KR20080087915A - System and method for operating account and program recording medium - Google Patents

Abstract

A system and a method for operating an account, and a program recording medium thereof are provided to enable a children to control payment using a mobile payment tool linked with a virtual account by establishing the virtual accounts with each children name based on a parent account of a parent name, linking the virtual account with the mobile payment tool of each children, and enabling the parent to manage the virtual accounts through TV-banking. An account operator generates more than one virtual account using a parent account as a key account and assigns the virtual accounts to each family member. An information receiver receives key account manager authentication information from a customer TV banking terminal. An information checker(715) and an information extractor(725) check over the key account based on the received key account manager authentication information, and check/extract more than one virtual account information matched with the checked key account. An information transmitter(710) provides the extracted virtual account information to the TV banking terminal. The account operator sets and registers each virtual account as a mobile payment account of each family member.

Description

System and Method for Operating Account and Program Recording Medium}

1 is a diagram illustrating a virtual account opening system for family account operation using TV banking according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger for family account management using TV banking according to an embodiment of the present invention.

3 is a diagram illustrating a virtual account opening process for operating a family account using TV banking according to an embodiment of the present invention.

4 is a diagram illustrating a virtual account opening system for operating a family account using TV banking according to another exemplary embodiment of the present invention.

5 is a view showing the configuration of a virtual account ledger for family account management using TV banking according to another embodiment of the present invention.

6 is a diagram illustrating a virtual account opening process for operating a family account using TV banking according to another embodiment of the present invention.

7 is a diagram illustrating a configuration of a family account management system using TV banking according to an embodiment of the present invention.

8A and 8B illustrate a payment process using a wireless payment means associated with a virtual account of a child (or family member) according to an embodiment of the present invention.

9 is a diagram illustrating a process of inquiring a payment processing history using a wireless payment means associated with a virtual account of a child (or family member) in a TV banking system according to an embodiment of the present invention.

10 is a diagram illustrating a process of setting a spending limit of a wireless payment means associated with a virtual account of a child (or family member) in a TV banking system according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of setting an expenditure approval form of a wireless payment means associated with a virtual account of a child (or family member) in a TV banking system according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

700: TV banking server 705: information receiving unit

710: information transmission unit 715: information confirmation unit

720: authentication unit 725: information extraction unit

730: information storage unit 740: wireless payment server

745: information confirmation unit 750: information transmission unit

760: information receiving unit 755: payment processing unit

765: wireless terminal 775: TV banking terminal

The present invention provides a method of generating a virtual account using a representative account as a parent account in a predetermined account management means, assigning the generated virtual account to a family member, and using a customer TV (or a predetermined information receiving means). Receiving representative account manager authentication information (or identification information) from the set-top box connected to the TV; and based on the received representative account manager authentication information (or identification information) in the predetermined information checking and extracting means, Identifying a representative account, identifying and extracting one or more virtual account information corresponding to the identified representative account, and the extracted one or more virtual accounts in connection with the TV (or set-top box connected to the TV) in the account operation means; Provide account information to the TV (or set-top box connected to the TV), or set a spending limit per one or more virtual accounts. And it relates to the account management method comprising the step of treating the expenditure approval.

As financial services and / or additional services through wireless terminals, such as mobile communication terminals, are diversified, the desire to use the wireless terminal as an electronic payment means has been generated in various fields.

In addition, with the spread of digital TV or IPTV capable of bidirectional communication, it is expected that there will be a desire to use the digital TV or IPTV capable of bidirectional communication as an electronic payment means in the future.

On the other hand, in general, the consumer of the home is the parent, the rest of the children are children (or family members), the parents will mainly use the digital TV or IPTV capable of two-way communication as an electronic payment means, Or family member) will primarily use the wireless terminal as an electronic payment method.

In this case, since the parent is also a production agent of the home, in order to achieve a healthy family boundary life, it is preferable that the parent, who is the production agent, controls the consumption pattern of the child (or family member) who is a dependent consumer.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to create one or more virtual accounts using a representative account as a parent account, assign the generated virtual account to family members, and represent from a customer TV (or set-top box connected to the TV). Receive account manager authentication information (or identification information), verify the representative account based on the received representative account manager authentication information (or identification information), and at least one virtual account corresponding to the confirmed representative account. Identify and extract information, and provide the extracted one or more virtual account information to the TV (or set-top box connected to the TV) in association with the TV (or set-top box connected to the TV) or per one or more virtual accounts. The present invention provides an account management method and system for setting spending limits and processing approvals.

The account management system according to the present invention comprises an account management means for generating one or more virtual accounts using a representative account as a parent account and allocating the generated virtual accounts to family members, and from a customer TV (or set-top box connected to the TV). On the basis of the information receiving means for receiving the representative account manager authentication information (or the identification information) and the received representative account manager authentication information (or the identification information), the representative account is checked and the confirmed representative account is received. Information checking and extracting means for identifying and extracting corresponding one or more virtual account information, and information providing means for providing the extracted one or more virtual account information to the TV (or set-top box connected to the TV). do.

According to the present invention, the account management means, in connection with the TV (or set-top box connected to the TV), characterized in that it sets the spending limit per one or more virtual accounts and processes the expenditure approval.

According to the present invention, the account management means, when assigning the generated virtual account to a family member, characterized in that for setting and registering the assigned virtual account as a mobile-based payment account. .

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described account management system configuration means function.

On the other hand, the account management method according to the present invention, generating at least one virtual account using a representative account as a parent account in a predetermined account management means, assigning the generated virtual account to family members, and predetermined information receiving means Receiving representative account manager authentication information (or identification information) from a customer TV (or set-top box connected to the TV), and receiving the representative account manager authentication information (or identification information) from the predetermined information checking and extracting means. Confirming the representative account, identifying and extracting one or more virtual account information corresponding to the identified representative account, and in connection with the TV (or set-top box connected to the TV) in the account management means. Provide the extracted one or more virtual account information to the TV (or set-top box connected to the TV), or per one or more virtual accounts And setting an expenditure limit and processing the expenditure approval.

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.

1 is a diagram illustrating a virtual account opening system for family account operation using TV banking according to an exemplary embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined parent (or representative) requests to open a virtual account for operating a family account using TV banking through a face-to-face virtual account opening interface, a predetermined account is established in the virtual account opening system according to the present invention. A system for setting up a virtual account having a parent account (or representative account) opened in the name of a parent (or representative) of a parent account. Specifically, a financial institution window in which the parent (or representative) opens the virtual account. When a visit is made to a predetermined virtual account opening application form and is submitted to the teller, the teller provides the predetermined virtual account opening application information corresponding to the virtual account opening application through the predetermined teller terminal 130. In the virtual account opening system according to the present invention, the virtual account opening application information to the child (or family member) It will be conducted on how to open a virtual account for the family account management using the TV-based banking.

One of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for configuring a virtual account opening system for family account operation using TV banking. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the child (or family) corresponding to the virtual account opening target based on the virtual account opening application information provided from the parent (or representative) through a predetermined virtual account opening interface on the virtual account opening system shown in FIG. 1. At least one means for opening a predetermined virtual account of a member) and / or a component corresponding to a functional configuration is referred to as " virtual account opening server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a virtual account for operating a family account using the TV banking includes a teller terminal 130 used by a teller provided with at least one financial institution. The counter terminal 130 is connected to the communication channel and the virtual account opening server 100 provided on the virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the parent (or representative) visits the financial institution to manage the family account using the TV banking and through the window provided at the financial institution (or through a teller). Prepare a virtual account opening application (e.g., a document with a form for filling in at least one information item for operating a family account using TV banking) for a family account operation using banking (or Visit the parent (or representative) to have the parent (or representative) fill out a predetermined virtual account opening application for operating a family account using the TV banking) and submit the completed virtual account opening application to the counter staff Then, the clerk tells the information written in the virtual account opening application through a predetermined counter terminal 130. In addition, the window terminal 130 transmits the input (or selected) information to the virtual account opening server 100 provided on the virtual account opening system through the financial network. .

