KR20080052780A - System and method for setting up credit using limit and program recording medium - Google Patents

Abstract

A system and a method for setting limit to a credit card and a program recording medium thereof are provided to offer services discriminated from other banks and take a welfare fund of the government by setting a monthly voucher as the limit of a voucher credit card and increasing the limit of the voucher credit card as much as the remaining balance of the voucher received in a previous month. A message receiver(905) receives a payment approval request message including voucher credit card information and a payment amount from a payment terminal. An information checker(910) checks the information of a virtual account linked with the voucher credit card by linking with a storage medium(935). A limit checker(930) checks limit of the voucher credit card by checking a voucher unused in a previous month from the virtual account or the voucher to be received from a welfare fund management organ in the current month. A payment approver(920) processes the payment amount included in the received message based on a limit check result. A message transmitter(915) generates and transmits a payment approval message including payment details to the payment terminal.

Description

System and Method for Setting up Credit Using Limit and Program Recording Medium}

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

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

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

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

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

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

7 is a diagram illustrating a voucher credit card issuing system in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

8 is a diagram illustrating a voucher credit card issuing process in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a payment system configuration using a voucher credit card in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

10 is a diagram illustrating a functional configuration of a payment terminal for payment processing through a voucher credit card according to an embodiment of the present invention.

11 is a diagram illustrating an operation process of a payment terminal according to an embodiment of the present invention.

12 is a diagram illustrating a payment approval request specialized structure generated by a payment terminal for payment processing through a voucher credit card according to an embodiment of the present invention.

FIG. 13 illustrates a credit settlement process using a voucher credit card in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

<Description of main parts of drawing>

900: payment server 905: professional receiving unit

910: information confirmation unit 915: professional transmission unit

920: payment approval unit 925: virtual account processing unit

930: limit check unit 935: storage medium

According to the present invention, when issuing a voucher credit card to a voucher subject, the limit of the voucher credit card is set to the voucher target amount to be deposited every month, and when the remaining voucher is used in the previous month, the limit of the voucher credit card is to be deposited on the current month. By increasing the amount of the voucher and the unused amount in the previous month, it is possible to provide differentiated new products in preparation for other transactions, and to use the credit card to attract government welfare funds to the bank account. And to the system.

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

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

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

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

An object of the present invention for solving the above problems, when issuing a predetermined credit card to a specific amount of payment targets, such as welfare funds, the use of the credit card issued according to the payment amount limit paid to the specific amount payment targets monthly It provides a credit card usage setting system comprising a credit card usage setting means for setting and information storage means for storing and registering in the predetermined storage medium by processing the set credit card usage information in association with the issued credit card information. Is in.

According to the present invention, a method for setting a credit card usage amount may include: checking a payment amount that is paid to the specific amount payment target monthly by a predetermined information checking means when issuing a predetermined credit card to a specific amount payment target such as a welfare fund; Setting the usage of the issued credit card according to the confirmed payment amount limit in a predetermined credit card utilization setting means; and issuing the credit card information using the set credit card utilization information in a predetermined information storage means. And storing and registering the data in a predetermined storage medium in association with the processing.

According to the present invention, the credit card utilization setting method further comprises the step of setting the credit card use payment settlement processing account as a specific amount payment account such as the welfare fund by a predetermined settlement processing means. .

According to the present invention, the credit card utilization setting method, the step of confirming the unused amount of the previous month of the amount paid to the specific amount payment target person, and adding the confirmed unused amount of the previous month to the utilization set in the credit card, The method further comprises the step of adjusting the credit card utilization.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described credit card usage setting method.

On the other hand, the credit card utilization setting system according to the present invention, when issuing a predetermined credit card to a specific amount of payment targets, such as welfare funds, the use of the credit card issued according to the payment amount limit paid to the specific amount payment targets each month Credit card usage setting means for setting the degree and information storage means for storing and registering in the predetermined storage medium by processing the set credit card usage information in association with the issued credit card information.

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

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

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

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

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

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

In more detail, FIG. 1 shows that a predetermined welfare fund operation organization requests a voucher virtual account opening for a voucher payment virtual account opening through a face-to-face virtual account opening interface, and in the voucher virtual account opening system according to the present invention. A system for opening a voucher virtual account having a welfare fund management account opened in the name of a welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). Visit a financial institution's counter where a voucher virtual account is opened, fill out a predetermined virtual account opening application form, and submit it to a cashier. The cashier's predetermined account corresponds to the virtual account opening application through a predetermined counter terminal. If the application information for opening is provided, the voucher virtual account opening system according to the present invention is provided. 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 a voucher payment virtual account includes a teller terminal used by a teller provided with at least one financial institution. The window terminal is connected to a communication channel with the 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 connected to the teller terminal is on the financial system that the voucher virtual account is opened. It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the voucher virtual account opening server 100 is connected to the communication channel between the teller terminal and the voucher virtual account opening server 100 It is preferable to comprise a network.

In the voucher virtual account opening system as described above, a virtual account opening application prepared by the welfare fund operation institution, a window terminal used by the teller and the window terminal and the voucher virtual account opening server (100) The network performs a function of a virtual account opening interface for the welfare fund management 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 a counter terminal, 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. It is preferable to make it.

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 via at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. The IC chip-based non-face-to-face financial transaction service is provided to the customer, 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, 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. It is preferable to make.

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 voucher virtual account opening system side component connected to the window terminal through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), 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. An information receiving unit 115 for receiving a predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with a face unit 105 and 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 based on the financial system; 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 to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited), and the account number and account holder information of the welfare fund management account already established in the ledger D / B on the financial system. It is preferable to include one or more.

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

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

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

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

More specifically, Figure 2 is an account corresponding to the welfare fund management account provided in the ledger D / B (200) on the financial system for opening the voucher payment virtual account in the voucher virtual account opening system shown in Figure 1 Regarding the configuration of the virtual account ledger to be processed in connection with the ledger, those of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 2 to configure the virtual account ledger for opening a voucher payment virtual account Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, the virtual account ledger corresponding to the voucher virtual account opened in the name of the voucher subject to open the voucher payment virtual account is processed in association with the account ledger corresponding to the welfare fund operation account and is present on the financial system. It is characterized in that the ledger D / B (200), the account ledger corresponding to the welfare fund management account is a predetermined customer corresponding to the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) It is characterized in that it is processed in conjunction with the ledger.

In FIG. 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company Address, company telephone 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 including at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, complex transaction corresponding to the ledger 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 rate, current 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 application information is transmitted to the server 100, the voucher virtual account opening server 100 opens a predetermined voucher virtual account based on the virtual account opening application information. As for the process of opening, various ones of ordinary skill in the art to which the present invention pertains, various methods of opening the voucher virtual account for opening the voucher payment virtual account by referring to and / or modifying the present figure 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 establishment application information is a welfare fund management agency information requesting the voucher subject to open a 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 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 is not authenticated to the customer through the virtual account opening application information (310), the server sends the voucher virtual account opening error information to the customer through the virtual account opening interface. Provide (315) and stop opening the voucher virtual account to the customer.

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

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

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment processing 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 (eg, voucher payment target name, social security number, address, Visiting the voucher subject corresponding to the voucher subject personal information including at least one of a telephone number, a mobile phone number, an e-mail address, etc., through the voucher certificate and / or the voucher card (or operating at the financial institution) At least one non-face-to-face financing, or through a cash dispenser (CD) / automatic teller machine (ATM) Requesting a voucher password register for processing financial transactions, at least one through channel below) (it is preferable to not shown).

