentication information) and at least one customer payment means The payment approval request message including the information and the payment amount may be generated and transmitted to the payment server 1200 through the VAN.

According to another exemplary embodiment of the present invention, the payment terminal receives predetermined voucher card information (or customer authentication information) and at least one customer payment means information from the voucher IC card through a predetermined card reader during offline payment. Read out, input the payment amount including the virtual account payment amount and the customer payment method payment amount through a predetermined key input device (or check the payment amount through a barcode reader (or RFID reader), the virtual account of the payment amount) And a payment authorization request message including the voucher card information (or customer authentication information), at least one customer payment method information, a virtual account payment amount, and a customer payment method payment amount. It is preferable to generate and transmit to the payment server 1200 through the VAN.

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

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 the voucher IC card is based on payment information provided from the web server. It characterized in that it comprises at least one wired terminal and / or wireless terminal for processing an online payment using the payment terminal, the payment terminal is a predetermined online payment protocol (for example, secure payment protocol, or assured click protocol, etc.) The payment server 1200 is connected to a predetermined payment network through a communication network that includes the payment server 1200.

According to an exemplary embodiment of the present invention, the payment terminal receives predetermined voucher card information (or customer authentication information) and at least one customer payment means information from the voucher IC card through a predetermined card reader in an online payment process. Read (or input predetermined voucher card information (or customer authentication information) and at least one customer payment means information corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server, etc. Receiving payment information including a predetermined payment amount from the same web server, generating the full payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and the payment amount; It is preferable to transmit to the payment server 1200 according to the payment protocol.

According to another exemplary embodiment of the present invention, the payment terminal receives predetermined voucher card information (or customer authentication information) and at least one customer payment means information from the voucher IC card through a predetermined card reader during an online payment process. Read (or input predetermined voucher card information (or customer authentication information) and at least one customer payment means information corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server, etc. Receive payment information including a predetermined payment amount from the same web server, check the virtual account payment amount and the customer payment means payment amount of the payment amount, the voucher card information (or customer authentication information) and at least one customer Payment authorization, including payment method information, virtual account payment amount and customer payment method payment amount To create a specialized blue transmitted to the payment server group 1200, according to the online payment protocol is preferred.

According to another exemplary embodiment of the present invention, the payment terminal receives predetermined voucher card information (or customer authentication information) and at least one customer payment means information from the voucher IC card through a predetermined card reader in an online payment process. Read (or input predetermined voucher card information (or customer authentication information) and at least one customer payment means information corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server Receive payment information of the virtual account payment amount and the customer payment method payment amount from the web server, such as the voucher card information (or customer authentication information), at least one customer payment method information and the virtual account payment amount and customer payment method payment Create a full payment authorization request containing the amount, and follow the online payment protocol. Be transmitted to the payment server (1200) is preferred.

Those skilled in the art to which the present invention pertains include a detailed technical feature of a payment terminal for processing an online payment using the voucher IC card and a detailed technical feature 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. 12 in accordance with an embodiment of the present invention, the payment server 1200 may include at least a voucher card information (or customer authentication information) from the payment terminal through the VAN (or a communication network supporting an online payment protocol). When the payment approval request message is received through the specialized receiving unit 1205 for receiving a payment approval request message including at least one customer payment means information and a payment amount, and the specialized receiving unit 1205, the card information D / B ( 1225, an information confirming unit 1210 for confirming virtual account information associated with the voucher card information (or customer authentication information) included in the payment approval request text, and the voucher card information (or customer authentication information); When the associated virtual account information is confirmed, a part of the payment amount included in the payment approval request text is included in the voucher card information (or customer authentication) in the payment approval request text. B) payment processing through a virtual account associated with, and the remaining payment amount is the payment processing unit 1220 for processing the payment through at least one or more customer payment means included in the full payment approval request, and the payment processing history It is characterized in that it comprises a specialized transmission unit 1215 for generating a predetermined payment approval message and transmits it to the payment terminal through the VAN (or a communication network supporting an online payment protocol).

The specialized receiver 1205 may include voucher card information (or customer authentication information) corresponding to the voucher IC card, at least one customer payment means information, and a payment amount from a payment terminal that supports offline payment payment through the VAN. Characterized in that it receives the full payment approval request.

Alternatively, the specialized receiving unit 1205 may use a voucher card information (or customer authentication information) corresponding to the voucher IC card according to the online payment protocol and at least one customer from a payment terminal through a communication network supporting the online payment protocol. Characterized in that the full payment approval request including the payment means information and the payment amount.

When the payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and payment information is received through the specialized receiving unit 1205, the information checking unit 1210 receives the card. Voucher card information (or customer authentication information) that matches the voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the information D / B 1225. The voucher card information (or the customer authentication information) included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 by opening the voucher virtual account shown in FIGS. 1 and / or 4. It is characterized in that through the system is confirmed whether issued in connection with the virtual account opened in the customer name.

If the check result, the voucher card information (or customer authentication 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 opening system shown in FIGS. 1 and / or 4. If it is not issued in connection with the virtual account opened under the customer's name, the payment processing unit 1220 generates predetermined payment error history information, 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.

On the other hand, as a result of the confirmation, the voucher card information (or customer authentication 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 opening system shown in FIGS. 1 and / or 4. If it is issued in connection with the virtual account opened under the customer's name, the payment processing unit 1220 is a virtual account associated with the voucher card information (or customer authentication information) included in the full payment approval request of the payment amount ( For example, a virtual account payment amount using a voucher virtual account opening system shown in FIGS. 1 and / or 4 and at least one customer payment card (for example, a full text of the payment approval request). Credit card, debit card, debit card, prepaid card, etc.) And that is characterized.

According to the method of the present invention, the virtual account payment amount and the customer payment means payment amount is preferably determined according to the policy provided in the payment server 1200.

