KR20080104084A - Merchant account operation method and system and program recording medium therefor - Google Patents

Abstract

The present invention relates to a method and system for operating a merchant account and a program recording medium therefor. The method for operating a merchant account according to the present invention includes account information for card sales counting and deposit management of a predetermined merchant in a predetermined information registration means. Registering in a predetermined storage medium by linking with affiliated store information, interworking with at least one card company server in a predetermined information checking means, and deposit information on the amount of money to be deposited into the account in response to the card sales generated in the affiliated store; And depositing the deposit amount information in a predetermined storage medium by interworking the deposit amount information with the account information in a predetermined information storage means and depositing for each card company in a predetermined interface providing means. Providing the estimated amount information and the actual deposit amount information to the merchant customer terminal Includes the step of providing a predetermined user interface for the deposit control of the merchant customer.

Description

System and Method for Managing Affiliated Store Account and Program Recording Medium}

1 is a diagram illustrating an e-Lounge issuing system for managing card sales of small and medium stores according to an embodiment of the present invention.

2A and 2B are diagrams illustrating the ledger information configuration including e-book account service information according to an embodiment of the present invention.

3 is a diagram illustrating a process of issuing an e-book account according to one embodiment of the present invention.

FIG. 4 is a diagram illustrating an e-book account issuing system for managing card sales of a small and medium shop according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a process of issuing an e-book account according to another embodiment of the present invention.

6 is a diagram illustrating a configuration of an e-book management system according to an embodiment of the present invention.

7 is a diagram illustrating an e-soho account operating process for managing sales collection according to card sales of a store according to an exemplary embodiment of the present invention.

8 is a diagram illustrating a system for processing a bill purchase (or payout) according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a slip payment processing process according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a system configuration for managing sales collection, etc. according to a card sales of a store to an e-Lounge issuing customer connected to a financial institution through Internet banking according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

12 is a diagram illustrating an e-book management process according to an embodiment of the present invention.

13 is an exemplary view showing a screen for the card revenue and deposit counting according to an embodiment of the present invention.

14 is an exemplary view showing a screen for deposit management report by card company according to an embodiment of the present invention.

<Description of main parts of drawing>

100: bankbook issuance server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: Bank book issuer 135: Ledger D / B

The present invention integrates and manages credit card turnover and credit card receipt information for SOHO operators or small businesses, provides basic accounting data and basic cash deposit and withdrawal management functions, and effectively handles all business with an accounting office. The present invention relates to a method and a system for operating a merchant account.

The term SOHO is a new coin that has emerged with recent global changes. It is a new type of business that is already common in developed countries such as the United States and Japan. It is a small office or Soho business center and a computer with an optimal working environment with high-tech communication equipment or office equipment. It refers to a variety of projects that small-scale personnel use in their homes made possible by the development of information and communication such as the Internet.

These SOHOs are attracting attention as a new group of experts in Korea due to the overlapping social environment such as weight management with the development of the Internet and computer networks. The background of this change is the flow of 'information society' that has emerged strongly around us since the late 80s. This information society refers to a system in which information exchange is a major economic and social activity in a society.

The information society based on information technology and information manpower is rapidly changing our lives by the development of computer business, information service industry, software industry and knowledge industry. In Korea, the small business, which operates with small capital of around 50 million won, is called Soho. Soho boom is a global trend.

In addition, due to the rapid spread of the Internet and the development of information and communication technology, occupations that are able to do enough work using only computer communication networks such as e-mail and database without going to work are increasing.

On the other hand, these SOHO operators do not have special financial or accounting departments like general SMEs or large corporations, so it is not easy to manage the sales or collection of revenues. Management programs are being launched, but the payment for sales was inconvenient to look up the transaction details of the bank account.

In addition, there was an inconvenience in that the relevant data (eg, tax invoice, etc.) should be sent to the accounting office one by one for accounting.

An object of the present invention for solving the above problems, the information registration means for registering the account information for card sales counting and deposit management of a predetermined merchant affiliated with the merchant information to register in a predetermined storage medium, and at least one card company Interworking with the server, information checking means for confirming deposit information amount to be deposited into the account in response to the card sales generated at the affiliated store; and when the deposit amount is deposited, the deposit amount information is linked to the account information Information storage means for storing in a predetermined storage medium and the payment amount information and actual deposit amount information for each card company to the merchant customer terminal, and the interface providing means for providing a predetermined interface for managing the deposit amount of the merchant customer; To provide a merchant account management system.

The merchant account operating method according to the present invention comprises the steps of registering account information for card sales counting and deposit management of a predetermined merchant in a predetermined information registration means in association with the merchant information in a predetermined storage medium; Confirming the deposit amount amount information to be deposited into the account in response to the card sales generated at the affiliated store by interworking with at least one card company server in the information checking means; and storing the predetermined information when the deposit amount amount is to be deposited Means for storing the deposit amount information in association with the account information and storing the deposit amount information in a predetermined storage medium; and providing deposit amount information and actual deposit amount information for each card company to the merchant customer terminal in a predetermined interface providing means; Providing a predetermined user interface for managing the deposit amount of a user Characterized in that comprises a.

According to the present invention, the affiliated store information may include at least one or more of a business name, a business registration number, an address, a business status, an item, a business start date, a contact number, and a merchant code (or number).

According to the present invention, the user interface, an interface for simultaneously displaying the payment amount information and actual deposit amount information for each card company, an interface for inputting (or selecting) cash expenditure, and for managing sales and deposit information for a specific period It characterized in that it comprises at least one interface.

On the other hand, the present invention includes a recording medium recording a computer-readable program for implementing the above-described method of operating a merchant account.

On the other hand, the merchant account management system according to the present invention, the information registration means for registering the account information for card sales counting and deposit management of a predetermined merchant affiliated with the merchant information to register in a predetermined storage medium, and at least one card company Information checking means for confirming deposit information amount to be deposited into the account in correspondence with card sales generated at the affiliated store in association with a server; and if the deposit amount is to be deposited, deposit amount information is linked with the account information. An information storage means for processing and storing the predetermined amount of deposit information and actual deposit amount information for each card company to the affiliated customer terminal, and providing an interface for managing the deposit amount of the affiliated customer. It is characterized by comprising.

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

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

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

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

1 is a diagram illustrating an e-Lounge issuing system for managing card sales of small and medium stores according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer (e.g., a shop owner or a business owner, etc.) manages sales collection according to card sales of a store according to the present invention with an e-book account issuing system through a predetermined e-book book issuing interface. When providing the e-Loss Bank issuing application information for the, the e-Loss Bank issuing system for the system configuration for issuing the e-Loss Bankbook according to the present invention to the customer based on the provided e-Loss Bank issuing information As one having ordinary skill in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to or modifying the drawing of FIG. As will be appreciated, the present invention includes all implementation methods inferred and are not limited to the implementation method illustrated in FIG. do.

Hereinafter, on the e-book account issuing system shown in FIG. 1, the customer is based on the e-book book issuing application information provided from the customer (eg, the shop owner or the business owner) through a predetermined e-book book issuing interface. The component corresponding to at least one or more means or functional configuration for issuing an e-Lower account according to the present invention is referred to as "passbook issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an e-soho account issuing system for managing sales collection according to card sales of a store according to the present invention comprises an employee terminal used by a teller provided with at least one financial institution. It characterized in that it comprises a, wherein the employee terminal is connected to the communication channel and the e-book pass issuing server provided on the e-book pass issuing system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer (for example, the shop owner or the business owner) visits the financial institution to manage the sales collection according to the card sales of the store according to the present invention through a window provided in the financial institution. Application for issuing a predetermined e-Loty Bankbook for managing sales collection according to the card sales of the store (or through a cashier) (e.g., to fill in at least one information item for managing sales collection according to the card sales of the store) A document with a form) (or the teller visits the customer and asks the customer to fill out a predetermined e-Loss Bank issuance application form for managing sales collection according to the card sales of the store); When the completed e-Loss issuance application is submitted to the counter clerk, the counter clerk is reminded through Enter (or select) the information entered in the application form for issuing an e-book, and the employee terminal transmits the entered (or selected) information to the e-signbook issuing system through the network means. It is preferable to send to the bank account issuing server.

According to another exemplary embodiment of the present invention, the customer (for example, a shop owner or a business owner) is a predetermined information input device (for example, a predetermined screen output device) associated with the employee terminal (or a window terminal). And outputting an information input interface screen including an e-social bankbook issuance request information input item and inputting predetermined information to an information input item corresponding to the information input interface through a predetermined key input device. Terminal) to input the customer information and e-Lounge issuing application information can be provided to the employee terminal (or teller terminal), whereby the present invention is not limited.