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 (not shown) for processing at least one or more financial transactions via an operating CD / ATM 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 operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject information included in the virtual account opening application information. (Eg, a voucher subject personal information including at least one voucher payment subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) to the voucher subject without a separate voucher certificate (or voucher card) A voucher unique code (or unique number) for the processing of at least one financial transaction by visiting a financial institution window (or via a CD / ATM operated by the financial institution or through at least one or more non-face-to-face financial transaction channels); It is desirable to request a voucher password registration (not shown).

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). Request registration of a voucher unique code (or unique number) and voucher password 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 (not shown) It is desirable to.

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 a card information registration (not shown) 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 (not shown).

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 where the voucher virtual account is opened is deposited in the payment virtual account under the customer's name. Issue a voucher credit card that automatically adjusts to the credit limit the unused amount of the previous month and / or the amount expected to be paid to the above-mentioned virtual account by a given welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government). It is desirable to.

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

In more detail, FIG. 4 shows that a given welfare fund management institution requests the opening of a voucher virtual account for opening a voucher payment virtual account through a virtual account opening interface including at least one non-face-to-face financial transaction channel. In the voucher virtual account opening system, a system for opening a voucher virtual account having a welfare fund operation account opened under the name of a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) as a parent account. According to the present invention, if the welfare fund management institution provides the predetermined virtual account opening application information using the virtual account opening interface according to the present invention through a predetermined welfare fund operating institution terminal corresponding to the non-face-to-face financial transaction channel, In the voucher virtual account opening system, the virtual account opening application information is Half will be carried out on how to open a virtual account for the voucher voucher voucher paid virtual account opened in the person's name.

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

Hereinafter, based on the virtual account opening application information provided from the welfare fund operation institution through a predetermined virtual account opening interface on the voucher virtual account opening system shown in FIG. 4, the voucher subject who corresponds to the voucher virtual account opening target. Components corresponding to at least one or more means and / or functional configurations of opening a given voucher virtual account are referred to as " voucher virtual account opening server 400 " for convenience.

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

According to an exemplary embodiment of the present invention, when the voucher virtual account opening system supports a non-face-to-face voucher virtual account opening, the welfare fund operation organization may be a wired terminal connected to a predetermined wired network and / or a predetermined wireless communication network. Open the voucher payment virtual account through the at least one user interface provided by the voucher virtual account opening server 400 through at least one client terminal of the wireless terminal connected to the voucher virtual account opening server 400 When the user inputs (or selects) virtual account opening application information for the client terminal, it is preferable to transmit the voucher virtual account opening server 400 provided on the voucher virtual account opening system through a predetermined network means.

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

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

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

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

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

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

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

A financial institution that opens a voucher virtual account for opening the voucher payment virtual account to a predetermined voucher subject at the request of the welfare fund 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 preferable to comprise.

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

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smart phone, etc., wherein the financial transaction service is provided for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to include a transaction service.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable.

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

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

In addition, the financial system is a foreign exchange module according to the intention of the 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 processed and stored, 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 or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined voucher virtual account opening program provided by the voucher virtual account opening server 400 is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the welfare fund operating institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 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 405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the voucher virtual account opening program provided by the voucher virtual account opening server 400 is provided to the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 4, the voucher virtual account opening server 400 connects the voucher virtual account opening server 400 to the voucher virtual account opening server 400 through the interface unit 405. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the welfare fund operating institution terminal in cooperation with 405, and providing the welfare fund operating institution terminal to the welfare fund operating institution terminal. An information receiving unit 415 for receiving predetermined virtual account opening application information that is input (or selected) and transmitted from the welfare fund operation institution terminal through the user interface in association with the providing unit 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 included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 405. It is desirable to provide.

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

The information receiving unit 415 inputs (or selects) predetermined virtual account opening application information through the user interface in the welfare fund operation institution terminal and transmits the information through the network means, interworking with the interface unit 405. The virtual account establishment request information is received, and the received virtual account establishment application information is provided to the information generation unit 420.

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

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

The voucher subject information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living in juveniles, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor persons) and / or voucher subject personal information (e.g., voucher beneficiary name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) for poor creditors, low-income, homeless persons, etc.) Preferably, the welfare fund management institution, the voucher certificate to prove that the voucher is a subject, or a voucher card, if the voucher card, the voucher unique information contained in the voucher certificate (or voucher card) ( For example, the serial number (or unique) included in the voucher certificate Number), or the card number included in the voucher card).

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

According to the 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 processed in order to process the payment processing through the voucher payment amount, detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generation unit 420, the information storage unit 425 operates the welfare fund provided in the ledger D / B provided on the financial system. And generating a predetermined virtual account ledger associated with an account ledger corresponding to an account, and storing the generated virtual account ledger information in the virtual account ledger.

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

In more detail, FIG. 5 illustrates an account ledger corresponding to a welfare fund operation account provided in the ledger D / B 500 on the financial system for opening the voucher payment virtual account in the voucher virtual account opening system shown in FIG. 4. As to the configuration of the virtual account ledger to be processed in conjunction with, and those of ordinary skill in the art to which the present invention belongs, for the virtual account ledger configuration for opening a voucher payment virtual account by referring to and / or modified in this figure 5 Various implementation methods may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, a virtual account ledger corresponding to a voucher virtual account opened in the name of the voucher subject to open the voucher payment virtual account is processed in association with an account ledger corresponding to the welfare fund operation account and is present on the financial system. It is characterized in that the ledger D / B 500, the account ledger corresponding to the welfare fund management account is a predetermined customer corresponding to the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) It is characterized in that it is processed in conjunction with the ledger.

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

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

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

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

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of the voucher payment, transfer of funds, or the like) to be included in the account ledger provided in the ledger D / B 500 provided on the system It is preferable to include at least one ledger information) that should be provided to process the payment processing through the payment amount of the voucher).

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the voucher The amount corresponding to the virtual account balance, 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 both the method and is not limited to the exemplary method shown in the figure 6.

Hereinafter, in FIG. 6, the welfare fund operating institution terminal shown in FIG. 4 is referred to as a “terminal” for convenience, and the voucher virtual account opening server 400 is referred to as a “server” for convenience.

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

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

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

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

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

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

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder information for the welfare fund management account already established in the ledger D / B 500 on the financial system as information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited. It is preferable to include at least one or more.

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

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

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

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

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 500 provided on the financial system (or the virtual account is the person And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

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

Thereafter, the server checks the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher 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 Requesting a voucher password register for processing financial transactions, at least one through channel below) (it is preferable to not shown).

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 (not shown) for processing at least one or more financial transactions via an operating CD / ATM 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 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 preferable to request a password registration (not shown).

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). Request registration of a voucher unique code (or unique number) and voucher password 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 (not shown) It is desirable to.

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 (eg, credit) 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.) Card, 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 (not shown) registration of card information for processing at least one financial transaction.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, At least one card (eg, credit card, check card, debit card, cash card, prepaid card, etc.) owned by the voucher through a voucher subject personal information including at least one of a telephone number, a mobile phone number, and an e-mail address. Visit the financial institution's counter (or via CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to register card information for processing at least one financial transaction. It is desirable to request (not shown).

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 where the voucher virtual account is opened is deposited in the payment virtual account under the customer's name. Issue a voucher credit card that automatically adjusts to the credit limit the unused amount of the previous month and / or the amount expected to be paid by the Ministry of Health and Welfare and / or each local government to the payment virtual account. It is preferable.