For example, in the policy, 90% of the payment amount is settled through a virtual account associated with voucher card information (or customer authentication information) included in the voucher IC card, and at least one of the remaining 10% is issued to the customer. In the case of payment processing through the customer payment means corresponding to the above payment card, if the payment amount is 100,000 won, the payment processing unit 1220 is 90,000 won voucher card information (or customer authentication information) included in the voucher IC card Payment processing through a virtual account associated with, and the remaining 10,000 won to confirm the payment processing through the customer payment means corresponding to at least one payment card issued to the customer.

When the virtual account payment amount and the customer payment method payment amount are confirmed as described above, the payment processing unit 1220 is associated with the voucher card information (or customer authentication information) included in the full payment approval request in association with the financial system. Payment processing of the virtual account payment amount through the virtual account of the customer name corresponding to the virtual account information, and payment processing of the customer payment means payment amount through at least one customer payment means included in the full payment approval request.

According to an exemplary embodiment of the present invention, when a balance is insufficient in the payment processing of the virtual account payment amount, the payment processing unit 1220 processes that an error has occurred 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 shortage occurs in the payment processing for the virtual account payment amount, only the amount corresponding to the virtual account balance of the virtual account payment amount is processed and the remaining amount is paid. And the payment method of the customer payment means it is preferable to process the payment through at least one customer payment means included in the full payment approval request.

When the payment processing unit 1220 completes a payment processing procedure for the virtual account payment amount and the customer payment method payment amount, a predetermined payment processing detail including a payment approval history or a payment error history 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, the professional transmission unit 1215 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 1215 generates a payment approval message corresponding to the online payment protocol to generate the payment through the communication network. It is preferable to transmit to the terminal.

Referring to FIG. 12 according to another embodiment of the present invention, the payment server 1200 may be connected to a voucher card information (or customer authentication information) from the payment terminal through the VAN (or a communication network supporting an online payment protocol). The card information D / B upon receiving the full text approval unit 1205 for receiving a payment approval request text including at least one customer payment method information and a payment amount, and the full text of the payment approval request through the full text receiver 1205. An information confirming unit 1210 for confirming virtual account information associated with the voucher card information (or customer authentication information) included in the full payment approval request in association with 1225, and the voucher card information (or customer authentication information) When the virtual account information associated with the confirmation is confirmed, the payment amount included in the payment approval request text is included in the voucher card information (or customer authentication included in the payment approval request text) Payment processing through a virtual account associated with the information), but if the balance of the virtual account is insufficient, the payment processing unit 1220 to process the payment through the at least one customer payment means included in the full payment approval request; And a specialized transmission unit 1215 for generating a predetermined payment approval message including the payment processing details and transmitting the predetermined payment approval message to the payment terminal through the VAN (or a communication network supporting an online payment protocol). It is done.

The specialized receiver 1205 may include voucher card information (or customer authentication information) corresponding to the voucher IC card, at least one customer payment means information, and a payment amount from a payment terminal that supports offline payment payment through the VAN. Characterized in that it receives the full payment approval request.

Alternatively, the specialized receiving unit 1205 may be configured to receive at least one voucher card information (or customer authentication information) corresponding to the voucher IC card according to the online payment protocol from a payment terminal through a communication network supporting the online payment protocol. Characterized in that it receives the full payment approval request message including the means information and the payment amount.

When the payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and payment information is received through the specialized receiving unit 1205, the information checking unit 1210 receives the card. Voucher card information (or customer authentication information) that matches the voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the information D / B 1225. The voucher card information (or the customer authentication information) included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 by opening the voucher virtual account shown in FIGS. 1 and / or 4. It is characterized in that through the system is confirmed whether issued in connection with the virtual account opened in the customer name.

If the check result, the voucher card information (or customer authentication 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 opening system shown in FIGS. 1 and / or 4. If it is not issued in connection with the virtual account opened under the customer's name, the payment processing unit 1220 generates predetermined payment error history information, and the information transmission unit payment processing history corresponding to the payment error history information A payment approval message including information is generated and transmitted to the payment terminal.

On the other hand, as a result of the confirmation, the voucher card information (or customer authentication 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 opening system shown in FIGS. 1 and / or 4. If it is issued in connection with the virtual account opened in the customer's name through the payment processing unit 1220, the payment amount of the virtual account associated with the voucher card information (or customer authentication information) included in the payment approval request full text It is characterized by the first payment processing through.

According to an exemplary embodiment of the present invention, if a balance is insufficient in a payment processing process through a virtual account associated with the voucher card information (or customer authentication information) included in the payment approval request text, the payment may be made. The processor 1220 may process the payment through at least one or more customer payment means included in the full payment approval request.

According to another exemplary embodiment of the present invention, if a balance is insufficient in a payment processing process through a virtual account associated with the voucher card information (or customer authentication information) included in the payment authorization request full text, the The payment processor 1220 may process a payment corresponding to the virtual account balance among the payment amounts, and process the remaining payment amount through at least one customer payment means included in the full payment approval request.

When the payment processing unit 1220 completes the 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 history. It characterized in that for generating a payment approval message including a transmission to the payment terminal.

According to an embodiment of the present invention, if the payment terminal is a payment terminal that supports offline payment, the professional transmission unit 1215 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 1215 generates a payment approval message corresponding to the online payment protocol to generate the payment through the communication network. It is preferable to transmit to the terminal.

Referring to FIG. 12 according to another embodiment of the present invention, the payment server 1200 is a voucher card information (or customer authentication information) from the payment terminal through the VAN (or a communication network supporting an online payment protocol) And a professional receiving unit 1205 for receiving a payment approval request text including at least one customer payment means information, a virtual account payment amount, and a customer payment means payment amount, and the payment approval request message through the special receiving unit 1205. When received, the information confirmation unit 1210 for confirming the virtual account information associated with the voucher card information (or customer authentication information) included in the full payment approval request in association with the card information D / B 1225, and the When the virtual account information associated with the voucher card information (or customer authentication information) is confirmed, the virtual account payment amount included in the payment approval request text is included in the payment approval request. Payment processing through a virtual account associated with the voucher card information (or customer authentication information) included in the full text, and the payment amount of the customer payment method through at least one customer payment means included in the payment approval request text A payment processor 1220 for generating a predetermined payment approval message including the payment processing details and transmitting the generated payment approval message to the payment terminal through the VAN (or a communication network supporting an online payment protocol). It is characterized by comprising.

