KR20080088544A - System for providing using breakdown of payment virtual account - Google Patents

Abstract

A system for providing use details of a virtual payment account is provided to enable a national facility and/or an insurance company, which manage welfare funds, to pay a payment amount effectively and reliably to beneficiary by using a payment-only virtual voucher account opened to a name of the beneficiary. An account opener opens a payment-only virtual voucher account for paying a welfare fund to each beneficiary by using an account of a fund manager as a mother account. An account operator stores withdrawal details of a plurality of payment-only virtual voucher accounts to each payment-only virtual voucher account ledger. An information generator(420) integrates/classifies the withdrawal details into each period, receiver, area, and client by periodically checking the withdrawal details of the payment-only virtual voucher account stored in the payment-only virtual voucher account ledger. An information provider provides the withdrawal details of the integrated/classified payment-only virtual voucher accounts to the fund manager.

Description

System for Providing Using Breakdown of Payment Virtual Account}

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

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

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

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

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

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

7 is a diagram illustrating a configuration of a voucher payment virtual account operating system according to an embodiment of the present invention.

8 is a view showing a voucher payment virtual account operating process according to an embodiment of the present invention.

FIG. 9 illustrates a voucher card issuing system to be used for financial transactions and / or payments in connection with a voucher payment virtual account according to an embodiment of the present invention.

10 is a diagram illustrating a voucher card issuing process to be used for financial transactions and / or payments in connection with a voucher payment virtual account according to an embodiment of the present invention.

FIG. 11 illustrates a face-to-face information registration system for financial transactions and / or payments through a voucher card according to one embodiment of the present invention.

12 is a diagram showing the configuration of customer card linkage information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for financial transactions and / or payment settlement through the voucher card according to an embodiment of the present invention .

FIG. 13 is a diagram illustrating the configuration of customer card linkage information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for financial transactions and / or payments through a voucher card according to another embodiment of the present invention. Figure is a diagram.

14 is a diagram illustrating a configuration of customer card linkage information stored in a DBMS provided in a payment server in a face-to-face manner for financial transactions and / or payment through a voucher card according to another embodiment of the present invention.

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

FIG. 16 illustrates a non-face-to-face information registration system for financial transactions and / or payments through a voucher card according to another exemplary embodiment of the present invention.

17 is a diagram showing the configuration of customer card linkage information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for financial transactions and / or payment settlement through the voucher card according to an embodiment of the present invention to be.

18 is a customer card interworking information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for financial transactions and / or payments through the voucher card according to another embodiment of the present invention It is a figure which shows a structure.

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

20 is a diagram illustrating a process of registering customer card linkage information in a non-face-to-face manner for financial transactions and / or payments through a voucher card according to one embodiment of the present invention.

21A and 21B illustrate a process of registering customer card interworking information in a non-face-to-face manner for financial transactions and / or payment through a voucher card according to another exemplary embodiment of the present invention.

22 is a diagram showing the configuration of a financial terminal operating system for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

FIG. 23 is a diagram illustrating a functional configuration of a financial terminal for offline withdrawal of an amount deposited in a voucher virtual account according to an embodiment of the present invention.

24 is a diagram illustrating a process of offline withdrawal of an amount deposited in a voucher virtual account through a financial terminal according to an embodiment of the present invention.

25 is a diagram illustrating a conventional financial transaction procedure using financial means matched with a voucher card according to an embodiment of the present invention.

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

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

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

29 is a diagram illustrating a payment approval request specialized structure for payment processing through a voucher card according to an embodiment of the present invention.

30A and 30B illustrate a payment process using a voucher card according to an exemplary embodiment of the present invention.

31 is a flowchart illustrating an operation process of a payment terminal according to another embodiment of the present invention.

32 is a diagram illustrating a payment approval request specialized structure for payment processing through a voucher card according to another embodiment of the present invention.

33A and 33B illustrate a payment process using a voucher card according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

700: virtual account management server 705: interface unit

710: information transmission unit 715: information storage unit

720: information confirmation unit 725: information extraction unit

730 storage medium

The present invention provides an account-only means for opening a payment-only virtual account that can be used only for withdrawal transactions for the payment of funds operated by a fund operator for a plurality of payees, using the fund manager's account as the parent account and in the name of each payee; Account management means for storing at least one withdrawal transaction history for each payment-only virtual account in each payment-only virtual account ledger, and at least one withdrawal transaction history for the payment-only virtual account stored in the payment-only virtual account ledger. Provide the fund operator with information processing means for integrating and classifying by period, payment target, region, and account by periodic checks and at least one withdrawal transaction details for the integrated and classified payment-only virtual accounts. Payment-only virtual account comprising information providing means It relates to a usage history providing system.

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

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

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

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

An object of the present invention for solving the above problems, a payment-only virtual account that can only withdrawal transactions for the payment of funds managed by the fund operator for each of the plurality of payment subjects in the name of each payment subject using the fund operator's account as the parent account. Account opening means for opening, account operating means for storing at least one or more withdrawal transaction details for the plurality of payment-only virtual accounts in each payment-only virtual account ledger, and the payment-only virtual stored in the payment-only virtual account ledger. Periodically check the at least one withdrawal transaction history for the account, and the information processing means for integrating and sorting by a certain period, by the payment target, region, and account, and at least one or more of the consolidated, sorted plurality of payment-only virtual account Information to provide the fund operator withdrawal transaction details. Is a dedicated virtual account payment history using the system provides a means to provide.

The payment-only virtual account usage history providing system according to the present invention is a payment-only virtual account that can only withdrawal transactions for the payment of funds managed by the fund operator for each of the plurality of payment subjects, using the fund manager's account as the parent account for each payment target person. Account opening means for opening in the name, account operating means for storing at least one or more withdrawal transaction details for the plurality of payment-only virtual accounts in each payment-only virtual account ledger, and the payment stored in the payment-only virtual account ledger. Periodically check at least one withdrawal transaction history for a dedicated virtual account, information processing means for integrating and sorting by a certain period, by payment target, region, and account, and at least the plurality of payment-only virtual accounts. Provide one or more withdrawal transactions to the fund operator It is characterized in that it comprises the information providing means.

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

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

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

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

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

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

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

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

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

Referring to FIG. 1 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher payment virtual account includes a teller terminal used by a teller provided with at least one financial institution. The window terminal is connected to a communication channel with the voucher virtual account opening server 100 provided on the voucher virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the welfare fund operation institution visits the financial institution to open the voucher payment virtual account and through the window provided to the financial institution (or through a cashier) the voucher payment virtual account Prepare a virtual account opening application (e.g., a document with a form for filling in at least one item of information for opening a voucher-paid virtual account) for opening (or the clerk visits the welfare fund management agency) The welfare fund operation institution to prepare a predetermined virtual account opening application for opening the voucher payment virtual account), and submit the completed virtual account opening application to the counter staff, and the counter staff opens the predetermined counter terminal. Enter (or select) information entered in the virtual account opening application form, and Nine words are preferably sent to the voucher virtual account opening server 100 provided on the voucher virtual account opening system of the information the input (or selected) through the financial network.

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

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

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

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, and the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to make it.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service provides a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is made by also being preferred.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In addition, in this figure 2, the account ledger corresponding to the welfare fund management account is linked to the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI Volume 1, RBI Balance 2, Bank Balance, Bank Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Last Deposit, Last Withdrawal, Unpaid Transactions, Interest Rate Account, It includes account ledger information that includes at least one of the following: linkage, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic receipt information including at least one or more periods (days), period extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information including at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, complex transaction corresponding to the ledger It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

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

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

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

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

In more detail, in FIG. 3, in the voucher virtual account opening system shown in FIG. 1, a predetermined customer opens the voucher virtual account through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a financial network). When the voucher virtual account opening application information is transmitted to the server 100, the voucher virtual account opening server 100 opens a predetermined voucher virtual account based on the virtual account opening application information. As for the process of opening, various ones of ordinary skill in the art to which the present invention pertains, various methods of opening the voucher virtual account for opening the voucher payment virtual account by referring to and / or modifying the present figure 3 It can be inferred, but the present invention includes all the inferred implementation method, the embodiment shown in Figure 3 It is not limited.

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

Referring to Figure 3, the welfare fund management organization that wants to open a voucher virtual account to the voucher subject to open the voucher payment virtual account, if you create a predetermined virtual account opening application, and submits the completed virtual account opening application, The terminal provides the virtual account establishment application information included in the virtual account establishment application to the server through a virtual account establishment interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

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

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

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

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

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

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

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

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

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

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

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

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

Voucher-specific information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) in the voucher target information included in the virtual account opening application information according to an embodiment of the present invention. Is included, the financial institution in which the voucher virtual account is opened after the voucher virtual account linked to the welfare fund management account is opened as described above, and the voucher subject information (eg, voucher payment target name, social security number, address, Visiting the voucher subject corresponding to the voucher subject personal information including at least one of a telephone number, a mobile phone number, an e-mail address, etc., through the voucher certificate and / or the voucher card (or operating at the financial institution) At least one non-face-to-face financing, or through a cash dispenser (CD) / automatic teller machine (ATM) Below through the channel), it is preferable to request a voucher password register for processing the at least one financial transaction.

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

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

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

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

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

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

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

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

In more detail, FIG. 4 shows that a given welfare fund management institution requests the opening of a voucher virtual account for opening a voucher payment virtual account through a virtual account opening interface including at least one non-face-to-face financial transaction channel. In the voucher virtual account opening system, a system for opening a voucher virtual account having a welfare fund operation account opened under the name of a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) as a parent account. If the welfare fund management organization provides the predetermined virtual account opening application information using the virtual account opening interface according to the present invention through a predetermined welfare fund operating institution terminal corresponding to the non-face-to-face financial transaction channel, Voucher virtual account opening system in the virtual account opening application information The present invention relates to a method of opening a voucher virtual account for opening the voucher payment virtual account under the name of the voucher.

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

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

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

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

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

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

In addition, the client terminal outputs at least one user interface provided by the voucher virtual account opening server 400, and input and / or select at least one information through the user interface to the voucher virtual account opening server A function configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function to communicate with the voucher virtual account opening server 400, etc.) for transmitting to the 400 is preferably provided.

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

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

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

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

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

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal, wherein the financial transaction service includes a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is preferable to make.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service provides a financial transaction service for opening the voucher payment virtual account through opening and operating the voucher virtual account. It is made by also being preferred.

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

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

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

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

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

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

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

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

The voucher virtual account opening server 400 provided on the voucher virtual account opening system according to the present invention is a generic term for the component of the voucher virtual account opening system that is connected to the welfare fund operating institution terminal through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to the method of the present invention, the voucher virtual account opening server 400 is provided with an interface unit 405 for providing a predetermined virtual account opening interface to the welfare fund operation institution terminal through the network means. It is done.

According to an embodiment of the present invention, when the welfare fund operating institution terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 405 may be configured as described above. At least one piece of information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

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

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

According to another exemplary embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 is based on a protocol stack defined in the wireless network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

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

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

Referring to FIG. 4, the voucher virtual account opening server 400 connects the voucher virtual account opening server 400 to the voucher virtual account opening server 400 through the interface unit 405. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the welfare fund operation institution terminal to provide the welfare fund operation institution terminal to the welfare fund operation institution terminal. An information receiving unit 415 for receiving predetermined virtual account opening application information transmitted from the welfare fund operation institution terminal through the user interface in connection with the study 410 and the interface unit 405. And a predetermined virtual account member corresponding to the voucher virtual account to be opened to the customer based on the received virtual account opening application information. The virtual account ledger generated in association with the information generation unit 420 for generating information and the account ledger of the financial account corresponding to the welfare fund operating account linked to the voucher virtual account in the ledger D / B on the financial system. And an information storage unit 425 for storing information.

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

Thereafter, the welfare fund operation institution terminal inputs (or selects) the virtual account opening application information based on the user interface, and the virtual account opening application information is input (or selected) through the network means. Transfer to the account opening server 400.

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

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

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

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

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

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

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

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

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

The information generating unit 420 generates predetermined virtual account ledger information to be provided in the voucher virtual account opened under the name of the voucher subject based on the virtual account opening application information received through the information receiving unit 415. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is subject to the voucher) And at least one ledger information to be provided for processing at least one or more financial transactions (e.g., voucher payment, withdrawal, account transfer, or payment through voucher payment).

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

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

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

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

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

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

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

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

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

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

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

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

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

In more detail, FIG. 6 illustrates a client terminal and a network in which a predetermined customer includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the voucher virtual account opening system shown in FIG. 4. Means) transmits a predetermined virtual account opening application information to the voucher virtual account opening server 400 through the voucher virtual account opening server 400, and opens the virtual account at the voucher virtual account opening server 400. Regarding the process of opening a predetermined voucher virtual account based on the application information, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this figure 6 to open a voucher payment virtual account. Various implementation methods of opening the voucher virtual account may be inferred, but the present invention is inferred from the implementation. It includes all the methods, and is not limited to the embodiment shown in FIG.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Thereafter, the server checks the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher among the at least one account ledger provided on the ledger D / B 500 on the financial system. (635).

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

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

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

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

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

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

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

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

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

7 is a diagram showing the configuration of a voucher payment virtual account operating system according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a welfare fund established in the name of a predetermined welfare fund operating institution (eg, the Ministry of Health and Welfare and / or each local government) through the voucher virtual account opening system shown in FIGS. 1 and / or 4. When a voucher virtual account (or payment virtual account) using a management account as a parent account is opened in a customer name corresponding to the voucher subject, the customer withdraws the amount deposited in the voucher virtual account (or payment virtual account), And / or when processing at least one or more financial transactions through the voucher virtual account (or payment virtual account), and / or processing payment through the voucher virtual account (or payment virtual account), the voucher virtual account. The welfare fund is operated periodically (e.g., weekly, monthly, quarterly) corresponding to the usage of a predetermined virtual account corresponding to (or paid virtual account). As a system configuration provided by a predetermined institution server provided in a pipe (for example, the Ministry of Health and Welfare and / or each local government), those skilled in the art to which the present invention pertains, refer to FIG. And / or may be modified to infer various implementation methods for the voucher payment virtual account operation system, but the present invention includes all the implementation methods inferred, and only the implementation method illustrated in FIG. Features are not limited.

Referring to FIG. 7, the voucher payment virtual account operating system is configured through a voucher virtual account opening system shown in FIGS. 1 and / or 4 to provide a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government). Organization) A financial system that operates and manages a virtual account ledger corresponding to a voucher virtual account (or payment virtual account) having a welfare fund management account opened in the name of the parent account, and the voucher virtual account (or After extracting the at least one withdrawal history corresponding to the payment virtual account to generate a predetermined virtual account usage history, and to the institution server corresponding to the welfare fund management institution (for example, the Ministry of Health and Welfare and / or each local government) It is characterized by comprising a virtual account management server 700 to provide.

Here, the financial system for operating and managing the virtual account ledger corresponding to the voucher virtual account (or payment virtual account) opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 Detailed descriptions refer to FIGS. 1 and / or 4, and detailed descriptions of the financial system in FIG. 7 will be omitted for convenience.

A voucher whose mother account is a welfare fund management account opened in the name of a predetermined welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) through the voucher virtual account opening system shown in FIGS. 1 and / or 4. When a virtual account (or payment virtual account) is opened in the name of the customer corresponding to the voucher, the ledger D / B on the financial system has a predetermined virtual account ledger corresponding to the voucher virtual account (or payment virtual account). And a virtual account deposit history in which a predetermined payment amount is deposited from the welfare fund management account corresponding to the mother account of the voucher virtual account (or payment virtual account) to the voucher virtual account (or payment virtual account). A predetermined amount may be withdrawn from the virtual account (or the payment virtual account) through a predetermined financial terminal (or financial institution window), or It is characterized in that for storing the virtual account withdrawal details that a predetermined amount is transferred to the at least one financial account from the voucher virtual account (or payment virtual account).

According to the method of the present invention, the virtual account withdrawal history corresponding to the virtual account is withdrawal date and time information. And withdrawal amount information and withdrawal target information.

Here, the withdrawal date and time information among the virtual account withdrawal history, preferably comprises at least one or more of the year / month / day and hour / minute / second withdrawal of the withdrawal amount from the virtual account.

The withdrawal amount information of the virtual account withdrawal information is an amount of money deposited in the virtual account (for example, a payment amount to be paid from the welfare fund management account to the voucher virtual account corresponding to the virtual account deposit details). Preferably, the payment amount includes the amount withdrawn to at least one or more of the withdrawal object of the welfare fund management account before the withdrawal from the virtual account.

In addition, the withdrawal target information in the virtual account withdrawal history, it is preferable that the amount deposited in the virtual account includes information for identifying the withdrawn or withdrawn from the welfare fund management account, or the transfer account. .

According to the method of the present invention, the amount deposited in the virtual account is withdrawn from the welfare fund management account and a predetermined financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser) When the withdrawal is made through a financial automated device including at least one CD), the withdrawal target information includes the financial terminal information.

Alternatively, when the amount deposited in the virtual account is withdrawn from the welfare fund management account and withdrawn through a predetermined financial institution window, the withdrawal target information is the financial institution window information (or the financial institution window terminal information, or The financial institution counter staff information).

Alternatively, when the amount deposited in the virtual account is withdrawn from the welfare fund management account and transferred to a predetermined financial account, the withdrawal target information includes the financial account information with which the withdrawal amount is transferred to the account. desirable.

Alternatively, the amount deposited in the virtual account is withdrawn from the welfare fund management account by a predetermined payment request, and the financial account of the predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). In the case of the transfer of money to the bank account, the withdrawal target information may include the payment requesting institution information (or the financial account information of the payment requesting institution) in which the withdrawal amount is transferred to the account.

Referring to FIG. 7, the virtual account operation server 700 may include a predetermined virtual account ledger (eg, a welfare fund operation institution (eg, a health and welfare department and / or) provided in the ledger D / B provided on the financial system. Or an information extraction unit for extracting at least one virtual account withdrawal history from a virtual account ledger corresponding to a voucher virtual account (or a paid virtual account) having a welfare fund management account opened under the name of each local government) ), An information confirmation unit 720 for confirming a virtual account usage history according to each withdrawal target included in the virtual account withdrawal history, and the details of the virtual account usage history with the welfare fund operation institution (for example, the Ministry of Health and Welfare //). Or an information storage unit 715 for storing the data in a predetermined storage medium 730 in association with the institution information and the virtual account information corresponding to each local government), and the storage medium 730 stored therein. And an information transmission unit 710 that transmits the account to use history to the institution server corresponding to the authority information is characterized in that formed.

According to the present invention, the virtual account operation server 700 connects and manages a communication channel for transmitting the virtual account usage history to an institution server corresponding to the institution information through a predetermined network means 705. It characterized by comprising a.

According to the implementation method of the present invention, the interface unit 705 according to the communication protocol contracted with the institution server to securely transmit a large amount of virtual account usage history to the institution server corresponding to the institution information through the network means. It is desirable to connect and manage certain communication channels.

For example, if the institution server is an ERP () server provided in the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), the interface unit 705 mass transfers to the ERP server through the network means. Connect and manage a predetermined communication channel according to a contracted communication protocol in order to stably transmit the usage history of the virtual account.

Those skilled in the art to which the present invention pertains, to securely transmit a large amount of virtual account usage history from the virtual account management server 700 to the institution server through the network means according to the characteristics of the institution server Since technical features for various communication protocol configurations can be inferred, a detailed description thereof will be omitted for convenience.

The information extracting unit 725 is a name of a predetermined virtual account ledger (eg, a predetermined welfare fund operation institution (eg, a health welfare department and / or each local government) provided in the ledger D / B provided on the financial system. From a voucher virtual account (or virtual account ledger corresponding to a paid virtual account) having a welfare fund management account opened as a parent account under the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. At least one virtual account withdrawal history corresponding to the opened virtual account is extracted.

According to the method of the present invention, the virtual account withdrawal history corresponding to the virtual account is withdrawal date and time information. And withdrawal amount information and withdrawal target information.

Here, the withdrawal date and time information among the virtual account withdrawal history, preferably comprises at least one or more of the year / month / day and hour / minute / second withdrawal of the withdrawal amount from the virtual account.

The withdrawal amount information of the virtual account withdrawal information is an amount of money deposited in the virtual account (for example, a payment amount to be paid from the welfare fund management account to the voucher virtual account corresponding to the virtual account deposit details). Preferably, the payment amount includes the amount withdrawn to at least one or more of the object of withdrawal from the virtual account before the withdrawal from the virtual account.

In addition, the withdrawal target information in the virtual account withdrawal history, it is preferable that the amount deposited in the virtual account includes information for identifying the withdrawn or withdrawn from the welfare fund management account, or the transfer account. .

According to the method of the present invention, the amount deposited in the virtual account is withdrawn from the welfare fund management account and a predetermined financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser) When the withdrawal is made through a financial automated device including at least one CD), the withdrawal target information includes the financial terminal information.

Alternatively, when the amount deposited in the virtual account is withdrawn from the welfare fund management account and withdrawn through a predetermined financial institution window, the withdrawal target information is the financial institution window information (or the financial institution window terminal information, or The financial institution counter staff information).

Alternatively, when the amount deposited in the virtual account is withdrawn from the welfare fund management account and transferred to a predetermined financial account, the withdrawal target information includes the financial account information with which the withdrawal amount is transferred to the account. Do.

Alternatively, the amount deposited in the virtual account is withdrawn from the welfare fund management account by a predetermined payment request, and the financial account of the predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). In the case of the transfer of money to the bank account, the withdrawal target information may include the payment requesting institution information (or the financial account information of the payment requesting institution) in which the withdrawal amount is transferred to the account.

When at least one virtual account withdrawal history is extracted by the information extracting unit 725, the information checking unit 720 classifies the virtual account withdrawal history by the withdrawal targets and records the details of the virtual account usage according to each withdrawal target. It is characterized by checking.

According to an exemplary embodiment of the present invention, the information checking unit 720 is a financial terminal (for example, Automatic Teller Machine (ATM), Cash Dispenser (Cash Dispenser) of the withdrawal target information of the virtual account withdrawal history) A virtual account withdrawal history corresponding to a financial automated device including at least one CD), and / or the withdrawal target information is a financial institution window information (or the financial institution window terminal information, or the financial institution window employee information). Checking the virtual account usage history corresponding to the financial transaction using the virtual account, and the virtual account withdrawal details corresponding to the virtual account, and / or the virtual account withdrawal details corresponding to the withdrawal target financial account information. desirable.

In addition, the information verification unit 720 is a payment account request information of the withdrawal target information of the virtual account withdrawal information corresponding to the predetermined payment requesting institution (eg, online payment merchant, or offline payment merchant). It is preferable to check the virtual account usage history corresponding to the payment settlement using the virtual account for the virtual account withdrawal details corresponding to (or financial account information of the payment requesting institution).

When at least one virtual account usage history is confirmed by the information confirming unit 720, the information storage unit 715 stores the at least one checked virtual account usage history in the welfare fund operation institution (eg, the health welfare department and the And / or in association with institution information and virtual account information corresponding to each local government), and store the information in a predetermined storage medium 730.

In this case, the institution information stored in the storage medium 730 in association with the virtual account usage history is stored in the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government), and the virtual account operation server 700. Including the institution server address for receiving at least one virtual account usage history transmitted from the server and the communication protocol information for transmitting at least one or more virtual account usage history from the virtual account management server 700 to the institution server And, according to the intention of the person skilled in the art, it is preferable that the welfare fund management institution (eg, the Ministry of Health and Welfare and / or local governments) and the institution name and / or welfare fund management account information corresponding to each other is made.