Here, the teller terminal 130 preferably comprises a terminal used by the teller staff provided in the financial institution, the virtual account opening server 100 connected to the teller terminal 130, the virtual account is opened. It is preferable that the ledger server provided on the financial system is formed, and the financial network connecting the window terminal 130 and the virtual account opening server 100 is the window terminal 130 and the virtual account opening server ( 100) preferably comprises a network for connecting the communication channel between.

In the virtual account opening system as described above, a virtual account opening application made by the parent (or representative), a window terminal 130 used by the window staff, the window terminal 130 and the virtual account opening server 100 The parent network (or a representative) performs a function of a virtual account opening interface for registering the virtual account opening application information for the parent (or representative) to operate the family account using the TV banking.

A financial institution that opens a virtual account for operating a family account using the TV banking to a predetermined child (or a family member) at the request of the parent (or representative) may provide at least one financial transaction to at least one financial transaction customer. For example, it is characterized by having a predetermined financial system for providing services such as credit, receiving, foreign exchange, financial investment, etc.).

The financial system provided in the financial institution is connected to at least one or more window terminals 130 provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And provide a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal 130, wherein the financial transaction service manages a family account using the TV banking through opening and operating the virtual account. It is desirable to include financial transaction services.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service uses the TV banking through opening and operating the virtual account. It is desirable to include financial transaction services for family account management.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with access and browsing functions, and the financial transaction service is provided through the virtual account. It is desirable to include financial transaction services for family account management using banking.

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 family account operation using the TV banking through opening and operating the virtual account. It is also desirable to achieve room.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and the financial transaction service is preferably formed by including a financial transaction service for family account operation using the TV banking through the opening and operation of the 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 a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service is for operating a family account using the TV banking through opening and operating the virtual account. It is desirable to include financial transaction services.

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

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

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

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

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

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

The virtual account opening server 100 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side component connected to the window terminal 130 through a predetermined financial network, and at least one 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 an embodiment of the present invention, the virtual account opening server 100 is provided with an interface unit 105 that provides a predetermined virtual account opening interface to the window terminal 130 through the financial network. do.

According to an embodiment of the present invention, when the window terminal 130 is a window terminal 130 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 130, and provides a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the virtual account opening program provided in the window terminal 130 It is preferable.

Referring to FIG. 1, the virtual account opening server 100 is connected to the interface unit 105 when a predetermined terminal 130 is connected to the virtual account opening server 100 through the interface unit 105. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the window terminal 130 to provide the window terminal 130 to the counter terminal 130 ( 110 and an information receiving unit 115 for receiving predetermined virtual account opening application information transmitted from the counter terminal 130 through the user interface in connection with the interface unit 105. An information generator 120 for generating predetermined virtual account ledger information corresponding to the virtual account to be opened to the customer based on the received virtual account opening application information; and a ledger D / on the financial system. And an information generator 120 for storing the generated virtual account ledger information in connection with the account ledger of the financial account corresponding to the parent account (or the representative account) associated with the virtual account. do.

The interface providing unit 110 corresponds to a functional configuration provided in the window terminal 130 when a predetermined window terminal 130 is connected to the virtual account opening server 100 through the interface unit 105. Create a predetermined user interface that can input (or select) the virtual account opening application information and transmit it to the virtual account opening server 100 through the financial network, and / or extract from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 105 may be provided to the window terminal 130 through the financial network.

Thereafter, the counter terminal 130 inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selected) virtual account opening application information through the financial network to the virtual account. Send to the establishment server (100).

According to an embodiment of the present invention, when the window terminal 130 is a window terminal 130 connected to a predetermined financial network, the interface providing unit 110 opens a virtual account provided in the window terminal 130. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the window terminal 130 through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined application information for opening a virtual account through the user interface in the window terminal 130 and transmits it through the financial network. The virtual account establishment request information is received, and the received virtual account establishment application information is provided to the information generation unit 120.

According to an embodiment of the present invention, the virtual account opening application information is parent (or representative) authentication information, parent account (or representative account) information and at least one child (or family member) payment means to be associated with the virtual account It is preferable to include information.

Here, the parent (or representative) authentication information, the parent (or representative) at least one of the parent account (or representative account) and / or the parent account (or representative account) as a parent account through a predetermined TV banking It is preferable to include authentication information (or identification information) for authenticating access to the above virtual account.

The parent account (or representative account) information may include account number and / or account holder information corresponding to the financial account (or real account) opened in the financial system under the name of the parent (or representative). desirable.

In addition, at least one child (or family member) payment means information to be associated with the virtual account, using the amount of the child (or family member) whose parent account (or representative account) is the mother account deposited in the virtual account As payment method information for processing at least one payment, the child (or family member) payment method is an online account payment method associated with a predetermined web server according to the payment method type, and / or a prepaid card. And at least one payment means, and / or check card payment means, and / or debit card payment means, and / or credit card payment means, and according to the payment means medium, MS (Magnetic Stripe) card payment means, IC (Integrated Circuit) It is preferable to include at least one card payment means, wireless payment means, server-type payment means.

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

In this case, the validity of the virtual account opening is checked whether a financial account corresponding to the parent account (or representative 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 that it consists of including.

The information generating unit 120 is predetermined virtual account ledger information to be provided in the virtual account opened in the name of the child (or family member) based on the virtual account opening application information received through the information receiving unit 115. The virtual account ledger information may include parent account information associated with the virtual account, child (or family member) payment means information, spending limit information and payment approval form information using the payment means, and the like. It is preferable to include at least one ledger information.

Those skilled in the art will be familiar with at least one ledger information to be included in the virtual account ledger in addition to the ledger information, detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the virtual account is generated by the information generating unit 120, the information generating unit 120 includes the parent account provided in the ledger D / B provided on the financial system. And a predetermined virtual account ledger associated with the account ledger corresponding to the representative account) and storing the generated virtual account ledger information in the virtual account ledger.

In addition, the information generation unit 120 includes the parent (included in the virtual account opening application information in the account ledger corresponding to the parent account (or representative account) provided in the ledger D / B provided on the financial system ( Or representative) characterized in that it further comprises storing the authentication information.

2 is a view showing the configuration of a virtual account ledger for family account operation using TV banking according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates an account corresponding to a parent account (or representative account) provided in the ledger D / B on the financial system for family account operation using the TV banking in the virtual account opening system shown in FIG. As the configuration of the virtual account ledger to be processed in connection with the ledger, those skilled in the art to which the present invention pertains, the virtual account ledger for the family account operation using TV banking by referring to and / or modified in the Figure 2 Various implementation methods for the configuration may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, a virtual account ledger corresponding to a virtual account opened in the name of the child (or a family member) for operating a family account using the TV banking is an account corresponding to the parent account (or representative account). The ledger D / B on the financial system is processed in connection with the ledger, and the account ledger corresponding to the parent account (or the representative account) is linked to the predetermined customer ledger corresponding to the parent (or the representative). Characterized in that it is processed.

In this drawing 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the parent (or representative), and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, type of business, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

According to an embodiment of the present invention, the customer ledger preferably further stores the parent (or representative) authentication information.

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

In addition, in Figure 2, the account ledger corresponding to the parent account (or representative account) is associated with the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes account ledger information, which includes at least one of the system account, whether the consolidation is linked, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic received information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, par value, pension date, and stock corresponding to the ledger. Trust reception information including at least one number, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

According to an embodiment of the present invention, when the parent (or representative) authentication information is not provided in the customer ledger, the parent (or representative) authentication information is further added to the account ledger corresponding to the parent account (or the representative account). It is desirable to include and store.