The specialized receiving unit 1205 may be configured to receive voucher card information (or customer authentication information) corresponding to the voucher IC card, at least one customer payment means information, a virtual settlement payment amount, and the like from a payment terminal supporting offline payment settlement through the VAN. Characterized in that for receiving the full payment approval request including the virtual account payment amount.

Alternatively, the specialized receiving unit 1205 may be configured to receive at least one voucher card information (or customer authentication information) corresponding to the voucher IC card according to the online payment protocol from a payment terminal through a communication network supporting the online payment protocol. Characterized in that it receives the payment approval request text including the means information, the virtual payment settlement amount and the virtual account settlement amount.

When the payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and payment information is received through the specialized receiving unit 1205, the information checking unit 1210 receives the card. Voucher card information (or customer authentication information) that matches the voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the information D / B 1225. The voucher card information (or the customer authentication information) included in the full payment approval request message is opened through the card issuing system shown in FIG. 7 by opening the voucher virtual account shown in FIGS. 1 and / or 4. It is characterized in that through the system is confirmed whether issued in connection with the virtual account opened in the customer name.

If the check result, the voucher card information (or customer authentication 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 opening system shown in FIGS. 1 and / or 4. If it is not issued in connection with the virtual account opened in the customer's name through the payment processing unit 1220, the voucher card information (or the voucher card information included in the payment approval request message) is included in the payment authorization request message. Payment processing through a virtual account associated with the customer authentication information), and the payment amount of the customer payment means through at least one customer payment means included in the full payment approval request.

According to the method of the present invention, if the balance is insufficient in the process of processing the payment through the virtual account associated with the voucher card information (or customer authentication information) included in the payment authorization request full text, The payment processing unit 1220 may process payment through at least one or more customer payment means included in the full payment approval request, the amount corresponding to the shortage of the virtual account payment amount, thereby limiting the present invention No.

Alternatively, if the balance is insufficient in the process of processing the payment amount of the customer payment means through at least one customer payment means included in the full payment approval request, the payment processing unit 1220 is the customer payment means It is possible to process the payment amount corresponding to the balance shortage of the payment amount through the virtual account associated with the voucher card information (or customer authentication information) included in the full payment approval request, and thus the present invention is not limited thereto. .

When the payment processing unit 1220 completes a payment processing procedure for the virtual account payment amount and the customer payment method payment amount, a predetermined payment processing detail including a payment approval history or a payment error history 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, the professional transmission unit 1215 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 1215 generates a payment approval message corresponding to the online payment protocol to generate the payment through the communication network. It is preferable to transmit to the terminal.

13A and 13B illustrate a payment process using a voucher IC card according to an exemplary embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a voucher virtual account opened under 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 the payment is made through the voucher IC card issued to the customer through the card issuing system shown in FIG. 7, the voucher card information (or customer authentication information), at least one customer payment means information, and a predetermined payment amount If a payment approval request message including information is generated and transmitted to the payment server 1200 on the payment system shown in FIG. 12, the payment server 1200 of the payment amount of the voucher card information (or customer authentication information) Payment amount of the virtual account to be processed through the virtual account associated with the at least one or more customers provided in the voucher IC card Confirm the payment amount of the customer payment method to be processed through the payment method, process the payment through the virtual account associated with the voucher card information (or customer authentication information), and confirm the payment amount of the confirmed virtual account; Means a process of processing the payment amount through the at least one customer payment means provided in the voucher IC card, specifically the voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. The payment terminal reads out the voucher card information (or customer authentication information) and at least one customer payment means information for an implementation method used for payment processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 13a and 13b to infer various implementation methods for the payment process using the voucher IC card. It is made to include all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 13A and 13B.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 13, and among the voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. In the payment terminal, it is possible to infer a method of reading virtual account information associated with the voucher card information (or customer authentication information) and using it for payment processing (in this case, the information verification function provided in the payment server 1200 may be omitted). As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

In addition, if one of ordinary skill in the art to which the present invention pertains, the Voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. The payment terminal reads the virtual account information associated with the voucher card information (or customer authentication information) and executes the payment processing using a shadow account method (in this case, the full payment approval request is sent to the payment server 1200). It is possible to infer a payment process by performing a function provided in the payment server 1200 in the payment terminal without real-time transmission), but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the illustrated embodiment.

In the following Figures 13a and 13b, the payment terminal on the payment system shown in Figure 12 is referred to as "terminal" for convenience, and the payment server 1200 on the payment system shown in Figure 12 is referred to as "server" for convenience, A communication network to which a VAN and / or a predetermined online payment protocol is applied to communicate the payment terminal and the payment server 1200 is referred to as a "payment network" for convenience.

Referring to FIGS. 13A and 13B, the terminal receives a predetermined payment approval request including predetermined voucher card information (or customer authentication information), at least one customer payment means information, and a payment amount for payment processing according to the present invention. Create a full text (1300), and transmits the generated payment approval request full text to the server through the payment network connected to the terminal (1305).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal) and / or POS (Point Of Sales) terminal for processing offline payments using the voucher IC 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 receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the offline payment process. Read at least one customer payment method information, input a predetermined payment amount through a predetermined key input device (or confirm the payment amount through a barcode reader (or RFID reader)), and the voucher card information (or customer authentication) Information), at least one customer payment means information, and a payment approval request message including a payment amount may be generated and transmitted to the payment server 1200 through the VAN.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payment using the voucher IC 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. Preferably, the terminal comprises at least one wired terminal and / or a wireless terminal for processing online payment using the voucher IC card, wherein the terminal includes a predetermined online payment protocol (eg, a secure payment protocol, Or a secure click protocol, etc.) to connect the payment server 1200 and a predetermined payment network through the communication network.

When the terminal processes a predetermined online payment as in the above embodiment, the terminal receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the online payment process. Read at least one customer payment method information (or input predetermined voucher card information (or customer authentication information) corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server, etc. Receiving payment information including a predetermined payment amount from the same web server, generating the full payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and the payment amount; It is preferable to transmit to the payment server 1200 according to the payment protocol.