The virtual account information stored in the storage medium 730 in association with the virtual account usage history may include a virtual account number opened under the customer's name and the customer information using the welfare institution operation account as a mother account. Characterized in that the customer information is the customer personal information (e.g. customer name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and / or voucher certificate (or voucher card to prove that the customer is the voucher subject) Customer specific information (e.g., serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card).

According to another exemplary embodiment of the present invention, it may be omitted that the information storage unit 715 processes the virtual account usage details in association with the institution information and the virtual account information and stores them in a predetermined storage medium 730. In this case, the virtual account usage history may be transmitted to the institution server corresponding to the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) through the information transmission unit 710.

The information transmitting unit 710 periodically links with the interface unit 705 the predetermined virtual account information stored in the storage medium 730 (eg, virtual account number, customer personal information, or customer unique information), And the at least one virtual account usage history information stored in association with the virtual account information (or at least one or more virtual account usage history information confirmed through the information checking unit 720), and the welfare fund management institution (eg, health care). Welfare Department and / or local governments) characterized in that the transmission to the institution server corresponding to.

According to the exemplary embodiment of the present invention, the information transmitting unit 710 may store predetermined virtual account information (for example, virtual account number, customer personal information, or customer) stored in the storage medium 730 on a weekly, monthly, or quarterly basis. Unique information, etc.), and at least one virtual account usage history information (or at least one virtual account usage history information checked through the information checking unit 720) linked to the virtual account information. In association with the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) (for example, in association with the virtual account information and included in the institution information stored in the storage medium 730). Server to the corresponding institution server address).

According to the implementation method of the present invention, the interface unit 705 according to the communication protocol contracted with the institution server to securely transmit a large amount of virtual account usage history to the institution server corresponding to the institution information through the network means. In order to connect and manage a predetermined communication channel, the information transmission unit 710 is at least one virtual account processed in association with the virtual account information and the virtual account information according to a communication protocol provided in the interface unit 705. It is preferable to process the usage history information, and transmit the virtual account information and at least one virtual account usage history information linked to the virtual account information to the institution server using the communication protocol.

8 is a view illustrating a voucher payment virtual account operating process according to an embodiment of the present invention.

In more detail, FIG. 8 is a welfare fund established in the name of a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) through the voucher virtual account opening system shown in FIGS. 1 and / or 4. After a voucher virtual account (or payment virtual account) having a management account as a parent account is opened under a customer name corresponding to the voucher subject, the voucher virtual account (or payment) through the voucher payment virtual account operation system shown in FIG. A predetermined institution server provided in the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) periodically (eg, weekly, monthly, quarterly) for a predetermined use of a virtual account corresponding to the virtual account). As provided to the process, those of ordinary skill in the art to which the present invention pertains, by referring to and / or modifying the present figure 8 bar Processing payment would be able to infer a variety of exemplary methods for the virtual account management process, the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the virtual account operating server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 8, the server is established in the name of a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Withdraw at least one virtual account from the virtual account ledger corresponding to the virtual account under the client's name in connection with a financial system equipped with a virtual account ledger corresponding to the voucher virtual account (or payment virtual account) with the welfare fund operating account as the parent account Extract the details (800).

According to the method of the present invention, the virtual account withdrawal history corresponding to the virtual account is withdrawal date and time information. And withdrawal amount information and withdrawal target information.

Here, the withdrawal date and time information among the virtual account withdrawal history, preferably comprises at least one or more of the year / month / day and hour / minute / second withdrawal of the withdrawal amount from the virtual account.

The withdrawal amount information of the virtual account withdrawal information is an amount of money deposited in the virtual account (for example, a payment amount to be paid from the welfare fund management account to the voucher virtual account corresponding to the virtual account deposit details). Preferably, the payment amount includes an amount withdrawn to at least one or more of the withdrawal targets of the welfare fund management account before withdrawal from the virtual account.

In addition, the withdrawal target information in the virtual account withdrawal history, it is preferable that the amount deposited in the virtual account includes information for identifying the withdrawn or withdrawn from the welfare fund management account, or the transfer account. .

According to the method of the present invention, the amount deposited in the virtual account is withdrawn from the welfare fund management account and a predetermined financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser) When the withdrawal is made through a financial automated device including at least one CD), the withdrawal target information includes the financial terminal information.

Alternatively, when the amount deposited in the virtual account is withdrawn from the welfare fund management account and withdrawn through a predetermined financial institution window, the withdrawal target information is the financial institution window information (or the financial institution window terminal information, or The financial institution counter staff information).

Alternatively, when the amount deposited in the virtual account is withdrawn from the welfare fund management account and transferred to a predetermined financial account, the withdrawal target information includes the financial account information with which the withdrawal amount is transferred to the account. Do.

Alternatively, the amount deposited in the virtual account is withdrawn from the welfare fund management account by a predetermined payment request, and the financial account of the predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). In the case of the transfer of money to the bank account, the withdrawal target information may include the payment requesting institution information (or the financial account information of the payment requesting institution) in which the withdrawal amount is transferred to the account.

Thereafter, the server reads the extracted virtual account withdrawal details and checks at least one virtual account usage history information for each withdrawal target for the virtual account (805).

According to an embodiment of the present invention, the server may include at least a cash terminal (eg, an automatic teller machine (ATM) or a cash dispenser (CD)) in the virtual account withdrawal information. Virtual account withdrawal history corresponding to one or more financial automated devices, and / or virtual account corresponding to the withdrawal target information corresponding to the financial institution window information (or the financial institution window terminal information or the financial institution window employee information). It is preferable to check the details of the withdrawal, and / or the details of the withdrawal of the virtual account corresponding to the financial account information to which the withdrawal target information corresponds to the account transfer target.

The server may further include payment requesting institution information (or payment request) in which the withdrawal target information of the virtual account withdrawal information corresponds to a predetermined payment requesting institution (for example, an online merchant or an offline merchant). It is preferable to check the virtual account withdrawal history corresponding to the financial account information of the institution) and use the virtual account corresponding to the payment using the virtual account.

If at least one virtual account usage history information for each of the withdrawal targets for the virtual account is confirmed (810), the server sends the at least one checked virtual account usage history to the welfare fund operation institution (eg, the Ministry of Health and Welfare and //). Or in association with the institution information and virtual account information corresponding to each local government) and stored in a predetermined storage medium (730) (815).

In this case, the institution information stored in the storage medium 730 in association with the virtual account usage history is stored in the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government), and the virtual account operation server 700. Including at least one agency server address for receiving at least one usage of the virtual account transmitted from the, and according to the intention of the skilled person corresponding to the welfare fund management institutions (for example, the Ministry of Health and Welfare and / or each local government) It is preferable to further include the institution name and / or welfare fund management account information.

The virtual account information stored in the storage medium 730 in association with the virtual account usage history may include a virtual account number opened under the customer's name and the customer information using the welfare institution operation account as a mother account. Characterized in that the customer information is the customer personal information (e.g. customer name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and / or voucher certificate (or voucher card to prove that the customer is the voucher subject) Customer specific information (e.g., serial number (or unique number) included in the voucher certificate, or card number included in the voucher certificate card).

Thereafter, the server checks whether or not to provide the usage information of the virtual account corresponding to the virtual account of the customer name to the institution server corresponding to the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government). (820).

According to an embodiment of the present invention, the server may include predetermined virtual account information (for example, virtual account number, customer personal information, or customer unique information) stored in the storage medium 730 on a weekly, monthly, or quarterly basis. And linking at least one virtual account usage history information processed in association with the virtual account information to an institution server corresponding to the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) (eg, the virtual account information). The server corresponding to the institution server address included in the institution information stored in the storage medium 730).

If the virtual account usage history corresponding to the virtual account of the customer's name is not provided to the institution server (e.g., the period for providing the virtual account usage history to the institution server has not arrived) (825), the server The at least one virtual account withdrawal history corresponding to the virtual account of the customer name is extracted from the financial system, the at least one virtual account usage history information is checked from the virtual account withdrawal history, and the checked virtual account usage history is displayed. The process of linking the institution information and the virtual account information and storing the information in the storage medium 730 is repeated.

If the virtual account usage history corresponding to the virtual account of the customer's name is provided to the institution server (e.g., a period for providing the virtual account usage history to the institution server has arrived) (825), the server Extract at least one virtual account usage history information stored in association with the virtual account information and the virtual account information from a storage medium 730 (830), and process the association with the extracted virtual account information and the virtual account information. And store at least one stored virtual account usage history information corresponding to communication protocol information included in the server and the institution information (835), and communicate the processed virtual account information and at least one virtual account usage history information. It transmits to the institution server corresponding to the institution server address included in the institution information through the protocol (840). .

Hereinafter, a virtual account (for example, a voucher virtual account or a payment virtual account) opened under the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the drawings shown in FIGS. 9 and 10. And a method of issuing a predetermined voucher card to be linked to the same, and a virtual account (for example, a voucher virtual account or a payment virtual account) opened under the name of the customer through the drawings illustrated in FIGS. 11 to 21. A description will be given of an embodiment of a method of linking the voucher card and the virtual account to generate at least one virtual account withdrawal history corresponding to a) and to store it in the virtual account ledger.

FIG. 9 illustrates a voucher card issuing system to be used for financial transactions and / or payments in connection with a voucher payment virtual account according to an embodiment of the present invention.

In more detail, FIG. 9 shows a payment virtual account opened by a predetermined customer in a customer's name through a voucher virtual account opening system shown in FIGS. 1 and / or 4 as a voucher card issuing system through a predetermined card issuing interface. When providing predetermined card issuance application information for linked card payment processing, the voucher card issuing system opens the voucher virtual account shown in Figs. 1 and / or 4 to the customer based on the provided card issuance application information. The system configuration for issuing a voucher card associated with a payment virtual account opened in the name of the customer through the system, and those skilled in the art to which the present invention pertains, refer to and / or modify the present invention Voucher Card Issuing System to be used for financial transactions and / or payments in connection with voucher payment virtual accounts Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for issuing a predetermined voucher card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the voucher card issuing system shown in FIG. Components corresponding to the configuration are referred to as "card issuing server 900" for convenience.

Referring to this figure 9 according to the embodiment of the present invention, a voucher card for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in Figures 1 and / or 4 The issuing system is characterized in that it comprises a teller terminal used by the card issuing staff equipped with at least one financial institution, and / or if the voucher card issuing system supports a non-face-to-face card issuance application, the And a client terminal including at least one wired terminal and / or a wireless terminal used by a customer, wherein the teller terminal and / or the client terminal are provided on the voucher card issuing system through a predetermined network means. The card issuing server 900 and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer sends the card to the financial institution for card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Pre-determined card issuance application for issuing a voucher card to be used for financial transactions and / or payments in connection with the voucher payment virtual account through a window provided to the financial institution (or through a card issuing staff). A document with a form for filling in at least one item of information for issuing a voucher card to be used for financial transactions and / or payments in connection with a voucher payment virtual account; Visit the customer and allow the customer to engage in financial transactions and / or payments in association with the voucher payment virtual account. Complete a card issuance application for issuing a voucher card to be used), and when the completed card issuance application is submitted to the card issuing staff, the card issuing staff is to fill out the card issuance application through a predetermined counter terminal. It is preferable to input (or select) the received information, and the window terminal transmits the input (or selected) information to the card issuing server 900 provided on the voucher card issuing system through the network means.

Here, the teller terminal preferably comprises a teller terminal used by the card issuing staff provided in the financial institution, the card issuing server 900 connected to the teller terminal is provided on the predetermined financial system Preferably it comprises a ledger server, the network means for connecting the teller terminal and the card issuing server 900 is a financial network (for example, the network to connect the communication channel between the teller terminal and the card issuing server 900) It is preferable to comprise).

In the voucher card issuing system as described above, the card issuance application created by the customer, the window terminal used by the card issuing staff and the financial network connecting the window terminal and the card issuing server 900 is the customer Perform a function of the card issuing interface for registering the card issuing application information for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 .

According to another exemplary embodiment of the present invention, when the voucher card issuing system supports a non-face-to-face card issuance application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. The voucher virtual account shown in FIGS. 1 and / or 4 is connected to the card issuing server 900 through at least one client terminal, and through at least one user interface provided by the card issuing server 900. When the card issuing application information for card payment processing associated with the payment virtual account opened in the customer's name is opened (or selected) through the establishment system, the client terminal is provided on the voucher card issuing system through a predetermined network means. The card issuing server 900 is preferably transmitted.

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

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

In addition, the client terminal outputs at least one user interface provided by the card issuing server 900, and inputs and / or selects at least one or more information through the user interface to the card issuing server 900. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 900, etc.) is provided.

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

In the voucher card issuing system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired network connecting the client terminal and the card issuing server 900. And / or the wireless network registers the card issuing application information for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Functions as a card issuing interface for

According to another exemplary embodiment of the present invention, when the voucher card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 940 may be provided with a predetermined financial amount in addition to the counter terminal and / or the client terminal. And further comprising an automated teller machine (not shown) including a cash automatic teller machine (ATM), a cash dispenser (CD) connected to a network (eg, a financial common network), and / or It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network. The terminal further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as, and / or a terminal provided in at least one or more institutions affiliated with the financial institution. Or a server) (not shown), by which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 940 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( The financial network connecting the card issuing server 900 is a card linked with the payment virtual account opened in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. Performs a function of a card issuing interface for registering card issuing application information for payment processing, and / or when the card issuing terminal 940 is the call terminal (not shown), the call terminal (not shown) and In the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the card issuing server 900, the customer opens a voucher virtual account shown in FIGS. 1 and / or 4. The financial institution that functions as a card issuing interface for registering card issuing application information for card payment processing associated with a payment virtual account opened in a customer's name through the system, and / or the card issuing terminal 940. In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the terminal, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuance The network connecting the server 900 is the card issuing application information for the card payment processing associated with the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 Performs the function of the card issuing interface to register the.

According to the implementation method of the present invention, the card issuance application information is a voucher card is issued through the voucher card issuing system shown in Figure 9 (or the voucher virtual account opening system shown in Figures 1 and / or 4) Customer information corresponding to the payment virtual account opened through the virtual account and the virtual account information corresponding to the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable.

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

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

The card information D / B 935 provided on the voucher card issuing system according to the present invention issues a predetermined voucher card to the customer based on the card issuing application information provided from the card issuing terminal 940. Thereafter, the predetermined voucher card information generated in correspondence with the issuance of the voucher card and the customer information and the virtual account information included in the card issuance application information are stored in a cooperative process.

According to an embodiment of the present invention, the card information D / B 935 is preferably provided in a DBMS on a predetermined financial system provided on the voucher card issuing system (or associated with the voucher card issuing system). In this case, the card information D / B 935 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 935 is provided on (or associated with) the voucher card issuing system, and / or the Internet banking system, and / or telebanking. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the wireless banking system, and / or the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 935 is a server that performs a predetermined information processing function using the voucher card information, virtual account information and customer information on the voucher card issuing system. (Or a device) is preferably provided in a predetermined DBMS, wherein the location of the card information D / B (935) may be variously implemented according to the intention of those skilled in the art, whereby the present invention It is not limited.

The card issuing server 900 provided on the voucher card issuing system according to the present invention is a generic term for the voucher card issuing system side component connected to the card issuing terminal 940 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, the card issuing server 900 is characterized in that it comprises an interface unit 905 for providing a predetermined card issuing interface to the card issuing terminal 940 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 940 is a window terminal connected to a predetermined financial network, the interface unit 905 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in the card issuing application program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 940 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 905 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuance application program provided by the card issuing server 900, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 940 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 905 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 900, the interface unit 905 connects the communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 9, the card issuing server 900 interworks with the interface unit 905 when a predetermined card issuing terminal 940 is connected to the card issuing server 900 through the interface unit 905. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 940 to the card issuing terminal 940. 910 and an information receiving unit 915 for receiving predetermined card issuing application information transmitted from the card issuing terminal 940 through the user interface (or selected) in cooperation with the interface unit 905; An information generation unit 925 for generating predetermined voucher card information corresponding to the voucher card to be issued to the customer based on the received card issuing application information, and through a predetermined card issuing device A card issuing unit 930 for issuing a predetermined voucher card including the voucher card information, the voucher card information corresponding to the voucher card issued to the customer, the virtual account information, and the customer information are linked to the card information D. And an information storage unit 920 for storing in / B 935.

The interface providing unit 910 corresponds to a functional configuration provided in the card issuing terminal 940 when a predetermined card issuing terminal 940 is connected to the card issuing server 900 through the interface unit 905. Generate (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 900 via the network means, and / or is extracted from a predetermined database (not shown). And provide the generated (or extracted) user interface to the card issuing terminal 940 through the network means in association with the interface unit 905.

Thereafter, the card issuing terminal 940 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. To 900.

According to an embodiment of the present invention, when the card issuing terminal 940 is a window terminal connected to a predetermined financial network, the interface providing unit 910 may be provided as a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the card issuing terminal 940 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 910 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 905. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 940 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 910 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

The information receiving unit 915 inputs (or selects) predetermined card issuing application information from the card issuing terminal 940 through the user interface and transmits the information through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 925.

According to the implementation method of the present invention, the card issuance application information is a voucher card is issued through the voucher card issuing system shown in Figure 9 (or the voucher virtual account opening system shown in Figures 1 and / or 4) Customer information corresponding to the payment virtual account opened through the virtual account and the virtual account information corresponding to the payment virtual account opened in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable.

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

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

The information generating unit 925 generates predetermined voucher card information to be provided in the voucher card to the customer based on the card issuing application information received through the information receiving unit 915.

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

When the predetermined voucher card information included in the voucher card is generated by the information generating unit 925, the card issuing unit 930 generates a voucher card including the voucher card information through a predetermined card issuing device. (Or having the voucher card information on the voucher card), the voucher card is provided (or shipped) to the customer.

If the voucher card is an MS (Magnetic Stripe) card, the card issuing device records the voucher card information on at least one or more MS tracks (eg, track I, track II, track III) included in the voucher card. In this case, the information generation unit 925 generates the voucher card information in a data structure that can be recorded in at least one or more MS tracks, and the card issuing unit 930 through the card issuing device By recording the information on at least one MS track, a predetermined voucher card to be issued to the customer is issued.

Alternatively, if the voucher card is an IC (Integrated Circuit) card, the card issuing device comprises a device for recording the voucher card information in a memory provided on the IC chip of the voucher card, wherein the information generation unit 925 generates the voucher card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 930 is to send the voucher card information through the card issuing device By recording in the memory of the IC chip, a predetermined voucher card to be issued to the customer is issued.

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

Thereafter, the information storage unit 920 includes the voucher card information generated through the information generation unit 925 and the virtual card included in the card issuance application information received from the customer through the information receiving unit 915. It is characterized in that the account information and the customer information is linked to the card information D / B (935) and stored.

10 is a diagram illustrating a voucher card issuing process to be used for financial transactions and / or payments in connection with a voucher payment virtual account according to an embodiment of the present invention.

In more detail, in FIG. 10, in the voucher card issuing system shown in FIG. Through the voucher virtual account opening system shown in FIG. 1 and / or FIG. 4 to the card issuing server 900 through the card issuing server 900 via a client terminal and network means, etc.). When providing predetermined card issuance application information for card payment processing associated with the paid payment virtual account, the card issuance server 900 to the customer based on the provided card issuance application information, the drawings 1 and / or 4 The process of issuing a voucher card linked to a payment virtual account opened in the customer's name through the voucher virtual account opening system shown in As one of ordinary skill in the art to which the present invention pertains, it is possible to infer various implementation methods for issuing the voucher card by referring to and / or modifying the drawing 10. It includes all of the actual method, which is not limited to the embodiment shown in FIG.

For example, FIG. 10 illustrates that the voucher card is produced and provided (or shipped) to the customer, and then, the card information D / B 935 stores predetermined voucher card information, virtual account information, and customer information. However, according to the intention of a person skilled in the art, the process of storing predetermined voucher card information, virtual account information and customer information in the card information D / B 935 may be performed before the voucher card is produced or by the voucher card. It may be performed after being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 10, the card issuing terminal 940 shown in FIG. 9 is referred to as a "terminal" for convenience, and the card issuing server 900 is referred to as a "server" for convenience.

Referring to FIG. 10, in order to issue the voucher card, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, and / or is shown in FIG. If the voucher card issuing system supports a non-face-to-face card issuance application, the customer inputs (or selects) predetermined card issuance application information through a predetermined client terminal and then issues the card through a predetermined card issuance interface. The application information is provided to the server (800).

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

In addition, the card issuing application information provided to the server through the card issuing interface receives a voucher card through the voucher card issuing system shown in FIG. 9 (or the voucher shown in FIGS. 1 and / or 4). Customer information corresponding to the payment virtual account opened through the virtual account opening system; and a virtual account corresponding to the payment virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4; It is preferable to include information.

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

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

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

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

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

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

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

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

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

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

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

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

Thereafter, the server associates the generated voucher card information with the virtual account information provided from the customer and the customer information through the card issuing interface and stores the same in the predetermined card information D / B 935 (830).

According to the method of the present invention, the card information D / B 935 is provided in a DBMS on a predetermined financial system provided on the voucher card issuing system (or associated with the voucher card issuing system), and / Or a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the voucher card information, virtual account information and customer information on the voucher card issuing system.

11 is a diagram illustrating a face-to-face information registration system for financial transactions and / or payments through a voucher card according to one embodiment of the present invention.

In more detail, FIG. 11 is connected to a payment virtual account opened under a predetermined customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher card issuing system shown in FIG. After the predetermined voucher card is issued, the customer information and customer payment card information (e.g., for the financial transaction and / or payment through the voucher card according to the present invention) to the information registration system through the predetermined information registration interface. Credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by a predetermined card company (or financial company)) And voucher card information (for example, the card information issued to the customer through the voucher card issuing system shown in FIG. 9). B) providing the customer card linkage information including at least one, the information registration system uses the customer information included in the provided customer card linkage information to link and process the customer payment card information and the voucher card information. As a system configuration for storing in the storage medium 1130 of the present invention, those skilled in the art to which the present invention belongs, financial reference and / or payment through the voucher card by referring to and / or modified in this figure 11 Various implementation methods for the configuration of the information registration system for payment may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the customer card interworking information provided from the customer on the storage medium 1130 through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 1100" for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, an information registration system for financial transactions and / or payments through a voucher card according to the present invention is provided at a teller terminal 1135 provided at at least one branch of a financial institution. Characterized in that it comprises an information registration terminal comprising a, the information registration terminal is connected to the communication channel and the information registration server 1100 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for financial transaction and / or payment through the voucher card according to the present invention, and through (or through) a window provided at the financial institution branch. A document with a form for filling in at least one item of information for a financial transaction and / or payment via a voucher card (e.g. via an employee) ) And submit the completed application to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal 1135, and the counter terminal 1135 It is preferable to transmit the input (or selected) information to the information registration server 1100 provided on the information registration system through the financial network.

Here, the teller terminal 1135 preferably comprises an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 1100 connected to the teller terminal 1135 is the predetermined finance. Preferably, the system includes a ledger server provided on the system, and the financial network connecting the window terminal 1135 and the information registration server 1100 communicates between the window terminal 1135 and the information registration server 1100. It is preferable to include a network for connecting the channels.

In the information registration system as described above, the financial network connecting the application form prepared by the customer and the teller terminal 1135 and the teller terminal 1135 and the information registration server 1100 used by the teller is the customer. This function performs the function of the information registration interface for registering the customer card linkage information for financial transactions and / or payment settlement through the voucher card according to the present invention.

The storage medium 1130 provided on the information registration system according to the present invention links the customer payment card information and the voucher card information by using the customer information included in the customer card interworking information provided from the information registration terminal. It is characterized in that the processing to store in a predetermined storage medium (1130).