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 parent account (or representative account), and the virtual account ledger information is associated with the parent account information associated with the virtual account. It is preferable to include at least one ledger information, the child (or family member) payment means information, the spending limit information and spending approval form information using the payment means.

According to an embodiment of the present invention, the virtual account ledger information may include at least a mother account number and child (or family member) payment means information associated with the virtual account, an expenditure limit information and an expenditure approval type information, etc. using the payment means. In addition to one or more, and similar to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account status, virtual account type, virtual account rate, virtual account password, virtual account deposit, bank account balance, bank account Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It includes at least one ledger information such as individual interest rate reference and the final interest calculation date, wherein the virtual account deposit is An amount equal to the group of the virtual account balance, the actual balance of the virtual account are preferably deposited in the parent account (or the representative account).

Those skilled in the art will be familiar with at least one ledger information to be included in the virtual account ledger in addition to the ledger information, detailed description thereof will be omitted for convenience.

3 is a diagram illustrating a virtual account opening process for operating a family account using TV banking according to an embodiment of the present invention.

In more detail, in FIG. 3, in the virtual account opening system shown in FIG. 1, a predetermined customer has a predetermined virtual account opening interface (eg, a virtual account opening application form, a window terminal 130, and a financial network). When the predetermined account opening application information is transmitted to the virtual account opening server 100 to the opening server 100, the virtual account opening server 100 opens a predetermined virtual account based on the virtual account opening application information. As for the process, one of ordinary skill in the art to which the present invention pertains, various analogous methods of opening the virtual account for the family account operation using TV banking by referring to and / or modifying the present Figure 3 It should be noted that the present invention encompasses all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the window terminal 130 shown in FIG. 1 is referred to as a "terminal" for convenience, and the virtual account opening server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, a parent (or representative) who wishes to open a virtual account to the child (or a family member) to operate a family account using the TV banking prepares a predetermined virtual account opening application form, and the created virtual account When submitting an application for opening, the terminal provides the virtual account opening application information included in the virtual account opening application to the server through the virtual account opening interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application that the customer creates and a teller terminal 130 used by the financial institution employee and a financial network connecting the teller terminal 130 and the server. Do.

According to an embodiment of the present invention, the virtual account opening application information is parent (or representative) authentication information, parent account (or representative account) information and at least one child (or family member) payment means to be associated with the virtual account It is preferable to include information.

Here, the parent (or representative) authentication information, the parent (or representative) at least one of the parent account (or representative account) and / or the parent account (or representative account) as a parent account through a predetermined TV banking It is preferable to include authentication information (or identification information) for authenticating access to the above virtual account.

In addition, the parent account (or representative account) information, including the account number and / or account holder information corresponding to the financial account (or real account) opened in the financial system in the name of the parent (or representative). desirable.

In addition, at least one child (or family member) payment means information to be associated with the virtual account, using the amount of the child (or family member) whose parent account (or representative account) is the mother account deposited in the virtual account As payment method information for processing at least one payment, the child (or family member) payment method is an online account payment method associated with a predetermined web server according to the payment method type, and / or a prepaid card. And at least one payment means, and / or check card payment means, and / or debit card payment means, and / or credit card payment means, and according to the payment means medium, MS (Magnetic Stripe) card payment means, IC (Integrated Circuit) It is preferable to include at least one card payment means, wireless payment means, server-type payment means.

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, thereby opening the virtual account to the child (or a family member). Validation is checked (305).

Here, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the parent account (or representative account) information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include what is included.

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

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

Here, the virtual account ledger information may include at least one ledger information including mother account information associated with the virtual account, child (or family member) payment means information, spending limit information and payment approval type information using the payment means, and the like. It is preferable to comprise.

Those skilled in the art will be familiar with at least one ledger information to be included in the virtual account ledger in addition to the ledger information, detailed description thereof will be omitted for convenience.

Thereafter, the server corresponds to an account corresponding to a parent account (or representative account) to be associated with a virtual account to be opened to the child (or family member) among at least one account ledger provided on the ledger D / B on the financial system. Check the ledger (325).

If the account ledger corresponding to the parent account (or representative account) to be associated with the virtual account to be opened to the child (or family member) is identified (330), the server is provided on the ledger D / B on the financial system Create a virtual account ledger of the name of the child (or family member) that is linked to the account ledger corresponding to the parent account (or representative account) (335), and the parent account (in the ledger D / B on the financial system) Alternatively, the generated virtual account ledger information is stored in the virtual account ledger generated in association with the account ledger corresponding to the representative account (340).

4 is a diagram illustrating a virtual account opening system for family account operation using TV banking according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates that a predetermined parent (or representative) requests opening of a virtual account for family account operation using TV banking through a virtual account opening interface including at least one non-face-to-face financial transaction channel. In the virtual account opening system according to the system configuration for opening a virtual account with a parent account (or representative account) opened in the name of a predetermined parent (or representative) as a parent account, specifically, the parent (or representative) is non- When the predetermined virtual account opening application information is provided using the virtual account opening interface according to the present invention through a predetermined customer terminal 430 corresponding to the face-to-face financial transaction channel, the virtual account opening system according to the present invention. Family account using the TV banking of the child (or family member) name based on the application information It is about how to open a virtual account for operation.

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 configuring a virtual account opening system for family account operation using TV banking. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, the child (or family) corresponding to the virtual account opening target based on the virtual account opening application information provided from the parent (or representative) through a predetermined virtual account opening interface on the virtual account opening system shown in FIG. 4. A member corresponding to at least one or more means and / or functional configurations of opening a predetermined virtual account to a member is referred to as " virtual account opening server 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, in the virtual account opening system for family account operation using the TV banking, the virtual account opening system supports a non-face-to-face virtual account opening. And a customer terminal 430 that the parent (or representative) inputs (or selects) predetermined virtual account opening application information and transmits it to the virtual account opening server 400, wherein the customer terminal 430 The communication channel is connected to the virtual account opening server 400 provided on the virtual account opening system through a predetermined network means.

According to an embodiment of the present invention, when the virtual account opening system supports the creation of a non-face-to-face virtual account, the parent (or representative) is a wired terminal 435 connected to a predetermined wired network and / or a predetermined Access the virtual account opening server 400 through at least one or more client terminals of the mobile terminal 440 connected to a wireless communication network, and the TV banking through at least one user interface provided by the virtual account opening server 400. When inputting (or selecting) the virtual account opening application information for the family account operation using the, it is to transmit from the client terminal to the virtual account opening server 400 provided on the virtual account opening system through a predetermined network means desirable.

Here, the wired terminal 435 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 connected to the TCP / IP based communication network; / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the mobile terminal 440 connected to the wireless network may include all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a mobile Internet based on IEEE 802.16x, and / or Motorola. Generic term for all terminal devices connected to the company's DataTAC and / or Erricson's Mobitex-based wireless data communication networks, and includes a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) connected to the CDMA-based mobile communication network. Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based non- It comprises a wireless data communication terminal connected to a data network, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the virtual account opening server 400, and inputs and / or selects at least one or more information through the user interface to open the virtual account opening server 400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the virtual account opening server 400, etc.) is provided.

Those skilled in the art will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wired terminal 435 and / or Ms terminal 440, Detailed description is omitted for convenience.