Those skilled in the art to which the present invention pertains include detailed technical features of the terminal for processing online payment using the voucher IC 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.

The server receiving the full payment approval request message from the terminal through the payment network corresponds to the voucher card information (or customer authentication information) included in the full payment approval request message in association with the card information D / B 1225. The voucher IC card 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. 1310).

According to an exemplary embodiment of the present invention, the server may include voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the card information D / B 1225. Voucher card information (or customer authentication information) matched with the request), the voucher card information (or customer authentication information) included in the full payment approval request message is displayed through the card issuing system shown in FIG. It is preferable to check whether the card is issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIG.

If the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figures 1 and / or 4 through the card issuing system shown in FIG. If it is not issued in association (1315), the server generates the predetermined payment processing history information including the voucher IC card payment error history information (1320), and generates a payment approval full text including the payment processing history information (1391), the generated payment approval message is transmitted to the terminal through the payment network (1392), and the terminal corresponding to the payment processing details (eg, the voucher IC card payment error) included in the payment approval message; History information) is output (or printed) (1393).

On the other hand, the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figure 1 and / or 4 through the card issuing system shown in Figure 7 If issued in association (1315), the server may display a virtual account (eg, shown in FIGS. 1 and / or 4 above) of the customer's name corresponding to the virtual account information processed in association with the voucher card information (or customer authentication information). The amount of the virtual account to be settled through the voucher virtual account opening system) and the amount of the customer's payment means to be settled through at least one customer's payment means provided on the voucher IC card. Check (1335).

According to the implementation method of the present invention, the virtual account settlement amount and the customer settlement means settlement amount is preferably determined according to the policy provided in the server.

For example, in the policy, 90% of the payment amount is processed through a virtual account associated with the voucher card information (or customer authentication information), and the remaining 10% is at least one customer payment provided in the voucher IC card. In the case of payment processing through means, if the payment amount is 100,000 won, the payment processing unit 1220 is 90,000 won through the virtual account associated with the voucher card information (or customer authentication information), the remaining 10,000 won Confirm that the payment processing through at least one customer payment means provided in the voucher IC card.

If the virtual account payment amount and the customer payment means payment amount is confirmed as described above, the server in connection with the financial system, the virtual account of the customer name corresponding to the virtual account information associated with the voucher card information (or customer authentication information) Payment validity for the virtual account whether the payment can be made through the virtual account payment amount (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). Check (1340).

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

If the payment validity for the virtual account is not authenticated (1345), the server determines the virtual account of the customer name associated with the voucher card information (or customer authentication information) (e.g., in FIGS. 1 and / or 4). Through the illustrated voucher virtual account opening system to generate predetermined payment processing history information including virtual account payment error history information for the virtual account opened under the customer's name (1350), and includes the payment processing history information. A payment approval message is generated (1391), and the generated payment approval message is transmitted to the terminal through the payment network (1392), and the terminal correspondingly, the payment processing details included in the payment approval message (for example, The virtual account payment error history information for the virtual account of the customer name) is output (or printed) (1393).

On the other hand, if the validity of payment for the virtual account is authenticated (1345), the server associates the confirmed virtual account payment amount with the voucher card information (or customer authentication information) in association with the financial system. The payment process is performed through an account (eg, a virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4) (1355).

If the payment processing of the virtual account payment amount through the virtual account of the customer name associated with the voucher card information (or customer authentication information) is confirmed (1360), the server is linked with the financial system to request the payment approval. Checking the validity of the payment for the customer payment means whether the customer payment means payment amount can be processed through at least one customer payment means included in the full text (1365).

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 (1370), the server generates predetermined payment processing history information including the customer payment means payment error history information for the customer payment means (1375), A payment approval message including payment processing history information is generated (1391), and the generated payment approval message is transmitted to the terminal through the payment network (1392). In response, the terminal is included in the payment approval message. The received payment processing history information (for example, the customer payment means payment error history information for the customer payment means) is output (or printed) (1393).

On the other hand, if the validity of the payment for the customer payment means is authenticated (1370), the server is linked to the financial system through the at least one customer payment means included in the payment approval request payment amount of the customer payment means confirmed in the preamble The payment process (1380).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (1385), the server corresponds to the virtual account associated with the voucher card information (or customer authentication information) in conjunction with the financial system Generate predetermined payment processing history information including virtual account payment approval history information and customer payment method payment approval history information corresponding to the customer payment method (1390), and generate a payment approval full text including the payment processing history information. And (1391), and transmits the generated payment approval message to the terminal through the payment network (1392), and correspondingly, the terminal transmits payment processing history information (eg, the virtual account payment) included in the payment approval message. Authorization history information and customer payment method payment approval history information) is output (or printed) (1393).

14A, 14B, and 14C illustrate a payment process using a voucher IC card according to another exemplary embodiment of the present invention.

More specifically, FIGS. 14A, 14B, and 14C 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 the payment is made through the voucher IC card issued to the customer through the card issuing system shown in FIG. 7, the voucher card information (or customer authentication information) and at least one customer payment means information and predetermined When a payment approval request message including payment amount information is generated and transmitted to the payment server 1200 on the payment system shown in FIG. 12, the payment server 1200 issues the payment amount to the card shown in FIG. 7. First, through the virtual account associated with the voucher card information (or customer authentication information) through a system to process the payment, the voucher card When the balance of the virtual account associated with the information (or customer authentication information) is insufficient, the process of payment processing through the customer payment means associated with the voucher card information (or customer authentication information), specifically shown in Figure 7 The present invention relates to an implementation method of reading out voucher card information (or customer authentication information) and at least one customer payment means information from the voucher storage information recorded on the voucher IC card through a card issuing system and using the same for payment processing. .