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

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

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

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

According to one embodiment of the invention, the storage medium 1130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1130 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 1100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 1135 connected to a predetermined financial network, the information registration server 1100 is connected to the window terminal 1135 through a predetermined financial network. It may be a ledger server provided on the financial system, and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. This is not limited.

According to the embodiment of the present invention, the information registration server 1100 is characterized in that it comprises an interface unit 1105 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 1135 connected to a predetermined financial network, the interface unit 1105 is based on the protocol stack defined in the financial network. 1135) and a predetermined communication channel, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 1135. Do.

Referring to FIG. 11, when the predetermined information registration terminal is connected to the information registration server 1100 through the interface unit 1105, the information registration server 1100 operates in conjunction with the interface unit 1105. An interface providing unit 1110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined customer card interworking information from the registration terminal and providing the same to the information registration terminal; And an information receiving unit 1115 for receiving predetermined customer card interworking information inputted (or selected) and transmitted from the information registration terminal through the user interface in conjunction with 1105, and validity of the received customer card interworking information. The customer payment card information using the validity check unit 1120 to check and the customer information included in the customer card linkage information of the validity confirmed Processing information associated with the voucher card is characterized in that formed in an information storage unit 1125 which stores a predetermined storage medium (1130).

The interface providing unit 1110, when a predetermined information registration terminal is connected to the information registration server 1100 through the interface unit 1105, the customer card interworking information corresponding to the functional configuration provided in the information registration terminal To generate (or select) a predetermined user interface that can be transmitted to the information registration server 1100 through the financial network, and / or to extract from a predetermined database (not shown), and the interface unit 1105 And the user interface generated (or extracted) to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) customer card interworking information including at least one of the customer information, the customer payment card information, and the voucher card information based on the user interface. The linked customer card interworking information to the information registration server 1100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 1135 connected to a predetermined financial network, the interface providing unit 1110 is a financial transaction related program provided in the window terminal 1135. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the counter terminal 1135 through the interface unit 1105.

The information receiving unit 1115 inputs (or selects) customer card interworking information including at least one of customer information, customer payment card information, and voucher card information through the user interface through the user interface through the financial network. When transmitting, the customer card interworking information is received in cooperation with the interface unit 1105, and the received customer card interworking information is provided to the validity confirming unit 1120.

The validity verification unit 1120 is characterized in that whether the customer card interlocking information received from the information registration terminal satisfies the validity for financial transactions and / or payments through the voucher card.

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

In addition, the validity check of the customer card linkage information, the card ledger corresponding to the voucher card corresponding to the customer information included in the customer card linkage information in the ledger D / B on the financial system associated with the information registration system (eg A voucher card ledger issued to the customer in association with the payment virtual account through the voucher card issuing system shown in FIG. 9, or the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include whether the voucher card ledger associated with the payment virtual account opened in the name) is provided.

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

When the validity of the customer card interworking information is confirmed, the information storage unit 1125 associates the customer payment card information and the voucher card information using the customer information included in the customer card interlocking information and stores the storage medium ( 1130, and when the storage medium 1130 is provided in the information registration server 1100 or on the network associated with the information registration server 1100, the information storage unit ( 1125 is preferably linked to the customer payment card information and the voucher card information by using the customer information included in the received customer card linkage information and stored in the storage medium 1130, the storage medium 1130 Is included in the DBMS provided on the financial system, the information storage unit 1125 uses the customer information included in the received customer card linkage information to determine the customer determination. It is preferable that the card information and the voucher card information is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

Figure 12 illustrates the configuration of customer card interworking information stored in the ledger D / B (1200) provided in the DBMS on the financial system in a face-to-face manner for financial transactions and / or payments through the voucher card according to an embodiment of the present invention One drawing.

More specifically, FIG. 12 illustrates the ledger information provided in the ledger D / B 1200 when the storage medium 1130 illustrated in FIG. 11 is the ledger D / B 1200 provided in the DBMS on the financial system. An information configuration for an embodiment of the method of storing and processing the customer payment card information and the voucher card information by using the customer information included in the customer card interworking information, which is generally in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various information construction methods for storing the customer card interworking information in the ledger D / B 1200 by referring to and / or modifying this drawing 12. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 may include: The ledger corresponding to the welfare fund management account is processed in connection with the ledger D / B 1200 on the financial system, characterized in that the account ledger corresponding to the welfare fund management account is the welfare fund management institution (eg , The Ministry of Health and Welfare and / or each local government) is linked to a predetermined customer ledger.

Here, the customer ledger corresponding to the welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) may include a customer information file (CIF) number, country code, contact person ID, branch number, customer classification, customer name, customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main 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.

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

In addition, the account ledger corresponding to the welfare fund management account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transaction transactions, interest rate account, It includes account ledger information including at least one final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. Periodic reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including the above, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No. Transaction information including at least one bank account line, summary, CIF, and the like.

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the welfare fund management account, the virtual account ledger information is provided on the financial system and the parent account information associated with the virtual account The account ledger included in the ledger D / B 1200 (or the virtual account is assigned to at least one financial transaction requested by the customer (e.g. withdrawal of voucher payments, account transfers, or voucher payments). It is preferred to include at least one ledger information) to be provided for processing).

In addition, the customer (eg, at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and the voucher card associated with the virtual account through the card issuing system shown in FIG. The customer ledger corresponding to the voucher is the customer information file (CIF) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, Expiry date, status headquarters, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

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

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

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

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

According to an embodiment of the present invention, a customer ledger corresponding to a customer who has been issued a predetermined voucher card linked to the virtual account ledger through the card issuing system shown in FIG. 9 may include a card ledger corresponding to the voucher card. And the card ledger corresponding to the voucher card includes a voucher card number corresponding to the voucher card, and further includes a voucher card validity period and / or a virtual account associated with the voucher card. Customer identification information assigned to the customer by the corresponding welfare institution (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher certificate card).

Figure 13 is a customer card stored in a database associated with the ledger D / B 1300 provided in a DBMS on a financial system in a face-to-face manner for financial transactions and / or payments through a voucher card according to another embodiment of the present invention. It is a figure which shows the structure of interworking information.

In more detail, FIG. 13 illustrates a case in which the storage medium 1130 shown in FIG. 11 includes a predetermined database linked to the ledger D / B 1300 provided in a DBMS on a financial system. An information structure for an exemplary embodiment of a method of linking and storing the customer payment card information and the voucher card information by using the customer information included in the card interlocking information, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer a variety of information configuration method for storing and linking the customer card linkage information with the ledger D / B (1300) in a predetermined database by referring to and / or modified in this figure 13, The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In particular, in FIG. 13, when it is not easy to store the customer payment card information in the ledger information of the ledger D / B 1300 on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution, the ledger of the DBMS). When it is not easy to change the D / B 1300 or the system expansion is not easy due to the characteristics of the financial system), the customer payment card information is stored in a predetermined database instead of the ledger D / B 1300. FIG. 3 illustrates an implementation method of linking and storing the database and the ledger D / B 1300.

In addition, the database shown in FIG. 13 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 13, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to the present invention, the database is characterized in that the customer payment card information and the voucher card information by using the customer information included in the customer card linkage information linked processing and stored, the database is the ledger D / B ( 1300, it is preferable to further include a CIF number confirmed through the customer information included in the customer card linkage information.

Referring to FIG. 13, the database includes customer payment card information included in the customer card linkage information and a voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

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

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

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

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 9 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period. And / or customer unique information assigned to the customer by a welfare institution corresponding to the virtual account associated with the voucher card (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher certificate card). Etc.).

14 is a diagram showing the configuration of customer card interworking information stored in the DBMS provided in the payment server in a face-to-face manner for financial transactions and / or payments through the voucher card according to another embodiment of the present invention.

More specifically, in Figure 14, the storage medium 1130 shown in Figure 11 is a predetermined payment provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. When provided in the DBMS provided in the server, and relates to an embodiment method for storing the customer payment card information and the voucher card information linked to the DBMS using the customer information included in the customer card linkage information, Those skilled in the art to which the present invention pertains can refer to and / or modify this figure 14 to configure information on customer card interworking information stored in a predetermined DBMS provided in at least one or more payment servers. It may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. do.

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

Referring to FIG. 14, the DBMS includes customer payment card information included in the customer card linkage information and voucher card information (eg, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

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

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

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

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 9 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period and / Or customer-specific information assigned to the customer by the welfare institution corresponding to the virtual account associated with the voucher card (for example, serial number (or unique number) included in the voucher certificate, card number included in the voucher certificate card, etc.) )

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

In more detail, in FIG. 15, the information registration server 1100 on the information registration system shown in FIG. 11 has a ledger server (not shown) function on the financial system linked to the counter terminal 1135 through a predetermined financial network. In one case, the window terminal 1135 connects to the information registration server 1100 to connect a communication channel for information registration according to the present invention, and then to the information registration server 1100 through the communication channel. Among the credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by the customer information and customer payment card information (for example, a predetermined card company (or financial company)) Card information having at least one payment method) and voucher card information (for example, card information issued to the customer through the voucher card issuing system shown in FIG. 9). When the customer card interlocking information is transmitted, the information registration server 1100 stores the predetermined information by linking the customer payment card information and the voucher card information using the customer information included in the received customer card interlocking information. A method for storing information in a medium 1305, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 15 and the information registration server (1135) in the window terminal (1135). Although various implementation methods for registering the customer card interworking information may be inferred with 1100, the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

In the following figure 15, the window terminal 1135 shown in FIG. 11 is referred to as "terminal" for convenience, and the information registration server 1100 shown in FIG. 11 is referred to as "server" for convenience, and the window terminal ( The customer information, the customer payment card information, and the voucher card information transmitted to the information registration server 1100 in 1135 are referred to as "customer card linkage information" for convenience.

Referring to FIG. 15, the window terminal 1135 shown in FIG. 11 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the customer card linkage information, and connects the voucher card. When requesting registration of the customer card linkage information for financial transaction and / or payment through the internet (1500), the server generates (or extracts) a predetermined information registration interface for registering the customer card linkage information (1505). In operation 1510, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

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

Thereafter, the terminal inputs (or selects) at least one customer information, customer payment card information, and voucher card information including customer card interworking information through the information registration interface (1515).

If the terminal inputs (or selects) customer card interworking information including the customer information, customer payment card information, and voucher card information through the information registration interface (1520), the terminal inputs the information through the financial network. The customer card linkage information including the selected customer information, customer payment card information, and voucher card information is transmitted to the server (1525).

Thereafter, the server receives and reads the customer information, the customer payment card information, and the voucher card information through the financial network to confirm the validity of the customer card interworking information (1530).

According to an embodiment of the present invention, the validity check of the customer card linkage information may be performed on the voucher virtual shown in FIG. 1 and / or FIG. 4 in the ledger D / B 1300 on the financial system associated with the information registration system. It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card linkage information is provided among at least one voucher virtual account registered through the account opening system. .

In addition, the validity check of the customer card linkage information, the card corresponding to the voucher card matching the customer information included in the customer card linkage information in the ledger D / B (1300) on the financial system associated with the information registration system Ledger (for example, a voucher card ledger issued to the customer in connection with the payment virtual account through the voucher card issuing system shown in FIG. 9 or the voucher virtual account opening system shown in FIGS. 1 and / or 4). It is preferable to include whether the voucher card ledger associated with the payment virtual account opened in the name of the customer is provided.

In addition, the validation of the customer card linkage information corresponds to a customer payment card matching the customer information included in the customer card linkage information in the ledger D / B 1300 on the financial system associated with the information registration system And checking whether a card ledger (for example, a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card) is provided. desirable.

If the validity of the customer card interworking information is not authenticated (1535), the server generates predetermined information registration error information and transmits it to the terminal (1540), and performs an information registration procedure corresponding to the customer card interworking information. Do not perform.

On the other hand, if the validity of the customer card linkage information is authenticated (1535), the server performs an information registration procedure corresponding to the customer card linkage information, thereby using the customer information to the customer payment card information and voucher card information In operation 1545, the data is stored in a predetermined storage medium 1305.

According to one embodiment of the invention, the storage medium 1305 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1305 may be a ledger D / B 1300 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1300, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 1305 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1550), thereby completing the procedure of registering the customer card linkage information transmitted from the terminal.

16 is a diagram illustrating a non-face-to-face information registration system for financial transactions and / or payments through a voucher card according to another embodiment of the present invention.

In more detail, FIG. 16 is connected to a payment virtual account opened under a predetermined customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the voucher card issuing system shown in FIG. After the predetermined voucher card is issued, the customer information and customer payment card information (e.g., for the financial transaction and / or payment through the voucher card according to the present invention) to the information registration system through the predetermined information registration interface. Credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by a predetermined card company (or financial company)) And voucher card information (for example, a card issued to the customer through the voucher card issuing system shown in FIG. 9). B) providing the customer card linkage information including at least one, the information registration system uses the customer information included in the provided customer card linkage information to link and process the customer payment card information and the voucher card information. As a system configuration for storing in the storage medium 1630 of the present invention, those skilled in the art to which the present invention pertains, the financial transaction and / or payment through the voucher card by referring to and / or modified in this figure 16 Various implementation methods for the configuration of the information registration system for payment may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the customer card interworking information provided from the customer on the storage medium 1630 on the information registration system shown in FIG. 16 through a predetermined information registration interface. The component to be referred to as "information registration server 1600" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, an information registration system for financial transactions and / or payments through a voucher card according to the present invention includes at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal including at least one client terminal and the like, wherein the information registration terminal communicates with the information registration server 1600 provided on the information registration system through a predetermined network means. The channel is connected.

According to one embodiment of the present invention, the customer accesses the information registration server 1600 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, If the client terminal inputs (or selects) the customer card interworking information for the financial transaction and / or payment through the voucher card according to the present invention through at least one user interface provided by the information registration server 1600, the client terminal It is preferable to transmit to the information registration server 1600 provided on the information registration system through a predetermined network means.

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

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

In addition, the information registration server 1600 connected to the client terminal may be any one of an Internet banking server and / or a wireless banking server and / or a tele banking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the information registration server 1600 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1600, and inputs and / or selects at least one or more information through the user interface to the information registration server 1600. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 1600, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 1600 and And / or the wireless network performs a function of an information registration interface for the customer to register customer card linkage information for financial transactions and / or payments through the voucher card according to the present invention.

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

In the above information registration system, when the information registration terminal is the financial autonomous device (not shown), the financial automatic device (not shown), the financial automated device (not shown) and the information registration server 1600 Is connected to the financial network and performs the function of the information registration interface for registering the customer card linkage information for the customer to the financial transactions and / or payments through the voucher card according to the present invention, and / or the information registration When the terminal is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1600 are viewed by the customer. Perform a function of an information registration interface for registering customer card linkage information for financial transactions and / or payments through the voucher card according to the invention, and / or In case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is an information registration terminal, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and a network connecting the information registration server 1600 has a function of an information registration interface for registering the customer card interworking information for the financial transaction and / or payment through the voucher card according to the present invention. Perform

The storage medium 1630 provided on the information registration system according to the present invention links the customer payment card information and the voucher card information by using the customer information included in the customer card interworking information provided from the information registration terminal. Process and store the same in a predetermined storage medium 1630.

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

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

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

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

According to one embodiment of the invention, the storage medium 1630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another method of the present invention, the storage medium 1630 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 1600 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 1600 is connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the outside world of the financial system through the internet banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). C) and / or a program provided to the outside world on the financial system, whereby Shall not.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1600 is located on the wireless banking system. A predetermined wireless banking server, and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1600 is located on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited You are good.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1600 is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1600 is characterized by comprising an interface unit 1605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 1605 may include the wired network. And / or connect a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It would be desirable to provide a communication interface for a network.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an Internet banking program) provided by the information registration server 1600, the interface unit 1605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1605 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1600, the interface unit 1605 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1605 is connected to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1605 uses a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 16, when the predetermined information registration terminal is connected to the information registration server 1600 through the interface unit 1605, the information registration server 1600 interworks with the interface unit 1605 to provide the information. An interface providing unit 1610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer card interworking information to the registration terminal, and the interface unit 1605. Information receiving unit 1615 for receiving predetermined customer card interworking information input (or selected) and transmitted from the information registration terminal through the user interface, and the customer included in the received customer card interworking information. An information storage unit 1625 is configured to store the information on the customer payment card information and the voucher card information in a predetermined storage medium 1630 by using the information. And it characterized in that formed.

The interface providing unit 1610, when a predetermined information registration terminal is connected to the information registration server 1600 through the interface unit 1605, the customer card interworking information corresponding to the functional configuration provided in the information registration terminal To generate (or select) a predetermined user interface which can be transmitted to the information registration server 1600 via the network means, and / or extract from a predetermined database (not shown), and the interface unit 1605 And the user interface generated (or extracted) to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) customer card interworking information including at least one of the customer information, customer payment card information, and voucher card information based on the user interface, and the input (or selected) The customer card interworking information is transmitted to the information registration server 1600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 1610 may be configured as the client. Generating (or extracting) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the terminal, and providing the generated (or extracted) user interface to the client terminal through the interface unit 1605. It is preferable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1610 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1610 is connected to the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1605. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1610 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1605.

The information receiving unit 1615 inputs (or selects) customer card interworking information including at least one of customer information, customer payment card information, and voucher card information through the user interface through the user interface through the network means. When transmitting, the customer card interworking information is received in cooperation with the interface unit 1605, and the received customer card interworking information is provided to the validity confirming unit 1620.

The validity confirming unit 1620 is characterized by checking whether the customer card interworking information received from the information registration terminal satisfies the validity for financial transactions and / or payments through the voucher card.

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

In addition, the validity check of the customer card linkage information, the card ledger corresponding to the voucher card corresponding to the customer information included in the customer card linkage information in the ledger D / B on the financial system associated with the information registration system (eg A voucher card ledger issued to the customer in association with the payment virtual account through the voucher card issuing system shown in FIG. 9, or the voucher virtual account opening system shown in FIGS. 1 and / or 4. It is preferable to include whether the voucher card ledger associated with the payment virtual account opened in the name) is provided.

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

When the validity of the customer card linkage information is confirmed, the information storage unit 1625 uses the customer information included in the customer card linkage information to process the customer payment card information and the voucher card information in association with the storage medium ( 1630, and when the storage medium 1630 is provided in the information registration server 1600, or provided on the network associated with the information registration server 1600, the information storage unit ( In operation 1625, the customer payment card information and the voucher card information may be cooperatively stored using the customer information included in the received customer card interworking information, and stored in the storage medium 1630, and the storage medium 1630. Is provided in the DBMS provided on the financial system, the information storage unit 1625 uses the customer information included in the received customer card linkage information for the customer Providing a first card and a card voucher information to step through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

Figure 17 illustrates the configuration of customer card linkage information stored in the ledger D / B (1700) provided in the DBMS on the financial system in a non-face-to-face for financial transactions and / or payments through the voucher card according to an embodiment of the present invention Figure is shown.

In more detail, in FIG. 17, when the storage medium 1630 shown in FIG. 16 is the ledger D / B 1700 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 1700 is shown in FIG. An information configuration for an embodiment of the method of storing and processing the customer payment card information and the voucher card information by using the customer information included in the customer card interlocking information, which is common in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various information construction methods for storing the customer card interworking information in the ledger D / B 1700 by referring to and / or modifying the drawing 17, but the present invention is inferred It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 17 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 may include: The ledger D / B 1700 on the financial system is processed in association with the account ledger corresponding to the welfare fund management account, and the account ledger corresponding to the welfare fund management account is the welfare fund management institution (for example, , The Ministry of Health and Welfare and / or each local government) is linked to a predetermined customer ledger.

Here, the customer ledger corresponding to the welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) may include a customer information file (CIF) number, country code, contact person ID, branch number, customer classification, customer name, customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President , Sector, legal representative, date of first transaction, TRW, DB, usage, parent company number. Including at least one 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 It is preferable to make.

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

In addition, the account ledger corresponding to the welfare fund management account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transaction transactions, interest rate account, It includes account ledger information including at least one final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. Periodic reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of settlement Transaction information including at least one bank account line, summary, CIF, and the like.

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the welfare fund management account, the virtual account ledger information is provided on the financial system and the parent account information associated with the virtual account The account ledger included in the ledger D / B 1700 (or the virtual account to which the customer requests at least one financial transaction (e.g. withdrawal of voucher payments, transfers, or voucher payments). It is preferred to include at least one ledger information) to be provided for processing).

In addition, the customer (eg, at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and the voucher card associated with the virtual account through the card issuing system shown in FIG. The customer ledger corresponding to the voucher is the customer information file (CIF) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, Expiry Date, Status Head Office, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

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

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

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

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

According to an embodiment of the present invention, a customer ledger corresponding to a customer who is issued a predetermined voucher card linked to the virtual account ledger through the card issuing system shown in FIG. 9 is relational with the card ledger corresponding to the voucher card. The card ledger corresponding to the voucher card includes a voucher card number corresponding to the voucher card, and additionally corresponds to the voucher card validity period and / or a virtual account associated with the voucher card. It includes the customer unique information (for example, serial number (or unique number) contained in the voucher certificate, or card number included in the voucher certificate card) assigned to the customer by the welfare institution.

18 is a customer stored in a database associated with the ledger D / B 1800 provided in the DBMS on the financial system in a non-face-to-face manner for financial transactions and / or payments through the voucher card according to another embodiment of the present invention. It is a figure which shows the structure of card interworking information.

In more detail, FIG. 18 shows that when the storage medium 1805 shown in FIG. 16 includes a predetermined database linked to the ledger D / B 1800 included in the DBMS on the financial system, the customer is stored in the database. An information structure for an exemplary embodiment of a method of linking and storing the customer payment card information and the voucher card information by using the customer information included in the card interlocking information, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer a variety of information configuration method of referring to and / or modifying the Figure 18 in a predetermined database to store the customer card linkage information in association with the ledger D / B (1800), The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 18, when it is not easy to store the customer payment card information in the ledger information of the ledger D / B 1800 on the DBMS provided on the financial system (for example, in the policy of the financial institution, If it is not easy to change the ledger D / B 1800, or the system expansion is not easy due to the characteristics of the financial system), the customer payment card information is stored in a predetermined database instead of the ledger D / B 1800. And, it illustrates an implementation method for storing the database and the ledger D / B (1800) in association.

In addition, the database shown in FIG. 18 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 18, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to the present invention, the database is characterized in that the customer payment card information and the voucher card information by using the customer information included in the customer card linkage information linked processing and stored, the database is the ledger D / B ( 1800) is preferably made further comprising a CIF number confirmed through the customer information included in the customer card linkage information.

Referring to FIG. 18, the database may include customer payment card information included in the customer card interworking information and voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

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

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

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

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 9 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period and / Or customer-specific information assigned to the customer by the welfare institution corresponding to the virtual account associated with the voucher card (for example, serial number (or unique number) included in the voucher certificate, card number included in the voucher certificate card, etc.) )

19 is a diagram illustrating a configuration of customer card interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions and / or payment through a voucher card according to another embodiment of the present invention.

In more detail, FIG. 19 shows that the storage medium 1805 shown in FIG. 16 includes a predetermined banking system provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. When provided in the DBMS provided in the server, and relates to an embodiment method for storing the customer payment card information and the voucher card information linked to the DBMS using the customer information included in the customer card linkage information, Those skilled in the art to which the present invention pertains can refer to and / or modify this figure 19 to configure information on customer card interworking information stored in a predetermined DBMS provided in at least one banking server. It may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. do.