7 is a diagram illustrating a voucher credit card issuing system in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 7 shows a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each of the following) to a customer corresponding to a payment virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4. A system for issuing a voucher credit card that automatically adjusts the amount paid to the customer to the credit limit by a local government, and specifically, the customer (eg, the voucher shown in FIGS. 1 and / or 4). The card issuer for issuing a voucher credit card whose credit limit is automatically adjusted in connection with the payment virtual account according to the present invention by the credit card issuing system through a predetermined card issuing interface. When providing the application information, the credit card issuing system based on the provided card issuance application information It is for the customer to configure the system to issue certain credit card voucher.

Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 7 and various implementation methods for the configuration of a voucher credit card issuing system that automatically adjusts the credit limit in connection with the payment virtual account. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

At least one or more means for issuing a predetermined voucher credit card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the voucher credit 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 credit card issuing system in which a credit limit is automatically adjusted in connection with a payment virtual account according to the present invention may be used by a card issuing employee equipped with at least one financial institution. And at least one wire terminal and / or wireless terminal used by the customer when the voucher credit card issuing system supports a non-face-to-face card issuance application. And a client terminal, wherein the counter terminal and / or the client terminal are connected with a card issuing server 700 provided on the credit card issuing system through a predetermined network means.

According to one embodiment of the present invention, the customer visits the financial institution for issuing a credit card for automatically adjusting the credit limit in connection with the payment virtual account according to the present invention (or through a window provided in the financial institution (or A card issuance application for issuing a voucher credit card for which a credit limit is automatically adjusted in connection with the payment virtual account (for example, a voucher credit card for automatically adjusting the credit limit in connection with a payment virtual account). A document with a form for filling in at least one item of information for the user (or the card issuer visits the customer and allows the customer to automatically adjust the credit limit in connection with the payment virtual account). Complete the application form for issuing a voucher credit card) When the card issuance application is submitted to the card issuing staff, the card issuing staff enters (or selects) the information entered in the card issuing application through a predetermined counter terminal, and the counter terminal enters (or selects) the information. It is preferable to transmit the information to the card issuing server 700 provided on the credit card issuing system through the network means.

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, wherein the network means for connecting the teller terminal and the card issuing server 700 is a financial network (for example, connecting the communication terminal between the teller terminal and the card issuing server 700) Net).

In the voucher credit 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 functions to register card issuing application information for issuing a credit card which automatically adjusts the credit limit in association with the payment virtual account according to the present invention.

According to another exemplary embodiment of the present invention, when the voucher credit card issuing system supports a non-face-to-face card issuance application, the customer is wirelessly connected to a wired terminal and / or a wireless communication network connected to a predetermined wire network. The credit limit is connected to the card issuing server 700 through at least one client terminal of the terminal and is linked with the payment virtual account according to the present invention through at least one user interface provided by the card issuing server 700. When the card issuing application information for automatic issuing the voucher credit card is input (or selected), it is transmitted from the client terminal to a card issuing server 700 provided on the credit card issuing system through a predetermined network means. desirable.

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

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

In addition, the client terminal outputs at least one or more user interfaces provided by the 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 transmitting (for example, a browser program and a communication function, or a predetermined communication program and a 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 credit 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 performs a function of a card issuing interface for registering the card issuing application information for the issuing of the credit card by which the customer automatically adjusts the credit limit in association with the payment virtual account according to the present invention.

According to another exemplary embodiment of the present invention, when the voucher credit 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 automatic 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. It further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a network, and / or provided in at least one or more institutions affiliated with the financial institution (And / or servers) it may further include (not shown), to which the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 740 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( The network for connecting the card issuing server 700 and the card issuing card 700 registers the card issuing application information for issuing a credit card for automatically adjusting the credit limit in connection with the payment virtual account according to the present invention. And / or the card issuing terminal 740 is the call terminal (not shown), and / or the call terminal (not shown) and the call terminal (not shown) and the card issuing server ( The wired telephone network and / or the wireless telephone network connecting 700) issuance of a card issuance for issuing a credit card for which the customer automatically adjusts the credit limit in connection with the payment virtual account according to the present invention. In the case of a terminal (and / or server) (not shown) that performs a function of a card issuing interface for registering information and / or is provided to an institution affiliated with the financial institution that is the card issuing terminal 740, A network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuing server 700 is provided by the customer in connection with the payment virtual account according to the present invention. It functions as a card issuing interface for registering card issuing application information for issuing a credit card that automatically adjusts the credit limit.

According to an embodiment of the present invention, the card issuance application information is issued through the voucher credit card issuing system shown in FIG. 7 to obtain a voucher credit card (or open a voucher virtual account shown in FIGS. 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 voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable to make it.

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

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

After the storage medium 735 provided on the credit card issuing system according to the present invention issues a predetermined voucher credit card to the customer based on the card issuing application information provided from the card issuing terminal 740, The voucher credit card information according to the voucher credit card issuance, the virtual account information and the customer information included in the card issuing application information is stored in a linked process, thereby storing the voucher credit card in the payment system using the voucher credit card. The credit limit of the credit card is automatically adjusted to the amount deposited in the virtual account information through the voucher credit card information and the virtual account information stored in the medium 735.

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

According to another embodiment of the present invention, the storage medium 735 is an electronic payment system, and / or an Internet banking system, and / or a tele banking system provided on (or associated with) the credit card issuing system, and It is possible to be provided in the DBMS on at least one or more of the banking system, and / or wireless banking system, and / or TV banking system, whereby the present invention is not limited.

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

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

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

According to an embodiment of the present invention, when the card issuing terminal 740 is a window terminal connected to a predetermined financial network, the interface unit 705 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in the card issuing application program provided in the window terminal.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 705 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (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 generation unit 720 for generating predetermined voucher credit card information corresponding to a voucher credit card to be issued to the customer based on the received card issuing application information, and a predetermined card issuing device The card issuing unit 730 for issuing a predetermined voucher credit card including the voucher credit card information through the voucher credit card information, virtual account information and customer information corresponding to the voucher credit card issued to the customer And an information storage unit 725 for storing in the storage medium 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 request information is input through the network means. Send to server 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 720.

According to an embodiment of the present invention, the card issuance application information is issued through the voucher credit card issuing system shown in FIG. 7 to obtain a voucher credit card (or open a voucher virtual account shown in FIGS. 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 voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable to make it.

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

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

The information generating unit 720 generates predetermined voucher credit card information to be provided to the customer on the voucher credit card based on the card issuing application information received through the information receiving unit 715.

Herein, the voucher credit card information may include a predetermined credit card number and an expiration date card issuer number, but the credit card type is included in the credit card number included in the credit card number corresponding to the voucher credit card information. Preferably, the identification number corresponding to the identification number includes an identification number assigned to correspond to the voucher credit card.

Those skilled in the art will be familiar with the credit card information generated for issuing a predetermined credit card including the voucher credit card, and thus the detailed description thereof will be omitted for convenience. That is, the voucher credit card information also follows the configuration of the credit card information.

When the predetermined voucher credit card information included in the voucher credit card is generated by the information generating unit 720, the card issuing unit 730 includes the voucher credit card information through a predetermined card issuing device. Producing a credit card (or having the voucher credit card information in the voucher credit card), wherein the voucher credit card is provided (or shipped) to the customer.