Preferably, the employee terminal includes a teller terminal used by a teller employee provided in the financial institution, and the e-social account issuing server connected to the employee terminal includes a ledger server provided on the predetermined financial system. Preferably, the network means for connecting the employee terminal and the e-book account issuing server includes a financial network (e.g., a bank network) for connecting a communication channel between the employee terminal and the e-book account issuing server. It is preferable to make.

In the system for issuing e-books as described above, an application form for issuing e-books created by the customer (for example, a shop owner or a business owner), an employee terminal used by the teller, the employee terminal, and the e-book account book. The financial network connecting the issuing server performs a function of the e-Loss Bank issuing interface for registering the e-Loss Bank issuing application information for the customer to manage sales collection according to the card sales of the store according to the present invention.

A financial institution that issues an e-Lounge account to the customer (eg, a store owner or business owner) may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction customers. It is characterized by having a predetermined financial system for.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or headquarters or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Through the counter terminal, provides a face-to-face financial transaction service to at least one financial transaction customer (eg, a shop owner or a business owner).

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or a headquarter or a branch) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer (eg, a shop owner or a business owner).

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function A non-face-to-face financial transaction service to at least one or more financial transaction customers (eg, shop owners or business owners) through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers (eg, shop owners or business owners) through a PDA (Personal Digital Assistant) or a smart phone or telematics.

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, Or at least one financial transaction customer (e.g., via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip)) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction services to shop owners or business owners.

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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer (eg, a shop owner or business owner).

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 or refrigerator connected to a home network) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service is provided to at least one financial transaction customer (eg, a shop owner or a business owner).

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 The non-face-to-face financial transaction service is provided to at least one financial transaction customer (eg, a shop owner or a business owner) through a terrestrial DMB terminal.

Referring to FIG. 1, the financial system opens at least one financial account to at least one financial transaction customer (eg, a shop owner or business owner) and provides at least one financial transaction service based on the financial account book. It is a computerized system provided to financial institutions, which is responsible for handling accounting services such as credits, receiving or trusts or foreign exchanges occurring at one or more branches (or counters), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided in the information system to be processed and interconnected between the financial system and at least one other financial system (or payment system), or at least one external communication network. , IC chip-based wireless banking, telebanking, TV banking, etc.) Access to a financial system, or the external system that provides a variety of financial transaction interfaces through at least one or more common networks (eg, CD common network, financial common network), the financial system is the financial system An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, customer information, management information, etc.) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one or more databases for storing and managing information).

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to at least one or more financial transaction customers (eg, shop owners or business owners), at least one based on the financial account And a ledger D / B 135 on a financial system that stores at least one ledger for providing the above financial transaction service, wherein the ledger D / B 135 on the financial system includes: At least one or more ledger information (eg, a customer ledger, a reception ledger, a collateral ledger, etc.) for processing at least one or more financial transactions to be provided to the financial transaction customer, and corresponding to each ledger information (eg, attributes / functions of each ledger) At least one ledger additional information, which further refines or supplements That it is characterized.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 135 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are linked relationally. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

The e-social bankbook issuing server provided on the e-social bankbook issuing system according to the present invention is configured to be connected to the bankbook issuing terminal (not shown separately) through a predetermined network means. Collectively, the elements may be embodied including at least one server (or device), or may be embodied by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention It is not limited.

According to the embodiment of the present invention, the e-book account issuing server is characterized in that it comprises an interface unit 105 for providing a predetermined e-book account issuing interface to the bank account issuing terminal through the network means. .

According to an embodiment of the present invention, when the bankbook issuing terminal is an employee terminal connected to a predetermined financial network, the interface unit 105 communicates with the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a channel and using a communication protocol defined in an e-book account issuance application program provided in the employee terminal.

Referring to Figure 1, the e-book account issuing server, when a predetermined bankbook issuing terminal is connected to the e-book account issuing server through the interface unit 105, the bankbook in conjunction with the interface unit 105 An interface providing unit 110 for generating (or extracting) a predetermined user interface for the issuing terminal to input (or selecting) and transmitting predetermined e-social account issuing application information to the bankbook issuing terminal, and the interface; An information receiving unit 115 for receiving predetermined e-signbook issuance request information transmitted from the bankbook issuing terminal through the user interface in connection with the unit 105, and the received e-signal Generating information for generating predetermined e-Loty Bankbook information corresponding to the e-Lo Bankbook to be issued to the customer (eg, shop owner or business owner) based on the bankbook issuing application information. And an information storage unit for storing the e-Losing ledger information corresponding to the e-Losing bankbook issued to the customer (eg, a shop owner or a business owner) in the ledger D / B 135 on the financial system. It is characterized by comprising (120).

According to an embodiment of the present invention, the e-book account issuing server, through a predetermined e-book account issuing device, a predetermined e-sign book including the e-book account information (e.g., real bank account / card) It may be configured to further include a bank account issuing unit 130 for issuing.

The interface providing unit 110, when a predetermined bankbook issuing terminal is connected to the e-social bankbook issuing server through the interface unit 105, corresponding to the functional configuration provided in the bankbook issuing terminal corresponding to the e-book Generate a predetermined user interface capable of inputting (or selecting) issuing application information and transmitting it to the e-book account issuing server via the network means, or extracting from a predetermined database (not shown), and extracting the interface unit ( And the user interface generated (or extracted) in conjunction with 105) to the bankbook issuing terminal through the network means.

Thereafter, the bankbook issuing terminal inputs (or selects) the e-Lounge issuing application information based on the user interface, and the bankbook issuing server receives the input (or selected) bankbook issuing application information through the network means. Send to 100.

According to an embodiment of the present invention, when the bankbook issuing terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined e-Lossing bank issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined e-social passbook issuing application information through the user interface from the bank issuing terminal and transmits it through the network means. Characterized in that the e-Loss Bank issuing application information is received, the received e-Loss Bank issuing application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the e-Loss Banking issuing application information may include the store information, the shop owner information, and the merchant registration information to issue the e-Losing Bankbook, and also according to the present invention. It may further comprise at least one or more additional information for the operation and management of the bank account.

Here, the store information may include at least one of a business name, a business registration number, an address, a business status, an item, a business start date, and store contact information.

The shop owner information may include at least one of a shop owner name, a shop owner social security number, a shop owner address, and shop owner contact information.

The affiliated store registration information may include at least one card company information registered by the store as an affiliated store and at least one affiliated store number information assigned to each corresponding card company.

In addition, the additional information for operating the e-book account, accounting office information (for example, accounting office business registration number, corporate registration number, address, contact information, etc.) associated with the store, and bill payment information (eg, utility bills automatic) Transfer application information, etc.).

According to another exemplary embodiment of the present invention, the shop information, the shop owner information, the merchant registration information, and the additional information included in the e-Loss Bank issuing application information are registered, modified after the e-Los Bankbook is issued. , Addition, etc. may be possible.

According to another embodiment of the present invention, the customer (eg, shop owner or business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system and is linked to the financial account. In order to obtain an e-Loss Bankbook (eg, a virtual account or an OA account) according to the above, the e-Loss Bank issuing application information further includes the previously issued financial account information (eg, real account number). Can be configured to

The information generation unit 125 may correspond to the customer (eg, a store owner or a business owner) corresponding to the customer financial account based on the e-social bankbook issuance application information received through the information receiving unit 115. Characterized by generating the bankbook information, the e-book account information may include a store name, merchant number, deposit type, new date, issue date and e-book account number.

According to an embodiment of the present invention, when the e-social bankbook information corresponding to the e-social bankbook requested by the information generating unit 125 is generated, when the e-social bankbook is a real account, the bankbook Issuing unit 130 is characterized in that to produce an e-book (including the e-book account information in the e-book) by the e-book account information through a predetermined book issuing device, and In addition, the e-book may be provided (or delivered) to the customer (eg, shop owner or business owner).

If the e-book is an IC (Integrated Circuit) card, the passbook issuing device comprises a device for recording the e-book passbook information in the memory provided in the IC chip of the e-book, At this time, the information generation unit 125 generates the e-soho account information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, the bank account issuing unit 130 is issued By recording the e-book account information in the memory of the IC chip through a device, it is possible to issue an e-book account according to the present invention.

The e-book account created as described above may be provided to the customer (for example, a shop owner or business owner, etc.) or may be delivered to the customer according to a predetermined bankbook providing procedure, and the customer may then e -You can use the e-book pass through the account book operating system.