In the virtual account opening system as described above, a client terminal including at least one wired terminal 435 and / or a membranous terminal 440 used by the parent (or representative), and the client terminal and the virtual account opening. At least one wired network and / or wireless network connecting the server 400 has a function of a virtual account opening interface for the parent (or representative) to register virtual account opening application information for the family account operation using the TV banking. Perform

According to another exemplary embodiment of the present invention, when the virtual account opening system supports a non-face-to-face virtual account opening, the client terminal 430 may have a predetermined financial network (eg, a financial common network) in addition to the client terminal. And a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD), and / or a public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a telephone network (PSTN), a voice over IP (VoIP) network, and / or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. It further comprises a call terminal (not shown) of, and / or further includes a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. In addition, the present invention is not limited thereto.

In the case of supporting a non-face-to-face virtual account opening as described above, when the customer terminal 430 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the virtual account opening server 400 to a function of a virtual account opening interface for registering the virtual account opening application information for the parent (or representative) to operate a family account using the TV banking. And / or when the customer terminal 430 is the call terminal (not shown), connecting the call terminal (not shown) and the call terminal (not shown) with the virtual account opening server 400. A wired telephone network and / or a wireless telephone network is a virtual account opening interface for the parent (or a representative) to register virtual account opening application information for operating a family account using the TV banking. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the customer terminal 430, and / or the terminal (and / or server) ( The network connecting the terminal (and / or server) (not shown) and the virtual account opening server 400 to the parent (or representative) opens a virtual account for the family account operation using the TV banking. Functions as a virtual account opening interface for registering application information.

A financial institution that opens a virtual account for operating a family account using the TV banking to a predetermined child (or a family member) at the request of the parent (or representative) may provide at least one financial transaction to at least one financial transaction customer. For example, it is characterized by having a predetermined financial system for providing services such as credit, receiving, foreign exchange, financial investment, etc.).

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 operating a family account using the TV banking through opening and operating the virtual account. It is preferable to achieve.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service uses the TV banking through opening and operating the virtual account. It is desirable to include financial transaction services for family account management.

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 Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with an internet connection and browsing function, and the financial transaction service may be configured to open and operate the virtual account. It is desirable to include financial transaction services for family account management using TV banking.

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 mobile terminal 440 (e.g., a personal communication system (PCS) having a connection and browsing function with the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) A financial transaction service for a family account operation using the TV banking service through opening and operating the virtual account. It is made no, including preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) And / or at least one mobile terminal 440 (e.g., mobile terminal 440 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). Provides IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer through the financial transaction service, and the financial transaction service includes a financial transaction service for family account operation using the TV banking through opening and operating the virtual account. It is preferable to achieve.

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 a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service is for operating a family account using the TV banking through opening and operating the virtual account. It is desirable to include financial transaction services.

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

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

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 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 virtual account opening server 400 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side components connected to the customer terminal 430 through a predetermined network means, and at least one of 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 virtual account opening server 400 is provided with an interface unit 405 for providing a predetermined virtual account opening interface to the customer terminal 430 through the network means. do.

According to an embodiment of the present invention, when the customer terminal 430 is a client terminal including a wired terminal 435 and / or a wired terminal 440 connected to a predetermined wired network and / or a wireless network, the interface The unit 405 connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or wireless network, and uses at least a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving one or more information (or data).

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

Alternatively, when the client terminal is provided with a predetermined virtual account opening program provided by the virtual account opening server 400, the interface unit 405 establishes a communication channel with the client terminal based on the TCP / IP protocol. And 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 customer terminal 430 is a client terminal including a m-line terminal 440 connected to a predetermined wireless network, the interface unit 405 is a protocol defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal based on a stack, and 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. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

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

Referring to FIG. 4, the virtual account opening server 400 is connected with the interface unit 405 when a predetermined customer terminal 430 is connected to the virtual account opening server 400 through the interface unit 405. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the client terminal 430 to the client terminal 430. 410 and an information receiving unit 415 for receiving predetermined virtual account opening application information transmitted from the customer terminal 430 through the user interface in connection with the interface unit 405 and transmitted; An information generator 420 for generating predetermined virtual account ledger information corresponding to the virtual account to be opened to the customer based on the received virtual account opening application information; and a ledger D / on the financial system. And an information storage unit 425 for storing the generated virtual account ledger information in connection with the account ledger of the financial account corresponding to the parent account (or the representative account) associated with the virtual account. do.

The interface providing unit 410 corresponds to a functional configuration provided in the customer terminal 430 when a predetermined customer terminal 430 is connected to the virtual account opening server 400 through the interface unit 405. Generate a predetermined user interface capable of inputting (or selecting) the virtual account opening request information and transmitting it to the virtual account opening server 400 via the network means, and / or extracting from a predetermined database (not shown). In addition, the user interface 430 may be provided to the customer terminal 430 through the network means in connection with the interface unit 405.

Thereafter, the client terminal 430 inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selected) virtual account opening application information through the network means to the virtual account. Send to the establishment server (400).

According to an embodiment of the present invention, when the customer terminal 430 is a client terminal including a wired terminal 435 and / or a wired terminal 440 connected to a predetermined wired network and / or a wireless network, the interface The providing unit 410 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 or extracts the user through the interface unit 405. It is desirable to provide an interface to the client terminal.

According to another exemplary embodiment of the present invention, when the customer terminal 430 is a client terminal including a m-line terminal 440 connected to a predetermined wireless network, the interface providing unit 410 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined virtual account opening application information through the user interface in the customer terminal 430 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 an embodiment of the present invention, the virtual account opening application information is parent (or representative) authentication information, parent account (or representative account) information and at least one child (or family member) payment means to be associated with the virtual account It is preferable to include information.

Here, the parent (or representative) authentication information, the parent (or representative) at least one of the parent account (or representative account) and / or the parent account (or representative account) as a parent account through a predetermined TV banking It is preferable to include authentication information (or identification information) for authenticating access to the above virtual account.

In addition, the parent account (or representative account) information, including the account number and / or account holder information corresponding to the financial account (or real account) opened in the financial system in the name of the parent (or representative). desirable.

In addition, at least one child (or family member) payment means information to be associated with the virtual account, using the amount of the child (or family member) whose parent account (or representative account) is the mother account deposited in the virtual account As payment method information for processing at least one payment, the child (or family member) payment method is an online account payment method associated with a predetermined web server according to the payment method type, and / or a prepaid card. And at least one payment means, and / or check card payment means, and / or debit card payment means, and / or credit card payment means, and according to the payment means medium, MS (Magnetic Stripe) card payment means, IC (Integrated Circuit) It is preferable to include at least one card payment means, wireless payment means, server-type payment means.

According to an embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the parent account (or representative account) information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include what is included.

The information generating unit 420 is a predetermined virtual account ledger information to be provided in the virtual account opened in the name of the child (or family member) based on the virtual account opening application information received through the information receiving unit 415 Wherein the virtual account ledger information includes mother account information associated with the virtual account, child (or family member) payment means information, spending limit information and payment approval type information, etc. using the payment means. It is preferable to include at least one ledger information.

Those skilled in the art will be familiar with at least one ledger information to be included in the virtual account ledger in addition to the ledger information, detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the virtual account is generated by the information generation unit 420, the information storage unit 425 is the parent account provided in the ledger D / B provided on the financial system (or And a predetermined virtual account ledger associated with the account ledger corresponding to the representative account) and storing the generated virtual account ledger information in the virtual account ledger.

In addition, the information storage unit 425 is the parent included in the virtual account opening application information in the account ledger corresponding to the parent account (or representative account) provided in the ledger D / B provided on the financial system ( Or representative) characterized in that it further comprises storing the authentication information.

5 is a view showing the configuration of a virtual account ledger for family account operation using TV banking according to another embodiment of the present invention.