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 14a, 14b and 14c to infer various implementation methods for the payment process using the voucher IC card. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 14A, 14B, and 14C.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to the voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. In the payment terminal, it is possible to infer a method of reading virtual account information associated with the voucher card information (or customer authentication information) and using it for payment processing (in this case, the information verification function provided in the payment server 1200 may be omitted). As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

In addition, if one of ordinary skill in the art to which the present invention pertains, the voucher stored information recorded on the voucher IC card through the card issuing system shown in FIG. The payment terminal reads the virtual account information associated with the voucher card information (or customer authentication information) and executes the payment processing using a shadow account method (in this case, the full payment approval request is sent to the payment server 1200). It is possible to infer a payment process by performing a function provided in the payment server 1200 in the payment terminal without real-time transmission), but the present invention includes all the implementation methods inferred, as shown in Figure 14 The technical features are not limited only to the illustrated embodiment.

Hereinafter, in FIG. 14A, FIG. 14B, and FIG. 14C, the payment terminal on the payment system shown in FIG. 12 is referred to as "terminal" for convenience, and the payment server 1200 on the payment system shown in FIG. 12 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 1200 is referred to as a "payment network" for convenience.

14A, 14B, and 14C, the terminal includes predetermined voucher card information (or customer authentication information), at least one customer payment means information, and a payment amount for payment processing according to the present invention. A payment approval request message is generated (1400), and the generated payment approval request message is transmitted to the server through the payment network to which the terminal is connected (1405).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal) and / or POS (Point Of Sales) terminal for processing offline payments using the voucher IC 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 receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the offline payment process. Read at least one customer payment method information, input a predetermined payment amount through a predetermined key input device (or confirm the payment amount through a barcode reader (or RFID reader)), and the voucher card information (or customer authentication) Information), at least one customer payment means information, and a payment approval request message including a payment amount may be generated and transmitted to the payment server 1200 through the VAN.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payment using the voucher IC 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 IC card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or The payment server 1200 is connected to a predetermined payment network through a communication network including a secure click protocol).

When the terminal processes a predetermined online payment as in the above embodiment, the terminal receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the online payment process. Read at least one customer payment method information (or input predetermined voucher card information (or customer authentication information) corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server, etc. Receiving payment information including a predetermined payment amount from the same web server, generating the full payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and the payment amount; It is preferable to transmit to the payment server 1200 according to the payment protocol.

Those skilled in the art to which the present invention pertains include detailed technical features of the terminal for processing online payment using the voucher IC 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.

The server receiving the full payment approval request message from the terminal through the payment network corresponds to the voucher card information (or customer authentication information) included in the full payment approval request message in association with the card information D / B 1225. Confirm that the voucher IC card 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. 1410).

According to an exemplary embodiment of the present invention, the server may include voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the card information D / B 1225. Voucher card information (or customer authentication information) matched with the request), the voucher card information (or customer authentication information) included in the full payment approval request message is displayed through the card issuing system shown in FIG. It is preferable to check whether the card is issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIG.

If the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figures 1 and / or 4 through the card issuing system shown in FIG. If not issued in association (1415), the server generates the predetermined payment processing history information including the voucher IC card payment error history information (1420), and generates a payment approval full text including the payment processing history information; In operation 1470, the generated payment approval message is transmitted to the terminal through the payment network (1475). In response, the terminal transmits a payment processing history (eg, the voucher IC card payment error) included in the payment approval message. Output information (or print) (1480).

On the other hand, the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figure 1 and / or 4 through the card issuing system shown in Figure 7 If issued in association (1415), the server may include a virtual account (e.g., shown in FIGS. 1 and / or 4) of the customer's name corresponding to the virtual account information processed in association with the voucher card information (or customer authentication information). Select a virtual account opened under the customer's name through the voucher virtual account opening system as the preferred payment method for the payment amount (1435), and the voucher card information (or customer authentication information) The virtual account of the customer name corresponding to the linked virtual account information (for example, the voucher virtual account opening system shown in FIGS. 1 and / or 4) Checks the validity of the payment for the virtual account through the virtual account opened in the name of the customer).

According to an embodiment of the present invention, the payment validity checking process for the virtual account may include: a virtual account of the customer name associated with the voucher card information (or customer authentication information) in association with the financial system (eg, FIG. 1). And / or checking whether a balance corresponding to the payment amount is deposited in the virtual account opened in the name of the customer through the voucher virtual account opening system shown in FIG. 4. desirable.

If the payment validity for the virtual account is not authenticated (1445), the server selects at least one customer payment method included in the full payment approval request as a payment method for the payment amount (1450), As shown, the payment is processed through at least one customer payment means included in the full payment approval request.

On the other hand, if the validity of payment for the virtual account is authenticated (1445), the server connects the confirmed virtual account payment amount in connection with the financial system to the virtual name of the customer associated with the voucher card information (or customer authentication information). The payment process is performed through an account (eg, a virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4).

If the payment processing of the virtual account payment amount through the virtual account of the customer name associated with the voucher card information (or customer authentication information) is confirmed (1460), the server is linked with the financial system and the voucher card information Generating predetermined payment processing history information including payment approval history information corresponding to the virtual account associated with the (or customer authentication information) (1465), generating a payment approval full text including the payment processing history information (1470); ), And transmits the generated payment approval full text to the terminal through the payment network (1475), and correspondingly, the terminal transmits payment processing history information included in the payment approval text (for example, the virtual account payment approval history information). (1480).

Referring to FIG. 14C, when the payment is processed through at least one customer payment means included in the payment approval request text, the server is connected to the financial system at least one included in the payment approval request text. The payment validity of the customer payment means is verified whether the payment amount can be processed through the customer payment means (1493).

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 payment amount is deposited.

If the payment validity for the customer payment means is not authenticated (1494), the server generates predetermined payment processing history information including the customer payment means payment error history information for the customer payment means (1495), A payment approval message including payment processing history information is generated (1470), and the generated payment approval message is transmitted to the terminal through the payment network (1475). In response, the terminal is included in the payment approval message. And outputs (or prints) the payment processing history information (for example, customer payment method payment error history information for the customer payment method).