Thereafter, the information storage unit 120 is based on the e-Loss Bank issuing application information and the e-Loss Bank account information received from the customer (eg, shop owner or business owner) through the information receiving unit 115 Storing the ledger information for the e-Loss Bankbook in the form of additional information of the e-Loss Banking Ledger (or Receiving Ledger) corresponding to the financial account associated with the e-Losing Bankbook on the Ledger D / B 135 on the financial system. It is characterized by.

Here, the e-Lower ledger information may correspond to an e-Lower ledger corresponding to a financial account associated with the e-Lowered account on the ledger D / B 135 on the financial system among the e-Lowered account information. And at least one information item to be stored in the form of additional information of a reception ledger).

2A and 2B illustrate a ledger information structure including e-book account service information according to an embodiment of the present invention.

More specifically, Figures 2a and 2b is a customer (e.g., shop owner or business owner) when opening a financial account in accordance with a predetermined financial account opening procedure, when the customer is issued an e-Loss Account according to the present invention, the customer The structure of the ledger information including the e-book account service information in an account ledger (or a receiving ledger) corresponding to an account opened to the user is illustrated. Specifically, FIG. 2A illustrates an account ledger of the ledger D / B 135. An embodiment of the present invention relates to a method of implementing e-social bankbook service information for providing an e-guest banking service according to the present invention, and FIG. 2b illustrates a given e-linkage associated with the account ledger of the ledger D / B 135. It is about the implementation method including the SOPA service information.

2A and 2B, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one information associated with the account ledger. In the technical field to which the present invention pertains, the general ledger D / B 135 provided in the DBMS on the financial system includes at least one ledger (eg, loans) in addition to the illustrated customer ledger and account ledger. General ledger, collateral ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers will be clearly understood, and the specific technical matters will be understood. Description is omitted for convenience.

In addition, those skilled in the art to which the present invention belongs, e-Lounge passbook according to the present invention by referring to or modifying the drawings 2a and 2b without departing from the core technical matters of the present invention. Various implementation methods for providing a service may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

Referring to FIGS. 2A and 2B, the customer ledger generally includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a regional identification code, a telephone number, and a business place. No., 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, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex 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. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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 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 2, 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, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 2A, an account ledger corresponding to a customer financial account opened to an account ledger (eg, a customer (for example, a store owner or a business owner)) associated with the customer ledger for providing an e-book account service according to the present invention. E) a predetermined number of e-book account service information.

According to one embodiment of the present invention, the e-Lounge Bank service information includes transaction log record information, credit card sales and settlement payment management information, billing management and dispatch information, bill management and issuance information, and accounting. Office linked business management information, receivables securitization information, and bill payment information is characterized in that it comprises at least one.

Here, the transaction log record information is extended to the transaction history of the e-book (according to the additional extension (secondary expansion)), according to the present invention, the e-book (or e-book) It is automatically recorded (or can be recorded directly by the customer (for example, shop owner or business owner)) when the entry and withdrawal of the real account), the transaction log record information, the back for accounting settlement processing It is characterized by being used as data.

For example, the expanded transaction history information records the credit card settlement deposit portion as the first record as the settlement settlement payment on December 10, and the additional expansion information may include a list of approval cases for the settlement settlement. Can be.

The credit card sales and settlement payment management information, characterized in that the settlement request information and the management information about the amount of payment for each card company that the store has signed a merchant contract.

For example, the customer (for example, the shop owner or the business owner) may access the server through banking and refer to the credit card sales and settlement payment management information to facilitate the deposit amount management.

The billing management and dispatch information, the customer (for example, the shop owner or business owner) to create a bill and send it by e-mail, and also characterized in that the management and shipping information for the created billing is recorded do.

For example, the created bill may be provided in connection with billing information in connection with another customer's e-book.

The bill management and issuance information is characterized in that the information on the issuance and management of the electronic tax invoice is recorded, and further information on the monthly bill issuance count and purchase bill registration and management can be further recorded.

For example, the tax invoice issuance and management information recorded in the bill management and issuance information may be periodically registered by the customer (for example, a shop owner or a business owner) when applying for (e. With reference to, may be provided to the accounting office.

The accounting office linked business management information, when the customer (e.g., the shop owner or the business owner) requests for issuance of an e-book account (or after application), predetermined information (e.g. issuing and sending a tax invoice) is sent to the registered accounting office. Information, etc.).

Here, according to one embodiment of the present invention, it is preferable that the accounting office has a separate account (for example, a paid account for the accounting business processing of the store).

The receivables securitization information is characterized in that when the customer (eg, shop owner or business owner) applies for securitization of the receivables, the securitization details are recorded.

For example, when the customer (e.g., a shop owner or business owner) applies for mobilization for a trade receivable, the e-soho bank issuing financial institution (e.g., a bank, etc.) receives a deposit from the credit card company and advance funds. May be provided to the customer in the form of a short-term loan, wherein the securitization history may be recorded in the receivables securitization information.

The bill payment information, the customer (e.g. shop owner or business owner, etc.) when applying (or after application) issuing an e-book account, the application for payment of a predetermined utility bill (e.g. insurance, muscle tax, corporate tax, VAT, etc.) If so, characterized in that the details of the bill payment is recorded.

Referring to Figure 2b, in order to provide the e-book account service according to the present invention predetermined e-book account service information is linked to the account ledger (for example, the account ledger corresponding to the customer financial account opened to the customer) Characterized in that it is stored.

In FIG. 2b, the e-Lounge Bank service information includes transaction log record information, credit card sales and settlement account management information, billing management and dispatch information, bill management and issuance information, accounting office linked business management information, and the like. It comprises, at least one account receivables securitization information, and utility bill payment information.

In addition, the e-book account service information may further include at least one account number, CIF number, bank account number, issue date, account balance.

As described above in FIG. 2A, the transaction log record information expands (e.g., includes, an additional extension (secondary extension)) the transaction history of the e-book, according to the present invention, or the e-book (or It is characterized in that automatically recorded (or can be directly recorded by the customer (for example, the store owner or business owner)) when the entry and withdrawal of the real account associated with the e-book, and the transaction log record information is It can be used as back data for accounting settlement.

For example, the extended transaction history information records the credit card settlement deposit portion as the first record as the settlement settlement payment on December 10, and the additional expansion information may be a list of approval cases for the settlement settlement. Can be.

The credit card sales and settlement payment management information, characterized in that the information on the management of the settlement request counting information and the amount of payment for each card company that the store has signed a merchant contract.

For example, the customer (for example, the shop owner or the business owner) may access the server through banking and refer to the credit card sales and settlement payment management information to facilitate the deposit amount management.

The billing management and dispatch information, the customer (for example, the shop owner or business owner) to create a bill and send it by e-mail, and also characterized in that the management and shipping information for the created billing is recorded do.

For example, the created bill may be provided in connection with billing information in connection with another customer's e-book.

The bill management and issuance information is characterized in that the information on the issuance and management of the electronic tax invoice is recorded, and further information on the monthly bill issuance count and purchase bill registration and management can be further recorded.

For example, the tax invoice issuance and management information recorded in the bill management and issuance information may be periodically registered by the customer (for example, a shop owner or a business owner) when applying for (e. With reference to, may be provided to the accounting office.

The accounting office linked business management information, when the customer (e.g., the shop owner or the business owner) requests for issuance of an e-book account (or after application), predetermined information (e.g. issuing and sending a tax invoice) is sent to the registered accounting office. Information) is recorded.

Here, according to one embodiment of the present invention, it is preferable that the accounting office has a separate account (for example, a paid account for the accounting business processing of the store).

The receivables securitization information is characterized in that when the customer (eg, shop owner or business owner) applies for securitization of the receivables, the securitization details are recorded.

For example, when the customer (for example, a store owner or a business owner) applies for a securitization of the trade receivable, the e-soho bank issuing financial institution (for example, a bank, etc.) receives a deposit from the credit card company, and advances funds. It may be provided to the customer in the form of a short-term loan, wherein the securitization history may be recorded in the receivables securitization information.

The bill payment information, the customer (e.g. shop owner or business owner, etc.) when applying (or after application) issuing an e-book account, the application for payment of a predetermined utility bill (e.g. insurance, muscle tax, corporate tax, VAT, etc.) If so, characterized in that for recording the details of the utility bill payment.

3 is a diagram illustrating an e-book account issuing process according to an embodiment of the present invention.

In more detail, Figure 3 shows that a predetermined customer (e.g., a shop owner or business owner) in the e-book account issuing system shown in FIG. When a predetermined e-social bankbook issuance application information is transmitted to the bankbook issuance server 100 through an employee terminal and a network means), the bankbook issuance server 100 determines a predetermined number based on the e-social bankbook issuance application information. Regarding the process of issuing an e-book, the person having ordinary knowledge in the technical field to which the present invention belongs, e-Lo for reference or modification of the figure 3 for managing sales collection according to the card sales of a store Various implementation methods for issuing a bank account 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.