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

Referring to FIG. 19, the DBMS includes customer payment card information included in the customer card linkage information and voucher card information (for example, a customer opened through the voucher virtual account opening system shown in FIGS. 1 and / or 4). Voucher card information issued to the customer in association with the voucher virtual account of the name) is stored in a linked process.

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

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

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

According to an embodiment of the present invention, the voucher card information corresponding to the voucher card issued through the card issuing system shown in FIG. 9 includes a voucher card number corresponding to the voucher card, and additionally the voucher card validity period and / Or customer-specific information assigned to the customer by the welfare institution corresponding to the virtual account associated with the voucher card (for example, serial number (or unique number) included in the voucher certificate, card number included in the voucher certificate card, etc.) )

20 is a diagram illustrating a process of registering customer card linkage information in a non-face-to-face manner for financial transactions and / or payments through a voucher card according to one embodiment of the present invention.

In more detail, in FIG. 20, when the information registration server 1600 on the information registration system shown in FIG. 16 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to an information registration server 1600 and connecting a communication channel for information registration according to the present invention, the customer information and customer payment card information (for example, predetermined) to the information registration server 1600 through the communication channel. Credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid card payment means issued to the customer by a card company (or financial company); and Voucher card information (for example, card information issued to the customer through the voucher card issuing system shown in FIG. 9). When the customer card linkage information is transmitted, the information registration server 1600 uses the customer information included in the received customer card linkage information to process the customer payment card information and the voucher card information in a predetermined storage medium ( 1805, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 20, and the client terminal from the client terminal to the information registration server 1600. Various implementation methods for registering card interworking information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the client terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the information registration server 1600 shown in FIG. 16 is called "server" for convenience, and the information registration is performed in the client terminal. The customer information, the customer payment card information, and the voucher card information transmitted to the server 1600 are referred to as "customer card linkage information" for convenience.

Referring to FIG. 20, when the client terminal shown in FIG. 16 is a predetermined network means (eg, the client terminal is a wired terminal 1635), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1640. Is connected to the server via a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc., and connects a predetermined communication channel for registering the customer card interworking information, and finances through the voucher card. When requesting registration of the customer card linkage information for transaction and / or payment (2000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer card linkage information ( 2005) and transmits and outputs the generated (or extracted) web page to the terminal through the communication channel (2010).

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

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

Thereafter, the terminal inputs (or selects) at least one or more customer information, customer payment card information, and voucher card information including customer card interworking information through the information registration interface (2015).

If the terminal inputs (or selects) customer card interworking information including the customer information, customer payment card information, and voucher card information through the information registration interface (2020), the terminal receives the input through the communication channel. (2025) The selected customer information, customer payment card information, and voucher card information are transmitted to the server.

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

Thereafter, the server receives and reads the customer information, the customer payment card information, and the voucher card information through the communication channel to confirm the validity of the customer card interworking information (2030).

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

According to an embodiment of the present invention, the validity check of the customer card interworking information may be performed on the voucher virtual shown in Figs. 1 and / or 4 in the ledger D / B 1800 on the financial system associated with the information registration system. It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card linkage information is provided among at least one voucher virtual account registered through the account opening system. .

In addition, the validity check of the customer card linkage information, the card corresponding to the voucher card matching the customer information included in the customer card linkage information in the ledger D / B 1800 on the financial system associated with the information registration system Ledger (for example, a voucher card ledger issued to the customer in connection with the payment virtual account through the voucher card issuing system shown in FIG. 9 or the voucher virtual account opening system shown in FIGS. 1 and / or 4). It is preferably made through including whether the voucher card ledger associated with the payment virtual account opened in the name of the customer is provided.

In addition, the validity check of the customer card linkage information corresponds to the customer payment card matching the customer information included in the customer card linkage information in the ledger D / B 1800 on the financial system associated with the information registration system And checking whether a card ledger (for example, a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card) is provided. It is preferable.

If the validity of the customer card interworking information is not authenticated (2035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2040), corresponding to the customer card interworking information. Do not perform the information registration procedure.

On the other hand, if the validity of the customer card linkage information is authenticated (2035), the server performs an information registration procedure corresponding to the customer card linkage information, thereby using the customer information to the customer payment card information and voucher card information Cooperative processing is performed to store the data in a predetermined storage medium 1805 (2045).

According to one embodiment of the invention, the storage medium 1805 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1805 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 1805 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2050), thereby completing the procedure of registering the customer card interworking information transmitted from the terminal.

21A and 21B illustrate a process of registering customer card linkage information in a non-face-to-face manner for financial transactions and / or payments through a voucher card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 21A and 21B illustrate a case in which the information registration system illustrated in FIG. 16 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal provides predetermined customer card interworking information for financial transactions and / or payment through the voucher card. A banking server provides credit card payment means and / or check card payment means and / or debit card payment means and / or prepaid cards issued to the customer by the customer information and customer payment card information (e.g., a predetermined credit card company (or financial company)). Card information having at least one payment method among payment methods) and voucher card information (e.g., FIG. 9). When the customer card interworking information including the card information issued to the customer through the illustrated voucher card issuing system is transmitted, the information registration server 1600 uses the customer information included in the received customer card interworking information. This embodiment relates to a method of storing the customer payment card information and the voucher card information in a predetermined storage medium 1805, the person having ordinary knowledge in the technical field to which the present invention belongs, While referring to and / or modifying 21b, it is possible to infer various implementation methods for registering the customer card linkage information from the client terminal to the information registration server 1600, but the present invention includes all the implementation methods inferred. However, the present invention is not limited to the implementation method shown in FIGS. 21A and 21B.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Microsoft's Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 21A and 21B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the customer card interworking information between the client terminal and the Internet banking server based on the present invention, if one of ordinary skill in the art Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 21a and 21b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Customer card Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering interworking information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 21a and 21b, a telebanking system And / or the other banking system, such as a wireless banking system and / or TV banking system may be inferred the implementation method for connecting a non-face-to-face channel-based financial transaction channel for registering customer card linkage information, the present invention is the telebanking It includes all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or future non-face-to-channel banking systems, the technical construction of the present invention being described with reference to FIG. It is by no means limited to the case of Internet banking shown in Fig. 21B.

21A and 21B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1600 is referred to as " server " for convenience.

21A and 21B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2100a), the server communicates between the terminal and the server through the browser. (2105a), wherein the communication channel is generated (or extracted) by a request of a browser program provided to the client terminal in the server and transmitted to the client terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2110a).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (2115a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2120a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2125a), or if the terminal does not need to install and / or update the Internet banking security module (2115a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2130a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided from the terminal to the server for registering customer card linkage information. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined electronic signature to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and And / or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registering customer card linkage information. Attach and / or write down certain electronic signatures to the information (or data) to be provided When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2135a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2140a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (2145a).

If the Internet banking customer authentication fails (2150a), the server blocks the Internet banking security channel for the terminal (2155a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (2160a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined customer card interworking information for financial transactions and / or payment through the voucher card from the terminal to the server.

Thereafter, when the terminal requests internet banking-based customer card linkage information registration to the server through the inter-banking-based financial transaction channel to register customer card linkage information (2100b), the server registers the customer card linkage information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (2105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (2110b). ).

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

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

Thereafter, the terminal inputs (or selects) customer card interworking information including at least one of the customer information, customer payment card information, and voucher card information through the information registration interface (2115b).

If the terminal inputs (or selects) customer card interworking information including the customer information, customer payment card information, and voucher card information through the information registration interface (2120b), the terminal receives the financial transaction channel. The input (or selected) customer card interworking information is transmitted to the server (2125b).

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

Thereafter, the server receives and reads the customer card interworking information through the financial transaction channel to check the validity of the customer card interlocking information (2130b).

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

In addition, the validation of the customer card interworking information is preferably made, further comprising authenticating a password and / or security code and / or OTP included in the customer card interlocking information.

According to an embodiment of the present invention, the validity check of the customer card interworking information may be performed on the voucher virtual shown in Figs. 1 and / or 4 in the ledger D / B 1800 on the financial system associated with the information registration system. It is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the customer information included in the customer card linkage information is provided among at least one voucher virtual account registered through the account opening system. .

In addition, the validity check of the customer card linkage information, the card corresponding to the voucher card matching the customer information included in the customer card linkage information in the ledger D / B 1800 on the financial system associated with the information registration system Ledger (for example, a voucher card ledger issued to the customer in connection with the payment virtual account through the voucher card issuing system shown in FIG. 9 or the voucher virtual account opening system shown in FIGS. 1 and / or 4). It is preferably made through including whether the voucher card ledger associated with the payment virtual account opened in the name of the customer is provided.

In addition, the validity check on the customer card linkage information, corresponding to the customer payment card matching the customer information included in the customer card linkage information in the ledger D / B 1800 on the financial system associated with the information registration system And checking whether a card ledger (for example, a card ledger corresponding to a credit card, a card ledger corresponding to a check card, a card ledger corresponding to a debit card, or a card ledger corresponding to a prepaid card) is provided. desirable.

If the validity of the customer card interworking information is not authenticated (2135b), the server generates a web page including predetermined customer card interworking information registration error information and transmits it to the terminal (2140b), and the customer card interworking Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the customer card interlocking information is authenticated (2135b), the server performs an information registration procedure corresponding to the customer card interlocking information, so that the customer payment using the customer information included in the customer card interlocking information The card information and the voucher card information are cooperatively processed and stored in the predetermined storage medium 1805 (2145b).

According to one embodiment of the invention, the storage medium 1805 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1805 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 1805 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined customer card linkage information registration history information and transmits it to the terminal (2150b), thereby completing the registration of the customer card linkage information transmitted from the terminal.

By using the voucher card issued through the card issuing system shown in Fig. 9 through the drawing shown in Fig. 25 through Fig. 22, the voucher virtual account opening system shown in Figs. By explaining and explaining a financial transaction method of withdrawing a predetermined amount deposited in a voucher payment virtual account opened in the name of a customer, the ledger D / B 1800 equipped with a virtual account ledger corresponding to the voucher payment virtual account is provided. The process of storing the virtual account withdrawal history corresponding to the voucher payment virtual account based financial transaction will be described.

However, an implementation method corresponding to FIG. 22 to FIG. 25, in which the virtual account withdrawal corresponding to the voucher payment virtual account based financial transaction is shown in the virtual account ledger provided in the ledger D / B 1800 on the financial system. The virtual account withdrawal history corresponding to the voucher payment virtual account-based financial transaction is not limited to the offline withdrawal transaction included in the voucher payment. Characterized in that made.

That is, according to the implementation method illustrated in FIG. 22 to FIG. 25, the virtual account withdrawal history corresponding to the voucher payment virtual account based financial transaction is stored in the virtual account ledger provided in the ledger D / B 1800 on the financial system. It is only a preferable implementation method for explaining this efficiently.

22 is a diagram showing the configuration of a financial terminal 2200 operating system for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

In more detail, FIG. 22 illustrates a financial terminal 2200 operating system including a cash dispenser (CD) and / or an automatic teller machine (ATM). The amount deposited in at least one voucher virtual account opened to a predetermined customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher card information registered through the information registration system shown in FIG. As a configuration of the financial terminal 2200 operating system for withdrawing money, the person with ordinary knowledge in the technical field to which the present invention belongs, offline withdrawal of the amount deposited in the voucher virtual account by referring to and / or modified the present drawing 22 For various embodiments of the financial terminal 2200 operating system configuration can be inferred, but the present invention is all inferred implementation method It is made, including, to which the technical feature that is not limited to the exemplary method shown in the figure 22.

Register and manage the voucher card information registered through the information registration system shown in FIGS. 11 and / or 16, and at least to a predetermined customer through the voucher virtual account opening system shown in FIGS. A financial institution that has opened one or more voucher virtual accounts has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It is done.

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). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal 2200 including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution. At least one financial terminal 2200 provided in at least one affiliated financial institution (and / or another financial institution branch) associated with it, and / or at least one financial terminal 2200 provided in a public place and predetermined financing It is characterized in that connected via a network (for example, CD common network), and provides the financial transaction services of the non-face-to-face manner for at least one or more financial transaction customers through the financial terminal (2200).

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 is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

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) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

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 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 services.

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 a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

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 ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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 And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 22, 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 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 the cooperative process is stored as.

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.

According to the present invention, the amount of money deposited in the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is registered through the information registration system shown in FIGS. 11 and / or 16. In order to withdraw money through the financial terminal 2200 including the CD / ATM using the customer card based on the voucher card information, the CD / ATM unit provided in the external system on the financial system, the financial network Receives a predetermined financial instrument request message including the customer card information from the financial terminal 2200, and is shown in Figure 11 and / or Figure 16 based on the customer card information included in the financial instrument request message By querying the ledger D / B that stores the registered voucher card information through the registered information registration system, the customer card is the voucher virtual account shown in Figs. 1 and / or 4 It is characterized by checking whether it is linked with the registered voucher virtual account through the open system.

If the customer card is not associated with the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the CD / ATM unit checks the financial means information corresponding to the customer card. In addition, a predetermined financial means providing a full text including the financial means information is generated and transmitted to the financial terminal 2200 through the financial network.

Thereafter, the financial terminal 2200 generates a predetermined financial transaction request message including the financial means information and transmits the predetermined financial transaction request message to the financial system. In response, the CD / ATM unit provides a predetermined financial transaction request message corresponding to the financial transaction request message. A financial transaction is processed, and a corresponding financial transaction response message is generated and transmitted to the financial terminal 2200.

On the other hand, if the customer card is associated with a voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the CD / ATM unit is based on the customer card information. Or check the financial means information corresponding to the voucher virtual account ledger information included in the voucher card information registered through the information registration system shown in FIG. 16, and the financial means information corresponding to the voucher virtual account ledger information and the customer. A predetermined financial means providing full text including financial means information corresponding to a card is generated and transmitted to the financial terminal 2200 through the financial network.

Thereafter, the financial terminal 2200 selects financial instrument target financial instrument information from financial instrument information corresponding to the voucher virtual account ledger information and financial instrument information corresponding to the customer card.

If the financial terminal 2200 withdraws the amount deposited in the voucher virtual account opened to the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the voucher virtual account ledger information may be used. When the corresponding financial means information is selected and predetermined withdrawal amount information is input, the financial terminal 2200 generates a full financial transaction request message including the financial means information and the withdrawal amount corresponding to the voucher virtual account ledger information. In response, the CD / ATM unit processes a financial transaction to withdraw the withdrawal amount from the voucher virtual account in response to the financial transaction request message, and generates a corresponding financial transaction response message. The financial terminal 2200 is transmitted to the financial terminal 2200, and when the financial transaction is effectively processed, the financial terminal 2200 withdraws the withdrawal. Cash corresponding to withdraw to the customer.

According to another embodiment of the present invention, the customer card is an open IC card, and the IC card storage information corresponding to the voucher card information is stored in the customer card in the information registration system shown in FIGS. 11 and / or 16. In this case, the process of confirming and selecting the financial instrument information corresponding to the voucher virtual account ledger information is processed in connection with the IC card, so that the process of transmitting the full financial instrument request message from the financial terminal 2200 to the financial system is omitted. The present invention is not limited thereto.

23 is a diagram showing the functional configuration of the financial terminal 2200 for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

More specifically, FIG. 23 illustrates a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a given financial institution (eg, a commercial bank branch) and / or in a public place. In the financial terminal 2200, it shows a preferred functional configuration that provides an offline withdrawal function of the amount deposited in the voucher virtual account according to the present invention, if the person skilled in the art to which the present invention belongs Various implementation methods for the financial terminal 2200 providing an offline withdrawal function of the amount deposited in the voucher virtual account according to the present invention may be inferred by referring to FIG. 23 and / or modified, but the present invention is inferred from the above. It includes all implementation methods and is not limited by the implementation method shown in FIG.

Referring to FIG. 23, the financial terminal 2200 recognizes a voucher card (or customer card) to obtain predetermined voucher card information, and each of the financial terminals 2200 provided through the financial terminal 2200. A screen output unit 2315 for outputting a processing screen at the financial transaction stage, a key input unit 2320 for receiving predetermined information according to each financial transaction stage, and a communication unit communicating with the financial system through a predetermined financial network ( 2330, a memory unit 2355 for storing the at least one financial transaction processing information for the financial transaction processing by the financial terminal 2200, predetermined financial transaction history information after the financial transaction, and each financial transaction. The cash payment unit 2340 for providing the cash according to the customer and the power supply unit 2325 for supplying power to the financial terminal 2200 and at least one terminal function unit 2335 and the financial terminal 2200 Each function And a controller 2305 for controlling the component.

The control unit 2305 controls the overall operation of the financial terminal 2200 in function configuration, manages the flow of information or data between each component, and performs offline withdrawal transactions of the amount deposited in the voucher virtual account according to the present invention. In order to control at least one or more components provided in the financial terminal 2200, and at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) For example, it comprises a register) and a bus (BUS) for inputting and outputting predetermined data and at least one electronic circuit (or integrated circuit) therefor, and also a financial terminal for performing a specific function in software. Loading into the execution memory from a predetermined recording medium provided at 2200 and by the processor It is characterized in that it comprises a predetermined program routine (Routine) and / or program data to be processed. In particular, the control unit 2305 includes a predetermined operating system and / or a terminal control program routine that manages the financial terminal 2200 after the financial terminal 2200 is booted by software. 23 is a diagram illustrating, for convenience, at least one or more program components provided in the financial terminal 2200 for offline withdrawal transaction of the amount deposited in the voucher virtual account according to the present invention.

The card reader unit 2310 may provide an interface between the voucher card and the financial terminal 2200 to read at least one or more information or data included in the voucher card for at least one or more financial transactions. MS Reader interface to MS (Magnetic Stripe) card based on ISO / IEC 7810 standard with financial terminal 2200, and / or for offline withdrawal transaction processing of money deposited in voucher virtual account. A contact IC reader unit for interfacing a contact integrated IC card with the financial terminal 2200 and / or a contactless IC reader for interfacing a contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 2200. And a contact IC reader unit and / or a non-contact IC reader unit corresponding to the IC card reader provided in the financial terminal 2200. desirable.

The MS reader unit is a card reader unit 2310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS track of the MS card, the predetermined information or data is characterized in that the interface to the financial terminal 2200.

The contact IC reader unit is a card reader unit 2310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the terminal 2200.

The non-contact IC reader unit is a card reader unit 2310 based on ISO / IEC 14443. At least one of the non-contact IC card is in contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It comprises the above antenna, the power supply to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal It is characterized in that the interface to (2200).

The screen output unit 2315 is previously defined to be output from the financial terminal 2200 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the control unit 2305. Or outputting at least one information or data which is defined in real time, and the key data and finance inputted through the key input unit 2320 to the information or data predefined to be output on the screen by the financial terminal 2200. It includes information stored or generated by a component included in the terminal 2200, information transmitted and received through the communication unit 2330, and data corresponding to a predetermined operation result performed by the financial terminal 2200.

According to the exemplary embodiment of the present invention, the screen output unit 2315 outputs the processing screen and / or the interface screen according to the offline withdrawal transaction step of the amount deposited in the voucher virtual account according to the present invention to a predetermined screen output device. It is preferable.

The key input unit 2320 has a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the financial terminal 2200 controlled by the controller 2305. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2305. The control unit 2305 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 2200, and / or is defined to match the key event. And an instruction to be executed to perform the functions characterized in that the pickup. The key input unit 2320 and the key input device including at least one or more key buttons interoperate with each other to perform a function of key input means provided in the financial terminal 2200.

According to the exemplary embodiment of the present invention, a key input device interworking with the key input unit 2320 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 2320 preferably receives at least one or more pieces of information from a predetermined key input device according to the offline withdrawal transaction step of the amount deposited in the voucher virtual account according to the present invention.

The communication unit 2330 is characterized in that it provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 2200 and the external system of each financial system) provided in the financial terminal 2200. And a network communication unit 2330 that provides transactional communication with a CD / ATM unit provided in an external system on a financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. Cable communication unit 2330 and / or Infrared Ray communication, RF (Radio Frequency) communication to provide transactional communication with external communication devices through cable communication ports (e.g. RS-232c, Universal Serial Bus (USB), etc.) Local area communication unit for providing transactional communication with the local area communication device through at least one or more short-range wireless communication, including Bluetooth (BlueTooth), Wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) 2330, and includes a communication protocol and a communication application for providing transactional communication in software.

According to an embodiment of the present invention, the communication unit 2330 is the amount of money deposited in the CD / ATM unit and the voucher virtual account provided in the external system on the financial system via a network through the network communication unit 2330 It is desirable to connect a communication channel for processing offline withdrawal transactions.

The memory unit 2355 is a storage medium storing at least one or more information or data required for the control unit 2305 to perform a predetermined control function. The memory unit 2355 is an electronically erasable and programmable read only memory (EEPROM), FM in hardware. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 2305 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 2355 may store at least one financial transaction processing information used by the financial terminal 2200 to provide an offline withdrawal function of the amount deposited in the voucher virtual account according to the present invention. Preferably, and / or after the withdrawal of the amount of money deposited in the voucher virtual account, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 2340 is a financial transaction result corresponding to the voucher card read through the card reader unit 2310 from a predetermined financial system through the communication unit 2330, a predetermined cash payment command to the financial transaction customer (Or a cash payment approval result) and, if received, a predetermined amount of cash (or cash requested by the financial transaction customer) for the cash payment order (or cash payment approval result) provided in the financial terminal 2200. Read out from the cash storage unit 2345 is characterized in that the payment to the customer through a predetermined cash discharge unit (2350).

The terminal function unit 2335 is a component provided in the financial terminal 2200 in addition to the components shown in FIG. 23 and / or for a predetermined purpose or role. Typically, various additional function configurations according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support and / or a print output unit for printing a receipt and / or a biometric recognition device for biometrics It is made, including. Those skilled in the art to which the present invention pertains may easily understand each terminal function unit 2335 provided according to the characteristics of the financial terminal 2200, and thus a detailed description thereof will be omitted.

Referring to FIG. 23, a mode checking unit 2360 for checking whether an operation mode of the financial terminal 2200 is an operation mode for processing an offline withdrawal transaction of an amount deposited in a voucher virtual account. ), And if the voucher card is an IC card, a validity authentication unit 2365 for authenticating the PIN-based IC card validity through the card reader unit 2310, and an information read for reading the voucher card information from the voucher card. Sending the generated financial means request full text through the communication unit 2330, the full text generation unit 2375 for generating a financial means request full text including the voucher card information, and the communication unit 2330 to the financial system, A financial transaction clause is received from a financial system, and the financial transaction provision text corresponding to the financial instrument request text message is received. The financial transaction section uses the financial instrument information corresponding to the received financial instrument text message. Provided with a specialized processing unit (2380) for performing it is characterized in that formed.

In addition, the financial terminal 2200 processes a predetermined financial transaction corresponding to the financial account for the financial transaction when a predetermined financial transaction financial account is selected from the interface screen output through the screen output unit 2315. Preferably, the information input unit 2385 is further configured to receive financial transaction information. In this case, the full text generation unit 2375 may include the financial transaction request information including the financial account information and financial transaction information. Preferably, the specialized processing unit 2380 transmits the generated financial transaction request message to the financial system through the communication unit 2330, and the financial transaction response corresponding to the financial transaction request message from the financial system. Receiving a full text and outputting the financial transaction details included in the full text of the financial transaction response through the screen output unit 2315 It is preferred.

The financial terminal 2200 includes a plurality of operation modes such as a financial transaction mode for processing an offline withdrawal transaction of the amount deposited in the voucher virtual account, or a cash withdrawal mode using a cash card (or debit card) according to the present invention. The mode check unit 2360 may determine whether the operation mode of the financial terminal 2200 is a financial transaction mode for processing an offline withdrawal transaction of the amount deposited in the voucher virtual account according to the present invention.