On the other hand, if the validity of the payment for the customer payment means is authenticated (1494), the server processes the payment through the at least one customer payment means included in the full payment approval request in association with the financial system. (1496).

If the payment processing of the payment amount through the customer payment means is confirmed (1497), the server corresponding to the customer payment means associated with the voucher card information (or customer authentication information) in connection with the financial system Generate predetermined payment processing history information including payment means payment approval history information (1498), generate a payment approval text including the payment processing history information (1470), and generate the generated payment approval text in the payment network The mobile terminal transmits (1475) the mobile terminal to the terminal through the mobile terminal (1475), and correspondingly, the terminal outputs (or prints) payment processing history information (eg, the customer payment means payment approval history information) included in the full payment approval message (1480). ).

15A and 15B illustrate a payment process using a voucher IC card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 15A and 15B illustrate a voucher virtual account opened under a predetermined customer name through a voucher virtual account opening system shown in FIGS. 1 and / or 4 at a payment terminal on the payment system shown in FIG. When the payment is made through the voucher IC card issued to the customer through the card issuing system shown in FIG. 7, the voucher card information (or customer authentication information), at least one customer payment means information, and a predetermined payment amount When a payment approval request message including information is generated and transmitted to the payment server 1200 on the payment system shown in FIG. 12, the payment server 1200 transmits the payment amount to the voucher card information (or customer authentication information). Regarding the process of payment processing through the linked customer payment means, specifically the card issuing system shown in FIG. Through it on the voucher exemplary method of the voucher record stored on the IC card information read out by the card voucher information (or the customer credentials) and at least one customer payment method information in the payment terminal for use in the payment process.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b to infer various implementation methods for the payment process using the voucher IC card. It is made to include all the inferred implementation method, and the technical features are not limited only to the implementation method shown in FIGS. 15A and 15B.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15, and the voucher storage information recorded on the voucher IC card through the card issuing system shown in FIG. In the payment terminal, it is possible to infer a method of reading virtual account information associated with the voucher card information (or customer authentication information) and using it for payment processing (in this case, the information verification function provided in the payment server 1200 may be omitted). As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

In addition, if one of ordinary skill in the art to which the present invention pertains, the voucher stored information recorded on the voucher IC card through the card issuing system shown in FIG. The payment terminal reads the virtual account information associated with the voucher card information (or customer authentication information) and executes the payment processing using a shadow account method (in this case, the full payment approval request is sent to the payment server 1200). It is possible to infer a payment process by performing a function provided in the payment server 1200 in the payment terminal without real-time transmission), but the present invention includes all the inferred implementation method, as shown in Figure 15 The technical features are not limited only to the illustrated embodiment.

In the following Figures 15a and 15b, the payment terminal on the payment system shown in Figure 12 is referred to as "terminal" for convenience, and the payment server 1200 on the payment system shown in Figure 12 is referred to as "server" for convenience, A communication network to which a VAN and / or a predetermined online payment protocol is applied to communicate the payment terminal and the payment server 1200 is referred to as a "payment network" for convenience.

15A and 15B, the terminal receives a predetermined payment approval request including predetermined voucher card information (or customer authentication information), at least one customer payment means information, and a payment amount for payment processing according to the present invention. Generates a full text (1500), and transmits the generated payment approval request full text to the server through the payment network connected to the terminal (1505).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal) and / or POS (Point Of Sales) terminal for processing offline payments using the voucher IC 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 receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the offline payment process. Read at least one customer payment method information, input a predetermined payment amount through a predetermined key input device (or confirm the payment amount through a barcode reader (or RFID reader)), and the voucher card information (or customer authentication) Information), at least one customer payment means information, and a payment approval request message including a payment amount may be generated and transmitted to the payment server 1200 through the VAN.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payment using the voucher IC 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 IC card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or The payment server 1200 is connected to a predetermined payment network through a communication network including a secure click protocol).

When the terminal processes a predetermined online payment as in the above embodiment, the terminal receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the online payment process. Read at least one customer payment method information (or input predetermined voucher card information (or customer authentication information) corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server, etc. Receiving payment information including a predetermined payment amount from the same web server, generating the full payment approval request message including the voucher card information (or customer authentication information), at least one customer payment means information, and the payment amount; It is preferable to transmit to the payment server 1200 according to the payment protocol.

Those skilled in the art to which the present invention pertains include detailed technical features of the terminal for processing online payment using the voucher IC 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.

The server receiving the full payment approval request message from the terminal through the payment network corresponds to the voucher card information (or customer authentication information) included in the full payment approval request message in association with the card information D / B 1225. The voucher IC card 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. 1510).

According to an exemplary embodiment of the present invention, the server may include voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the card information D / B 1225. Voucher card information (or customer authentication information) matched with the request), the voucher card information (or customer authentication information) included in the full payment approval request message is displayed through the card issuing system shown in FIG. It is preferable to check whether the card is issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIG.

If the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figures 1 and / or 4 through the card issuing system shown in FIG. If it is not issued in association (1515), the server generates predetermined payment processing history information including the voucher IC card payment error history information (1520), and generates a payment approval full text including the payment processing history information In operation 1565, the generated payment approval message is transmitted to the terminal through the payment network (1570). In response, the terminal transmits a payment processing history (eg, the voucher IC card payment error) included in the payment approval message. History information) is output (or printed) (1575).

On the other hand, the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figure 1 and / or 4 through the card issuing system shown in Figure 7 If issued in association with 1515, the server validates payment of the payment amount through the at least one customer payment means included in the full payment approval request in association with the financial system. Check (1535).

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 payment amount is deposited.

If the payment validity for the customer payment means is not authenticated (1540), the server generates predetermined payment processing history information including customer payment means payment error history information for the customer payment means (1545), and A payment approval message including payment processing history information is generated (1565), and the generated payment approval message is transmitted to the terminal through the payment network (1570). In response, the terminal is included in the payment approval message. And outputs (or prints) the payment processing history information (for example, customer payment method payment error history information for the customer payment method).