For example, in FIG. 3, the e-social bank book is produced and provided (or shipped) to the customer (eg, a shop owner or a business owner), and then the ledger D / B 135 on the financial system such as FIGS. 2a and 2b is provided. Although it is illustrated by storing predetermined e-Lower ledger information in a), the process of storing the predetermined e-Lower ledger information in the ledger D / B 135 on the financial system according to the intention of the skilled person. May be performed before producing the e-book, or before being provided (or shipped) to the customer after the e-book is produced, and the present invention is not limited thereto.

Hereinafter, in FIG. 3, the bankbook issuing terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the bankbook issuing server 100 is referred to as "server" for convenience.

Referring to Figure 3, the customer (e.g., shop owner or business owner, etc.) who wants to be issued an e-book account according to the present invention for the sales collection management according to the card sales of the store has a predetermined e-book account issuance interface After filling out a predetermined e-Loss Bankbook issuance application form containing the predetermined e-Loss Bankbook issuing application information, the e-Loss Bankbook issuing application information is provided to the server through a predetermined e-Loss Bankbook issuing interface ( 300).

Here, the e-Loss Bank issuing interface is an e-Loss Bank issuing application prepared by the customer (for example, a shop owner or a business owner), an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. It is preferable to comprise a.

In addition, the e-Loss Bank issuing application information provided to the server through the e-Los Bankbook issuing interface is the merchant information to receive the e-Loss Bankbook and the financial account information (or to be associated with the e-Loss Bankbook) Virtual account information).

When the predetermined e-Lossing Bank issuing information is received through the e-Loss Banking Issuing Interface, the server reads the received e-Loss Banking Issuing Application Information to the customer (eg, a shop owner or business owner). The validity of the e-Loty Pass can be issued (305).

Here, the e-Loss Bank issuance validity check is to confirm whether the merchant information included in the e-Loss Bank issuing application information is a valid merchant, and the financial account information included in the e-Loss Bank issuing application information is the financial It may be made to include at least one or more that is already provided in the ledger D / B 135 on the system.

According to an embodiment of the present invention, when the ledger D / B 135 on the financial system does not have a financial account (eg, a real account) to be associated with the e-Lounge bank account, the server checks the e- A new financial account issuance procedure to be linked with LoHo may be further performed, and the present invention is not limited thereto.

If the validity for issuing the e-Loss account to the customer (eg, the shop owner or the business owner) is not authenticated through the e-Loss Bank issuing application information (310), the server is the e-Loss Bank account. Providing the e-Lossing issuing error information to the customer through the issuing interface (315), and issuing the e-Lossing Passbook to the customer.

If the validity for issuing the e-Loss Bankbook to the customer (eg, shop owner or business owner) is authenticated through the e-Loss Bank issuing application information (310), the server sends the e-Loss Bank issuing information. On the basis of the predetermined e-book account information corresponding to the e-book account to be issued to the customer based on 320.

Here, the e-soho account information includes the bank account basic information including the merchant name, merchant number, deposit type, new date, issue date and bankbook number, at least one document approval date and time, the document approval content, the document approval amount, the document number, payment Payment authorization related to payment approval including at least one approval number, etc., and related to the purchase of documents including at least one of the date and time of purchase of the documents, the contents of purchase of the documents, the amount of purchase of the documents, the number of the documents and the number of purchase of documents. It may be made by including at least one passbook entry information.

According to an embodiment of the present invention, if the e-book is an IC card, the generated e-book account information may include a file structure operable through a COS (Chip Operating System) provided in the IC chip. have.

According to another exemplary embodiment of the present invention, if the e-book is a paper book corresponding to a real account, the generated e-book book information may include a data structure printable on the paper book form.

Thereafter, the server generates a predetermined e-book with the e-book book information through a predetermined e-book book issuing device to provide (or deliver) to the customer (for example, a shop owner or a business owner). May be 325.

According to an embodiment of the present invention, if the e-book is an IC card, the passbook issuing device comprises an apparatus for recording the e-book passbook information in a memory provided in the IC chip of the e-book. It is preferable.

Subsequently, the server uses the e-social bankbook issuing application information and the generated e-social bankbook information provided from the customer (for example, the shop owner or the business owner) through the bankbook issuing interface, and the predetermined e-social bankbook ledger. Information is generated (330) and the e-Lower ledger information is stored in the ledger D / B 135 on the financial system (335).

Here, the ledger information for the e-book account is in the financial account associated with the e-book book on the ledger D / B 135 of the financial system of the e-book book information as shown in Figures 2a and 2b It is preferable to include at least one information item to be stored in the form of additional information of the corresponding ledger (or receiving ledger).

According to an embodiment of the present invention, the ledger D / B 135 on the banking system is preferably provided in the DBMS on the banking system provided on the bank account issuing system (or associated with the bank account issuing system).

FIG. 4 is a diagram illustrating an e-Lounge issuing system for managing card sales of a small and medium shop according to another exemplary embodiment of the present invention.

In more detail, Figure 4 shows that a predetermined customer (for example, a shop owner or a business owner) manages sales collection according to card sales of a store according to the present invention with an e-book account issuing system through a predetermined e-book book issuing interface. If the e-Loss Bank issuing application information for providing, the e-Loss Bank issuing system for the system configuration for issuing the e-Loss Bankbook according to the present invention to the customer based on the provided e-Loss Bank issuing information As one having ordinary skill in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to or modifying the drawing of FIG. As will be appreciated, the present invention includes all implementation methods inferred and is not limited to the implementation method illustrated in FIG. The.

Hereinafter, the customer is based on the e-Loss issuing application information provided from the customer (eg, shop owner or business owner) through a predetermined e-Loss Bank issuing interface on the e-Loss Bank issuing system shown in FIG. The component corresponding to at least one or more means or functional configuration for issuing an e-book account according to the present invention is referred to as "bankbook issuing server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, an e-book account issuing system for managing sales collection according to card sales of a store according to the present invention, the e-book account issuing system is a non-face-to-face e -In the case of supporting the application for issuing a bank account, it comprises a client terminal including at least one of a wired terminal or a wireless terminal used by the customer (for example, a shop owner or a business owner), wherein the client terminal is a predetermined network The communication channel is connected to the bankbook issuing server 400 provided on the e-book account issuing system through the means.

According to an embodiment of the present invention, when the e-Loss Bank issuing system supports a non-face-to-face e-Loss Bank issuing application, the customer (eg, shop owner or business owner) is wired connected to a predetermined wired network. According to the present invention, the terminal is connected to the bankbook issuing server 400 through at least one client terminal of a terminal or a wireless terminal connected to a predetermined wireless communication network, and at least one user interface provided by the bankbook issuing server 400 is provided. Entering (or selecting) the e-Loss Bankbook issuance application information for sales collection management according to the card sales of the store, the client terminal through the predetermined network means on the e-Loss Bank issuing system provided on the e-Loss Bankbook issuing system It is desirable to send to 400.

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 a desktop computer or a notebook computer connected to the TCP / IP based communication network (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. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or No connection to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the bankbook issuing server 400, and inputs or selects at least one or more information through the user interface to transmit to the bankbook issuing server 400. Functional configuration (eg, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the bankbook issuance server 400, etc.) may be 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the bankbook issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer (for example, a shop owner or a business owner), and the client terminal and the bankbook issuing server 400 are connected to each other. At least one wired network or wireless network performs the function of the e-Loss Bank issuing interface for the customer to register the e-Loss Banking issuing application information for sales collection management according to the card sales of the store according to the present invention. .

According to another exemplary embodiment of the present invention, when the e-book account issuing system supports a non-face-to-face e-book account issuance application, the bank account issuing terminal 435, in addition to the client terminal, a predetermined financial network It may further comprise a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the financial common network, or a predetermined public service. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network, or a wireless telephone network such as a mobile communication network or a wireless VoIP network. Further comprising a predetermined call terminal (not shown) connected, or further comprises a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution It may hamhal, to which the present invention is not limited.