If the voucher credit card is an MS (Magnetic Stripe) card, the card issuing device sends the voucher credit card information to at least one MS track (eg, track I, track II, track III) included in the voucher credit card. And a recording device, wherein the information generating unit 720 generates the voucher credit card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 730 is the card issuing device. By recording the voucher credit card information in at least one or more MS tracks, a predetermined voucher credit card to be issued to the customer is issued.

Alternatively, if the voucher credit card is an IC (Integrated Circuit) card, the card issuing device comprises a device for recording the voucher credit card information in a memory provided on the IC chip of the voucher credit card, wherein the The information generation unit 720 generates the voucher credit card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 730 uses the card issuing device to generate the voucher credit card information. By recording the voucher credit card information in the memory of the IC chip, a predetermined voucher credit card to be issued to the customer is issued.

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

Thereafter, the information storage unit 725 includes the voucher credit card information generated by the information generation unit 720 and the virtual account included in the card issuance application information received from the customer through the information receiving unit 715. And storing the information and the customer information in the storage medium 735 by linking and processing the information.

8 is a diagram illustrating a voucher credit card issuing process in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 8 shows a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each of the following) to a customer corresponding to a payment virtual account opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4. A process for issuing a voucher credit card that automatically adjusts the amount paid to the customer to the credit limit by a local government, and specifically, the customer (eg, the voucher virtual account shown in FIGS. 1 and / or 4). A customer whose payment virtual account has been opened through the establishment system has a predetermined card issuance interface (eg, a card issuance application, a counter terminal and a network means, or a client terminal and a network means including at least one wired terminal and / or a wireless terminal). Etc.) to transmit the predetermined card issuing application information to the card issuing server 700 to the card issuing server 700. In the card issuing server 700 is about the process of issuing a predetermined credit card vouchers issuing the card based on the subscription information.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to issue the voucher credit card for issuing a credit card that automatically adjusts the credit limit in connection with the payment virtual account. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 8 illustrates that the voucher credit card is produced and provided (or shipped) to the customer, and then the predetermined voucher credit card information, virtual account information, and customer information are stored in the storage medium 735. As described above, the storage of the voucher credit card information, the virtual account information, and the customer information in the storage medium 735 may be performed before the voucher credit card is produced or the voucher credit card is manufactured. The present invention may be performed before or after being provided (or shipped) to the customer, and the present invention is not limited thereto.

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

Referring to FIG. 8, in order to issue a credit card that automatically adjusts a credit limit in association with the payment virtual account, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface. Alternatively, and / or when the voucher credit card issuing system shown in FIG. 7 supports a non-face-to-face card issuance application, the customer inputs (or selects) predetermined card issuance application information through a predetermined client terminal. Thereafter, the card issuing application information is provided to the server through a predetermined card issuing interface (800).

The card issuing interface may include a card issuance application prepared 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 credit 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 credit card issued through the voucher credit card issuing system shown in Figure 7 (or shown in Figures 1 and / or 4) Customer information corresponding to a payment virtual account opened through a voucher virtual account opening system, and a payment virtual account opened under a customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include the virtual account information.

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

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

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 it is possible to issue the voucher credit card to the customer (805).

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

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

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

Herein, the voucher credit card information may include a predetermined credit card number and an expiration date card issuer number, but the credit card type is included in the credit card number included in the credit card number corresponding to the voucher credit card information. Preferably, the identification number corresponding to the identification number includes an identification number assigned to correspond to the voucher credit card.

Those skilled in the art will be familiar with the credit card information generated for issuing a predetermined credit card including the voucher credit card, and thus the detailed description thereof will be omitted for convenience. That is, the voucher credit card information also follows the configuration of the credit card information.

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

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

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

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

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

Thereafter, the server associates the generated voucher credit card information with the virtual account information and the customer information included in the card issuance request information provided from the customer through the card issuing interface and stores the processed credit card information in the storage medium 735. (830).

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

9 is a diagram illustrating a payment system configuration using a voucher credit card in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a credit limit of the voucher credit card at a welfare fund management institution (eg, health care) during online / offline payment through a voucher credit card issued through the voucher credit card issuing system shown in FIG. Ministry of Welfare and / or each local government) automatically adjusts the credit payment based on the amount paid to the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 Regarding the configuration of a payment system, characterized in that, if one of ordinary skill in the art to which the present invention belongs, the voucher is automatically adjusted credit limit in connection with the payment virtual account by referring to and / or modified in this figure 9 Various implementation methods for the payment system configuration using a credit card may be inferred, but the present invention Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 9.

Referring to FIG. 9, a payment system using a voucher credit card that automatically adjusts a credit limit in association with a payment virtual account is opened under the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. A payment terminal for performing online / offline payment processing through a voucher credit card issued to the customer through a voucher credit card issuing system shown in FIG. 7 and linked with the payment virtual account, and is transmitted from the payment terminal. The unused amount of the previous month, which is deposited in the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4, and / or a predetermined welfare fund. The Bow shown in Figures 1 and / or 4 above, in an operating agency (e.g., Ministry of Health and Welfare and / or each municipality) Through the virtual account opening system, the credit limit of the voucher credit card is checked based on the estimated monthly payment amount to be paid to the virtual account opened in the name of the customer, and a credit settlement approval procedure corresponding to the verified credit limit is performed. It comprises a payment system 900 to perform, and a financial system provided with a payment virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figures 1 and / or 4.

Here, a detailed description of the financial system having a virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 refers to FIGS. 1 and / or 4. Detailed description of the financial system in FIG. 9 will be omitted for convenience.

The payment terminal is characterized in that it comprises at least one CAT (Credit Authorization Terminal), and / or Point of Sales (POS) terminal for processing offline payment using the voucher credit card, the payment terminal is VAN The payment server 900 is connected to a predetermined payment network through a value added network.

According to an embodiment of the present invention, the payment terminal reads out predetermined voucher credit card information from the voucher credit card through a predetermined card reader in an offline payment process, and sets a predetermined amount of payment through a predetermined key input device. Input (or confirm the payment amount through a barcode reader (or RFID reader)), and generate a payment approval request message including the voucher credit card information and the payment amount and transmit it to the payment server 900 through the VAN. It is preferable.

Those skilled in the art will be familiar with the detailed technical features of the payment terminal and VAN processing offline payments using the voucher credit card, detailed description thereof will be 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 credit 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 900 is connected to a predetermined payment network through a communication network that includes the payment server 900.

According to an exemplary embodiment of the present invention, the payment terminal reads out the voucher credit card information from the voucher credit card through a predetermined card reader (or the voucher credit card through a predetermined key input means) in an online payment process. Inputting voucher credit card information corresponding to the above information, and receiving payment information including a predetermined payment amount from a web server such as the shopping mall server and / or a content server, and including the voucher credit card information and the payment amount. It is preferable to generate a payment approval request message to be transmitted to the payment server 900 according to the online payment protocol.

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 credit 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. 9, the payment server 900 is a specialized receiving unit for receiving a payment approval request message including a voucher credit card information and a payment amount from the payment terminal through the VAN (or a communication network supporting an online payment protocol). 905 and when the payment approval request message is received through the specialized receiving unit 905, the virtual account information linked to the voucher credit card information included in the payment approval request message in association with the storage medium 935. Payment virtual information opened in the name of the customer through the information confirmation unit 910 for verifying the, and the voucher virtual account opening system shown in Figure 1 and / or Figure 4 in connection with the financial system based on the virtual account information Identify any unused amount of money deposited in the account in the previous month, and / or at any welfare fund management organization (eg, the Ministry of Health and Welfare and / or each municipality) The credit limit for the voucher credit card is adjusted (or confirmed) by confirming the expected monthly payment amount to be paid to the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. A limit confirmation unit 930, a payment approval unit 920 for performing a credit settlement approval procedure for the payment amount included in the full payment approval request based on the limit check result, and the payment approval unit 920 The payment terminal through the VAN (or a communication network supporting the online payment protocol) by generating a payment approval message including a payment processing history (for example, payment approval history or payment error history) corresponding to the credit settlement approval process. Characterized in that it comprises a specialized transmission unit 915 to transmit to.