According to another exemplary embodiment of the present invention, when the validity of payment for the customer payment means is not authenticated (1540), the server stores the payment amount with the voucher card information (or customer authentication information) included in the payment approval request. The payment process may be performed through an associated virtual account, and the present invention is not limited thereto.

On the other hand, if the validity of payment for the customer payment means is authenticated (1540), the server processes the payment through at least one customer payment means included in the payment approval request text in association with the financial system. (1550).

If the payment processing of the payment amount through the customer payment means is confirmed (1555), the server in connection with the financial system predetermined payment including the customer payment means payment approval history information corresponding to the customer payment means; Generating processing history information (1560), generating a payment approval text including the payment processing history information (1565), and transmitting the generated payment approval text to the terminal through the payment network (1570). In response, the terminal outputs (or prints) payment processing history information (eg, the customer payment means payment approval history information) included in the full payment approval (1575).

16A and 16B illustrate a payment process using a voucher IC card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate a voucher virtual account opened under 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 information (or customer authentication information), at least one customer payment means information, and the voucher card when the payment is made through the voucher IC card issued to the customer through the card issuing system shown in FIG. Payment including virtual account payment amount to be processed through the virtual account associated with the information (or customer authentication information) and customer payment method payment amount information to be processed through at least one customer payment method included in the voucher IC card Generating the full approval request and transmitting to the payment server 1200 on the payment system shown in FIG. The payment server 1200 processes the virtual account payment amount through a virtual account associated with the voucher card information (or customer authentication information) through the card issuing system shown in FIG. 7, and the customer payment means payment amount The process of the payment processing through at least one customer payment means provided in the voucher IC card, specifically the payment of the voucher stored information recorded on the voucher IC card through the card issuing system shown in FIG. The present invention relates to an implementation method of reading a voucher card information (or customer authentication information) and at least one or more customer payment means information in a payment process.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 16a and 16b to infer various implementation methods for the payment process using the voucher IC card. It is made to include all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 16A and 16B.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to store the voucher stored information recorded on the voucher IC card through the card issuing system shown in FIG. An implementation method (in this case, the information verification function provided in the payment server 1200 may be omitted) may be inferred from the payment terminal by reading the virtual account information associated with the voucher card information (or customer authentication information) for payment processing. 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.

In addition, if one of ordinary skill in the art to which the present invention pertains, the voucher stored information recorded on the voucher IC card through the card issuing system shown in FIG. The payment terminal reads the virtual account information associated with the voucher card information (or customer authentication information) and executes the payment processing using a shadow account method (in this case, the full payment approval request is sent to the payment server 1200). It is possible to infer a payment processing by performing a function provided in the payment server 1200 in the payment terminal without real-time transmission), but the present invention includes all the implementation methods inferred, as shown in Figure 16 The technical features are not limited only to the illustrated embodiment.

Hereinafter, in FIG. 16A and FIG. 16B, the payment terminal on the payment system shown in FIG. 12 is called "terminal" for convenience, and the payment server 1200 on the payment system shown in FIG. 12 is called "server" for convenience. A communication network to which a VAN and / or a predetermined online payment protocol is applied to communicate the payment terminal and the payment server 1200 is referred to as a "payment network" for convenience.

16A and 16B, the terminal provides predetermined voucher card information (or customer authentication information), at least one customer payment means information and the voucher card information (or customer authentication information) for payment processing according to the present invention. A predetermined payment approval request message including a virtual account payment amount to be processed through a virtual account associated with the &lt; RTI ID = 0.0 &gt; and a &lt; / RTI &gt; In operation 1600, the terminal transmits the generated payment approval request message to the server through the payment network to which the terminal is connected (1605).

According to one embodiment of the invention, the terminal preferably comprises at least one CAT (Credit Authorization Terminal) and / or POS (Point Of Sales) terminal for processing offline payments using the voucher IC 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 receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the offline payment process. Read at least one customer payment method information, and input a payment amount including the payment amount of the customer payment method and the virtual account payment amount through a predetermined key input device (or confirm the payment amount through a barcode reader (or RFID reader)). And the customer payment means payment amount and the virtual account payment amount of the payment amount), the voucher card information (or customer authentication information), at least one customer payment method information, the customer payment method payment amount, and the virtual account payment amount Generate a payment approval request message including a and transmit the payment server 1200 through the VAN; It is preferable.

Those skilled in the art will be familiar with the detailed technical features of the terminal and the VAN processing offline payment using the voucher IC 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 IC card, wherein the terminal is a predetermined online payment protocol (eg, secure payment protocol, or The payment server 1200 is connected to a predetermined payment network through a communication network including a secure click protocol).

When the terminal processes a predetermined online payment as in the above embodiment, the terminal receives predetermined voucher card information (or customer authentication information) from the voucher IC card through a predetermined card reader in the online payment process. Read at least one customer payment method information (or input predetermined voucher card information (or customer authentication information) corresponding to the voucher IC card through a predetermined key input means), the shopping mall server and / or content server, etc. Receive payment information including a predetermined payment amount from the same web server, check the payment amount of the customer payment method and the virtual account payment amount of the payment amount, the voucher card information (or customer authentication information) and at least one customer Payment authorization information, including payment method information, customer payment method payment amount and virtual account payment amount To produce a professional according to the online payment protocol is preferably transmitted to the payment server (1200).

Alternatively, the terminal reads predetermined voucher card information (or customer authentication information) and at least one customer payment means information from the voucher IC card through a predetermined card reader in the online payment process (or predetermined key input means). Inputs predetermined voucher card information (or customer authentication information) corresponding to the voucher IC card, and pays a customer payment method and a virtual account payment from a web server such as the shopping mall server and / or a content server. Receive the information, generate a payment approval request message including the voucher card information (or customer authentication information), at least one customer payment method information, a customer payment method payment amount, and a virtual account payment amount, according to the online payment protocol; It is preferable to transmit to the payment server 1200.

Those skilled in the art to which the present invention pertains include detailed technical features of the terminal for processing the online payment using the voucher IC 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.

The server receiving the full payment approval request message from the terminal through the payment network corresponds to the voucher card information (or customer authentication information) included in the full payment approval request message in association with the card information D / B 1225. The voucher IC card 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. 1610).