In the case of supporting a non-face-to-face e-soho account issuance application, when the bankbook issuing terminal 435 is the financial automated device (not shown), the financial automated device (not shown) and the financial The financial network connecting the automated device (not shown) and the bankbook issuance server 400 is issued by the customer (eg, shop owner or business owner) for e-Lo bankbook management for sales collection management according to the card sales of the shop of the present invention. Performs a function of an e-soho bankbook issuing interface for registering application information, or when the bankbook issuing terminal 435 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) Wired telephone network or wireless telephone network connecting the bankbook issuing server 400 and the customer issuing an e-Loss Bankbook issuing application for the sales collection management according to the card sales of the shop according to the present invention In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is the bankbook issuing terminal 435, or performs the function of an e-social bankbook issuing interface for registering a report. Or server) (not shown) and the network connecting the terminal (or server) (not shown) and the bankbook issuing server 400 to allow the customer to manage sales collection according to card sales of a store according to the present invention. -The function of e-Lossbook issuance interface for registering the LoSbook issuance application information.

A financial institution that issues an e-Lounge account to the customer (eg, a store owner or business owner) may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction customers. It is characterized by having a predetermined financial system for.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Through the face-to-face financial transaction services for at least one financial transaction customer can be provided.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal may 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 Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A laptop or a portable terminal) 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 wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service may be provided to at least one or more financial transaction customers through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Non-face-to-face financial transaction services can be provided.

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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service can be provided 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 digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server Through a non-face-to-face financial transaction service to at least one financial transaction customer.

Referring to FIG. 4, the financial system issues at least one financial account to at least one financial transaction customer (eg, a shop owner or a business owner) and provides at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions, and is used to handle accounting services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or window), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided in the information system to be processed and interconnected between the financial system and at least one other financial system (or payment system), or at least one external communication network. , IC chip-based wireless banking, telebanking, TV banking, etc.) Access to a financial system, or the external system that provides a variety of financial transaction interfaces through at least one or more common networks (eg, CD common network, financial common network), the financial system is the financial system An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, customer information, 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 (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to issue at least one financial account to at least one financial transaction customer, to provide at least one financial transaction service based on the financial account And a ledger D / B 135 on a financial system that stores at least one ledger, wherein the ledger D / B 135 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and at least corresponding to each ledger information (e.g., more specifically or supplementing the attributes / functions of each ledger) At least one ledger additional information is characterized in that 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 135 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are linked relationally. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

The bankbook issuing server 400 provided on the e-social bankbook issuing system according to the present invention is a generic term for the components of the bankbook issuing system side connected to the bankbook issuing terminal 435 and a predetermined network means. It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 400 is provided with an interface unit 405 for providing a predetermined e-social bankbook issuing interface to the bankbook issuing terminal 435 through the network means. It features.

According to an embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 may be configured as the wired network or the like. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network and using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide an interface.

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

Alternatively, when the client terminal is provided with a predetermined bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 implements a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one 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) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a WAP / ME protocol defined in the browser program may provide a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with the e-social bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol and A communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

Referring to FIG. 4, the bankbook issuing server 400 is interlocked with the interface unit 405 when a predetermined bankbook issuing terminal 435 is connected to the bankbook issuing server 400 through the interface unit 405. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined e-social bankbook issuance application information from the bankbook issuing terminal 435 and providing it to the bankbook issuing terminal 435. Information for receiving predetermined e-social passbook issuance application information transmitted from the passbook issuing terminal 435 through the user interface in connection with the providing unit 410 and the interface unit 405 through the user interface. A receiving unit 415 and a tablet for generating predetermined e-social bankbook information corresponding to the e-social bankbook to be issued to the customer (for example, the shop owner or the business owner) based on the received e-social bank issuing application information. A generation unit 425 and an information storage unit 420 for storing the e-Losing ledger information corresponding to the e-Loss bankbook issued to the customer in the ledger D / B 135 on the financial system; Characterized in that made.

In addition, the bankbook issuing server 400, the bankbook issuing unit for issuing a predetermined e-book account book including the e-book account information through a predetermined bankbook issuing device, if the e-book account is a real account ( 430 may be further included.

The interface providing unit 410 corresponds to a functional configuration provided in the bankbook issuing terminal 435 when a predetermined bankbook issuing terminal 435 is connected to the bankbook issuing server 400 through the interface unit 405. Input (or select) the e-Loss Bank issuing application information to generate a predetermined user interface which can be transmitted to the bankbook issuing server 400 through the network means, or extracted from a predetermined database (not shown). And, in conjunction with the interface unit 405, the generated (or extracted) user interface is characterized in that it provides to the bankbook issuing terminal 435 through the network means.

Thereafter, the bankbook issuing terminal 435 inputs (or selects) the e-Loss Bankbook issuing information based on the user interface, and transmits the input (or selected) e-Loss Bankbook issuing information to the network means. Through the passbook issuance server 400 to transmit.

According to an embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 410 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the apparatus, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405. .

According to another embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 is a browser program provided in the client terminal. 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 405.

The information receiving unit 415 inputs (or selects) predetermined e-social bankbook issuing application information from the bankbook issuing terminal 435 through the user interface and transmits the same through the network means. And in conjunction with the e-Lounge issuing application information, characterized in that for receiving, the received bankbook issuing application information is provided to the information generating unit 425.

According to the implementation method of the present invention, the e-soho account issuance application information may include the store information, the shop owner information, and the merchant registration information to issue the e-soho bankbook, and also according to the present invention. It may further comprise at least one or more additional information for the operation and management of the bank account.

Here, the store information may include at least one of a business name, a business registration number, an address, a business status, an item, a business start date, and store contact information.

The shop owner information may include at least one of a shop owner name, a shop owner social security number, a shop owner address, and shop owner contact information.

The affiliated store registration information may include at least one card company information registered by the store as an affiliated store and at least one affiliated store number information assigned to each corresponding card company.

In addition, the additional information for operating the e-book account, accounting office information (for example, accounting office business registration number, corporate registration number, address, contact information, etc.) associated with the store, and bill payment information (eg, utility bills) Transfer application information, etc.).

According to another exemplary embodiment of the present invention, the shop information, the shop owner information, the merchant registration information, and the additional information included in the e-Loss Bank issuing application information are registered, modified after the e-Los Bankbook is issued. , Addition, etc. may be possible.

According to another embodiment of the present invention, the customer (eg, shop owner or business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system and is linked to the financial account. In order to obtain an e-Loss Bankbook (for example, a virtual account or an OA account), the e-Loss Bank issuing application information further includes the previously issued financial account information (eg, account number, etc.). Can be configured.

Here, the financial account information (for example, the real account information) to be associated with the e-Lounge Bank account, the financial account previously issued to the ledger D / B 135 on the financial system in the name of the merchant (or merchant representative name) It is preferable to include an account number corresponding to, and if the account of the merchant name (or merchant representative name) is not issued to the financial system, the financial account of the merchant name (or merchant representative name) in the financial system It is preferable that the financial account issuance request information for requesting a new issuance is further included.

The information generation unit 425 is provided (or linked) to the customer (eg, shop owner or business owner) in the e-bookbook based on the e-bookbook issuance application information received through the information receiver 415. And a predetermined e-soho account information to be generated, wherein the e-soho bankbook information includes a bookkeeping basic information including an affiliate store name, an affiliate store number, a deposit type, a new date, an issue date and a passbook number, and at least one slip. Payment authorization related information including at least one approval date, document approval content, document approval amount, document number, payment approval number, and the like. It may be made by including at least one or more information related to the purchase of the book, including at least one or more, such as a number, a slip number.

When the e-social bankbook is a real account, when the predetermined e-social bankbook information provided in the e-social bankbook is generated by the information generating unit 425, the bankbook issuing unit 430 is a predetermined bankbook. Producing an e-book account book including the e-book account information through the issuing device (or having the e-book account information in the e-book account), the e-book account is the customer (Eg, a shop owner or business owner, etc.).

According to an embodiment of the present invention, if the e-book is an IC (Integrated Circuit) card, the passbook issuing device is a device for recording the e-book passbook information in a memory provided in the IC chip of the e-book. In this case, the information generation unit 425 generates the e-book account information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit ( 430 may issue a predetermined e-book by writing the e-book passbook information to the IC chip memory through the passbook issuing device.

The e-book account created as described above may be provided to the customer (eg, a shop owner or a business owner), or may be delivered to the customer according to a predetermined passbook providing procedure.

Thereafter, the information storage unit 420 is based on the e-Loss Bank issuing application information and the e-Loss Bank account information received from the customer (eg, shop owner or business owner) through the information receiving unit 415 As shown in Figures 2a and 2b, in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the e-book on the ledger D / B 135 on the financial system, It is characterized by storing the ledger information.

Here, the ledger information for the e-book account is the account ledger (or receiving ledger) corresponding to the financial account associated with the e-book on the ledger D / B 135 on the financial system of the e-book account information At least one information item to be stored in the form of additional information is preferably made.