According to an exemplary embodiment of the present invention, the financial terminal 2200 selects an offline withdrawal transaction of the amount deposited in the voucher virtual account according to the present invention among a plurality of operation modes on a basic screen, thereby depositing the virtual account in the voucher virtual account. It is preferable to switch to a financial transaction mode that provides offline withdrawal of the amount.

According to another exemplary embodiment of the present invention, the financial terminal 2200 is offline of the amount deposited in the voucher virtual account according to the present invention among a plurality of operation modes after a predetermined voucher card is inserted into the IC card reader. By selecting a withdrawal transaction, it is preferable to switch to a financial transaction mode that provides an offline withdrawal function of the amount deposited in the voucher virtual account.

The validity authentication unit 2365 is an IC card reader corresponding to a contact IC reader unit and / or a non-contact IC reader unit of the card reader unit 2310 when the IC card corresponding to the voucher card is inserted. In response to an input of a predetermined PIN in conjunction with the input unit 2320, based on the input PIN, characterized in that for performing the validity authentication procedure to ensure confidentiality, authentication, integrity and non-repudiation of the IC card, When the validity of the IC card is authenticated by the validity authentication unit 2365, a predetermined financial transaction procedure for offline withdrawal of the amount deposited in the voucher virtual account according to the present invention is normally performed.

According to an embodiment of the present invention, the validity authentication unit 2365 preferably performs a validity authentication procedure for the IC card after a predetermined IC card is inserted into the IC card reader.

According to one embodiment of the present invention, the validity authentication unit 2365 is a predetermined IC card is inserted into the IC card reader, the operation mode of the financial terminal 2200 is switched to the financial transaction mode, or the After the operation mode of the financial terminal 2200 is switched to the financial transaction mode, when a predetermined IC card is inserted into the IC card reader, it is preferable to perform a validity authentication procedure for the IC card.

The information reading unit 2370 may read predetermined voucher card information from the voucher card, and the read voucher card information is provided to the full text generation unit 2375.

The full text generation unit 2375 may generate a predetermined financial means request text including the voucher card information read from the voucher card through the information reader 2370, and the full text requesting text message is the voucher. In addition to card information, at least one of the financial terminal 2200 address information corresponding to the financial terminal 2200 and / or the financial terminal 2200 ID information and / or the financial terminal 2200 manager (or operator) information. The financial terminal 2200 address information and / or the financial terminal 2200 ID information and / or the financial terminal 2200 manager (or operator) information may be included in the financial terminal 2200. It is desirable to extract from the financial transaction processing information stored in the memory unit 2355.

The specialized processing unit 2380 transmits the generated financial means request full text to the financial system through the communication unit 2330, and at least one financial means information associated with the voucher card information from the financial system. Waiting for the financial means providing the professional to receive.

If the financial means provision text message is received, the specialized processor 2380 includes the financial means information (eg, a financial account associated with a voucher card) that matches the voucher card. And / or financial means information (eg, the drawing) matched with the voucher virtual account ledger information through voucher card information registered to the financial means providing full text through the information registration system shown in FIGS. 7 and / or 9. 1 and / or an account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIG. 4.

If the financial instrument providing text includes the financial instrument information (for example, a financial account associated with the voucher card) that matches the voucher card, the specialized processor 2380 is based on the financial instrument information matched with the voucher card. A conventional financial transaction procedure (for example, cash withdrawal, bank transfer, utility bill payment, etc.) is performed.

Those of ordinary skill in the art to which the present invention pertains may use conventional financial transaction procedures (e.g. cash withdrawal, bank transfer, etc.) through financial means information (e.g., financial accounts associated with voucher cards) that match the voucher card. Since you will be familiar with the technical features of bill payment, etc., the detailed description thereof will be omitted for convenience.

On the other hand, through the voucher card information registered through the information registration system shown in Figs. 7 and / or 9 in the financial means provisioning document, the financial means information (for example, the Fig. 1 and / Or account information corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIG. 4), the specialized processor 2380 is deposited in the financial means information matched with the voucher virtual account ledger information. Perform financial transaction procedures to withdraw money.

Alternatively, financial instrument information (for example, a financial account associated with a voucher card) matched with the voucher card in the financial instrument provision text, and the information registration system shown in FIGS. 7 and / or 9 in the financial instrument provision text. Financial means information matched with the voucher virtual account ledger information through the voucher card information registered through (for example, corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in Figures 1 and / or 4) If the account number) is included, the expert processing unit 2380 outputs an interface screen for selecting a predetermined transaction target financial means from the financial means information through the screen output unit 2315, and then the key input unit ( If a predetermined transaction target financial means is selected from the financial instrument information through 2320, the selected transaction target financial instrument is associated with the voucher card. Make sure that the financial instruments that are referred to, or vouchers virtual account ledger information matched with the financial means.

Here, if the selected transaction target financial means is a financial means matching the voucher card, the specialized processor 2380 is a conventional financial transaction procedure (for example, cash withdrawal, account) based on the financial means information matching the voucher card Transfer, bill payment, etc.).

Those of ordinary skill in the art to which the present invention pertains may use conventional financial transaction procedures (e.g. cash withdrawal, bank transfer, etc.) through financial means information (e.g., financial accounts associated with voucher cards) that match the voucher card. Since you will be familiar with the technical features of bill payment, etc., the detailed description thereof will be omitted for convenience.

On the other hand, if the selected transaction target financial means is a financial instrument matched with the voucher virtual account ledger information, the specialized processing unit 2380 is a financial transaction procedure for withdrawing the amount deposited in the financial instrument information matched with the voucher virtual account ledger information Perform

According to an embodiment of the present invention, the received financial means providing full financial means includes financial means information matched with the voucher virtual account ledger information, or the financial means for which the transaction target financial means is matched with the voucher virtual account ledger information. When selected as, the professional processing unit 2380 displays an interface screen for inputting a withdrawal amount corresponding to the amount withdrawn through the financial terminal 2200 of the amount deposited in the voucher virtual account through the screen output unit 2315. And outputs a financial transaction information input procedure through which a predetermined withdrawal amount is input through the key input unit 2320.

If the financial transaction information input is completed, the specialized processor 2380 provides the financial means information matched with the voucher virtual account ledger information and the inputted withdrawal amount information to the specialized generator 2375.

The full text generation unit 2375 generates a full financial transaction request message including the financial instrument information matched with the voucher virtual account ledger information and the input withdrawal amount information, and converts the generated full financial transaction request text into the full text processing unit. Provided at (2380).

The specialized processor 2380 may transmit the generated financial transaction request message to the financial system, and withdraw the withdrawal amount from the voucher virtual account corresponding to the voucher virtual account ledger information from the financial system. Waits for the full financial transaction response message including the financial transaction history to be received.

If a predetermined financial transaction response message including the financial transaction history information is received, the specialized processor 2380 extracts the financial transaction history information included in the received financial transaction response message, and the extracted financial transaction history information. Information is output through the screen output unit 2315.

According to an embodiment of the present invention, when the received financial transaction response message includes the financial transaction details for approving the withdrawal amount from the voucher virtual account corresponding to the voucher virtual account ledger information, the expert processing unit 2380 ) Releases the cash corresponding to the withdrawal amount to the customer through the cash payment unit 2340 to withdraw.

In addition, the specialized processor 2380 may store the financial transaction history information extracted from the received financial transaction response message in the memory unit 2355 for a predetermined period of time, whereby various additions, such as canceling a previous transaction, may be performed. The service can be easily provided.

24 illustrates a process of offline withdrawal of the amount deposited in the voucher virtual account through the financial terminal 2200 according to the method of the present invention.

More specifically, FIG. 24 uses the voucher card associated with the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4 to operate the financial terminal 2200 shown in FIG. 22. Withdraw and withdraw the amount deposited in the voucher virtual account through a financial terminal 2200 including at least one Cash Dispenser (CD) and / or an Automatic Teller Machine (ATM) on the system. As for the process, those of ordinary skill in the art to which the present invention pertains, various implementations with reference to and / or modified this figure 24 to withdraw money deposited in the voucher virtual account via the financial terminal 2200 offline The method may be inferred, but the present invention includes all the inferred implementation methods, and only the implementation method shown in FIG. This technical feature is not limited.

Hereinafter, in FIG. 24, a financial terminal 2200 including a cash dispenser (CD) and / or an automatic teller machine (ATM) shown in FIG. 22 is referred to as a “terminal” for convenience. .

Referring to FIG. 24, the terminal reads predetermined voucher card information from the predetermined voucher card through a predetermined card reader (2400).

According to an embodiment of the present invention, if the voucher card is an MS card, the terminal preferably reads predetermined voucher card information provided in the MS track of the voucher card through an MS card reader.

According to another embodiment of the present invention, if the voucher card is an IC card, the terminal performs a PIN-based IC card validity authentication procedure with the IC card reader and the key input device provided in the terminal, and then the IC card validity is determined. In the case of authentication, it is preferable to read predetermined voucher card information from the memory of the IC chip provided in the voucher card through the IC card reader.

Thereafter, the terminal generates a predetermined financial means request text including the voucher card information, and transmits the generated financial means request text to a financial system through a predetermined financial network (2405). Through the information registration system shown in FIGS. 11 and / or 16, it is checked whether the registered voucher card information exists in association with the voucher card information (2410).

If the voucher card information registered and processed in connection with the voucher card information is not confirmed (2415), the financial system provides a full financial means providing the financial means including the financial means information matched with the voucher card as shown in FIG. Create and transmit to the terminal.

On the other hand, if the registered voucher card information is processed in association with the voucher card information is confirmed (2415), the financial system is the financial means information (for example, financial account associated with the voucher card) matching the voucher card and the confirmed The financial instrument information matching the voucher virtual account ledger information (for example, the account number corresponding to the registered voucher virtual account through the voucher virtual account opening system shown in FIGS. 1 and / or 4) is checked (2420).

According to another embodiment of the present invention, if the voucher card is a voucher virtual account dedicated card matched with the voucher virtual account ledger information, the financial system may match the financial means information (eg, the drawing) with the voucher virtual account ledger information. It is possible to check only the account number corresponding to the registered voucher virtual account through the voucher virtual account opening system shown in 1 and / or 4.

Thereafter, the financial system may include financial instrument information (for example, a financial account associated with a voucher card) and financial instrument information (for example, the virtual account ledger information) that matches the voucher card (eg, FIG. 1 and / or FIG. A financial means providing full text including a voucher virtual account registered through the voucher virtual account opening system shown in FIG. 4) is generated (2425), and the generated financial means providing full text is transmitted through the financial network. Transmission to the terminal (2430).

According to another exemplary embodiment of the present invention, if the voucher card is a voucher virtual account dedicated card matched with the voucher virtual account ledger information, the financial means providing full text is the financial means information (for example, matching the voucher virtual account ledger information). It is possible to include only the account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4.

The terminal that has received the financial means provision text message includes financial means information (eg, a financial account associated with a voucher card) that matches the voucher card included in the financial means provision text message and financial means that match the voucher virtual account ledger information. Outputs an interface screen for selecting a predetermined transaction target financial means among information (for example, an account number corresponding to a voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4); It is checked whether a predetermined target financial means is selected through the interface screen (2435).

According to another exemplary embodiment of the present invention, the voucher card is a voucher virtual account dedicated card matched with the voucher virtual account ledger information, and the financial means information (for example, matching the voucher virtual account ledger information to the financial means provision text) When only the account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is included, the process of selecting a financial instrument to be traded is omitted, and the voucher virtual account ledger It is possible that the financial instrument information matching the information is automatically selected as the transaction target financial instrument.

If a predetermined target financial means of the financial means is selected (2440), the terminal determines whether the selected financial means is a financial means (eg, a financial account associated with a voucher card) that matches the voucher card or the voucher. In operation 2445, it is determined whether the financial means matched with the virtual account ledger information (for example, an account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4).

If the selected transaction target financial means is a financial means (eg, a financial account associated with a voucher card) that matches the voucher card (2450), the terminal means that the financial means matched with the voucher card as shown in FIG. Perform at least one financial transaction procedure (e.g., cash withdrawal, bank transfer, utility bill payment, etc.) using a financial account associated with the voucher card.

On the other hand, an account number corresponding to a voucher virtual account registered through the voucher virtual account opening system shown in FIG. 1 and / or 4 is matched with the voucher virtual account ledger information. (2450), the terminal outputs an interface screen for inputting predetermined withdrawal amount information including an amount to be withdrawn through the terminal among the amounts deposited in the voucher virtual account corresponding to the transaction target financial means; It is checked whether predetermined withdrawal amount information is input through the interface screen (2455).

If predetermined withdrawal amount information including an amount to be withdrawn through the terminal among the amounts deposited in the voucher virtual account is input (2460), the terminal receives the transaction target financial instrument information (eg, the voucher virtual account ledger information). A predetermined financial transaction request message including the financial means information matched with the information) and the withdrawal amount information (2465), and transmits the generated financial transaction request message to the financial system through the financial network (2470). .

Thereafter, the financial system checks whether an amount corresponding to the withdrawal amount information is deposited in the voucher virtual account corresponding to the transaction target financial instrument information included in the received financial transaction request message (2475).

If the amount corresponding to the withdrawal amount information is not deposited in the voucher virtual account (2480), the financial system includes predetermined financial transaction error information (eg, insufficient balance) corresponding to the financial transaction request information. A financial transaction response message is generated and transmitted to the terminal through the financial network (2482). In response, the terminal outputs financial transaction error information corresponding to the financial transaction response message (2484).

If the amount corresponding to the withdrawal amount information is deposited in the voucher virtual account (2480), the financial system transmits the financial transaction request message (eg, a financial terminal 2200 included in the financial transaction request message). Perform a financial transaction procedure to withdraw a withdrawal amount through a CD / ATM corresponding to address information and / or the financial terminal 2200 ID information and / or the financial terminal 2200 manager (or operator) information ( 2486).

If the financial transaction procedure is completed (2488), the financial system generates financial transaction history information corresponding to cash withdrawal through the terminal and records the ledger corresponding to the voucher virtual account (2490). Generate a financial transaction response message including history information and transmit it to the terminal through the financial network (2492), and in response, the terminal outputs the financial transaction history information included in the financial transaction response message, and Through the cash payment function provided in the terminal, the cash corresponding to the withdrawal amount is discharged to the customer to be withdrawn (2494).

Thereafter, the financial system withdraws the virtual account withdrawal details (eg, withdraws the cash corresponding to the withdrawal amount from the mother account associated with the virtual account) and includes the financial transaction details information corresponding to the cash withdrawal. The details of withdrawing the terminal from the terminal through the virtual account are stored in the virtual account ledger provided in the ledger D / B on the financial system (2496).

Here, the virtual account withdrawal history including the financial transaction history information corresponding to the cash withdrawal information includes the withdrawal date and time information that the cash withdrawal transaction occurred, the withdrawal amount information corresponding to the withdrawal amount, and the financial terminal 2200 information. It is preferable to include the withdrawal target information.

According to the method of the present invention, the virtual account withdrawal information stored in the virtual account ledger provided in the ledger D / B on the financial system is periodically extracted through the voucher payment virtual account operating system shown in FIG. After being processed as a virtual account usage history corresponding to the payment of the account, a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) corresponding to the mother account opening institution associated with the virtual account is provided. It is preferably provided to an institutional server.

25 is a diagram illustrating a conventional financial transaction procedure using financial means matched with a voucher card according to an embodiment of the present invention.

More specifically, FIG. 25 shows the information of the voucher card information shown in FIGS. 11 and / or 16 during the process of withdrawing the amount deposited in the voucher virtual account through the CD / ATM through the process shown in FIG. If a financial transaction using a financial means matched with the voucher card is not selected through a registration system or linked with a predetermined voucher virtual account, a conventional financial transaction procedure using the financial means matched with the voucher card is performed. It's about the process of doing it.

Hereinafter, in FIG. 25, a financial terminal 2200 including a cash dispenser (CD) and / or an automatic teller machine (ATM) shown in FIG. 22 is referred to as a “terminal” for convenience.

Referring to FIG. 25, the voucher card information is transferred through the information registration system shown in FIGS. 11 and / or 16 during the withdrawal of the amount deposited in the voucher virtual account shown in FIG. 24 through CD / ATM. If not associated with a predetermined voucher virtual account, the financial system checks the financial instrument information (for example, financial account associated with the voucher card) matching the voucher card (2500), the financial means matched with the voucher card After generating a predetermined financial means providing full text including information (2505), the generated financial means providing full text is transmitted to the terminal through the financial network (2510).

Thereafter, the terminal outputs an interface screen for inputting predetermined financial transaction information on the financial means matched with the voucher card, and the predetermined financial transaction corresponding to the financial means matched with the voucher card through the interface screen. Check whether information is input (2515).

According to an embodiment of the present invention, the financial transaction information corresponding to the financial means matched with the voucher card is different depending on the type of financial transaction using the financial means matched with the voucher card, and is generally known in the art. Those skilled in the art will be familiar with each financial transaction information corresponding to the financial transaction type, and thus a detailed description thereof will be omitted for convenience.

If all financial transaction information corresponding to the financial means matched with the voucher card is input (2520), the terminal provides a full financial transaction request message including the financial means information matching the voucher card and the input financial transaction information. In operation 2525, the generated financial transaction request message is transmitted to the financial system through the financial network (2530).

Thereafter, the financial system processes a predetermined financial transaction based on financial means information and financial transaction information matched with a voucher card included in the full text of the financial transaction request, and predetermined financial transaction history information corresponding to the financial transaction processing. After generating (2535), a predetermined financial transaction response message including the generated financial transaction history information is generated and transmitted to the terminal through the financial network (2540), the terminal corresponding to the financial transaction The financial transaction history information included in the response message is output (2545).

Hereinafter, through the drawings shown in FIG. 26 to FIG. 33, a voucher card issued through the card issuing system shown in FIG. 9 is used to process online and offline payments, and a payment amount corresponding to the payment processing is performed. Part of the payment process through the voucher payment virtual account opened in the name of the customer through the voucher virtual account opening system shown in Figure 1 and / or 4, the virtual account ledger corresponding to the voucher payment virtual account is provided The process of storing the virtual account withdrawal history corresponding to the voucher payment virtual account-based payment in the ledger D / B will be described.

However, in the virtual account ledger provided in the ledger D / B on the financial system, the virtual account withdrawal details corresponding to the voucher payment virtual account-based payment are shown in the following embodiments. The virtual account withdrawal corresponding to the voucher-paid virtual account-based payment is not limited to all kinds of things, such as credit settlement through a voucher credit card linked to the voucher-paid virtual account. It is characterized by including the financial transactions.

That is, the implementation method shown in FIG. 26 to FIG. 33 below effectively stores the virtual account withdrawal details corresponding to the voucher payment virtual account based payment in the virtual account ledger provided in the ledger D / B on the financial system. It is only a preferred method of explanation.

FIG. 26 illustrates a payment system configuration using a voucher card according to an embodiment of the present invention.

In more detail, FIG. 26 is a card issuing system shown in FIG. 9 that is processed in association with the voucher virtual account shown in FIGS. 1 and / or 4 through the information registration system shown in FIGS. 11 and / or 16. In the case of online / offline payment through a voucher card issued through a part of the payment amount is processed in a virtual account associated with the voucher card, and the other part of at least one customer payment means associated with the voucher card (eg A credit system payment method, and / or check card payment means, and / or debit card payment means, and / or prepaid card payment means, etc.) is a payment system configuration characterized in that the payment process, specifically the drawing At least one payment card corresponding to a customer payment method registered through the information registration system 11 and / or 16 The storage medium 2630 for storing the information and the voucher card information (or customer authentication information) issued to the customer through the card issuing system shown in FIG. 9 is stored as shown in FIGS. 14 and / or 19. The implementation method provided in the DBMS provided in the payment server 2600 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to infer various implementation methods for the payment system configuration using the voucher card, but the present invention is inferred from the above. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to correspond to customer payment means registered through the information registration system shown in FIGS. 11 and / or 16. At least one payment card information and voucher card information (or customer authentication information) issued to the customer through the card issuing system shown in FIG. 9 are provided in the ledger D / B on the financial system, or the ledger D Various implementation methods may be inferred stored in a predetermined database associated with / B, and the present invention includes all the implementation methods inferred.

Referring to FIG. 26, a payment system using a voucher card is linked to a payment virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 and is shown in FIG. Receives a payment terminal performing online / offline payment processing through a voucher card issued to the customer through a issued card issuing system, a payment approval request message transmitted from the payment terminal, and reads the payment approval request text. Check whether the payment amount can be processed through at least one customer payment means, and when payment is possible through the customer payment means, a part of the payment amount is processed in a virtual account associated with the voucher card. And at least one of the at least one customer payment means associated with the voucher card (e.g., A payment server 2600 which processes payment through a credit card payment means, and / or a check card payment means, and / or a debit card payment means, and / or a prepaid card payment means), and the drawings 1 and / or 4 And a financial system including a virtual account opened in the name of the customer and payment means information corresponding to at least one customer payment means issued to the customer through the voucher virtual account opening system shown in FIG.

Here, the payment means information corresponding to at least one customer payment means having a virtual account opened in the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 and also issued to the customer For a detailed description of the financial system provided with reference to FIGS. 1 and / or 4, or 11 and / or 16, a detailed description of the financial system is omitted for convenience of description.

The payment terminal is characterized in that it comprises at least one or more CAT (Credit Authorization Terminal), and / or POS (Point Of Sales) terminal, and / or automated teller machine for processing offline payment using the voucher card. The payment terminal connects the payment server 2600 with a predetermined payment network through a value added network (VAN).

According to one embodiment of the invention, the payment terminal reads out the voucher card information (or customer authentication information) from the voucher card through a predetermined card reader in the offline payment process, and through a predetermined key input device Enter a payment amount of a predetermined customer payment method (or confirm the payment amount of the customer payment method through a barcode reader (or RFID reader)), and settle the payment including the voucher card information (or customer authentication information) and the customer payment method payment amount. It is preferable to generate the full text of the approval request and transmit it to the payment server 2600 through the VAN.

According to another exemplary embodiment of the present invention, the payment terminal reads out the voucher card information (or customer authentication information) from the voucher card through a predetermined card reader in the offline payment process, and uses a predetermined key input device. The total payment amount information to be processed through the voucher card, and the customer payment means payment amount (eg, the customer burden amount or the total payment amount) is linked to the voucher card through at least one customer payment means of the total payment amount. A payment amount including a payment amount including a virtual account payment amount using a virtual account) and a payment approval request message including the voucher card information (or customer authentication information), the total payment amount information, and the payment amount of the customer payment method; It is preferable to generate and transmit to the payment server 2600 through the VAN.

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

The payment terminal is connected to a web server such as a shopping mall server and / or a content server through a predetermined wired communication network and / or a wireless communication network, and uses the voucher card based on payment information provided from the web server. And at least one wired terminal and / or wireless terminal for processing the used online payment. The payment terminal includes a predetermined online payment protocol (eg, a secure payment protocol or a secure click protocol). The payment server 2600 is connected to a predetermined payment network through the communication network.

According to an exemplary embodiment of the present invention, the payment terminal reads out the voucher card information (or customer authentication information) from the voucher card through a predetermined card reader (or through a predetermined key input means) in the online payment process. A predetermined voucher card information (or customer authentication information) corresponding to the voucher card is inputted, and a payment including a total payment amount to be processed through the voucher card from a web server such as the shopping mall server and / or a content server. Receive the information, and complete the payment approval request message including the payment amount of the customer payment means to be processed through the customer payment means out of the total payment amount to be processed through the voucher card information (or customer authentication information) and the voucher card; It is preferable to generate and transmit to the payment server 2600 according to the online payment protocol.