In addition, when the payment server 900 is approved by the payment approval unit 920 for the credit settlement, the payment server 900 is unused in the previous month deposited in the payment virtual account in connection with the financial system, and And / or a virtual account processing unit 925 that sets a lock on the payment approval amount among the monthly payments to be paid to the payment virtual account by a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). It is characterized by further comprising.

The specialized receiving unit 905 may receive a payment approval request message including a voucher credit card information corresponding to the voucher credit card and a payment amount from a payment terminal supporting offline payment settlement through the VAN.

Alternatively, the specialized receiving unit 905 may provide a full payment approval request message including a voucher credit card information corresponding to the voucher credit card and a payment amount according to the online payment protocol from a payment terminal through a communication network supporting the online payment protocol. It is characterized by receiving.

When the payment approval request message including the voucher credit card information and the payment information is received through the specialized receiving unit 905, the information checking unit 910 stores a storage medium on the voucher credit card issuing system shown in FIG. The voucher credit card information included in the full text of the payment approval request is searched by checking whether the voucher credit card information matched with the voucher credit card information included in the received payment approval request text exists among the voucher credit card information stored in step 935). Through the voucher credit card issuing system shown in FIG. 7, the voucher credit card issued through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is processed in connection with the virtual account opened under the customer's name. Characterized in that.

If the check result, the voucher credit card information included in the full payment approval request is sent to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher credit card issuing system shown in FIG. If it is not a voucher credit card issued in connection with a virtual account opened in the name, the payment approval unit 920 according to the conventional credit card payment approval process according to the credit card information included in the full payment approval request in advance Perform the procedure.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the conventional credit card payment approval procedure, a detailed description thereof will be omitted for convenience.

On the other hand, the customer confirms that the voucher credit card information included in the full payment approval request message is provided through the voucher credit card issuing system shown in FIG. 7 and the voucher virtual account opening system shown in FIGS. In the case of a voucher credit card issued in connection with a virtual account opened in the name, the limit checking unit 930 is connected to the financial system based on the virtual account information, and is shown in FIGS. 1 and / or 4. By checking the payment virtual account opened in the customer's name through the voucher virtual account opening system, the credit limit for the voucher credit card is adjusted (or confirmed) by checking the unused amount of money deposited in the payment virtual account of the customer's name. It is characterized by.

In addition, the limit check unit 930 is a customer through a voucher virtual account opening system shown in Figs. 1 and / or 4 in a predetermined welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government). If the payment date of the current monthly payment due to the payment virtual account opened in the name is earlier than the settlement date of the payment included in the preamble of the payment approval request, the estimated current monthly payment to the confirmed unused amount of the previous month. Summing to adjust (or verify) the credit limit for the voucher credit card.

When the credit limit of the voucher credit card is confirmed by the limit checker 930, the payment approval unit 920 may determine a payment amount included in the full payment approval request based on the confirmed limit check result. It is characterized by performing a credit settlement approval procedure.

According to the exemplary embodiment of the present invention, when the payment amount included in the full payment approval request is less than or equal to the confirmed credit limit, the payment approval unit 920 may determine a payment amount included in the full payment approval request. It is preferable to generate a payment approval history, or when the payment amount included in the full payment approval request is larger than the confirmed credit limit, the payment approval unit 920 may apply to the payment amount included in the full payment approval request. It is desirable to create a billing error history for.

The specialized transmission unit 915 generates a predetermined payment processing history including payment approval details or payment error details generated by the payment approval unit 920, and includes the payment processing details and the VAN (or online). Generate a predetermined payment approval text that can be transmitted to the payment terminal through a communication network that supports a payment protocol, and transfer the generated payment approval text to the payment terminal through the VAN (or a communication network that supports an online payment protocol). Characterized in that the transmission.

When the payment approval details corresponding to the full payment approval request are generated by the payment approval unit 920, the virtual account processing unit 925 is deposited in the payment virtual account of the customer's name in connection with the financial system. The unused amount and / or the amount of the current month's payment to be paid to the payment virtual account by a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) corresponds to the payment amount. It is characterized by setting the lock so that it is not withdrawn for any other purpose than the settlement amount.

10 is a diagram illustrating a functional configuration of a payment terminal for payment processing through a voucher credit card according to an embodiment of the present invention.

In more detail, FIG. 10 is connected to the voucher credit card when payment is made using a voucher credit card issued in connection with a payment virtual account under a customer's name through the voucher credit card issuing system shown in FIGS. 1 and / or 4. For the payment terminal configuration to generate and process the payment approval request text that automatically adjusts the unused amount and / or the expected amount of the payment of the virtual account of the customer's name to the voucher credit card to the credit limit of the voucher credit card. As those skilled in the art to which the present invention pertains, various implementation methods for the configuration of a payment terminal function for payment processing through the voucher credit card can be inferred by referring to and / or modifying the drawing 10. As will be appreciated, the present invention includes all implementation methods inferred, and The technical features are not limited only to the illustrated embodiment.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to provide a Credit Authorization Terminal (CAT), and / or Point Of Sale (POS) terminal, and And / or a financial teller machine (e.g. Automatic Teller Machine (ATM), Cash Dispenser (CD)), and / or at least one wired or wireless terminal, and / or a card reader A method of applying the functional configuration of the payment terminal shown in FIG. 10 to a call terminal for payment, and / or a payment home appliance equipped with a card reader may be inferred. The functional configuration is not limited to a specific terminal device.

Referring to FIG. 10, a payment terminal for payment processing through the voucher credit card is basically a control unit 1005, a memory unit 1045, a card interface 1000, a key input unit 1015, and a screen output unit 1010. And a communication unit 1025, a security application module 1030, a print output unit 1035, and a power supply unit 1020 for supplying power to a payment terminal.

The control unit 1005 controls the overall operation of the payment terminal in the functional configuration, manages the flow of information or data between each component, and controls the components provided in the payment terminal for payment processing through the voucher credit card. At least one processor and execution memory (for example, a register and / or random access memory (RAM)) and predetermined data including a central processing unit (CPU) / micro processing unit (MPU) in hardware; It is characterized in that it comprises a bus for inputting and outputting, and is loaded into the execution memory from a predetermined recording medium in order to perform a function specific to the payment terminal in software (operation) is processed by the processor Including certain program routines and / or program data (and therefore payment via voucher credit card) The control unit may view a component that can be processed in software from among the functional configurations provided in the payment terminal for payment processing through a predetermined program and / or voucher credit card recorded on a recording medium provided in the payment terminal for the second processing ( 1005), characterized in that it comprises a).

In particular, the control unit 1005 is an operating system routine, a system management routine, and / or stored in a predetermined memory unit 1045 to control and manage the overall operation of the payment terminal after the payment terminal is booted in software. Or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, and / or an electronic payment service.

The memory unit 1045 stores information or data input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal is performed. General term of non-volatile memory for storage of at least one, including at least one storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. And a predetermined program routine required for the control unit 1005 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is characterized by.