In more detail, Figure 5 is an account corresponding to the parent account (or representative account) provided in the ledger D / B on the financial system for the family account operation using the TV banking in the virtual account opening system shown in Figure 4 As the configuration of the virtual account ledger to be processed in connection with the ledger, those skilled in the art to which the present invention pertains, the virtual account ledger for family account operation using TV banking by referring to and / or modifying the drawing 5 Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, a virtual account ledger corresponding to a virtual account opened in the name of the child (or family member) for operating a family account using the TV banking may be an account ledger corresponding to the parent account (or representative account). And the ledger D / B on the financial system, wherein the ledger corresponding to the parent account (or the representative account) is linked to the predetermined customer ledger corresponding to the parent (or the representative). It is characterized by.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the parent (or representative), and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number , President, type of business, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

According to an embodiment of the present invention, the customer ledger preferably further stores the parent (or representative) authentication information.

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 FIG. 5, the account ledger corresponding to the parent account (or representative account) is linked to the customer ledger in a relational form, such as account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes account ledger information, which includes at least one of the system account, whether the consolidation is linked, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic received information including at least one of (months), period (days), period extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date and week corresponding to the ledger. Trust reception information including at least one number, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

According to an embodiment of the present invention, when the parent (or representative) authentication information is not provided in the customer ledger, the parent (or representative) authentication information is further added to the account ledger corresponding to the parent account (or the representative account). It is desirable to include and store.

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 parent account (or representative account), and the virtual account ledger information is associated with the parent account information associated with the virtual account. It is preferable to include at least one ledger information, the child (or family member) payment means information, the spending limit information and spending approval form information using the payment means.

According to an embodiment of the present invention, the virtual account ledger information may include at least a mother account number and child (or family member) payment means information associated with the virtual account, an expenditure limit information and an expenditure approval form information using the payment means, and the like. In addition to one or more, and similar to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account status, virtual account type, virtual account rate, virtual account password, virtual account deposit, bank account balance, bank account Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It includes at least one ledger information, such as individual interest rate reference and the final interest calculation date, where the virtual account deposit is As an amount corresponding to an existing virtual account balance, the actual balance of the virtual account is preferably deposited in the parent account (or representative account).

Those skilled in the art will be familiar with at least one ledger information to be included in the virtual account ledger in addition to the ledger information, detailed description thereof will be omitted for convenience.

6 is a diagram illustrating a virtual account opening process for operating a family account using TV banking according to another embodiment of the present invention.

In more detail, in FIG. 6, a predetermined customer includes at least one virtual account opening interface (eg, a wired terminal 435 and / or a wire terminal 440) in a virtual account opening system shown in FIG. 4. When a predetermined virtual account opening application information is transmitted to the virtual account opening server 400 to the virtual account opening server 400 through a client terminal and a network means), the virtual account opening server 400 receives the virtual account opening request information. As a process of opening a predetermined virtual account based on the application for opening information, a person having ordinary knowledge in the technical field to which the present invention pertains operates a family account using TV banking by referring to and / or modifying the present invention. In order to be able to infer various implementation methods for opening the virtual account for the present invention, the present invention includes all of the inferred implementation methods, this figure 6 It is not limited to the implementation method shown by.

Hereinafter, in FIG. 6, the customer terminal 430 illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the virtual account opening server 400 is referred to as a “server” for convenience.

Referring to FIG. 6, a parent (or a representative) who wants to open a virtual account to the child (or a family member) to operate a family account using the TV banking accesses the server through the network means using the terminal. In addition, the server requests a virtual account opening interface for opening the virtual account to the server (600), and correspondingly, the server extracts (or generates) a virtual account opening interface for opening the 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). .

Here, the virtual account opening interface is a predetermined terminal used by the parent (or representative), network means for connecting the terminal and the server, and the server inputs predetermined virtual account opening application information from the terminal. It is preferable to include a user interface for transmitting to.

According to an embodiment of the present invention, the virtual account opening application information is parent (or representative) authentication information, parent account (or representative account) information and at least one child (or family member) payment means to be associated with the virtual account It is preferable to include information.

Here, the parent (or representative) authentication information, the parent (or representative) at least one of the parent account (or representative account) and / or the parent account (or representative account) as a parent account through a predetermined TV banking It is preferable to include authentication information (or identification information) for authenticating access to the above virtual account.

In addition, the parent account (or representative account) information, including the account number and / or account holder information corresponding to the financial account (or real account) opened in the financial system in the name of the parent (or representative). desirable.

In addition, at least one child (or family member) payment means information to be associated with the virtual account, using the amount of the child (or family member) whose parent account (or representative account) is the mother account deposited in the virtual account As payment method information for processing at least one payment, the child (or family member) payment method is an online account payment method associated with a predetermined web server according to the payment method type, and / or a prepaid card. And at least one payment means, and / or check card payment means, and / or debit card payment means, and / or credit card payment means, and according to the payment means medium, MS (Magnetic Stripe) card payment means, IC (Integrated Circuit) It is preferable to include at least one card payment means, wireless payment means, server-type payment means.

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 virtual account can be opened to the customer (615). ).

Here, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the parent account (or representative account) information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include what is included.

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

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

Here, the virtual account ledger information may include at least one ledger information including mother account information associated with the virtual account, child (or family member) payment means information, spending limit information and payment approval type information using the payment means, and the like. It is preferable to comprise.

Those skilled in the art will be familiar with at least one ledger information to be included in the virtual account ledger in addition to the ledger information, detailed description thereof will be omitted for convenience.

Thereafter, the server corresponds to an account corresponding to a parent account (or representative account) to be associated with a virtual account to be opened to the child (or family member) among at least one account ledger provided on the ledger D / B on the financial system. The ledger is checked (635).

If the account ledger corresponding to the parent account (or representative account) to be associated with the virtual account to be opened to the child (or family member) is identified (640), the server is provided on the ledger D / B on the financial system Create a virtual account ledger of the name of the child (or family member) that is linked to the account ledger corresponding to the parent account (or representative account) (645), and the parent account ( Alternatively, the generated virtual account ledger information is stored in the virtual account ledger generated in association with the account ledger corresponding to the representative account (650).

7 is a diagram illustrating a configuration of a family account management system using TV banking according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates the parent account (or representative account) of the parent account (or representative account) on the financial system in which the financial account of the parent (or representative) is opened through the virtual account opening system shown in FIGS. 1 and / or 4. At least one virtual account is established, the virtual account ledger is provided with information on a child (or family member) payment means, spending limit information and payment approval form information using the payment means, and the parent (or When the parent (or representative) authentication information is provided in the customer ledger (and / or the account ledger corresponding to the parent account (or the representative account)) of the representative, the parent account (or the representative account) is predetermined TV banking. As a system configuration for managing and operating the virtual account through, specifically, the child (or family member) payment means associated with the virtual account has no predetermined In the case of a payment method, the parent account (or representative account) inquires the payment processing history of the wireless payment method of the child (or family member) associated with the virtual account through predetermined TV banking, or sets an expenditure limit. Or an implementation method of setting an expenditure approval form.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer various implementation methods for the family account management system configuration using the TV banking. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the family account management system using TV banking includes a TV banking terminal 775 equipped with a predetermined TV banking function and a predetermined parent from the TV banking terminal 775 through a predetermined communication network. Or representative) receiving authentication information and inquiring, and inquiring the payment processing history of the wireless payment method of the child (or family member) associated with the virtual account, or set an expenditure limit according to the authentication result. A financial system including a TV banking server 700 for setting an approval form, an account ledger corresponding to the parent account (or representative account), and at least one virtual account ledger having the parent account (or representative account) as a parent account. Characterized in that it comprises a, wireless settlement for performing at least one or more wireless payment process through the wireless payment means of the child (or family member) Provided by the server 740 is characterized in that formed.