According to another exemplary embodiment of the present invention, the payment terminal reads out predetermined voucher card information (or customer authentication information) from the voucher card through a predetermined card reader (or predetermined key input means) in an online payment process. Inputting predetermined voucher card information (or customer authentication information) corresponding to the voucher card, and including a total payment amount to be processed through the voucher card from a web server such as the shopping mall server and / or a content server. Receiving the payment information, the total payment amount information to be processed through the voucher card information (or customer authentication information) and the voucher card, and the customer payment means payment amount to be processed through the customer payment means; The payment server (2600) is generated according to the online payment protocol by generating a payment approval request message including a text message. Transfer it is preferable to.

According to another embodiment of the present invention, the payment terminal reads out the voucher card information (or customer authentication information) from the voucher card through a predetermined card reader (or predetermined key input means) in the online payment process. Inputting the predetermined voucher card information (or customer authentication information) corresponding to the voucher card, and the total payment amount information to be processed through the voucher card from a web server such as the shopping mall server and / or content server And receiving payment information of the customer payment means payment amount to be processed through the customer payment means, and the total payment amount information to be processed through the voucher card information (or customer authentication information) and the voucher card. And a customer payment means payment amount to be processed through the customer payment means of the total payment amount. It is preferable to generate a full payment approval request message and transmit it to the payment server 2600 according to the online payment protocol.

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

Referring to FIG. 26 according to an exemplary embodiment of the present invention, the payment server 2600 may use the VAN (or a communication network supporting an online payment protocol) from the payment terminal to obtain a voucher card information (or customer authentication information) and a customer. When the payment approval request message is received through the full text receiving unit 2605 and the full text receiving unit 2605, the payment approval request is included in the storage medium 2630. The voucher card corresponding to the voucher card information (or customer authentication information) included in the request message is transferred to the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. The voucher card is issued in association with the virtual account opened in the customer's name, and the voucher card is issued through the information registration system shown in FIGS. 11 and / or 16. An information checking unit 2610 which checks whether the transaction is associated with the customer payment means corresponding to the transaction classification item included in the pre-payment approval request, and the voucher card is processed in connection with the virtual account, and is connected with the customer payment means. If it is confirmed, the payment approval request text is read out, the total payment amount, the virtual account payment amount to be processed through the virtual account associated with the voucher card of the total payment amount, and the customer payment means associated with the voucher card. An amount confirmation unit 2620 for confirming the payment amount of the customer payment method to be processed through the payment, and the virtual account payment amount confirmed by the amount confirmation unit 2620 through the virtual account associated with the voucher card and The customer payment means payment amount is associated with the voucher card through the information registration system shown in FIGS. 11 and / or 16. A payment processing unit that processes payment through at least one customer payment method, and generates a predetermined payment approval message including the payment processing history and transmits the predetermined payment approval message to the payment terminal through the VAN (or a communication network supporting an online payment protocol). It is characterized by comprising a specialized transmission unit (2615).

The professional receiving unit 2605 may include a voucher card information (or customer authentication information) corresponding to the voucher card and a total payment amount to be processed through the voucher card from a payment terminal that supports offline payment through the VAN. Characterized in that for receiving the payment approval request text including the payment amount of the customer payment means to be processed through the payment means.

Alternatively, the professional receiving unit 2605 may use the voucher card information (or customer authentication information) corresponding to the voucher card from the payment terminal through the communication network supporting the online payment protocol and the payment through the voucher card. Characterized in that for receiving the payment approval request text including the payment amount of the customer payment means to be processed through the customer payment means of the total payment amount to be processed.

When the payment approval request message including the voucher card information (or customer authentication information) and the payment information is received through the message receiving unit 2605, the information checking unit 2610 is shown in FIGS. 11 and / or 16. Voucher card information (or customer authentication information) that is matched with the voucher card information (or customer authentication information) included in the received payment approval request text from among the voucher card information (or customer authentication information) stored in the storage medium 2630 on the registered information registration system. Authentication information), the voucher card information (or customer authentication information) included in the full payment approval request message is transferred to the voucher shown in Figs. 1 and / or 4 through the card issuing system shown in Fig. 9. Through the virtual account opening system characterized in that it is confirmed whether the voucher card issued and processed in connection with the virtual account opened in the customer name.

If the check result, the voucher card information (or customer authentication information) included in the full payment approval request message is opened through the card issuing system shown in FIG. 9 and the voucher virtual account opening system shown in FIGS. If it is not a voucher card issued in connection with the virtual account opened under the customer's name, the payment processing unit generates predetermined payment error history information, and the information transmission unit generates payment processing history information corresponding to the payment error history information. Generate a payment approval message including a and transmits to the payment terminal.

On the other hand, as a result of the confirmation, the voucher card information (or customer authentication information) included in the full payment approval request message is stored in the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If the voucher card is issued in connection with the virtual account opened in the name of the customer through the information verification unit 2610, the voucher card is the payment approval request through the information registration system shown in Figure 11 and / or Figure 16 Characterized in that the check is processed in connection with the customer payment method corresponding to the transaction category included in the full text.

For example, if the transaction category included in the full payment approval request corresponds to a credit card payment means, the information checking unit 2610 may determine that the voucher card is determined through the information registration system shown in FIGS. 11 and / or 16. It is advisable to check that the credit card payment method has been processed.

If the check result is that the voucher card is not linked to the customer payment means corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figs. 11 and / or 16, the payment processing unit Generates predetermined payment error history information, and the information transmitter generates a payment approval message including payment processing history information corresponding to the payment error history information and transmits the generated payment approval message to the payment terminal.

If the check result confirms that the voucher card is linked with the customer payment means corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figs. 11 and / or 16, the amount The verification unit 2620 may check the total payment amount and the virtual account payment amount to be processed through the virtual account associated with the voucher card through the customer payment means payment amount included in the full payment approval request.

For example, during payment processing using the voucher card, 90% of the total payment amount is settled through a virtual account associated with the voucher card, and the remaining 10% is settled through the customer payment means. If the payment amount of the customer payment method included in the full approval request is 10,000 won, the amount confirming unit 2620 checks the total payment amount to be processed through the voucher card as 100,000 won through the voucher card. The virtual account payment amount of the total payment amount is confirmed as 90,000, and the customer payment means payment amount of the total payment amount is confirmed as 10,000.

When the virtual account payment amount and the customer payment means payment amount is confirmed as described above, the payment processing unit pays the virtual account through the virtual account of the customer name corresponding to the virtual account information associated with the voucher card in connection with the financial system. The amount of the payment is processed, and the payment amount of the customer payment means through the customer payment means corresponding to at least one or more payment card corresponding to the transaction category included in the full payment approval request request.

According to an exemplary embodiment of the present invention, when a shortage of balance occurs in the payment processing of the virtual account payment amount, the payment processing unit preferably processes an error in the payment processing corresponding to the full payment approval request. Do.

According to another exemplary embodiment of the present invention, when a balance shortage occurs in the payment processing process for the virtual account payment amount, only the amount corresponding to the virtual account balance of the virtual account payment amount is processed and the remaining amount and The payment method of the customer payment means may be processed through a customer payment means corresponding to at least one payment card issued to the customer, and the present invention is not limited thereto.

When the payment processing unit completes a payment processing procedure for the virtual account payment amount and the customer payment method payment amount, a predetermined payment processing detail including a payment approval history or a payment error history is generated. The method may generate a payment approval text including the payment processing details and transmit the generated payment approval message to the payment terminal.

According to an embodiment of the present invention, if the payment terminal is a payment terminal that supports offline payment payment, the specialized transmission unit 2615 generates a payment approval message that can be transmitted through the VAN and the payment terminal through the VAN. It is desirable to send to.

According to another embodiment of the present invention, if the payment terminal is a payment terminal that supports online payment payment, the specialized transmission unit 2615 generates a payment approval message corresponding to the online payment protocol to generate the payment through the communication network. It is preferable to transmit to the terminal.

Referring to FIG. 26 according to another exemplary embodiment of the present invention, the payment server 2600 may be connected with a voucher card information (or customer authentication information) from the payment terminal through the VAN (or a communication network supporting an online payment protocol). A specialized receiving unit 2605 for receiving a payment approval request message including a total payment amount information to be processed through the voucher card and a payment amount of a customer payment method to be processed through the customer payment means among the total payment amount; When the payment approval request message is received through the professional receiving unit 2605, the voucher card corresponding to the voucher card information (or customer authentication information) included in the payment approval request message in association with the storage medium 2630 is shown in the drawing. Through the card issuing system shown in Fig. 9, the customer name is entered through the voucher virtual account opening system shown in Figs. 1 and / or 4. The voucher card is issued in association with the opened virtual account, and the voucher card is linked with the customer payment means corresponding to the transaction classification item included in the full payment approval request through the information registration system shown in FIGS. 11 and / or 16. If the information confirmation unit 2610 and the voucher card is processed in association with the virtual account and the customer payment means is confirmed, the entire payment amount and the total payment are read by reading the full text of the payment approval request. An amount confirmation unit 2620 which confirms a virtual account payment amount to be settled through a virtual account associated with the voucher card and a customer payment means settled to be settled through a customer payment means associated with the voucher card; The payment amount of the virtual account confirmed by the amount checking unit 2620 is processed through the virtual account associated with the voucher card, A payment processing unit which processes the confirmed payment amount of the customer payment means through at least one customer payment means associated with the voucher card through the information registration system shown in FIGS. 11 and / or 16; It is characterized in that it comprises a specialized transmission unit (2615) for generating a predetermined payment approval to include and transmit to the payment terminal through the VAN (or a communication network supporting an online payment protocol).

The specialized receiving unit 2605 may include voucher card information (or customer authentication information) corresponding to the voucher card and total payment amount information to be processed through the voucher card from a payment terminal supporting offline payment through the VAN; Characterized in that for receiving the payment approval request text including the payment amount of the customer payment means to be processed through the customer payment means of the total payment amount.

Alternatively, the professional receiving unit 2605 may use the voucher card information (or customer authentication information) corresponding to the voucher card from the payment terminal through the communication network supporting the online payment protocol and the payment through the voucher card. And receiving a payment approval request message including the total payment amount information to be processed and the payment amount of the customer payment means to be processed through the customer payment means among the total payment amounts.

When the payment approval request message including the voucher card information (or customer authentication information) and the payment information is received through the message receiving unit 2605, the information checking unit 2610 is shown in FIGS. 11 and / or 16. The voucher that matches the voucher card information (or customer authentication information) included in the received payment approval request text from among the voucher card information (or customer authentication information) stored in the storage medium (specialized transmission unit 2615) on the registered information registration system. By inquiring whether card information (or customer authentication information) exists, the voucher card information (or customer authentication information) included in the full payment approval request message is transferred through the card issuing system shown in FIG. Through the voucher virtual account opening system shown in 4, it is confirmed whether the voucher card issued in connection with the virtual account opened under the customer's name is issued. It shall be.

If the check result, the voucher card information (or customer authentication information) included in the full payment approval request message is opened through the card issuing system shown in FIG. 9 and the voucher virtual account opening system shown in FIGS. If it is not a voucher card issued in connection with the virtual account opened under the customer's name, the payment processing unit generates predetermined payment error history information, and the information transmission unit generates payment processing history information corresponding to the payment error history information. Generate a payment approval message including a and transmits to the payment terminal.

On the other hand, as a result of the confirmation, the voucher card information (or customer authentication information) included in the full payment approval request message is opened through the card issuing system shown in FIG. 9 and the voucher virtual account opening system shown in FIGS. If the voucher card is issued in connection with the virtual account opened in the name of the customer through the information verification unit 2610, the voucher card is the payment approval request through the information registration system shown in Figure 11 and / or Figure 16 Characterized in that the check is processed in connection with the customer payment method corresponding to the transaction category included in the full text.

For example, if the transaction category included in the full payment approval request corresponds to a credit card payment means, the information checking unit 2610 may determine that the voucher card is determined through the information registration system shown in FIGS. 11 and / or 16. It is advisable to check that the credit card payment method has been processed.

If the check result is that the voucher card is not linked to the customer payment means corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figs. 11 and / or 16, the payment processing unit Generates predetermined payment error history information, and the information transmitter generates a payment approval message including payment processing history information corresponding to the payment error history information and transmits the generated payment approval message to the payment terminal.

If the check result confirms that the voucher card is linked with the customer payment means corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figs. 11 and / or 16, the amount The verification unit 2620 may check the total payment amount and the virtual account payment amount to be processed through the virtual account associated with the voucher card through the customer payment means payment amount included in the full payment approval request.

For example, if the total payment amount information included in the full payment approval request is 100,000 won, and the customer payment means payment amount is 10,000 won, the amount confirmation unit 2620 may determine the amount confirmation unit 2620 through the voucher card. The total payment amount to be processed is 100,000 won, the virtual account payment amount of the total payment amount is 90,000, and the customer payment means payment amount of the total payment amount is 10,000.

When the virtual account payment amount and the customer payment means payment amount is confirmed as described above, the payment processing unit pays the virtual account through the virtual account of the customer name corresponding to the virtual account information associated with the voucher card in connection with the financial system. The amount of the payment is processed, and the payment amount of the customer payment means through the customer payment means corresponding to at least one or more payment card corresponding to the transaction category included in the full payment approval request.

According to an exemplary embodiment of the present invention, when a shortage of balance occurs in the payment processing of the virtual account payment amount, the payment processing unit preferably processes an error in the payment processing corresponding to the full payment approval request. Do.

According to another exemplary embodiment of the present invention, when a balance shortage occurs in the payment processing for the virtual account payment amount, only the amount corresponding to the virtual account balance of the virtual account payment amount is processed and the remaining amount is paid. And the payment method of the customer payment means may be processed through the customer payment means corresponding to at least one or more payment cards issued to the customer, whereby the present invention is not limited.

When the payment processing unit completes a payment processing procedure for the virtual account payment amount and the customer payment method payment amount, a predetermined payment processing detail including a payment approval history or a payment error history is generated. The method may generate a payment approval text including the payment processing details and transmit the generated payment approval message to the payment terminal.

According to an embodiment of the present invention, if the payment terminal is a payment terminal that supports offline payment payment, the specialized transmission unit 2615 generates a payment approval message that can be transmitted through the VAN and the payment terminal through the VAN. It is desirable to send to.

According to another embodiment of the present invention, if the payment terminal is a payment terminal that supports online payment payment, the specialized transmission unit 2615 generates a payment approval message corresponding to the online payment protocol to generate the payment through the communication network. It is preferable to transmit to the terminal.

27 is a diagram showing a functional configuration of a payment terminal for payment processing through a voucher card according to the embodiment of the present invention.

More specifically, FIG. 27 illustrates a virtual account associated with the voucher card when a payment is made using a voucher card issued in connection with at least one customer payment means through the card issuing system shown in FIG. 9. In the payment process, and the payment terminal configuration for generating a payment approval request full text to process the payment processing in the customer payment means associated with the voucher card and the other part of the payment terminal configuration, the general knowledge in the technical field to which the present invention belongs Those who have the same will be able to infer various implementation methods for the configuration of a payment terminal function for payment processing through the voucher card by referring to and / or modifying this drawing 27, but the present invention is directed to all the inferred implementation methods. It is made, including, the technical features are limited only by the implementation method shown in FIG. Not.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 27 to provide a Credit Authorization Terminal (CAT), and / or a Point Of Sale (POS) terminal, and And / or a financial teller machine (e.g. Automatic Teller Machine (ATM), Cash Dispenser (CD)), and / or at least one wired or wireless terminal, and / or a card reader A method of applying the functional configuration of the payment terminal shown in FIG. 27 to a call terminal for payment, and / or a payment home appliance equipped with a card reader may be inferred. The functional configuration is not limited to a specific terminal device.

Referring to FIG. 27, a payment terminal for payment processing through the voucher card is basically a control unit 2705, a memory unit 2745, a card interface 2700, a key input unit 2715, and a screen output unit 2710. And a communication unit 2725, a security application module 2730, a print output unit 2735, and a power supply unit 2720 for supplying power to a payment terminal.

The control unit 2705 controls the overall operation of the payment terminal in function configuration, manages the flow of information or data between each component, and controls the components provided in the payment terminal for payment processing through the voucher card. And at least one processor and execution memory (eg, a register and / or random access memory (RAM)) and predetermined data, which include a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. And a bus that inputs and outputs, and is loaded into the execution memory from a predetermined recording medium in order to perform a function specific to a payment terminal in software and is arithmetic processed by the processor. Program routines and / or program data (and therefore payment processing via voucher cards). In the control unit 2705, a component capable of being processed in software among the functional components provided in the payment terminal for payment processing through a predetermined program and / or voucher card recorded on the recording medium provided in the payment terminal is provided. It is characterized in that).

In particular, the control unit 2705 includes an operating system routine, a system management routine, stored in a predetermined memory unit 2745 to control and manage the overall operation of the payment terminal after the payment terminal is booted in software. Or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, and / or an electronic payment service.

The memory unit 2745 is input / output information or data when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal is performed. General term of non-volatile memory for storage of at least one, including at least one storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. And a predetermined program routine required for the control unit 2705 to perform a predetermined control function and program data (eg, data input or output for the program routine to perform a predetermined function). It is characterized by.

According to a preferred embodiment of the present invention, the memory unit 2745 preferably stores at least one or more specialized inclusion information for payment processing through a voucher card, wherein the specialized inclusion information is the payment terminal information (eg, CAT_ID information) and the like.

The card interface 2700 provides an interface for reading at least one or more information or data included in a predetermined card to realize payment processing through a voucher card, and is based on the ISO / IEC 7810 standard. An MS interface for providing an interface between an MS (Magnetic Stripe) card and the payment terminal, and / or a contact IC interface for providing an interface between the contact IC card and the payment terminal based on an ISO / IEC 7816 standard, and / Or a contactless IC interface providing an interface between the contactless IC card and the payment terminal based on the ISO / IEC 14443 standard.

The MS interface is a card interface 2700 based on ISO / IEC 7810, which includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized in that the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to interface with the payment terminal.

The contact IC interface is a card interface 2700 based on ISO / IEC 7816, comprising at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. A terminal for supplying power to the IC chip of the IC card through the contact point, and payment information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized by interfacing to.

The contactless IC interface is a card interface 2700 based on ISO / IEC 14443. The contactless IC interface is at least one of which makes contactless contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes an antenna, supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip to the payment terminal through the half duplex transaction using an APDU. Interfacing.

The key input unit 2715 is a terminal operator from a predetermined key input means including a plurality of number keys, a character key for inputting characters, a function key, and the like. And / or input the corresponding key data generated by the user clicking a predetermined key to the controller 2705, wherein the controller 2705 is key data input through the key input unit 2715. Read and control a predetermined function and / or a predefined task corresponding to the key data in association with at least one component provided in the payment terminal.

According to the exemplary embodiment of the present invention, the key input unit 2715 may perform a function of a key input unit for receiving predetermined payment amount information for payment processing through the voucher card.

The screen output unit 2710 may be a liquid crystal display (LCD) and / or a CRT (or LCD) by the controller 2705 while the payment terminal performs a predetermined function (for example, a payment processing function through a voucher card). Cathode Ray Tube) outputs at least one or more information or data which is predefined or defined in real time to be output to a predetermined screen output means including a predefined screen interface, the screen in the payment terminal Predefined information or data to be output to the key data, the key data input through the key input unit 2715, and / or information (or data) stored or generated by the components provided in the payment terminal, the communication unit Information (or data) transmitted / received through 2725 and / or a predetermined operation result performed by the payment terminal (or At least one data).

According to a preferred embodiment of the present invention, the screen output unit 2710 preferably performs a function of a screen output means for outputting a payment screen for payment processing through the voucher card.

The communication unit 2725 is connected to a terminal (or server) and / or the payment terminal on a network through a predetermined cable while the payment terminal performs a predetermined function (for example, a payment processing function through a voucher card). And a predetermined communication means for connecting a communication session with a terminal (or device) and / or a terminal (or device) connected with the payment terminal through a predetermined short-range wireless communication, and payment on a wired or wireless network. A network communication unit 2725 for connecting a predetermined communication channel with the server 2600, and / or a cable communication unit 2725 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and And / or short-range wireless for connecting a predetermined communication session with a predetermined short-range communication terminal (or device) device through at least one short-range wireless communication means. The communication unit 2725 includes a communication protocol and / or a driver for connecting the communication channel (or communication session) by software.

The network communication unit 2725 may include a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a payment server 2600 on a wired / wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network, and is configured to connect the payment terminal to a predetermined wired / wireless network in hardware. It includes a modem or a network interface card (NIC), and comprises a communication protocol and / or driver for software to connect the payment terminal to the wired and wireless network.

The cable communication unit 2725 connects a communication session with a predetermined cable communication terminal (or device) through predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

When the cable communication terminal (or device) includes a predetermined bar code reader and / or a radio frequency identification (RFID) reader according to an embodiment of the present invention, the cable communication unit 2725 is the cable communication terminal (or device). It is preferable to receive at least one purchase product information and a payment amount corresponding to the purchased product from the.

The short range wireless communication unit 2725 may include at least one short range wireless communication unit including infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware It comprises a wireless communication module, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

According to an embodiment of the present invention, when the near terminal (or device) includes a predetermined barcode reader and / or a radio frequency identification (RFID) reader, the short range wireless communication unit 2725 may be configured to receive from the near terminal (or device). It is preferable to receive at least one purchase product information and a payment amount corresponding to the purchase product.

The Secure Application Module (SAM) 2730 is a confidentiality and / or authentication and / or required by the payment terminal to perform electronic payment and / or electronic payment using the card. Or performing security requirements including integrity and / or nonrepudiation in a secure and reliable structure within the payment terminal without using an authentication server (or payment server 2600) on the network. A security device for encrypting or decrypting a predetermined message (information or data) processed in the process of performing a predetermined security request function (eg, electronic payment and / or electronic payment function) by the payment terminal, The ability to add an authenticator that prevents forgery (or tampering), or to store critical information that is important in the course of performing the security requirements. It characterized in that it performs.

Generally, the security application module 2730 preferably comprises a predetermined security application module 2730 inserter and a security application module 2730 chip, and the security application module 2730 chip includes at least 8-bit CPU. Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 2730 may include at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal to perform a predetermined security request function. Or a key (e.g., one master key and at least one application key) and / or a protocol (e.g., trading protocol, re-transaction protocol, previous transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration Protocols, authorization protocols, mode switch protocols, key download protocols, SAM discard protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / restart) Processing / cancellation command).

The print output unit 2735 is configured to perform a predetermined function (e.g., a payment processing function through a voucher card) and / or predetermined information or data (e.g., payment processing result information) generated as a result. Or data) to a predetermined printing device 2740 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 2740 according to a predefined printing form. It consists of a printing protocol and a driver.

According to one embodiment of the present invention, when the payment is processed through the voucher card, the virtual account payment amount to be processed through the virtual account associated with the voucher card of the total payment amount to be processed through the voucher card, and When the ratio of the payment amount of the customer payment means to the payment processing through the at least one customer payment means associated with the voucher card is fixed, the payment terminal is the voucher card information (or customer authentication information) read from the voucher card, and The payment amount of the customer payment method that matches the customer payment method (e.g., the customer's payment amount, or the total payment amount of the virtual account payment amount using the virtual account associated with the voucher card) of the total payment amount to be processed through the voucher card. Characterized in that for generating the full payment approval request (including the amount excluded).