5 is a diagram illustrating an e-Locate issuing process according to another embodiment of the present invention.

In more detail, in FIG. 5, in the e-book account issuing system shown in FIG. 4, a predetermined customer (e.g., a store owner or a business owner) is connected to a predetermined e-book book issuing interface (e.g., a wired terminal or a wireless terminal). When a predetermined e-social bankbook issuance application information is transmitted to the bankbook issuing server 400 to the bankbook issuing server 400 through the client terminal and the network means including at least one, the bankbook issuing server 400 Regarding the process of issuing a predetermined e-Loss Bankbook based on the e-Loss Bank issuing application information, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 5 to store It is possible to infer various implementation methods for issuing the e-book account for managing sales collection according to card sales. It includes, and is not limited to the exemplary method illustrated in the figure 5.

For example, in Figure 5, the e-book is created and provided (or shipped) to the customer (e.g., a shop owner or a business owner), and then a predetermined e-signal to the ledger D / B 135 on the financial system. Although it is illustrated and described as storing the account book ledger information, the process of storing the predetermined e-book book ledger information in the ledger D / B 135 on the financial system in accordance with the intention of the person skilled in the art It may be carried out before production or after the e-book is made (or delivered) to the customer after the production, the present invention is not limited thereby.

Hereinafter, in this figure 5, the bankbook issuing terminal 435 shown in FIG. 4 is referred to as a "terminal" for convenience, and the bankbook issuing server 400 is referred to as a "server" for convenience.

Referring to FIG. 5, a customer (eg, a store owner or a business owner) who wants to be issued an e-book account according to the present invention for managing sales collection according to the card sales of the store may use the terminal through the network means. Accessing the server, requesting the server to issue an e-book account issuing interface for issuing the e-book, 500 and, in response, the server issues an e-book account issuing interface for issuing the e-book. Extract (or generate) to provide to the terminal (505).

Subsequently, the terminal inputs (or selects) predetermined e-social bankbook issuing application information through the e-social bankbook issuing interface, and then inputs the e-social bankbook issuing application information through a predetermined e-social bankbook issuing interface. Provided to the server (510).

Here, it is preferable that the e-social account issuing interface includes a predetermined client terminal used by the customer (eg, a shop owner or a business owner) and network means for connecting the client terminal and the server.

In addition, the e-soho account issuing application information provided to the server through the e-soho bankbook issuing interface may include a store information, a store owner information, and a merchant registration information to issue the e-soho bankbook. In addition, it may further comprise at least one or more additional information for the operation and management of e-book passbook according to the present invention.

Here, the store information may include at least one of a business name, a business registration number, an address, a business status, an item, a business start date, and store contact information.

The shop owner information may include at least one of a shop owner name, a shop owner social security number, a shop owner address, and shop owner contact information.

The affiliated store registration information may include at least one card company information registered by the store as an affiliated store and at least one affiliated store number information assigned to each corresponding card company.

In addition, the additional information for operating the e-book account, accounting office information (for example, accounting office business registration number, corporate registration number, address, contact information, etc.) associated with the store, and utility bill payment information (for example, automatic billing) Transfer application information, etc.).

According to another exemplary embodiment of the present invention, the shop information, the shop owner information, the merchant registration information, and the additional information included in the e-Loss Bank issuing application information are registered, modified after the e-Los Bankbook is issued. , Addition, etc. may be possible.

According to another embodiment of the present invention, the customer (eg, shop owner or business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system and is linked to the financial account. When the e-Loss Bankbook is issued, the e-Loss Bank issuing application information may be configured to further include the previously issued financial account information (eg, account number).

When the predetermined e-Lossing Bank issuing information is received through the e-Loss Banking Issuing Interface, the server reads the received e-Loss Banking Issuing Application Information to the customer (eg, a shop owner or business owner). The validity of the e-Loty Pass can be issued (515).

Here, the e-social bankbook issuance validity check is to confirm whether the merchant information included in the e-social bankbook issuance application information is a valid merchant, and the financial account information included in the e-social bankbook issuance application information is Checking whether the ledger D / B 135 on the financial system is already provided may include at least one or more.

According to an embodiment of the present invention, when the ledger D / B 135 on the financial system is not provided with a financial account to be linked with the e-book, the server may be connected to the new bank account. The account issuance procedure may be further performed, whereby the present invention is not limited.

If the validity for issuing the e-Loss account to the customer (eg, the shop owner or the business owner) is not authenticated through the e-Loss Bank issuing application information (520), the server issues the e-Loss Bank account. Provide the e-Lossing issuing error information to the customer through an interface (525) and stop issuing the e-Loss Banking to the customer.

If the validity for issuing the e-Loss Bankbook to the customer (eg, shop owner or business owner) is authenticated through the e-Loss Bank issuing application information (520), the server sends the e-Loss Bank issuing information. Based on the generated e-book account information corresponding to the e-book account to be issued to the customer based on (530).

Here, the e-soho account information includes the bank account basic information including the merchant name, merchant number, deposit type, new date, issue date and bankbook number, at least one document approval date and time, the document approval content, the document approval amount, the document number, payment Payment authorization related to payment approval including at least one approval number, etc., and related to the purchase of documents including at least one of the date and time of purchase of the documents, the contents of purchase of the documents, the amount of purchase of the documents, the number of the documents and the number of purchase of documents. It may be made by including at least one passbook entry information.

According to an embodiment of the present invention, if the e-book is an IC card, the generated e-book account information may include a file structure operable through a COS (Chip Operating System) provided in the IC chip. have.

Thereafter, the server may produce (or deliver) the predetermined e-social book with the e-bookbook information to the customer (for example, a store owner or a business owner) through a bookbook issuing device ( 535).

Thereafter, the server receives a predetermined e-signal through the e-routing book issuing application information and the generated e-routing book information provided from the customer (eg, a shop owner or a business owner) through the e-routing book issuing interface. The ledger information for the bank account is generated (540), and the e-social ledger information is stored in the ledger D / B 135 on the financial system (545).

Here, the ledger information for the e-book account corresponds to the financial account associated with the e-book on the ledger D / B 135 on the financial system as shown in Figure 2a and 2b of the e-book account information It is preferable that the at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger).

According to an embodiment of the present invention, the ledger D / B 135 on the banking system is preferably provided in the DBMS on the banking system provided on the bank account issuing system (or associated with the bank account issuing system).

Figure 6 is a diagram showing the configuration of the e-book account management system according to an embodiment of the present invention.

In more detail, FIG. 6 is a payment terminal provided in a store that has received the e-Loss account in at least one or more e-Loss Banks issued through the e-Loss Bank issuing system shown in FIG. 640, and at least one payment processing in a payment system including a value added network (VAN) and a payment server 635, at least one or more payment history information from the payment system through a predetermined communication means ( For example, the card sales generated at the store and the deposit information according to the card sales are confirmed), and the e-signbook entry information is generated from the payment history information to generate the e-signal shown in FIG. 1 or 3. An embodiment of the present invention relates to a method of storing (or recording) in a ledger D / B 135 on a financial system corresponding to the e-book account issued through a bank account issuing system. Those skilled in the art may refer to or modify this drawing 6 to infer various implementation methods for the configuration of the e-soho account management system for managing the collection of revenue according to the card sales of the stores. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, although the payment system illustrated in FIG. 6 illustrates an offline payment system, the payment system may be an online payment system including at least one client terminal and a wired or wireless communication network, and the present invention is not limited thereto.

Referring to Figure 6 according to an embodiment of the present invention, the e-book account management system for the sales collection management according to the card sales of the store, the payment terminal 640 provided in the shop has been issued the e-book account And a payment system including a value added network (VAN) and a payment server 635 and the payment system (eg, bansa server 600 or payment) when processing at least one payment through the payment system. Check the payment history information (e.g., card sales generated at the store and deposit information according to the card sales) from the server 635 (e.g., the card company server 600), and the predetermined information is determined from the payment history information. Finance for generating e-Lounge entry information and storing it in the ledger D / B 135 on the financial system corresponding to the e-Lowered bankbook issued through the e-Loss Bank issuing system shown in Figs. Company server 600, characterized in that the ledger information is added to the account ledger corresponding to the store (or customer) financial account on the payment system, the e-soho account information shown in Figure 1 or Figure 3 And a financial system having ledger D / B 135 for storing (e.g., e-Lounge Bank service information, etc.).

Those skilled in the art to which the present invention pertains include a payment terminal 640, a van (Value Added Network; VAN) and a payment server (635) provided in a store that has received the e-book. Since you will be familiar with the technical features of the payment system made, a detailed description thereof will be omitted for convenience.