The TV banking terminal 775 is provided with a predetermined payment program provided with a TV banking financial means in the form of a VM (IC card type) or with a predetermined browser program for TV banking using a predetermined communication network. It features.

Here, the communication network used by the TV banking terminal 775 may include at least one of a hybrid fiber coax (HFC) based communication network or an xDSL (or FTTH (Fiber To The Home)) based communication network.

Those skilled in the art to which the present invention pertains should be familiar with the technical features of the TV banking function including at least one predetermined home shopping payment processing, and / or transfer of funds and / or payment of utility bills. Therefore, detailed description thereof will be omitted for convenience.

The financial system is characterized by having an account ledger corresponding to the parent account (or representative account) and at least one virtual account ledger having the parent account (or representative account) as the parent account.

According to an embodiment of the present invention, the financial system is connected to at least one window terminal provided at a branch (and / or a branch) of the financial institution through a predetermined financial network (eg, a branch network). When the parent (or representative) authentication information is provided from the counter terminal, the payment processing history inquiry and / or spending limit setting for the child (or family member) payment method associated with the parent (or representative) authentication information and It is desirable to provide financial services, such as setting up spending authorization.

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) Characterized in that the connection through the payment terminal, if the parent (or representative) authentication information is provided through the financial terminal, the payment processing history for the child (or family member) payment means associated with the parent (or representative) authentication information It is desirable to provide financial services, such as setting up inquiry and / or spending limits and / or setting spending approval.

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 When the parent (or representative) authentication information is provided through a laptop and / or portable terminal equipped with a connection and browsing function, the child (or family member) payment means associated with the parent (or representative) authentication information. Provide financial services, such as viewing payment processing history and / or setting spending limits and / or setting payment authorizations. It is.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) 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) When the parent (or representative) authentication information is provided through a system for mobile terminal and / or a personal digital assistant (PDA) and / or a smart phone and / or telematics, the parent (or representative) authentication information is provided. Or representatives) View payment processing history and / or set spending limits and / or set up spending authorizations for children (or family members) payment methods associated with authentication information It is desirable to provide financial services such as.

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, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or the parent (or representative) via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. When the authentication information is provided, financial services such as inquiry of payment processing history and / or spending limit setting and / or payment approval type setting for a child (or family member) payment method associated with the parent (or representative) authentication information are provided. It is desirable to provide.

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 call 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 when the parent (or representative) authentication information is provided through a smartphone, etc., the payment processing history inquiry and / or for the child (or family member) payment means associated with the parent (or representative) authentication information. It is desirable to provide financial services, such as setting spending limits and / or setting spending approval.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server If the parent (or representative) authentication information is provided through), the payment processing history inquiry and / or spending limit setting for the child (or family member) payment method associated with the parent (or representative) authentication information and / or set a spending limit It is desirable to provide financial services, such as setting up spending authorization.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server If the parent (or representative) authentication information is provided through a terrestrial DMB terminal, etc., the payment processing history inquiry and / or expenditure for the child (or family member) payment method associated with the parent (or representative) authentication information It is desirable to provide financial services, such as setting limits and / or spending approval forms.

Referring to FIG. 7, 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 / Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that it is stored in association with.

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

Referring to FIG. 7 according to an embodiment of the present invention, the TV banking server 700 is a system for opening a virtual account shown in FIGS. 1 and / or 3 from the TV banking terminal 775 through a predetermined communication network. The information receiving unit 705 that receives the parent (or representative) authentication information and payment processing history inquiry request information for the wireless payment method corresponding to the child (or family member), and the parent (or representative) authentication information The authenticator 720 confirms the validity of the parent and the parent (or representative) at the time of validity authentication of the parent authentication information, confirms the parent account (or the representative account) in association with the financial system, and the parent account (or the representative account). Information confirmation unit 715 for identifying at least one virtual account having a parent account) and an image associated with the confirmed virtual account in response to the received payment processing history inquiry request information. An information extraction unit 725 for extracting at least one payment processing history corresponding to a wireless payment means for an existing child (or a family member), and the TV banking terminal 775 using the extracted payment processing history information through the communication network; It is characterized in that it comprises an information transmitting unit 710 to transmit.

Referring to FIG. 7 according to another exemplary embodiment of the present invention, the TV banking server 700 opens a virtual account shown in FIGS. 1 and / or 3 from the TV banking terminal 775 through a predetermined communication network. The information receiving unit 705 that receives the parent (or representative) authentication information registered through the system and the spending limit setting request information for the wireless payment method corresponding to the child (or family member), and the parent (or representative) authentication information. The authenticator 720 confirms the validity of the parent and the parent (or representative) at the time of validity authentication of the parent authentication information, confirms the parent account (or the representative account) in association with the financial system, and the parent account (or the representative account). Information confirmation unit 715 for identifying at least one virtual account having a parent account and wirelessly corresponding to the child (or family member) the received spending limit setting request information. The information storage unit 730 is stored (or updated) in the virtual account ledger associated with the payment means, and the predetermined spending limit setting information corresponding to the spending limit setting is transmitted to the TV banking terminal 775 through the communication network. It is characterized by comprising an information transmission unit 710 to.

Referring to FIG. 7 according to another exemplary embodiment of the present invention, the TV banking server 700 may be a virtual account shown in FIGS. 1 and / or 3 from the TV banking terminal 775 through a predetermined communication network. Information receiving unit 705 that receives the parent (or representative) authentication information registered through the establishment system and the expenditure approval form setting request information for the wireless payment means corresponding to the child (or family member), and the parent (or representative) authentication The authentication unit 720 for checking the validity of the information, and when the validity of the parent (or representative) authentication information, the parent account (or representative account) is confirmed in association with the financial system, and the parent account (or An information checking unit 715 for identifying at least one virtual account having a parent account as the parent account, and the received payment approval form setting request information corresponding to the child (or a family member); The information storage unit 730 stores (or updates) in the virtual account ledger associated with the wireless payment means, and the TV banking terminal 775 via the communication network, the expenditure approval type setting information corresponding to the spending limit setting. It is characterized in that it comprises an information transmitting unit 710 to transmit.

Here, the expenditure approval form setting request information, when the child (or a family member) to pay more than a certain reference amount through a wireless payment means associated with the virtual account, after the approval of the parent (or representative), the payment is It is desirable to include information requesting approval processing.

Alternatively, the spending approval form setting request information may prevent the child (or family member) from paying at a specific affiliate store (or web server) through a wireless payment method associated with the virtual account, or at a specific affiliate store (or web). In the server), the payment is preferably made after the approval of the parent (or representative), including the information requesting that the payment is approved.

According to an embodiment of the present invention, the TV banking server 700 transfers a predetermined amount of money deposited in the parent account (or representative account) to the virtual account in connection with the TV banking terminal 775. It is possible to further comprise a configuration, whereby the present invention is not limited.

Referring to FIG. 7, the wireless payment server 740 provides predetermined wireless payment means information from the wireless terminal 765 (or the wireless terminal 765) of the child (or family member) provided with the wireless payment means. An information receiver 760 for receiving the wireless payment means information, the merchant information and the payment amount information for payment processing using the wireless payment means from the received payment terminal 770, and the wireless payment in connection with the financial system; By reading the means information, confirming that the wireless payment means information is linked with the virtual account opened by using the parent account (or representative account) as the parent account through the virtual account opening system shown in FIGS. 1 and / or 4. If the wireless payment means is linked with the virtual account, the payment limit information included in the virtual account is compared with the payment amount. Information for confirming the payment approval condition based on a payment limit type, and / or comparing the payment approval type information included in the virtual account with the merchant information and / or payment amount information to confirm the payment approval type based payment approval condition; It is characterized by comprising a confirmation unit 745.