Referring to FIG. 27, when the payment is processed through the voucher card, a virtual account payment amount to be processed through a virtual account associated with the voucher card among the total payment amount to be processed through the voucher card, and the voucher card When the ratio of the payment amount of the customer payment means to the payment processing through the at least one customer payment means associated with the fixed, the payment terminal for payment processing through the voucher card, in conjunction with the card interface (2700) A card reader unit 2750 for reading voucher card information (or customer authentication information) from the voucher card issued to the customer through the card issuing system shown in FIG. 9, and at least one customer payment associated with the voucher card. Information input unit for receiving the customer payment method payment amount (or customer charges) for payment processing through the means (2 755, a professional generation unit 2760 for generating a payment approval request message including the voucher card information (or customer authentication information) and the customer payment means payment amount (or customer burden), and the generated payment approval request And a professional transmission unit 2765 for transmitting the full text to the payment server 2600 through a payment network in connection with the communication unit 2725 (network communication unit 2725). And a specialized processing unit 2770 for receiving and outputting a payment approval text corresponding to the payment approval request text from the payment server 2600 through the payment network.

If the voucher card is a predetermined MS card, the card reader unit 2750, if the voucher card is recognized through the card interface 2700 (e.g., MS interface), the card issuing system shown in FIG. It is characterized in that by reading the voucher card information (or customer authentication information) from the MS provided in the voucher card issued to the customer through.

When the voucher card is a predetermined IC card, the card reader unit 2750 associates with the key input unit 2715 when the voucher card is recognized through the card interface 2700 (eg, a contact IC interface). PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 2715 and transmitted to the IC card through the card interface 2700 to provide confidentiality of the IC card). (Confidentiality, Authentication, Integrity, and Nonrepudiation), and if the IC card is validated, the card issuing system shown in FIG. It is characterized by reading the predetermined voucher card information (or customer authentication information) from the IC chip provided in the issued voucher card.

According to another exemplary embodiment of the present invention, the voucher card information (or customer authentication information) may be keyed through the key input unit 2715, and the present invention is not limited thereto.

The information input unit 2755 is a payment amount of the customer payment means to be processed through at least one customer payment means associated with the voucher card of the total payment amount to be processed through the voucher card in conjunction with the key input unit 2715 (Or a customer contribution) is characterized in that the input.

According to an exemplary embodiment of the present invention, a total payment amount is input in connection with the key input unit 2715 or a payment for at least one or more purchased products through the cable communication unit 2725 and / or the short range wireless communication unit 2725. When an amount is input and the total payment amount is confirmed, the information input unit 2755 performs payment processing through at least one customer payment means associated with the voucher card of the total payment amount to be processed through the voucher card. Characterized in that it checks (or calculates) the payment amount (or customer burden).

When predetermined voucher card information (or customer authentication information) is read through the card reader unit 2750 and a predetermined customer payment means payment amount (or customer charge) is input through the information input unit 2755, The generation unit 2760 may include a voucher card information (or customer authentication information), a customer payment method payment amount (or customer charge), and at least one full text including information stored in the memory unit 2745. It is characterized in that for generating a preferred embodiment for this will be described in detail with reference to FIG.

According to another embodiment of the present invention, a virtual account payment amount of payment processing through a virtual account associated with the voucher card of the total payment amount to be processed through the voucher card, and at least one customer associated with the voucher card When the ratio of the customer payment method payment amount that is settled through the payment method is fixed, the information input unit 2755 pays through the virtual account associated with the voucher card rather than the customer payment method payment amount (or customer fee). Enter the amount of the virtual account payment to be processed, the full text generation unit 2760 is the amount of payment processing through the voucher card information (or customer authentication information) and the virtual account payment amount (eg, a virtual account associated with the voucher card) And a payment approval request text including at least one specialized information stored in the memory unit 2745. And FIG mubang, and to which the present invention is not limited.

When the payment approval request full text is generated, the full text transmission unit 2765 transmits the generated payment approval request full text in association with the communication unit 2725 (network communication unit 2725) to the communication unit 2725 (network communication unit 2725). It is characterized in that the transmission to the payment server 2600 corresponding to the customer payment means through the payment network connected to)).

Thereafter, the professional processing unit 2770 is connected with the communication unit 2725 (network communication unit 2725) to determine whether a payment approval message corresponding to the payment approval request message is received from the payment server 2600 through the payment network. If the payment approval message corresponding to the payment approval request message is received from the payment server 2600 through the payment network, the screen output unit 2710 may display the payment processing details included in the payment approval message. Output through and / or print through the print output unit 2735.

According to another embodiment of the present invention, when the payment processing through the voucher card, the virtual account payment amount to be processed through the virtual account associated with the voucher card of the total payment amount to be processed through the voucher card, If the ratio of the customer payment means payment amount to be processed through at least one customer payment means associated with the voucher card is not set, the payment terminal is the voucher card information (or customer authentication information) read from the voucher card And a customer payment means payment amount (for example, a customer burden amount, or a total payment amount associated with the voucher card in the total payment amount information to be processed through the voucher card and the total payment amount) Payment approval request including the amount excluding the virtual account payment amount using the virtual account) It characterized in that it generates a statement.

Referring to FIG. 27, when the payment is processed through the voucher card, a virtual account payment amount to be processed through a virtual account associated with the voucher card among the total payment amount to be processed through the voucher card, and the voucher card If the ratio of the customer payment means payment amount to be processed through at least one customer payment means associated with is not set, the payment terminal for payment processing through the voucher card, the card interface (2700) and A card reader unit 2750 for reading voucher card information (or customer authentication information) from the voucher card issued to the customer through the card issuing system shown in FIG. 9 and a total to process payment through the voucher card. Payment amount information and at least one customer payment method associated with the voucher card of the total payment amount; Information input unit (2755) for receiving a payment amount (or customer charge) of the customer payment means for payment processing, the total payment amount information to be processed through the voucher card information (or customer authentication information) and the voucher card and the total A full text generation unit 2760 for generating a full payment approval request message including a payment amount (or a customer fee) of the customer payment means; and the generated full payment approval request message in the communication unit 2725 (network communication unit 2725 It is characterized in that it comprises a specialized transmission unit (2765) for transmitting to the payment server 2600 through the payment network in connection with)), the payment server (2600) through the payment network in connection with the communication unit (2725) It is characterized in that it comprises a specialized processing unit (2770) for receiving and outputting the payment approval full text corresponding to the full payment approval request from).

If the voucher card is a predetermined MS card, the card reader unit 2750, if the voucher card is recognized through the card interface 2700 (e.g., MS interface), the card issuing system shown in FIG. It is characterized in that by reading the voucher card information (or customer authentication information) from the MS provided in the voucher card issued to the customer through.

When the voucher card is a predetermined IC card, the card reader unit 2750 associates with the key input unit 2715 when the voucher card is recognized through the card interface 2700 (eg, a contact IC interface). PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 2715 and transmitted to the IC card through the card interface 2700 to provide confidentiality of the IC card). (Confidentiality, Authentication, Integrity, and Nonrepudiation), and if the IC card is validated, the card issuing system shown in FIG. It is characterized by reading the predetermined voucher card information (or customer authentication information) from the IC chip provided in the issued voucher card.

The information input unit 2755 may include total payment amount information to be processed through the voucher card in connection with the key input unit 2715 and at least one customer payment means associated with the voucher card among the total payment amounts. Characterized by receiving the customer payment means payment amount (or customer charges) to process the payment.

According to an exemplary embodiment of the present invention, a total payment amount is input in connection with the key input unit 2715 or a payment for at least one or more purchased products through the cable communication unit 2725 and / or the short range wireless communication unit 2725. When an amount is input and the total payment amount is confirmed, the information input unit 2755 performs payment processing through at least one customer payment means associated with the voucher card of the total payment amount to be processed through the voucher card. Characterized in that it checks (or calculates) the payment amount (or customer burden).

Predetermined voucher card information (or customer authentication information) is read through the card reader unit 2750, and the customer payment means payment amount (or the total payment amount information and the total payment amount) is read through the information input unit 2755. When the customer contribution) is input, the full text generation unit 2760 stores the voucher card information (or customer authentication information), the total payment amount information, the customer payment method payment amount (or customer contribution), and the memory unit 2745. Characterized in that it generates a payment approval request full text containing at least one full text including information, a preferred embodiment thereof will be described in detail with reference to FIG.

According to another embodiment of the present invention, a virtual account payment amount of payment processing through a virtual account associated with the voucher card of the total payment amount to be processed through the voucher card, and at least one customer associated with the voucher card If the ratio of the customer payment method payment amount settled through the payment method is not set, the information input unit 2755 does not open the virtual account associated with the voucher card rather than the customer payment method payment amount (or customer fee). Input the virtual account payment amount to be processed through the payment, and the full text generation unit 2760 is associated with the voucher card information (or customer authentication information) and the total payment amount information and the virtual account payment amount (eg, the voucher card) Amount of payment processing through a virtual account) and at least one full-text containing information stored in the memory unit 2745 FIG mubang generates a payment authorization request including the specialized, and which the present invention is not limited.

When the payment approval request full text is generated, the full text transmission unit 2765 transmits the generated payment approval request full text in association with the communication unit 2725 (network communication unit 2725) to the communication unit 2725 (network communication unit 2725). It is characterized in that the transmission to the payment server 2600 corresponding to the customer payment means through the payment network connected to)).

Thereafter, the professional processing unit 2770 is connected with the communication unit 2725 (network communication unit 2725) to determine whether a payment approval message corresponding to the payment approval request message is received from the payment server 2600 through the payment network. If a payment approval message corresponding to the payment approval request message is received from the payment server 2600 through the payment network, the screen output unit 2710 may display the payment processing details included in the payment approval message. Output through and / or print through the print output unit 2735.

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

In more detail, FIG. 28 illustrates a virtual account associated with the voucher card when a payment is made using a voucher card issued in connection with at least one customer payment means through the card issuing system shown in FIG. 9. The process of the payment terminal to process the payment process to generate a payment approval request for the payment processing, and the other part payment processing in the customer payment means associated with the voucher card, the payment process, specifically shown in Figure 27 Voucher card information (or customer authentication information) read from the voucher card at the terminal and the customer payment means payment amount (for example, customer burden amount, matching the customer payment means) of the total payment amount to be processed through the voucher card Or virtual using a virtual account associated with the voucher card in the total payment amount Shows a process of generating a payment approval request full text including an amount excluding an account payment amount and using the same for payment processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 28 to infer various implementation methods for configuring a payment terminal function for payment processing through the voucher card. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 28.

Referring to FIG. 28, the payment terminal shown in FIG. 26 is a voucher card information issued to the customer through the card issuing system shown in FIG. 9 through a predetermined card reader for payment processing through the voucher card. (Or customer authentication information) is read (2800).

According to an embodiment of the present invention, when the voucher card is a predetermined MS card, when the payment terminal recognizes the voucher card through a predetermined card reader, the voucher card is provided to the customer through the card issuing system shown in FIG. It is preferable to read predetermined voucher card information (or customer authentication information) from the MS provided in the issued voucher card.

According to another embodiment of the present invention, when the voucher card is a predetermined IC card, when the voucher card is recognized through the card reader, the payment terminal is linked with a predetermined key input means provided in the payment terminal. PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 2715 and transmitted to the IC card through the card interface 2700 to provide confidentiality of the IC card. Confidentiality, Authentication, Integrity, and Nonrepudiation), and when the IC card is validated, it is issued to the customer through the card issuing system shown in FIG. It is preferable to read predetermined voucher card information (or customer authentication information) from the IC chip included in the voucher card.

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

Thereafter, the terminal performs payment processing through at least one customer payment means associated with the voucher card of the total payment amount to be processed through the voucher card in connection with the key input unit 2715 (or Customer fee) is input (2805).

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

Alternatively, the payment terminal checks whether a total payment amount for payment processing is input through the voucher card through a predetermined key input means, and if the total payment amount is input, at least one of the total payment amounts associated with the voucher card. It is desirable to check (or calculate) the customer payment method payment amount (or customer charge) to be paid through one or more customer payment means.

Alternatively, the payment terminal checks whether a payment amount corresponding to at least one or more purchased products is input through a predetermined barcode reader (or RFID reader), and when the total payment amount summed with the payment amount for the purchased products is confirmed, It is preferable to check (or calculate) a customer payment means payment amount (or a customer charge) that is processed through at least one customer payment means associated with the voucher card of the total payment amount.

If the customer payment method payment amount is confirmed (2810), the payment terminal is the voucher card information (or customer authentication information) and the customer payment method payment amount (or customer fee) and the payment terminal as shown in Figure 29 In operation 2815, a payment approval request text including at least one full text including information stored in a memory of the memory is generated.

If the payment approval request message is generated (2820), the payment terminal transmits the payment approval request message (2825) to a payment server 2600 corresponding to the customer payment means through a predetermined payment network.

According to an embodiment of the present invention, when the payment terminal processes an offline payment, the payment terminal may correspond to the customer payment means using the full payment approval request message through a payment network including a value added network (VAN). It is preferable to transmit to the payment server (2600).

When the payment terminal processes an online payment according to another embodiment of the present invention, the payment terminal includes a communication network corresponding to a predetermined online payment protocol (eg, a secure payment protocol or a secure click protocol). It is preferable to transmit the full payment approval request message to a payment server 2600 corresponding to the customer payment means through a payment network.

Thereafter, the payment terminal periodically checks (2830) whether the payment approval message including the payment processing details corresponding to the payment approval request message is received from the payment server 2600 through the payment network.

If the payment approval message is received through the payment network (2835), the payment terminal displays the payment processing details (for example, payment approval details or payment error details) included in the received payment approval message. Or through a predetermined printing device 2740 (2840).

29 is a diagram illustrating a payment approval request specialized structure for payment processing through a voucher card according to an embodiment of the present invention.

More specifically, FIG. 29 illustrates a payment approval request specialized structure generated for payment processing through a voucher card in the payment terminal illustrated in FIG. 27, and specifically, at least one customer payment means associated with the voucher card. In the case of the credit card, the payment terminal payment matched to the customer payment means of the voucher card information (or customer authentication information) read from the voucher card in the payment terminal and the total payment amount to be processed through the voucher card The payment approval request specialty structure generated by including an amount (for example, the amount paid by the customer or the total amount of the payment except the amount of the virtual account payment using the virtual account associated with the voucher card) is shown.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 29 and, as intended by one skilled in the art, other customer payment means associated with the voucher card (e.g., check card, debit card, prepaid). Card, etc.), it will be possible to infer various payment approval request specialized structures for payment settlement processing through a voucher card, but the present invention includes all the implementation methods inferred above, and this payment approval request specialized structure is shown in this figure. It is by no means limited to the ones illustrated at 29.

Referring to FIG. 29, the payment approval request full-text structure may include at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

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

Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

Referring to FIG. 29 according to an embodiment of the present invention, the transaction classification item of the payment approval request message includes transaction classification information including any one of “credit approval request” or “credit approval cancellation”. The payment amount of the customer payment means (for example, the amount of the customer burden, or the total amount of payment to be processed through the voucher card during the payment processing through the voucher card issued under the name of the customer through the card issuing system shown in FIG. 9) Credit amount associated with the voucher card issued under the name of the customer through the information registration system shown in the drawing u of the amount corresponding to the total payment amount, excluding the virtual account settlement amount using the virtual account associated with the voucher card) This means that payment is processed through a card payment method.

According to an embodiment of the present invention, the TRACK II Data item corresponding to the voucher card information (or the customer authentication information) read from the voucher card issued to the customer in the full payment approval request is a case where the voucher card is an MS card. Preferably, the MS card includes a voucher card information (or customer authentication information) obtained from a primary account number (PAN) area of the TRACK II and additional data (AD) and / or discretionary data (DD) area of the MS card. Alternatively, when the voucher card is an IC card, the voucher card preferably includes voucher card information (or customer authentication information) obtained from the voucher storage information included in the IC card.

In addition, the payment amount item in the full text of the payment approval request, the total payment to be processed through the voucher card in the process of payment payment through the voucher card issued under the name of the customer through the card issuing system shown in FIG. The payment amount of the customer payment method (e.g., the amount paid by the customer, or the total payment amount, excluding the virtual account payment amount using the virtual account associated with the voucher card), is used to process payment using a credit card matching the customer payment method. It is preferable to include an amount corresponding to the amount of money).

30A and 30B illustrate a payment process using a voucher card according to an exemplary embodiment of the present invention.

In more detail, FIGS. 30A and 30B illustrate a voucher virtual account opened under a predetermined customer name through a voucher virtual account opening system shown in FIGS. 1 and / or 4 at a payment terminal on the payment system shown in FIG. 26. When payment is made through the voucher card issued to the customer through the card issuing system shown in FIG. 9, the voucher card information (or customer authentication information) and the customer payment means are settled at the payment terminal shown in FIG. When a payment approval request message including the amount information is generated and transmitted to the payment server 2600 on the payment system shown in FIG. 26, the payment server 2600 reads the payment amount of the customer payment means and the total payment amount and Check the virtual account payment amount and the customer payment means payment amount through the virtual account associated with the voucher card The virtual account payment amount is settled through the virtual account associated with the voucher card through the information registration system shown in FIGS. 11 and / or 16, and the payment amount of the confirmed customer payment means is determined. Regarding a process of payment processing through a customer payment means corresponding to at least one payment card issued to a customer, those skilled in the art to which the present invention pertains, refer to the drawings 30a and 30b and / Or it may be modified to infer various implementation methods for the payment process using the voucher card, but the present invention comprises all the implementation methods inferred, the only by the implementation method shown in Figure 30a and Figure 30b The technical features are not limited.

For example, in the implementation method shown in FIG. 30, the payment server 2600 processes the confirmed virtual account payment amount through a virtual account associated with the voucher card, and then confirms the payment amount of the customer payment method. It will be described as a payment processing through the customer payment means associated with the voucher card, but the present invention is not limited by this, and the process of payment processing the amount of the virtual account amount according to the intention of the skilled person and the customer Payment means Payment processing of the payment amount may be reversed, or may be made at the same time, the present invention is characterized in that it comprises all the above-described method.

In addition, the payment server 2600 is provided with only a functional configuration for processing the payment of the virtual account payment amount through the virtual account associated with the voucher card, or the customer payment through the customer payment means associated with the voucher card In the case where only a function configuration for processing a means payment amount is provided (for example, a virtual account payment function and a customer payment means payment function are provided in different servers (or separate payment systems)), The confirmed virtual account payment amount may be processed through a virtual account associated with the voucher card, or the confirmed customer payment method payment amount may be processed through a customer payment method associated with the voucher card. The invention is characterized by including all of the above-described method.

In the following drawings 30a and 30b, the payment terminal on the payment system shown in FIG. 26 is referred to as "terminal" for convenience, and the payment server 2600 on the payment system shown in FIG. 26 is called "server" for convenience. A communication network to which a VAN and / or a predetermined online payment protocol is applied to communicate the payment terminal and the payment server 2600 is referred to as a "payment network" for convenience.

Referring to FIGS. 30A and 30B, the terminal generates and transmits a full payment approval request message including the voucher card information (or customer authentication information) and the customer payment method payment amount information through the operation process illustrated in FIG. 28. Then, the server receives the full payment approval request message through a predetermined payment network (3000), and a storage medium for storing the predetermined customer card interworking information through the information registration system shown in Figure 11 and / or Figure 16 A voucher card corresponding to the voucher card information (or customer authentication information) included in the full payment approval request in association with 2630 may be added to the drawings 1 and / or 4 through the card issuing system shown in FIG. Through the illustrated voucher virtual account opening system, it is checked whether it is issued in association with the virtual account opened under the customer's name (3005).

According to an embodiment of the present invention, the server may transmit the received payment approval request message from among the voucher card information (or customer authentication information) stored in the storage medium 2630 on the information registration system shown in FIGS. 11 and / or 16. By checking whether the voucher card information (or customer authentication information) matching with the voucher card information (or customer authentication information) included in the present, the voucher card information (or customer authentication information) included in the full payment approval request is shown in the drawing Through the card issuing system shown in FIG. 9, it is preferable to check whether the voucher card is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4.

If a voucher card corresponding to the voucher card information (or customer authentication information) is stored in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If it is not issued in association with the opened virtual account (3010), the server generates the predetermined payment processing history information including the voucher card payment error history information (3015), the payment including the payment processing history information Generate an approval message (3090), and transmit the generated payment approval message to the terminal through the payment network (3095), and correspondingly, the terminal is included in the payment approval message as shown in FIG. Output (or print) the received payment processing details (eg, the voucher card payment error details information).

On the other hand, a voucher card corresponding to the voucher card information (or customer authentication information) is transferred to the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If it is issued in association with the opened virtual account (3015), the server may be configured to have a voucher card corresponding to the voucher card information (or customer authentication information) at least through the information registration system shown in Figs. Check whether the one or more customer payment methods are linked with the customer payment means corresponding to the transaction classification item included in the full payment approval request (3020).

According to an embodiment of the present invention, the server is matched with the voucher card information (or customer authentication information) included in the received payment approval request full text storage medium on the information registration system shown in Figure 11 and / or Figure 16 Corresponding to the voucher card information (or customer authentication information) by checking the payment card information corresponding to the at least one customer payment means stored in association with the voucher card information (or customer authentication information) stored in (2630) It is preferable to check whether the voucher card is a voucher card linked to at least one customer payment means through the information registration system shown in Figs. 11 and / or 16.

In addition, the server matches the customer payment means corresponding to the transaction classification items included in the full payment approval request of the at least one customer payment means associated with the voucher card corresponding to the voucher card information (or customer authentication information) By confirming that there is, there is a check that the voucher card corresponding to the voucher card information (or customer authentication information) is linked with the customer payment means corresponding to the transaction classification item included in the full payment approval request.

If the voucher card corresponding to the voucher card information (or customer authentication information) is the customer payment means corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figure 11 and / or Figure 16 (3025), the server generates predetermined payment processing history information including the voucher card payment error history information (3015), and generates a payment approval message including the payment processing history information (3015). 3090), the generated payment approval message is transmitted to the terminal through the payment network (3095), and the terminal correspondingly, as shown in FIG. 28, the payment processing details included in the payment approval message (for example, And (or print) the voucher card payment error history information).

On the other hand, the customer payment means corresponding to the voucher card information (or customer authentication information) corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figure 11 and / or 16 If it is associated with (3025), the server checks the total payment amount and the virtual account payment amount to be processed through the virtual account associated with the voucher card through the customer payment method payment amount included in the full payment approval request. (3030).

For example, during payment processing using the voucher card, 90% of the total payment amount is settled through a virtual account associated with the voucher card, and the remaining 10% is settled through the customer payment means. If the payment amount of the customer payment method included in the full approval request is 10,000 won, the server checks the total amount of payment to be processed through the voucher card as 100,000 won through the voucher card, and among the total payment amount The virtual account payment amount is confirmed as 90,000, and the customer payment means payment amount is confirmed as 10,000 of the total payment amount.

As described above, when the virtual account settlement amount and the customer payment means settlement amount are confirmed, the server is linked to the financial system and the virtual account of the customer name corresponding to the virtual account information associated with the voucher card (for example, FIG. 1 and And / or check the payment validity of the virtual account through the voucher virtual account opening system shown in FIG. 4 to determine whether the virtual account payment amount can be processed through the virtual account opened under the name of the customer (3035).

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

If the payment validity for the virtual account is not authenticated (3040), the server is a virtual account of the customer name associated with the voucher card (eg, the voucher virtual account opening system shown in Figures 1 and / or 4). Generate predetermined payment processing history information including virtual account payment error history information for the virtual account opened under the name of the customer (3045), and generate a payment approval message including the payment processing history information (3045); 3090), the generated payment approval message is transmitted to the terminal through the payment network (3095), and the terminal correspondingly, as shown in FIG. 28, the payment processing details included in the payment approval message (for example, Outputs (or prints) the virtual account payment error history information).