According to an exemplary embodiment of the present invention, the server may include voucher card information (or customer authentication information) included in the received payment approval request text among the voucher card information (or customer authentication information) stored in the card information D / B 1225. Voucher card information (or customer authentication information) matched with the request), the voucher card information (or customer authentication information) included in the full payment approval request message is displayed through the card issuing system shown in FIG. It is preferable to check whether the card is issued in connection with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIG.

If the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figures 1 and / or 4 through the card issuing system shown in FIG. If it is not issued in association (1615), the server generates the predetermined payment processing history information including the voucher IC card payment error history information (1620), and generates a payment approval full text including the payment processing history information; In operation 1169, the generated payment approval message is transmitted to the terminal through the payment network (1692), and the terminal corresponding to the payment processing details included in the payment approval message (for example, the voucher IC card payment error). History information) is outputted (or printed) (1693).

On the other hand, the voucher card information (or customer authentication information) and the virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figure 1 and / or 4 through the card issuing system shown in Figure 7 If issued in association (1615), the server, in conjunction with the financial system, the virtual account of the customer name corresponding to the virtual account information associated with the voucher card information (or customer authentication information) (e.g., Figure 1 and / or The payment validity of the virtual account is verified whether the virtual account payment amount can be processed through the virtual account opened under the name of the customer through the voucher virtual account opening system shown in FIG. 4 (1640).

According to an embodiment of the present invention, the payment validity verification process for the virtual account, the virtual account of the customer name associated with the voucher card information (or customer authentication information) in association with the financial system (for example, Figure 1 And / or checking whether a balance corresponding to the virtual account settlement amount is deposited in the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIG. 4. It is preferable to make.

If the payment validity for the virtual account is not authenticated (1645), the server determines the virtual account of the customer's name associated with the voucher card information (or customer authentication information) (e.g., in FIGS. 1 and / or 4). Generating predetermined payment processing history information including virtual account payment error history information for the virtual account opened under the name of the customer through the illustrated voucher virtual account opening system (1650) and including the payment processing history information A payment approval message is generated (1691), and the generated payment approval message is transmitted to the terminal through the payment network (1692), and the terminal correspondingly, the payment processing details included in the payment approval message (for example, The virtual account payment error history information about the virtual account of the customer name) is output (or printed) (1693).

On the other hand, if the validity of payment for the virtual account is authenticated (1645), the server associates the confirmed virtual account payment amount with the voucher card information (or customer authentication information) in association with the financial system. The payment process is performed through an account (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).

If the payment processing of the virtual account payment amount through the virtual account of the customer name associated with the voucher card information (or customer authentication information) is confirmed (1660), the server is linked with the financial system to request the payment approval. In operation 1665, the payment validity of the customer payment means is checked whether the payment amount of the customer payment means can be processed through at least one customer payment means included in the text.

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 (1670), the server generates predetermined payment processing history information including the customer payment means payment error history information for the customer payment means (1675), A payment approval message including the payment processing history information is generated (1691), and the generated payment approval message is transmitted to the terminal through the payment network (1692), and in response, the terminal receives the payment approval message; The processor 20 outputs (or prints) the included payment processing history information (for example, customer payment method payment error history information for the customer payment method).

On the other hand, if the validity of the payment for the customer payment means is authenticated (1670), the server is connected to the financial system through the at least one customer payment means included in the payment approval request payment amount of the customer payment means confirmed in the preamble The payment process (1680).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (1685), the server corresponds to the virtual account associated with the voucher card information (or customer authentication information) in conjunction with the financial system Generating predetermined payment processing history information including virtual account payment approval history information and customer payment method payment approval history information corresponding to the customer payment method (1690), and generating a payment approval full text including the payment processing history information. And (1691), and transmits the generated payment approval full text to the terminal through the payment network (1692), the terminal corresponding to the payment processing history information (for example, the virtual account payment) Authorization details and customer payment means payment approval details information) (1693) is output (or printed).

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. Issuing a predetermined IC card provided with the voucher card information (or voucher subject authentication information) associated with the payment virtual account in which the funds (or pensions or insurance benefits) to be managed are deposited and at least one customer payment method, and the IC card In the electronic payment process using the payment process through the payment virtual account, and / or payment through the customer payment means associated with the IC card has the advantage.

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. Issuing a predetermined IC card provided with the voucher card information (or voucher subject authentication information) associated with the payment virtual account in which the funds (or pensions or insurance benefits) to be managed are deposited and at least one customer payment method, and the IC card There is an advantage of saving the electronic payment fee corresponding to the electronic payment using.

Claims (5)

An interface unit for processing a predetermined card terminal and predetermined data input / output; IC chip that stores card information using payment accounts such as welfare funds as payment accounts and second payment methods owned by customers (credit cards, debit cards, check cards, etc.) in separate areas ; And And a processor for driving an application for providing the card information and the second payment means information, which are separately stored in the memory and the second payment means information, to the card terminal during the payment processing. An IC card having card information for making an account opened for payment of a specific amount such as a welfare fund and a second payment means owned by a customer such as a credit card, a debit card, a check card, and the like; Information receiving means for receiving the card information stored in the IC card, the second payment means information and the payment information during the payment processing using the IC card; And Based on the received information, a part of the payment amount included in the payment information is processed through a specific amount payment account corresponding to the card, and the remaining part of the payment amount is through the second payment means. Payment processing system comprising; payment processing means for processing the payment. The method of claim 1, wherein the payment processing means, 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. system. 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. And storing the second payment means-credit card, debit card, check card, etc.-owned by the customer in the customer-owned IC card. Transmitting the card information stored in the IC card, the second payment means information, and the payment information from the card terminal to the payment processing means in the payment processing using the IC card of the customer; And In the payment processing means, a part of the payment amount included in the payment information is processed through a specific amount payment account corresponding to the card, and the remaining part of the payment amount is processed through the second payment means; Payment processing method characterized in that it is made, including. A recording medium comprising a program for executing the method of claim 4.

Images