In addition, since the detailed technical features of the financial system have also been described with reference to FIGS. 1 and 3, the detailed description of the financial system is omitted in FIG. 6 for convenience.

Referring to FIG. 6, the financial company server 600 may be connected to the payment terminal 640 through the payment system through a predetermined communication means (for example, a dedicated communication network connecting the payment system and the financial company server 600). Periodically checking whether at least one payment process is performed, and if at least one payment process is confirmed through the payment system, payment history information corresponding to the confirmed payment process from the payment system (eg, generated in the store). Information confirmation unit 630 for confirming card sales and deposit information according to the card sales), and the date and time of the document approval, the document approval contents, the document approval amount, the document number, the payment approval number, etc. from the confirmed payment history information. An information generation unit 625 for generating the e-book entry information including at least one, and the generated e-book entry information; Characterized in that obtained by having a store (or customer) data storage unit 620 to store the e- Lo account ledger information associated with a financial account provided in the ledger D / B (135) on the financial system.

In addition, the information checking unit 630 is a store (or customer) provided in the ledger D / B 135 on the financial system through a predetermined ticket purchase institution (for example, a card company, or a financial institution equipped with the financial system). A) a check is made to confirm whether a document corresponding to the e-bookbook entry information included in the e-bookbook ledger information associated with the financial account is purchased.

In addition, the information check unit 630 is characterized in that whether the shop sales amount corresponding to the purchase of the slip is deposited.

In addition, when the purchase of the document or the payment of the sales amount is confirmed by the information checking unit 630, the information generation unit 625, the purchase date and date of the document, the purchase amount of the document, the purchase amount of the document, the document number, the document purchase number, sales And generating at least one e-book entry information including at least one payment date and the like.

In addition, when the e-social passbook entry information is generated by the information generation unit 625, the information storage unit 620 transfers the generated e-social passbook entry information to the ledger D / B 135 on the financial system. The store (or the customer (eg, shop owner or business owner)) provided in the) is characterized in that it is stored in the e-soho account ledger information associated with the financial account.

According to the present invention, the financial institution server 600 connects and manages a predetermined communication channel with the store terminal through the network means, in order to provide a communication interface for providing the e-signbook entry information to the store terminal. It is characterized in that it comprises an interface unit 605, whereby the financial institution server 600 is an information providing server (for example, mail server, message sending server) is connected to the store terminal and the communication via a wired or wireless network Etc.).

In addition, the financial company server 600 is processed in connection with the bank account ledger corresponding to the merchant bank account (eg, real account) at least one or more e-soho bank account information in the ledger D / B 135 on the financial system After storing, the information extracting unit 615 for periodically extracting the e-book account ledger information from the ledger D / B 135 on the financial system, and the e-signal corresponding to the extracted e-book ledger information The store terminal (for example, a wired terminal or a wireless terminal with a web browsing function) or the store side information receiving means through an information providing interface including at least one bank account entry information including mail, a message, a web document, and the like. For example, it is characterized in that it comprises a information providing unit 610 provided to a store mail account, or a wireless message receiving device of the store representative.

7 is a diagram illustrating an e-soho account operating process for managing sales collection according to card sales of a store according to one embodiment of the present invention.

In more detail, Figure 7 is a financial company on the e-book account management system shown in Figure 6, at least one or more e-books issued through the e-book account issuing system shown in Figure 1 or 3, At least one payment processing in a payment system in which the server 600 includes a payment terminal 640 provided in a store which has received the e-book, a van, and a value added network (VAN) and a payment server 635. Check whether the at least one piece of payment history information (e.g., card sales generated in the store and deposit information according to the card sales) from the payment system through a predetermined communication means, and from the payment history information A method of generating predetermined e-book entry information and storing it in the ledger D / B 135 on the financial system corresponding to the e-book pass shown in FIG. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for an e-Lounge Bank operating process for managing sales collection according to the card sales of a store by referring to or modifying the drawing of FIG. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In FIG. 7, the financial company server 600 on the e-book management system shown in FIG. 7 is referred to as a “server 600” for convenience.

Referring to FIG. 7, the server 600 includes at least one payment terminal 640 provided in at least one or more stores that have been issued the e-book through the payment system shown in FIG. 6 through a predetermined communication means. Check whether at least one or more payment processing is performed through (700).

If at least one payment process is confirmed in the payment system (705), the server 600 through the communication means predetermined payment history information corresponding to the confirmed payment processing from the payment system (for example, the store) Card sales generated from and the deposit information according to the card sales) is confirmed (or received) (710).

According to an embodiment of the present invention, the payment history information confirmed from the payment system includes at least one payment approval date, a document approval content, a document approval amount, a document number, a payment approval number, and a payment amount of payment information. Related information and store information (e.g., the e-soho ledger corresponding to a store (or a customer (e.g., a store owner or a business owner)) financial account provided in the ledger D / B 135 on the financial system (e.g., Merchant number, etc.) is preferably included.

When the payment history information (for example, the card sales generated in the shop and the deposit information according to the card sales) is confirmed from the payment system, the server 600 receives a slip of the document from the confirmed payment history information. Generating e-Losing book entry information including at least one or more approval details, a document approval amount, a document number, a payment approval number, and sales amount deposit information (715), and including the generated e-Lossing book entry information The e-soho ledger information is generated (720).

Thereafter, the server 600 is a ledger D / B 135 on the financial system from the payment history information (for example, the card sales generated in the store and the payment information according to the card sales) confirmed from the payment system Extract (or verify) store information (eg, merchant number, etc.) that can identify an e-Lossing Ledger corresponding to a store (or customer (e.g., store owner or business owner)) financial account provided at 725, Based on the extracted store information, a store (or a customer (eg, a store owner or a business owner)) provided in the ledger D / B 135 on the financial system through the bankbook issuing system shown in FIG. 1 or 3 is financed. Identify the e-Loss Account Ledger processed in association with the account (730) and process (or include) the generated e-Loss Ledger Information in association with the financial system by linking (or including) the confirmed e-Loss Ledger gold And stored in the ledger D / B (135) in the system 735.

8 is a diagram illustrating a system for processing a bill purchase (or payout) according to an embodiment of the present invention.

More similarly, in FIG. 8, when at least one card company receives payment slips that are to be paid to the corresponding store by the financial institution server 800, the received bill purchase information is checked, and e shown in FIG. -If it is determined that the purchase amount of the slip to be deposited into the e-book account issued through the Lo book account issuing system, and it is determined that the bill purchase amount to be deposited into the e-book account according to the present invention, the purchase of the slip to the e-book account A deposit payment processing system configuration for depositing and storing (or recording) the slip payment processing information (for example, a slip payment history for each card company / period) in the e-book account book, and the technology to which the present invention pertains. If you have ordinary knowledge in the field, with reference to or modifying the present Figure 8, the purchase of a slip for the process of depositing the deposit deposited in the e-book account Would be able to infer a variety of system configurations for the processing system configuration, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 8.

For example, in FIG. 8, the card company server 825 stores and manages the document related information generated during the payment processing process through a predetermined payment system. However, the document related information is not included in the card company. (E.g., a ticket purchase company) may be stored and managed, and the present invention includes all possible implementation methods that can be inferred based on this drawing.

Referring to FIG. 8, the slip payment processing system configuration for the slip payment processing to be deposited into the e-book account, in conjunction with a predetermined card company server 825, a slip that must be paid to the shop that has issued the e-book account. When the payment details of the payment are periodically checked, and predetermined slip payment payment approval information is received from the card company server 825, the merchant payment information is checked by checking merchant information included in the slip payment payment approval information. a financial institution server 800 that checks e-Loty bankbook information and deposits the document purchases into the identified e-Loty bankbook (or a financial account (eg, real account, parent account, etc.) associated with the e-Lo Bankbook); and Characterized in that it comprises a financial system issued e-Lo bankbook to be deposited the slip payment.

Here, the card company server 825 provides a payment service to at least one or more customers through at least one or more store payment terminals, and stores and manages information related to the slip corresponding to the payment service in a predetermined database. Characterized in that paying the slips paid to the shop.

Referring to FIG. 8, the financial institution server 800 deposits a predetermined purchase amount of a payment received by the credit card company server 825 based on the e-social ledger information stored in the ledger D / B 135 on the financial system. The information confirmation unit 805 confirms the e-social bankbook information (or financial account (eg, real account, parent account, etc.) associated with the e-social bankbook), and the e-social bankbook information to which the document payment is to be confirmed. When the payment is received by the credit card company server 825, the deposit processing unit for processing the deposit to the confirmed e-Lo bankbook (or financial account (eg, real account, parent account, etc.) associated with the e-Lo Bankbook)) And an information storage unit 820 for storing the slip payment processing information (for example, a slip payment history for each card company / period) in the e-book account book, and the predetermined network means. Through the above That comprising the further information transfer unit 815 for transferring payable processing information to the shop terminal (or store-side data receiving means) is characterized.