According to a preferred embodiment of the present invention, the memory unit 1045 preferably stores at least one or more specialized inclusion information for payment processing through a voucher credit card, wherein the specialized inclusion information is the payment terminal information (e.g., , CAT_ID information) and the like.

The card interface 1000 provides an interface for reading at least one or more information or data included in a predetermined card to realize payment processing through a voucher credit card. An MS interface providing an interface between an MS (Magnetic Stripe) card and the payment terminal, and / or a contact IC interface providing an interface between the contact IC card and the payment terminal based on the ISO / IEC 7816 standard, and And / or a contactless IC interface providing an interface between the contactless IC card and the payment terminal based on the ISO / IEC 14443 standard.

The MS interface is a card interface 1000 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, a magnetized binary). When the MS card on which data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized in that the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to interface with the payment terminal.

The contact IC interface is a card interface 1000 based on ISO / IEC 7816, comprising at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. A terminal for supplying power to the IC chip of the IC card through the contact point, and payment information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized by interfacing to.

The contactless IC interface is a card interface 1000 based on ISO / IEC 14443, and includes at least one or more contactless electrical contacts with a contactless IC card by using capacitive coupling and / or inductive coupling. It includes an antenna, supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip to the payment terminal through the half duplex transaction using an APDU. Interfacing.

The key input unit 1015 is a terminal operator from a predetermined key input means comprising a plurality of number keys (Character Key), a function key (Function Key) and the like to enter a character and And / or input the corresponding key data (Key Data) generated by the user clicking on a predetermined key to the controller 1005, wherein the controller 1005 is key data input through the key input unit 1015. Read and control a predetermined function and / or a predefined task corresponding to the key data in association with at least one component provided in the payment terminal.

According to an embodiment of the present invention, the key input unit 1015 preferably performs a function of a key input unit for receiving predetermined payment amount information for payment processing through the voucher credit card.

The screen output unit 1010 is a liquid crystal display (LCD) and / or CRT by the control unit 1005 while the payment terminal performs a predetermined function (for example, payment processing through the voucher credit card) (Cathode Ray Tube) outputs at least one or more information or data that is predefined or defined in real time to be output to a predetermined screen output means including a predefined screen interface, the payment terminal in the The predefined information or data to be output on the screen may include key data input through the key input unit 1015, and / or information (or data) stored or generated by a component included in the payment terminal. Information (or data) transmitted and received through the 1025, and / or corresponding to a predetermined operation result performed by the payment terminal ( It may comprise data) to at least one.

According to a preferred embodiment of the present invention, the screen output unit 1010 preferably performs a function of a screen output means for outputting a payment screen for payment processing through the voucher credit card.

The communication unit 1025 may perform a predetermined function (for example, a payment processing function through a voucher credit card) through a predetermined cable with a terminal (or server) and / or the payment terminal on a network. And a predetermined communication means for connecting a communication session with a terminal (or device) to be connected and / or a terminal (or device) connected to the payment terminal through a predetermined short-range wireless communication. A network communication unit 1025 for connecting a predetermined communication channel with the payment server 900, and / or a cable communication unit 1025 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, And / or a local area for connecting a predetermined communication session with a predetermined local area communication terminal (or device) device through at least one local area wireless communication means. Comprised, including the communication lines 1025, it comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit 1025 may be a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a payment server 900 on a wired / wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network, and is configured to connect the payment terminal to a predetermined wired / wireless network in hardware. It includes a modem or a network interface card (NIC), and comprises a communication protocol and / or driver for software to connect the payment terminal to the wired and wireless network.

The cable communication unit 1025 connects a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

When the cable communication terminal (or device) includes a predetermined bar code reader and / or a radio frequency identification (RFID) reader according to an embodiment of the present invention, the cable communication unit 1025 is the cable communication terminal (or device). It is preferable to receive at least one purchase product information and a payment amount corresponding to the purchased product from the.

The short range wireless communication unit 1025 may include at least one short range wireless communication unit including infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware It comprises a wireless communication module, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

According to an embodiment of the present invention, when the near field terminal (or device) includes a predetermined barcode reader and / or a radio frequency identification (RFID) reader, the near field communication unit 1025 may be provided from the near field terminal (or device). It is preferable to receive at least one purchase product information and a payment amount corresponding to the purchase product.

The secure application module 1030 (SAM) is a confidentiality and / or authentication and / or required by the payment terminal to perform the electronic payment and / or electronic payment using the card. Or to perform security requirements including integrity and / or nonrepudiation in a secure and reliable structure within the payment terminal without using an authentication server (or payment server 900) on the network. A security device for encrypting or decrypting a predetermined message (information or data) processed in the process of performing a predetermined security request function (eg, electronic payment and / or electronic payment function) by the payment terminal, The ability to add an authenticator that prevents forgery (or tampering), or to store critical information that is important in the course of performing the security requirements. It characterized in that it performs.

In general, the security application module 1030 preferably consists of a predetermined security application module 1030 inserter and a security application module 1030 chip, the security application module 1030 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 1030 may include at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal to perform a predetermined security request function. / Or key (e.g. one master key and at least one application key) and / or protocol (e.g. trading protocol, re-transaction protocol, previous transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration Protocols, authorization protocols, mode switch protocols, key download protocols, SAM discard protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / restart) Processing / cancellation command).

The print output unit 1035 may be configured to perform a predetermined function (e.g., a payment processing function through a voucher credit card) and / or predetermined information or data (e.g., a payment processing result) generated by the payment terminal. Information or data) to a predetermined printing apparatus 1040 (for example, a receipt printer), and prints the printing information or data through the predetermined printing apparatus 1040 in accordance with a predefined printing form. It comprises a printing protocol and a driver for.

Referring to FIG. 10, the payment terminal for payment processing through the voucher credit card is connected to the card interface 1000 through the voucher credit card issuing system shown in FIGS. 1 and / or 4. A card reader unit 1050 for reading voucher credit card information from a voucher credit card issued to a customer, and an information input unit 1055 for receiving a predetermined payment amount (for example, the total amount to be paid and paid through the voucher credit card). And a full text generation unit 1060 for generating a payment approval request text including the voucher credit card information and the payment amount, and the generated payment approval request text with the communication unit 1025 (network communication unit 1025). It characterized in that it comprises a specialized transmission unit 1065 for transmitting to the payment server 900 through the payment network, the payment in connection with the communication unit 1025 It is characterized in that it comprises a specialized processing unit 1070 for receiving and outputting the payment approval message corresponding to the payment approval request full text from the payment server 900 through the network.

When the voucher credit card is a predetermined MS card, the card reader unit 1050 may recognize the voucher credit card through the card interface 1000 (eg, the MS interface). Through the voucher credit card issuing system shown in the above, it is characterized in that the predetermined voucher credit card information is read from the MS provided in the voucher credit card issued to the customer.

When the voucher credit card is a predetermined IC card, the card reader unit 1050 receives the key input unit 1015 when the voucher credit card is recognized through the card interface 1000 (eg, a contact IC interface). In conjunction with the PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 1015 and transmitted to the IC card through the card interface 1000 to the IC card). Procedure for verifying confidentiality, authentication, integrity, and nonrepudiation), and if the IC card validity is authenticated, it is shown in FIG. 1 and / or FIG. A predetermined voucher credit card information is read from an IC chip included in the voucher credit card issued to the customer through a voucher credit card issuing system.

According to another exemplary embodiment of the present invention, the voucher credit card information may be keyed through the key input unit 1015, and the present invention is not limited thereto.