On the other hand, if the validity of the payment for the virtual account is authenticated (3045), the server connects the confirmed virtual account payment amount in connection with the financial system to the virtual account of the customer name associated with the voucher card (eg, the drawing). 1 and / or payment processing through the virtual account opened under the customer name through the voucher virtual account opening system shown in FIG. 4 (3050).

If the payment processing of the virtual account payment amount through the virtual account of the customer name associated with the voucher card is confirmed (3055), the server is linked to the financial system to the confirmed customer payment means (e.g., to the customer). The customer payment means can process the payment amount of the customer payment means through the customer payment means corresponding to the transaction classification item included in the full payment approval request of the customer payment means corresponding to the issued at least one payment card; Check the validity of the payment for (3060).

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

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

If the payment validity for the customer payment means is not authenticated (3065), the server generates predetermined payment processing history information including customer payment means payment error history information for the customer payment means (3070), and A payment approval message including payment processing history information is generated (3090), and the generated payment approval message is transmitted to the terminal through the payment network (3095). In response, the terminal is shown in FIG. As described above, the payment processing details (for example, customer payment means payment error detail information about the customer payment means) included in the payment approval message are output (or printed).

On the other hand, if the validity of payment for the customer payment means is authenticated (3065), the server is associated with the financial system customer payment means corresponding to the at least one payment card issued to the customer to the confirmed customer payment means payment amount Payment processing through (3075).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (3080), the server and the virtual account payment approval history information corresponding to the virtual account associated with the voucher card in conjunction with the financial system; Generate predetermined payment processing detail information including customer payment means payment approval history information corresponding to the customer payment means (3085), generate a payment approval text including the payment processing history information (3090), and generate The payment approval message is transmitted to the terminal through the payment network (3095), and the terminal correspondingly, as shown in FIG. 28, the payment processing history information included in the payment approval message (for example, the virtual account). Payment approval history information and customer payment method payment approval history information) are output (or printed).

* Then, the server is linked with the financial system virtual account withdrawal details including the virtual account payment approval details corresponding to the virtual account payment amount (for example, the mother account associated with the virtual account in response to the payment approval request full text) Withdraws the amount corresponding to the virtual account payment amount, and stores the withdrawal amount transferred to the financial account of the payment requesting institution in the virtual account ledger provided in the ledger D / B on the financial system; (3099).

Here, the virtual account withdrawal history including the virtual account payment approval details corresponding to the virtual account payment amount, the withdrawal date and time information, the withdrawal amount information corresponding to the virtual account payment amount, and the payment approval request It is preferable that the withdrawal target information including the payment requesting institution (eg, payment affiliated store) information included in the full text is included.

According to the method of the present invention, the virtual account withdrawal information stored in the virtual account ledger provided in the ledger D / B on the financial system is periodically extracted through the voucher payment virtual account operating system shown in FIG. After being processed as a virtual account usage history corresponding to the payment of the account, a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) corresponding to the mother account opening institution associated with the virtual account is provided. It is preferably provided to an institutional server.

31 is a flowchart illustrating an operation process of a payment terminal according to another embodiment of the present invention.

In more detail, FIG. 31 illustrates a virtual account associated with the voucher card when a payment is made using a voucher card issued in connection with at least one customer payment means through the card issuing system shown in FIG. 9. The process of the payment terminal to process the payment process to generate a payment approval request for the payment processing, and the other part payment processing in the customer payment means associated with the voucher card, the payment process, specifically shown in Figure 27 Voucher card information (or customer authentication information) read from the voucher card at the terminal, the total payment amount information to be processed through the voucher card and the customer payment means payment amount matching the customer payment means of the total payment amount ( For example, the voucher card is linked to the customer's payment amount or the total payment amount. To create a professional payment authorization request including the amount, excluding payments virtual account using a virtual account) it shows the process used for payment processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 31 to infer various implementation methods for configuring a payment terminal function for payment processing through the voucher card. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 31, the payment terminal shown in FIG. 26 is a voucher card information issued to the customer through the card issuing system shown in FIG. 9 through a predetermined card reader for payment processing through the voucher card. (Or customer authentication information) is read (3100).

According to an embodiment of the present invention, when the voucher card is a predetermined MS card, when the payment terminal recognizes the voucher card through a predetermined card reader, the voucher card is provided to the customer through the card issuing system shown in FIG. It is preferable to read predetermined voucher card information (or customer authentication information) from the MS provided in the issued voucher card.

According to another embodiment of the present invention, when the voucher card is a predetermined IC card, when the voucher card is recognized through the card reader, the payment terminal is linked with a predetermined key input means provided in the payment terminal. PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 2715 and transmitted to the IC card through the card interface 2700 to provide confidentiality of the IC card. Confidentiality, Authentication, Integrity, and Nonrepudiation), and when the IC card is validated, it is issued to the customer through the card issuing system shown in FIG. It is preferable to read predetermined voucher card information (or customer authentication information) from the IC chip included in the voucher card.

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

Thereafter, the terminal performs payment processing through at least one customer payment means associated with the voucher card of the total payment amount information to be processed through the voucher card in connection with the key input unit 2715 and the total payment amount. The payment method checks whether a payment amount (or customer fee) is input (3105).

According to an embodiment of the present invention, the payment terminal may include at least one customer payment means associated with the voucher card of the total payment amount information and the total payment amount to be processed through the voucher card through a predetermined key input means. It is preferable to check whether the payment amount of the customer payment method through the payment processing is input.

Alternatively, the payment terminal checks whether a total payment amount for payment processing is input through the voucher card through a predetermined key input means, and if the total payment amount is input, at least one of the total payment amounts associated with the voucher card. It is desirable to check (or calculate) the customer payment method payment amount (or customer charge) to be paid through one or more customer payment means.

Alternatively, the payment terminal checks whether a payment amount corresponding to at least one or more purchased products is input through a predetermined barcode reader (or RFID reader), and when the total payment amount summed with the payment amount for the purchased products is confirmed, It is preferable to check (or calculate) a customer payment means payment amount (or a customer charge) that is processed through at least one customer payment means associated with the voucher card of the total payment amount.

If the customer payment means payment amount of the total payment amount information to be processed through the voucher card and the total payment amount is confirmed (3110), the payment terminal is the voucher card information (or customer authentication as shown in Figure 32) Information), a total payment amount information to be processed through the voucher card, a payment approval including a customer payment method payment amount (or a customer fee) among the total payment amount and at least one full-text inclusion information stored in the memory of the payment terminal. Generate the full request (3115).

If the payment approval request message is generated (3120), the payment terminal transmits the payment approval request message to the payment server 2600 corresponding to the customer payment means (3125) through a predetermined payment network.

According to an embodiment of the present invention, when the payment terminal processes an offline payment, the payment terminal may correspond to the customer payment means using the full payment approval request message through a payment network including a value added network (VAN). It is preferable to transmit to the payment server (2600).

When the payment terminal processes an online payment according to another embodiment of the present invention, the payment terminal includes a communication network corresponding to a predetermined online payment protocol (eg, a secure payment protocol or a secure click protocol). It is preferable to transmit the full payment approval request message to a payment server 2600 corresponding to the customer payment means through a payment network.

Thereafter, the payment terminal periodically checks whether the payment approval message including the payment processing details corresponding to the payment approval request message is received from the payment server 2600 through the payment network (3130).

If the payment approval message is received through the payment network (3135), the payment terminal displays the payment processing details (eg, payment approval details or payment error details) included in the received payment approval message. Output through the output, or via the predetermined printing device 2740 (3140).

32 is a diagram illustrating a payment approval request specialized structure for payment processing through a voucher card according to another embodiment of the present invention.

More specifically, FIG. 32 is a payment approval request specialized structure generated for payment processing through a voucher card in the payment terminal shown in FIG. 27, and specifically, at least one customer payment means associated with the voucher card. In the case of the credit card, the voucher card information (or customer authentication information) read from the voucher card in the payment terminal, the total payment amount information to be processed through the voucher card, and the customer payment means of the total payment amount Shows the payment approval request structure generated by including the payment amount of the customer payment method (for example, the amount paid by the customer or the total payment amount excluding the virtual account payment amount using the virtual account associated with the voucher card). It is.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 32 and, as intended by one skilled in the art, to other customer payment means associated with the voucher card (e.g., check card, debit card, prepaid). Card, etc.), it will be possible to infer various payment approval request specialized structures for payment settlement processing through a voucher card, but the present invention includes all the implementation methods inferred above, and this payment approval request specialized structure is shown in this figure. It is by no means limited to the ones illustrated at 32.

Referring to FIG. 32, the payment approval request full-text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

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

Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

Referring to FIG. 32 according to an embodiment of the present invention, the transaction classification item of the payment approval request message includes transaction classification information including any one of a "credit approval request" or a "credit approval cancellation". The payment amount of the customer payment means (for example, the amount of the customer burden, or the total amount of payment to be processed through the voucher card during the payment processing through the voucher card issued under the name of the customer through the card issuing system shown in FIG. 9) Credit amount associated with the voucher card issued under the name of the customer through the information registration system shown in the drawing u of the amount corresponding to the total payment amount, excluding the virtual account settlement amount using the virtual account associated with the voucher card) This means that payment is processed through a card payment method.

According to an embodiment of the present invention, the TRACK II Data item corresponding to the voucher card information (or the customer authentication information) read from the voucher card issued to the customer in the full payment approval request is a case where the voucher card is an MS card. Preferably, the MS card includes a voucher card information (or customer authentication information) obtained from a primary account number (PAN) area of the TRACK II and additional data (AD) and / or discretionary data (DD) area of the MS card. Alternatively, when the voucher card is an IC card, the voucher card preferably includes voucher card information (or customer authentication information) obtained from the voucher storage information included in the IC card.

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

In addition, the payment amount item in the full payment approval request, the total payment to be processed through the voucher card in the payment process through the voucher card issued under the name of the customer through the card issuing system shown in FIG. The payment amount of the customer payment method (e.g., the amount paid by the customer, or the total payment amount, excluding the virtual account payment amount using the virtual account associated with the voucher card), is used to process payment using a credit card matching the customer payment method. It is preferable to include an amount corresponding to the amount of money).

33A and 33B illustrate a payment process using a voucher card according to another exemplary embodiment of the present invention.

More specifically, FIGS. 33A and 33B illustrate a voucher virtual account opened under a predetermined customer name through a voucher virtual account opening system shown in FIGS. 1 and / or 4 at a payment terminal on the payment system shown in FIG. 26. When the payment is made through the voucher card issued to the customer through the card issuing system shown in Fig. 9, the voucher card information (or customer authentication information) and the voucher card are exchanged by the payment terminal shown in Fig. 27. When a payment approval request message including a total payment amount information to be processed through the payment and customer payment means payment amount information among the total payment amount is generated and transmitted to the payment server 2600 on the payment system shown in FIG. 26, the payment The server 2600 reads the payment amount of the customer payment means and passes the total payment amount and the virtual account associated with the voucher card. The virtual account payment amount and the customer payment method payment amount, etc. to be settled are checked, and the confirmed virtual account payment amount is virtually associated with the voucher card through the information registration system shown in FIGS. 11 and / or 16. Payment process through the account, and the process of the payment processing through the customer payment means corresponding to the at least one payment card issued to the customer for the confirmed customer payment means payment amount, usually in the technical field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods for the payment process using the voucher card by referring to and / or modifying the drawings 33a and 33b, but the present invention includes all the implementation methods inferred from the above. The technical features of the present invention are not limited to only the method shown in FIGS. 33A and 33B. .

For example, in the implementation method shown in FIG. 33, the payment server 2600 processes the confirmed virtual account payment amount through a virtual account associated with the voucher card and then displays the confirmed customer payment means payment amount. Although described as a payment processing through the customer payment means associated with the voucher card, the present invention is not limited by this, and the process of the payment processing the amount of the virtual account amount according to the intention of the skilled person and the customer payment The payment processing of the means payment amount may be reversed or made simultaneously, and the present invention is characterized by including all of the above-described methods.

In addition, the payment server 2600 is provided with only a functional configuration for processing the virtual account payment amount through the virtual account associated with the voucher card, or the customer payment means through the customer payment means associated with the voucher card In the case where only a function configuration for processing a payment amount is provided (for example, when a virtual account payment function and a customer payment method payment function are provided in different servers (or separate payment systems)), the check server 2600 confirms the check. The virtual account payment amount may be processed through the virtual account associated with the voucher card, or the confirmed customer payment means payment amount may be processed through the customer payment means associated with the voucher card, and the present invention Is characterized in that it comprises all of the above-described method.

Hereinafter, in FIG. 33A and FIG. 33B, the payment terminal on the payment system shown in FIG. 26 is called "terminal" for convenience, and the payment server 2600 on the payment system shown in FIG. 26 is called "server" for convenience. A communication network to which a VAN and / or a predetermined online payment protocol is applied to communicate the payment terminal and the payment server 2600 is referred to as a "payment network" for convenience.

Referring to FIGS. 33A and 33B, the terminal performs voucher card information (or customer authentication information), total payment amount information to be processed through the voucher card, and the total payment amount through the operation process illustrated in FIG. 31. When the payment approval request message including the payment amount information of the customer payment method is generated and transmitted, the server receives the payment approval request message through a predetermined payment network (3300) and is shown in FIGS. 11 and / or 16. The voucher card corresponding to the voucher card information (or customer authentication information) included in the payment approval request text is linked to the storage medium 2630 for storing predetermined customer card interworking information through the registered information registration system. The virtual card opened under the name of the customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the illustrated card issuing system Check whether the left and linked issues (3305).

According to an embodiment of the present invention, the server receives the payment approval request from the voucher card information (or customer authentication information) stored in the storage medium 2630 on the information registration system shown in FIGS. 11 and / or 16. By inquiring whether the voucher card information (or customer authentication information) matching the voucher card information (or customer authentication information) included in the full text exists, the voucher card information (or customer authentication information) included in the payment approval request text is displayed. Through the card issuing system shown in FIG. 9, it is preferable to check whether the voucher card is issued in association with the virtual account opened under the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4. .

If a voucher card corresponding to the voucher card information (or customer authentication information) is stored in the customer's name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If it is not issued in association with the opened virtual account (3310), the server generates a predetermined payment processing history information including the voucher card payment error history information (3315), the payment including the payment processing history information Generate an approval message (3390), transmit the generated payment approval message to the terminal through the payment network (3395), and correspondingly, the terminal is included in the payment approval message as shown in FIG. Output (or print) the received payment processing details (eg, the voucher card payment error details information).

On the other hand, a voucher card corresponding to the voucher card information (or customer authentication information) is transferred to the customer name through the voucher virtual account opening system shown in FIGS. 1 and / or 4 through the card issuing system shown in FIG. If it is issued in association with the opened virtual account (3315), the server may be configured to provide a voucher card corresponding to the voucher card information (or customer authentication information) at least through the information registration system shown in Figs. In operation 3320, it is determined whether one or more customer payment methods are linked with the customer payment means corresponding to the transaction classification item included in the full payment approval request.

According to an embodiment of the present invention, the server is matched with the voucher card information (or customer authentication information) included in the received payment approval request full text storage medium on the information registration system shown in Figure 11 and / or Figure 16 Corresponding to the voucher card information (or customer authentication information) by checking the payment card information corresponding to the at least one customer payment means stored in association with the voucher card information (or customer authentication information) stored in (2630) It is preferable to check whether the voucher card is a voucher card linked to at least one customer payment means through the information registration system shown in Figs. 11 and / or 16.

In addition, the server matches the customer payment means corresponding to the transaction classification items included in the full payment approval request of the at least one customer payment means associated with the voucher card corresponding to the voucher card information (or customer authentication information) By confirming that there is a check, whether the voucher card corresponding to the voucher card information (or customer authentication information) is processed in association with the customer payment means corresponding to the transaction classification item included in the full payment approval request.

If the voucher card corresponding to the voucher card information (or customer authentication information) is the customer payment means corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figure 11 and / or Figure 16 (3325), the server generates predetermined payment processing history information including the voucher card payment error history information (3315), and generates a payment approval message including the payment processing history information (3315); 3390), the generated payment approval message is transmitted to the terminal through the payment network (3395), and the terminal correspondingly, as shown in FIG. 31, the payment processing details included in the payment approval message (for example, And (or print) the voucher card payment error history information).

On the other hand, the customer payment means corresponding to the voucher card information (or customer authentication information) corresponding to the transaction category included in the full payment approval request through the information registration system shown in Figure 11 and / or 16 If it is associated with (3325), the server through the virtual account associated with the voucher card through the total payment amount information and the customer payment means information included in the payment approval request full text payment amount to be processed for the virtual account Check (3330).

For example, if the total payment amount information included in the full payment approval request is 100,000 won, and the customer payment means payment amount is 10,000 won, the amount confirmation unit 2620 may determine the amount confirmation unit 2620 through the voucher card. The total payment amount to be processed is 100,000 won, the virtual account payment amount of the total payment amount is 90,000, and the customer payment means payment amount of the total payment amount is 10,000.

As described above, when the virtual account settlement amount and the customer payment means settlement amount are confirmed, the server is linked to the financial system and the virtual account of the customer name corresponding to the virtual account information associated with the voucher card (for example, FIG. 1 and / Or checks the validity of the payment for the virtual account through the voucher virtual account opening system shown in Figure 4 whether the virtual account payment amount can be processed through the virtual account opened in the customer name) (3335).

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

If the payment validity for the virtual account is not authenticated (3340), the server is a virtual account of the customer name associated with the voucher card (e.g., the voucher virtual account opening system shown in Figs. 1 and / or 4). Generate predetermined payment processing history information including virtual account payment error history information for the virtual account opened under the customer name (3345), and generate a payment approval message including the payment processing history information (3345); 3390), the generated payment approval message is transmitted to the terminal through the payment network (3395), and the terminal correspondingly, as shown in FIG. 31, the payment processing details included in the payment approval message (for example, Outputs (or prints) the virtual account payment error history information).

On the other hand, if the validity of payment for the virtual account is authenticated (3345), the server connects the confirmed virtual account payment amount in association with the financial system to the virtual account of the customer name associated with the voucher card (eg, FIG. 1). And / or payment processing through the voucher virtual account opening system shown in FIG. 4 through a virtual account opened under the name of the customer (3350).

If the payment processing of the virtual account payment amount through the virtual account of the customer name associated with the voucher card is confirmed (3355), the server is linked to the financial system to the confirmed customer payment means (e.g., to the customer). The customer payment means whether the customer payment means payment amount can be processed through the customer payment means corresponding to the transaction classification item included in the full text of the payment approval request among the customer payment means corresponding to the issued at least one payment card; Check the validity of the payment for the means (3360).

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

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

If the payment validity for the customer payment method is not authenticated (3365), the server generates predetermined payment processing history information including the customer payment method payment error history information for the customer payment method (3370), A payment approval message including payment processing history information is generated (3390), and the generated payment approval message is transmitted to the terminal through the payment network (3395); correspondingly, the terminal is shown in FIG. As described above, the payment processing details (for example, customer payment means payment error detail information about the customer payment means) included in the payment approval message are output (or printed).

On the other hand, if the validity of payment for the customer payment means is authenticated (3365), the server is associated with the financial system customer payment means corresponding to the at least one payment card issued to the customer the payment amount of the confirmed customer payment means Payment processing through (3375).

If the payment processing of the customer payment means payment amount through the customer payment means is confirmed (3380), the server and the virtual account payment approval history information corresponding to the virtual account associated with the voucher card in conjunction with the financial system; Generate predetermined payment processing history information including customer payment means payment approval history information corresponding to the customer payment method (3385), generate a payment approval text including the payment processing history information (3390), and generate The payment approval message is transmitted to the terminal through the payment network (3395), and the terminal correspondingly, as shown in FIG. 31, the payment processing history information included in the payment approval message (for example, the virtual account). Payment approval history information and customer payment method payment approval history information) are output (or printed).

* Then, the server is associated with the financial system virtual account withdrawal details (for example, in connection with the full payment authorization request in conjunction with the virtual account corresponding to the virtual account payment authorization details corresponding to the payment amount of the virtual account) Withdraw the amount corresponding to the virtual account settlement amount from the mother account, and transfers the withdrawal amount to the financial account of the payment requesting institution in the virtual account ledger provided in the ledger D / B on the financial system (3399).

Here, the virtual account withdrawal history including the virtual account payment approval details corresponding to the virtual account payment amount, the withdrawal date and time information, the withdrawal amount information corresponding to the virtual account payment amount, and the payment approval request It is preferable that the withdrawal target information including the payment requesting institution (eg, payment affiliated store) information included in the full text is included.

According to the method of the present invention, the virtual account withdrawal information stored in the virtual account ledger provided in the ledger D / B on the financial system is periodically extracted through the voucher payment virtual account operating system shown in FIG. After being processed as a virtual account usage history corresponding to the payment of the account, a predetermined welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government) corresponding to the mother account opening institution associated with the virtual account is provided. It is preferably provided to an institutional server.

According to the present invention, at least one beneficiary is eligible for a given national institution (e.g., the Ministry of Health and Welfare for the welfare fund, the National Pension Service for the National Pension Service, or each local government) and / or the insurance company. The funds (or pensions, or insurance money) that is operated by the user through the payment virtual account opened in the name of the customer has the advantage of valid and reliable payment to the recipient.

According to the present invention, at least one beneficiary may be provided by a predetermined national institution (eg, the Ministry of Health and Welfare that operates the Welfare Fund, or the National Pension Service that operates the National Pension Service, or each local government) and / or insurance company. After opening a payment virtual account in which a fund (or pension or insurance) to be managed is deposited, a customer corresponding to the beneficiary may use the financial transaction when using at least one financial transaction for the amount deposited in the virtual account. By providing corresponding virtual account usage history periodically to the national agency (e.g., the Ministry of Health and Welfare for the welfare fund, or the National Pension Service for the National Pension Service, or each local government) and / or the insurance company, The national institution (e.g., the Ministry of Health and Welfare managing the Welfare Fund, or the National Pension Service of the National Pension Service; In each municipality) and / or the insurer has the advantage that manages the virtual account payment of the customer's name.

According to the present invention, at least one beneficiary may be provided by a predetermined national institution (eg, the Ministry of Health and Welfare that operates the Welfare Fund, or the National Pension Service that operates the National Pension Service, or each local government) and / or insurance company. After opening a payment virtual account in which a fund (or pension or insurance) to be managed is deposited, when the customer corresponding to the beneficiary processes at least one payment through the amount deposited in the virtual account, the payment processing is performed. By periodically providing the use of a predetermined virtual account corresponding to the national institution (for example, the Ministry of Health and Welfare to manage the welfare fund, or the National Pension Service to manage the national pension, or each local government) and / or insurance company The national agency (e.g., the Ministry of Health and Welfare managing the Welfare Fund, or the National Pension Service of the National Pension Service; In each municipality) and / or the insurer has the advantage that manages the virtual account payment of the customer's name.

Claims (1)

An account opening means for opening a payment-only virtual account capable of withdrawing a transaction for payment of funds operated by a fund operator for each of a plurality of payees, using the fund manager's account as a parent account in each payee's name; Account management means for storing at least one or more withdrawal transaction details for the plurality of payment-only virtual accounts in each payment-only virtual account ledger; Information processing means for periodically checking at least one or more withdrawal transaction details for the payment-only virtual account stored in the payment-only virtual account ledger and integrating and classifying the information by a certain period, by payment target, region, and account; And And information providing means for providing the fund operator with at least one or more withdrawal transaction details for the consolidated and classified plurality of payment-only virtual accounts.

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