In addition, when the wireless payment server 740 is confirmed by the information confirming unit 745 that the payment limit-based payment approval conditions and / or payment approval type-based payment approval conditions for the wireless payment means information is satisfied, A payment processing unit 755 for processing the payment amount through the wireless payment means information (or a virtual account associated with the wireless payment means information), and the wireless payment means having a payment processing history corresponding to the payment processing; And an information transmitter 750 for transmitting to the wireless terminal 765 of the child (or family member) (or the payment terminal 770 which received the predetermined wireless payment means information from the wireless terminal 765). It is characterized by.

Here, the payment processing history information may include a payment approval history or a payment error history.

If the payment approval details are included in the payment processing history information, the payment processing unit 755 stores the payment processing history information in the transaction history information of the virtual account ledger associated with the wireless payment means information. do.

8A and 8B illustrate a payment process using a wireless payment method associated with a virtual account of a child (or family member) according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate the parent account (or representative account) on the financial system in which the financial account of the parent (or representative) is opened through the virtual account opening system shown in FIGS. 1 and / or 4. At least one virtual account having a parent account is established, the virtual account ledger is provided with wireless payment means information for the child (or family member), spending limit information and payment approval form information using the payment means, etc. In this case, the wireless payment means of the child (or a family member) is a process of processing the payment in response to the spending limit information and payment approval form information, if the person having ordinary knowledge in the technical field to which the present invention belongs 8a and 8b, and / or modified to use a wireless payment means associated with the virtual account of the child (or family member). Would be able to infer a variety of exemplary methods for the settlement process, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 8a and figure 8b.

8A and 8B, at least one virtual account having the parent account (or the representative account) as a parent account is opened through the virtual account opening system illustrated in FIGS. 1 and / or 4. After the ledger is provided with wireless payment means information for the child (or family member), spending limit information and payment approval type information using the payment means (or the TV banking server 700 shown in FIG. 7) After the expenditure limit information and expenditure approval type information using the payment means are set), the wireless payment server 740 is provided with the wireless payment means through a predetermined communication network for payment processing using the wireless payment means. The payment means information and the affiliated store information from the wireless terminal 765 (or the payment terminal 770 which has received the predetermined wireless payment means information from the wireless terminal 765). Receiving payment information (800).

Thereafter, the wireless payment server 740 reads the received wireless payment means information so that the wireless payment means is the parent account (or representative account) through the virtual account opening system shown in FIGS. 1 and / or 4. Using the parent account to determine whether the wireless payment means associated with the opened virtual account (805).

If the wireless payment means is not a payment means associated with the virtual account (810), the wireless payment server 740 performs a procedure for processing the payment amount through the wireless payment means according to a conventional wireless payment procedure. (815).

On the other hand, if the wireless payment means is a payment means associated with the virtual account (810), the wireless payment server 740 from the virtual account ledger associated with the wireless payment means in connection with the financial system equipped with the virtual account ledger By extracting predetermined spending limit information (820) and comparing the spending limit with the payment amount, it is checked whether the payment limit based payment approval condition is satisfied (825).

If the payment limit-based payment approval condition is not satisfied (830), the wireless payment server 740 generates predetermined payment limit error information and transmits the wireless payment means information to the wireless terminal 765 (or the In operation 835, the wireless terminal 765 transmits the predetermined wireless payment means information to the payment terminal 770.

According to another exemplary embodiment of the present invention, the wireless payment server 740 transmits the spending limit error information to the wireless terminal 765 of the parent (or representative), thereby modifying the spending limit or temporarily It is possible to request a parent (or representative) approval so that the payment amount is not controlled by the spending limit, and the present invention is not limited thereto.

On the other hand, if the payment limit-based payment approval conditions are satisfied (830), the wireless payment server 740 is a predetermined form of payment approval from the virtual account ledger associated with the wireless payment means in connection with the financial system equipped with the virtual account ledger. By extracting the information (820) and comparing the spending approval form information with the affiliated store information and / or the payment amount, it is checked whether the payment approval form based payment approval condition is satisfied (845).

If the payment approval type-based payment approval condition is not satisfied (850), the wireless payment server 740 generates predetermined payment approval type error information and transmits the wireless payment means information to the wireless terminal 765. (Or 855, the payment terminal 770 receives the predetermined wireless payment means information from the wireless terminal 765).

According to another exemplary embodiment of the present invention, the wireless payment server 740 modifies the spending approval type information by transmitting the spending approval type error information to the wireless terminal 765 of the parent (or representative), or It is possible to request parent (or representative) approval so that the payment amount is processed at the affiliated store without being controlled by the expenditure approval type information temporarily, and thus the present invention is not limited thereto.

If the payment approval type-based payment approval condition is satisfied (850), the wireless payment server 740 processes the payment amount through the wireless payment means (or a virtual account associated with the wireless payment means) ( 860).

As those skilled in the art to which the present invention pertains knows the technical features of processing the payment amount through the wireless payment means (or virtual account associated with the wireless payment means), Detailed description thereof will be omitted for convenience.

If the payment processing is completed (865), the wireless payment server 740, the server generates payment processing history information corresponding to the payment processing using the wireless payment means (870), the generated payment processing history The information is transmitted to the wireless terminal 765 (or the payment terminal 770 which has received the predetermined wireless payment information) from the wireless terminal 765 that has transmitted the wireless payment means information (875).

The payment processing history information may include a predetermined payment approval history or a payment error history.

Thereafter, the wireless payment server 740 checks whether a predetermined payment approval history is included in the generated payment processing details (880).

If a predetermined payment approval history is included in the payment processing details (885), the wireless payment server 740 stores the payment processing details information in the virtual account ledger in association with the financial system (890).

9 is a diagram illustrating a process of inquiring a payment processing history using a wireless payment means associated with a virtual account of a child (or family member) in a TV banking system according to an embodiment of the present invention.

In more detail, Figure 9 is opened through the virtual account opening system shown in Figures 1 and / or Figure 4 after payment using the wireless payment means through the payment process shown in Figures 8a and 8b. When stored in the virtual account ledger, the process for inquiring the payment processing history corresponding to the wireless payment means in the TV banking terminal 775 on the TV banking system, having a general knowledge in the technical field to which the present invention belongs If you grow up, you can infer various implementation methods for the process of inquiring the payment processing history using the wireless payment means associated with the virtual account of the child (or family member) in the TV banking system by referring to and / or modifying the present invention. It should be understood that the present invention includes all implementation methods inferred from the above, and the technical features of the present invention are limited to only the implementation method illustrated in FIG. Shall not.

Hereinafter, in FIG. 9, the TV banking server 700 shown in FIG. 7 is referred to as a "server" for convenience.

Referring to FIG. 9, after the payment is made using the wireless payment means through the payment settlement process shown in FIGS. 8a and 8b, the wireless payment means is stored in a virtual account ledger having the parent account (or representative account) as the parent account. After the payment processing history corresponding to the information is stored, the TV banking terminal 775 accesses the server through a predetermined communication network (900).

Here, the communication network used by the TV banking terminal 775 may include at least one or more hybrid fiber coax (HFC) based communication networks or xDSL (or FTTH (Fiber To The Home)) based communication networks.

Thereafter, the TV banking terminal 775 transmits payment processing history request information and parent (or representative) authentication information registered through the virtual account opening system shown in FIGS. 1 and / or 4 to the server through the communication network. In operation 905, the server verifies validity of the parent (or representative) authentication information (910).

According to an embodiment of the present invention, the validation of the parent (or representative) authentication information, the parent (or representative) authentication information received from the TV banking terminal 775 is shown in Figure 1 and / or Figure 4 It is preferable to include a check whether matching with the registered parent (or representative) authentication information through the established virtual account opening system.