The information input unit 1055 receives a payment amount to be processed through the voucher credit card in connection with the key input unit 1015 or in connection with the cable communication unit 1025 and / or the short range wireless communication unit 1025. Characterized by receiving a payment amount for at least one or more purchases.

When predetermined voucher credit card information is read through the card reader unit 1050 and a predetermined payment amount is input through the information input unit 1055, the full text generation unit 1060 generates the voucher credit card information and payment. Characterized in that the payment approval request text including the amount and at least one or more information contained in the text stored in the memory unit 1045, a preferred embodiment thereof will be described in detail with reference to FIG.

When the payment approval request full text is generated, the specialized transmission unit 1065 connects the generated payment approval request full text in association with the communication unit 1025 (network communication unit 1025) to the communication unit 1025 (network communication unit 1025). )) Is transmitted to the payment server 900 through the payment network connected.

Thereafter, the specialized processing unit 1070 is connected with the communication unit 1025 (network communication unit 1025) whether the payment approval message corresponding to the payment approval request message is received from the payment server 900 through the payment network. If the payment approval message corresponding to the payment approval request message is received from the payment server 900 through the payment network, the screen output unit 1010 displays the payment processing details included in the payment approval message. Output through and / or print through the print output unit 1035.

11 is a diagram illustrating an operation process of a payment terminal according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a payment method using a voucher credit card issued in connection with at least one customer payment means through the voucher credit card issuing system shown in FIGS. 1 and / or 4. For the operation of the payment terminal for transmitting the unused amount and / or the current month's payment amount of the payment virtual account under the linked customer's name to the payment server 900 which automatically adjusts the credit limit to the voucher credit card and processes the payment. As those skilled in the art to which the present invention pertains, various implementation methods for the configuration of a payment terminal function for payment processing through the voucher credit card can be inferred by referring to and / or modifying the drawing 11. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the seal shown in FIG. The technical features are not limited only by the municipal method.

Referring to FIG. 11, the payment terminal shown in FIG. 9 uses a voucher credit card issuing system shown in FIGS. 1 and / or 4 through a predetermined card reader for payment processing through the voucher credit card. The voucher credit card information issued to the customer is read (1100).

According to an embodiment of the present invention, when the voucher credit card is a predetermined MS card, when the voucher credit card is recognized through a predetermined card reader, the voucher shown in FIGS. 1 and / or 4 It is preferable to read predetermined voucher credit card information from the MS provided in the voucher credit card issued to the customer through a credit card issuing system.

According to another embodiment of the present invention, when the voucher credit card is a predetermined IC card, when the voucher credit card is recognized through the card reader, the voucher credit card and the predetermined key input means provided in the payment terminal; A PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 1015 and transmitted to the IC card through the card interface 1000 to the IC card). A procedure for verifying confidentiality, authentication, integrity, and nonrepudiation), and if the IC card is validated, the voucher credit shown in FIGS. 1 and / or 4 It is preferable to read predetermined voucher credit card information from the IC chip included in the voucher credit card issued to the customer through a card issuing system.

According to another exemplary embodiment of the present invention, the voucher credit card information may be keyed through a predetermined key input means provided in the payment terminal, and the present invention is not limited thereto.

Thereafter, the terminal checks whether a payment amount for payment processing is input through the voucher credit card in association with the key input unit 1015 (1105).

According to the method of the present invention, it is preferable that the payment terminal checks whether the payment amount is input through a predetermined key input means.

Alternatively, the payment terminal preferably checks whether a payment amount corresponding to at least one or more purchased products is input through a predetermined barcode reader (or RFID reader).

If the customer payment means payment amount is confirmed (1110), the payment terminal includes the voucher credit card information and payment amount and at least one full-text inclusion information stored in the memory of the payment terminal as shown in FIG. The full payment approval request is generated (1115).

If the payment approval request message is generated (1120), the payment terminal transmits the payment approval request message to the payment server 900 through the payment network (1125).

When the payment terminal processes an offline payment according to an embodiment of the present invention, the payment terminal transmits the full text of the payment approval request to the payment server 900 through a payment network including a value added network (VAN). It is desirable to.

According to another embodiment of the present invention, when the payment terminal processes an online payment, the payment terminal includes a communication network corresponding to a predetermined online payment protocol (eg, a secure payment protocol or a secure click protocol). It is preferable to transmit the full text of the payment approval request to the payment server 900 through the payment network.

Thereafter, the payment terminal periodically checks whether the payment approval message including the payment processing details corresponding to the payment approval request message is received from the payment server 900 through the payment network (1130).

If the payment approval message is received through the payment network (1135), the payment terminal displays the payment processing details (eg, payment approval details or payment error details) included in the received payment approval message. Through the output or through a predetermined printing device 1040 (1140).

12 is a diagram illustrating a payment approval request specialized structure generated by a payment terminal for payment processing through a voucher credit card according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a payment approval request structure generated for payment processing through a voucher credit card issued through the voucher credit card issuing system shown in FIG. 7 in the payment terminal shown in FIG. As one of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 12 to infer various payment approval request structure for payment processing through the voucher credit card. However, the present invention includes all the implementation methods inferred, and the present payment approval request structure is not limited to that illustrated in FIG.

Referring to FIG. 12, the payment approval request full-text structure may include at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request full text is a voucher credit shown in FIG. 7 through a transaction classification item related to the credit card payment, a Terminal_ID item for the payment terminal, a POS Entry Mode item, and a card reader provided in the payment terminal. It includes the TRACK II Data item corresponding to the voucher credit card information read from the voucher credit card issued to the customer through the card issuing system, and the installment corresponding to the payment information after a predetermined FS (File Separator, 0X1C) It includes months and payment amount items, and also includes working key index items, password items, product code items, and document serial number items.

Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each item included in the credit card payment request specialized section based on the contents shown in FIG. Detailed description thereof will be omitted.

Referring to FIG. 12 according to an embodiment of the present invention, the transaction classification item of the payment approval request message includes transaction classification information including any one of “credit approval request” or “credit approval cancellation”. In the payment processing through the voucher credit card issued in the name of the customer through the voucher credit card issuing system shown in 7, the payment amount of the customer payment means (for example, the customer) of the total payment amount to be processed through the voucher credit card. A voucher issued under the name of the customer through the information registration system shown in the drawing u, the amount corresponding to the amount of the charge or the total amount of the payment, excluding the amount of the virtual account payment using the virtual account associated with the voucher credit card). This means that the payment is processed through a credit card payment method associated with the credit card.

According to an embodiment of the present invention, the TRACK II Data item corresponding to the voucher credit card information read from the voucher credit card issued to the customer in the preamble of the payment approval request may include the MS if the voucher credit card is the MS card. Preferably, the credit card information includes voucher credit card information obtained from a primary account number (PAN) area and additional data (AD) and / or discretionary data (DD) area of the TRACK II of the card, or the voucher credit card is an IC card. In this case, it is preferable to include the voucher credit card information obtained from the voucher storage information provided in the IC card.

In addition, the payment amount item in the full payment approval request is settled through the voucher credit card in the payment process through the voucher credit card issued under the name of the customer through the voucher credit card issuing system shown in FIG. It is preferable to include the settlement amount to be processed.