If the validity of the parent (or representative) authentication information is not authenticated (915), the server generates predetermined parent (or representative) authentication error information and transmits it to the TV banking terminal 775 through the communication network. (920).

On the other hand, if the validity of the parent (or representative) authentication information is authenticated (915), the server checks at least one or more virtual accounts that the parent account (or representative account) as the parent account (925), the confirmed Extracting at least one or more payment processing history information stored through at least one virtual account ledger through the process illustrated in FIGS. 8A and 8B (930), and the payment processing history information is stored in the TV banking terminal (775). It is processed into a structure that can be transmitted to the output (935).

Thereafter, the server transmits and outputs the extracted payment processing history information to the TV banking terminal 775 through the communication network (940).

10 is a diagram illustrating a process of setting a spending limit of a wireless payment means associated with a virtual account of a child (or family member) in a TV banking system according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a system for opening a virtual account shown in FIGS. 1 and / or 4 in connection with the TV banking server 700 in a TV banking terminal 775 on the TV banking system illustrated in FIG. Through the process of setting the spending limit of the wireless payment means associated with the virtual account opened by the parent account (or representative account) through the parent account, if the person of ordinary skill in the art Various implementation methods for the process of setting the spending limit of the wireless payment means associated with the virtual account of the child (or family member) in the TV banking system may be inferred by referring to FIG. 10 and / or modified. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the TV banking server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 10, a spending limit of a wireless payment means linked to a virtual account opened using the parent account (or the representative account) as a parent account is set through the virtual account opening system shown in FIGS. 1 and / or 4. In order to do so, the TV banking terminal 775 accesses the server through a predetermined communication network (1000).

Here, the communication network used by the TV banking terminal 775 may include at least one or more hybrid fiber coax (HFC) based communication networks or xDSL (or FTTH (Fiber To The Home)) based communication networks.

Thereafter, the TV banking terminal 775 transmits the spending limit setting request information to the server through the communication network and the parent (or representative) authentication information registered through the virtual account opening system shown in FIGS. 1 and / or 4. In operation 1005, the server verifies the validity of the parent (or representative) authentication information (1010).

According to an embodiment of the present invention, the validation of the parent (or representative) authentication information, the parent (or representative) authentication information received from the TV banking terminal 775 is shown in Figure 1 and / or Figure 4 It is preferable to include a check whether matching with the registered parent (or representative) authentication information through the established virtual account opening system.

If the validity of the parent (or representative) authentication information is not authenticated (1015), the server generates predetermined parent (or representative) authentication error information and transmits it to the TV banking terminal 775 through the communication network. (1020).

On the other hand, if the validity of the parent (or representative) authentication information is authenticated (1015), the server checks (1025) at least one or more virtual accounts using the parent account (or representative account) as the parent account, and the identified at least The spending limit information provided in at least one virtual account ledger is updated and stored with the spending limit information corresponding to the received spending limit setting request information (1030).

Thereafter, the server transmits and outputs the updated spending limit setting information to the TV banking terminal 775 through the communication network (1035), and then wireless payment using the wireless payment means of the child (or family member) is performed. It is controlled by the spending limit.

11 is a diagram illustrating a process of setting an expenditure approval form of a wireless payment means associated with a virtual account of a child (or family member) in a TV banking system according to an embodiment of the present invention.

11 illustrates the virtual account opening system shown in FIGS. 1 and / or 4 in connection with the TV banking server 700 in the TV banking terminal 775 on the TV banking system shown in FIG. Through the process of setting the expenditure approval form of the wireless payment means associated with the virtual account opened by the parent account (or representative account) through the parent account, if the person of ordinary skill in the art By referring to and / or modifying FIG. 11, various implementation methods for the process of setting the expenditure approval form of the wireless payment method associated with the virtual account of the child (or family member) in the TV banking system may be inferred. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

In the following figure 11, the TV banking server 700 shown in FIG. 7 will be referred to as "server" for convenience.

Referring to FIG. 11, an expenditure approval form of a wireless payment means associated with a virtual account opened using the parent account (or the representative account) as a parent account through the virtual account opening system shown in FIGS. 1 and / or 4 is shown. To set, the TV banking terminal 775 accesses the server through a predetermined communication network (1100).

Here, the communication network used by the TV banking terminal 775 may include at least one or more hybrid fiber coax (HFC) based communication networks or xDSL (or FTTH (Fiber To The Home)) based communication networks.

Thereafter, the TV banking terminal 775 transmits the expenditure approval form setting request information to the server through the communication network and parent (or representative) authentication information registered through the virtual account opening system shown in FIGS. 1 and / or 4. In operation 1105, the server verifies the validity of the parent (or representative) authentication information (1110).

According to an embodiment of the present invention, the validation of the parent (or representative) authentication information, the parent (or representative) authentication information received from the TV banking terminal 775 is shown in Figure 1 and / or Figure 4 It is preferable to include a check whether matching with the registered parent (or representative) authentication information through the established virtual account opening system.

If the validity of the parent (or representative) authentication information is not authenticated (1115), the server generates predetermined parent (or representative) authentication error information and transmits it to the TV banking terminal 775 through the communication network. (1120).

On the other hand, if the validity of the parent (or representative) authentication information is authenticated (1115), the server checks at least one virtual account having the parent account (or representative account) as a parent account (1125), the at least The expenditure approval type information provided in at least one virtual account ledger is updated and stored with the expenditure approval type information corresponding to the received expenditure approval type setting request information (1130).

Thereafter, the server transmits and outputs the updated expenditure approval type setting information to the TV banking terminal 775 through the communication network (1135), and then wireless payment using the wireless payment means of the child (or family member). Is controlled by the expenditure approval type information.

According to the present invention, a virtual account of at least one child (or family member) whose parent account (or representative account) is the parent account of a parent (or representative) name is opened, and the virtual account is established for each child (or family member). After the association with the wireless payment means of the parent (or representative) to manage the virtual account through TV banking, so that the child (or family member) to control the payment payment using the wireless payment means associated with the virtual account. This has the advantage.

Claims (5)

Account management means for generating one or more virtual accounts using the representative account as a mother account and allocating the generated virtual accounts to family members; Information receiving means for receiving the representative account manager authentication information (or identification information) from a customer TV (or set-top box connected to the TV); Information checking and extracting means for checking the representative account based on the received representative account manager authentication information (or identification information), and identifying and extracting one or more virtual account information corresponding to the confirmed representative account; And And information providing means for providing the extracted one or more virtual account information to the TV (or set-top box connected to the TV). The method of claim 1, wherein the account management means, In connection with the TV (or set-top box connected to the TV), the account management system, characterized in that to set the expenditure limit per one or more virtual accounts and to approve the expenditure. The method of claim 1, wherein the account management means, When assigning the generated virtual account to the family member, the account management system, characterized in that for setting and registering the assigned virtual account as a mobile-based payment account. A recording medium comprising a program for executing the system constituting means function of any one of claims 1 to 3. Generating at least one virtual account using a representative account as a parent account in a predetermined account management means, and allocating the generated virtual account to a family member; Receiving representative account manager authentication information (or identification information) from a customer TV (or a set-top box connected to the TV) at a predetermined information receiving means; On the basis of the received representative account manager authentication information (or identification information) in predetermined information checking and extracting means, the representative account is confirmed, and at least one virtual account information corresponding to the confirmed representative account is identified and extracted. Doing; And The account management means provides the extracted one or more virtual account information in connection with the TV (or set-top box connected to the TV) to the TV (or set-top box connected to the TV), or the amount of expenditure per one or more virtual accounts. Set up and process the approval of the expenditure; Account management method comprising a.

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