FIG. 13 illustrates a credit settlement process using a voucher credit card in which a credit limit is automatically adjusted in connection with a payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a credit limit of the voucher credit card at a welfare fund management institution (eg, health care) during online / offline payment through a voucher credit card issued through the voucher credit card issuing system shown in FIG. Ministry of Welfare and / or each local government) automatically adjusts the credit payment based on the amount paid to the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 As a person of ordinary skill in the art to which the present invention pertains, a payment system using a voucher credit card which automatically adjusts the credit limit in connection with a payment virtual account by referring to and / or modifying the drawing 13 While various implementations of the configuration may be inferred, the present invention encompasses all implementations inferred above. In addition, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the payment server 900 on the payment system shown in FIG. 9 is referred to as "server" for convenience, and the payment terminal shown in FIG. 10 is referred to as "terminal" for convenience.

Referring to FIG. 13, the voucher credit card information issued to the customer through the voucher credit card issuing system shown in FIG. 7 through the payment terminal operation process shown in FIG. 11 in the payment terminal shown in FIG. When a payment approval request message including a predetermined payment amount is generated and transmitted through the payment network, the server receives the payment approval request message sent from the terminal through the payment network (1300).

According to an embodiment of the present invention, it is preferable that the server receives a payment approval request message including a voucher credit card information corresponding to the voucher credit card and a payment amount from a terminal supporting offline payment settlement through the VAN. .

Alternatively, it is preferable that the server receives a payment approval request message including a voucher credit card information corresponding to the voucher credit card and a payment amount from the terminal through a communication network supporting the online payment protocol. Do.

Thereafter, the server matches the voucher credit card information that is matched with the voucher credit card information included in the received payment approval request message among the voucher credit card information stored in the storage medium 935 on the voucher credit card issuing system shown in FIG. The voucher credit card information included in the full payment approval request is sent to the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher credit card issuing system shown in FIG. In operation 1305, it is checked whether the voucher credit card is issued in association with the virtual account opened in the customer's name.

If the check result, the voucher credit card information included in the full payment approval request is sent to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher credit card issuing system shown in FIG. If it is not a voucher credit card issued in connection with the virtual account opened in the name (1310), the server performs a credit settlement process corresponding to the credit card information included in the full payment approval request in accordance with a conventional credit card payment approval procedure. Perform (1315).

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the conventional credit card payment approval procedure, a detailed description thereof will be omitted for convenience.

On the other hand, the customer confirms that the voucher credit card information included in the full payment approval request message is provided through the voucher credit card issuing system shown in FIG. 7 through the voucher virtual account opening system shown in FIGS. 1 and / or 4. When it is confirmed with the issued voucher credit card in association with the virtual account opened in the name (1310), the server is linked to the financial system based on the virtual account information, the voucher shown in Figure 1 and / or Figure 4 Through the virtual account opening system, confirm the unused amount of money deposited in the payment virtual account opened in the name of the customer, and / or at a welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government). Payment to the payment virtual account opened in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 In step 1320, the credit limit of the voucher credit card is adjusted (or confirmed) by confirming the amount of the current payment to be made.

According to an embodiment of the present invention, the server is provided in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 in connection with the financial system based on the virtual account information. It is preferable to adjust (or verify) the credit limit for the voucher credit card by checking the account, confirming the unused amount of money deposited in the payment virtual account under the customer's name.

In addition, the server is provided in the name of the customer through a voucher virtual account opening system shown in Figures 1 and / or 4 in a predetermined welfare fund management organization (for example, the Ministry of Health and Welfare and / or each local government) If the payment date of the current month's payment amount to be paid to the virtual account is earlier than the settlement date of the payment amount included in the full payment approval request, the confirmed current month's payment amount is added to the confirmed previous month's unused amount. It is desirable to adjust (or verify) the credit limit for a credit card.

If the credit limit for the voucher credit card is adjusted (or confirmed) through the previous month's unused amount and / or the current month's payment amount of the payment virtual account in the customer's name associated with the voucher credit card (1325), the server may The credit limit of the adjusted (or confirmed) voucher credit card is checked (1330) to approve the credit payment for the payment amount included in the full payment approval request.

According to an embodiment of the present invention, if the payment amount included in the payment approval request text is less than or equal to the confirmed credit limit, the server approves credit settlement for the payment amount included in the payment approval request text. Preferably, or when the payment amount included in the full payment approval request is greater than the confirmed credit limit, the server preferably does not approve the credit payment for the payment amount included in the full payment approval request.

If the credit settlement for the payment amount is not approved (1335), the server generates a payment error history for the payment amount through the voucher credit card (1340), and the predetermined payment error details including the generated payment error details; After generating a payment processing history (for example, payment processing details that can be included in a payment approval message) (1345), the payment processing history may be transmitted to the terminal through the VAN (or a communication network supporting an online payment protocol) including the payment processing history. After generating a predetermined payment approval message, the generated payment approval message is transmitted to the terminal through the VAN (or a communication network supporting an online payment protocol) (1350).

On the other hand, if the credit settlement for the payment amount is approved (1335), the server generates a payment approval history for the payment amount through the voucher credit card (1355), a predetermined payment including the generated payment approval history After generating a processing history (e.g., payment processing details that can be included in a payment approval message) (1360), the payment details can be transmitted to the terminal through the VAN (or a communication network supporting an online payment protocol) including the payment processing details. After generating a predetermined payment approval message, the generated payment approval message is transmitted to the terminal through the VAN (or a communication network supporting an online payment protocol) (1365).

In addition, the credit settlement for the payment amount is approved (1335), or a predetermined payment approval text including the payment approval history is generated to the terminal through the VAN (or a communication network supporting an online payment protocol). After being transmitted (1365), the server may be linked to the financial system to pay virtually the previous month's unused amount of the payment virtual account and / or a predetermined welfare fund operating institution (eg, the Ministry of Health and Welfare and / or each local government). In operation 1370, a lock is set such that the amount corresponding to the payment amount of the current payment amount to be paid to the account is not withdrawn for any other purpose than the settlement amount of the voucher credit card.

According to the present invention, at least one beneficiary may be provided by a predetermined national institution (eg, the Ministry of Health and Welfare that operates the Welfare Fund, or the National Pension Service that operates the National Pension Service, or each local government) and / or insurance company. 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. Issue a predetermined credit card associated with the payment virtual account in which the funds (or pensions or insurance benefits) to be managed are deposited, and the credit limit of the credit card is deposited in the payment virtual account under the customer's name, and / or Alternatively, a predetermined welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) has an advantage of automatically adjusting the amount to be paid in the current month to be paid to the payment virtual account and processing the credit settlement.

Claims (5)

When a predetermined credit card is issued to a specific amount payment target person such as a welfare fund, checking a payment amount that is paid to the specific amount payment target person monthly by a predetermined information checking means; Setting usage of the issued credit card according to the confirmed payment amount limit in a predetermined credit card usage setting means; And And storing and registering the set credit card utilization information in a predetermined information storage means in association with the issued credit card information in a predetermined storage medium. The method of claim 1, And setting the credit card using payment settlement account in a predetermined settlement processing means as a specific amount payment account such as the welfare fund. The method of claim 1, Checking the unused amount of the previous month among the amounts paid to the specific amount payment target party; And And adjusting the credit card utilization in addition to the confirmed usage amount of the previous month in addition to the usage amount set in the credit card. A recording medium comprising a program for executing the method of any one of claims 1 to 3. Credit card usage setting means for setting a usage amount of the issued credit card according to a monthly payment amount limit paid to the specific amount payment target person upon issuing a predetermined credit card to a specific amount payment target person such as a welfare fund; And And information storage means for processing the set credit card utilization information in association with the issued credit card information and storing and registering in a predetermined storage medium.

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