The information checking unit 805 periodically receives predetermined slip payment payment approval information from at least one card company server 825 and stores information (eg, a merchant number and an account) included in the received slip payment payment approval information. Number, etc.), and check whether the e-Loss Account corresponding to the confirmed shop information has been issued.

In addition, the information check unit 805 is characterized in that when the e-book account corresponding to the shop information is issued, confirms the issued e-book account information.

When the deposit processing unit 810 confirms the e-social passbook information for depositing a predetermined slip payment to the predetermined card company server 825 through the information confirming unit 805, the confirmed e-social passbook It characterized in that for depositing the slip payment.

According to an embodiment of the present invention, the e-social bankbook includes an electronic bankbook issued in the name of the store (or a customer (eg, a store owner or a business owner)) on the financial system, or on the financial system. It is preferable to include at least one or more virtual accounts issued in the name of the store (or a customer (for example, the store owner or business owner)).

The information storage unit 820 stores the deposit processing details in the e-book account book when the slip payment is processed in the e-book account through the deposit processor 810. It features.

According to the method of the present invention, the information storage unit 820, characterized in that the deposit processing history stored by the card company or by period (for example, monthly / weekly / daily / quarterly, etc.), The deposit processing history stored (or recorded) in the e-Lower ledger through the information storage unit 820 is connected to the financial institution server 800 by a customer (eg, a store owner or a business owner) who has received the e-Lowered account. (Eg, Internet banking), and the like, it can be used for management of card sales counting using the deposit details.

According to an exemplary embodiment of the present invention, the information transmitter 815 generates predetermined slip payment prepaid history information corresponding to the slip payment deposit processing, and transmits the slip to the store terminal (eg, a shop owner's wire) through a predetermined network means. Terminal, or wireless terminal).

According to another exemplary embodiment of the present invention, the deposit processing unit 810 stores the amount of money corresponding to the total payment amount information included in the slip payment approval information of the store (or the customer (eg, the store owner or the business owner)) e. When the deposit is processed into a bank account (or a financial account (for example, a real account, a mother account, etc.) associated with the e-book), the information transmitting unit 815 deposits a predetermined slip amount corresponding to the slip payment process. The information may be generated and transmitted to the store-side data receiving means (for example, a store owner's mail account or a short message service receiving device) through a predetermined network means.

9 is a diagram illustrating a deposit processing process for depositing slips according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 periodically checks the purchase amount of the payment to be paid to a store that has been issued the e-Loss account by a predetermined credit card company at a financial company server 800 on the slip payment processing system shown in FIG. The process of depositing the confirmed document payment into the e-Lo Bankbook (or financial account (eg, real account, parent account, etc.) associated with the e-Lo Bankbook), which is common knowledge in the technical field to which the present invention belongs. If the person having the present invention can refer to or modify this drawing 9, various implementation methods for the bill payment processing process can be inferred, but the present invention includes all the execution methods inferred above, the embodiment shown in this drawing 9 It is not limited to only.

Hereinafter, in FIG. 9, the financial institution server 800 on the slip payment processing system shown in FIG. 8 is referred to as "server" for convenience, and the shop terminal on the slip payment processing system shown in FIG. 8 is called "terminal" for convenience. .

Referring to FIG. 9, at least one card purchase payment payment approval information is periodically received from the at least one card company server 825 at 900, and the received payment payment payment approval information is read and the payment target store information (eg, the affiliate store) is read. Information or account information, etc.) (905).

When the shop information payment target shop information is confirmed, the server is based on the shop ledger information stored in the ledger D / B 135 (or a predetermined storage medium) e-soho bank book payment target corresponding to the shop information to the shop information Check the information (or financial account (eg, real account, parent account, etc.) associated with the e-Lo Bank account) (910).

Here, when the e-Lounge bank account information corresponding to the deposit purchase payment corresponding to the shop information is confirmed from the ledger D / B 135 (915), the server is included in the purchase payment payment approval information in association with the financial system. The amount corresponding to the total payment amount information is deposited into the identified e-Loss Bankbook (or financial account (eg, real account, parent account, etc.) associated with the e-Loss Bankbook).

When the deposit processing of the slip payment is successfully performed (925), the server generates the e-soho account book information corresponding to the deposit processing and stores it in the ledger D / B 135 (or a predetermined storage medium). (Or record) (930), the server generates the deposit history information for the deposit processing and transmits to the terminal (935).

FIG. 10 is a diagram illustrating a system configuration for managing sales collection, etc. according to a card sales of a store to an e-soho bank issuing customer connected to a financial institution through internet banking according to an exemplary embodiment of the present invention.

More specifically, Figure 10 is a TCP / IP (Transmission Control Protocol / Internet Protocol) of the financial transaction system operated by the customer (e.g., shop owner or business owner) terminal issuing an e-Loss passbook according to the present invention When the Internet banking server 1000 based on the network (eg, the Internet) and the communication channel for internet banking are connected, check the e-book account information corresponding to the accessed customer information (or store information). And to the e-soho account management system for the customer to perform the management of the confirmed e-soho account information and additional service operation (for example, card sales aggregation, total purchase price payment, etc.) through the Internet banking. As an implementation method, the e-book account management system is provided with a web browser, at least one customer stage has been issued an e-book account according to the invention And, in the process of providing the Internet banking service from the customer terminal, by checking and extracting the e-book account information corresponding to the connected customer information (or store information) to manage the e-book account of the customer and accompanying It characterized in that it comprises an Internet banking server 1000 applied to a predetermined financial transaction.

According to an embodiment of the present invention, the internet banking server 1000 processes the financial services required to provide the Internet banking service through a predetermined interface means and corresponds to the connected customer information (or store information). It is desirable to be linked to the financial system in order to manage and operate information related to SOHO accounts through the customer.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the e-book management system shown in FIG. There will be, but the present invention is not limited to the components omitted.

For example, FIG. 10 is based on a predetermined browser program (e.g., Internet Explorer of Microsoft Corporation or Netscape Navigator of Netscape, Inc., etc.) provided in a customer terminal issued with the e-Loss Passbook. In the process of initiating or processing a predetermined financial transaction using internet banking, the e-soho account information corresponding to the customer information (or store information) is checked to access the internet banking server 1000. Although the e-social bankbook management system for the predetermined e-social bankbook management and operation (eg, card sales counting, bill purchase price integrated management, etc.) requested from the terminal has been illustrated, it is common in the art to which the present invention pertains. If you have the knowledge of Internet banking based financial transaction channel using the browser program shown in Figure 10 A predetermined financial transaction using the Internet banking between the customer terminal and the Internet banking server 1000 based on a predetermined Internet banking program (or a predetermined bankbook management program, etc.) mounted on the customer terminal by referring to or modifying the method. In the process of initiating or processing the e-Loss Bankbook management and operation based on the e-Loss Bankbook information identified in response to the accessed customer information (or store information) (e.g., card sales aggregation, purchase price integration) Management, etc.), and the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the e-book account management system shown in FIG. 10 by referring to or modifying the e-book account management system, non-face-to-face according to the present invention It would be possible to infer an e-book account management system using other banking services such as tele-banking or wireless banking or TV banking for channel-based financial transactions. The technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The at least one customer terminal having received the e-book is connected to the internet banking server 1000 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. And a wired terminal including at least one or more of a desktop computer or a notebook computer having a web browser, and the Internet through a predetermined network means including the TCP / IP-based Internet. The banking server 1000 and the communication channel for internet banking is characterized in that connected.

The financial system is provided with a predetermined financial institution to open at least one financial account (e.g. e-Lounge Bank, etc.) according to the present invention to at least one or more customers, and to process financial transactions based on the financial account. A computerized system, comprising: an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch office, an information system for processing a headquarters business, branch office information support, and customer information management; Access to a variety of electronic financial services (e.g. Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), other exchanges, call centers, financial settlements by connecting to external systems including systems, homes, businesses, stores and card companies Etc., and middleware platforms that provide interfacing between components within the financial system. At least one database for storing and managing an interface module corresponding to a platform and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. It is made to include a DBMS (DataBase Management System) including, and according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (Not shown), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and a person having ordinary knowledge in the art to which the present invention belongs, Since the technical details of the financial system will be clearly understood, the detailed description thereof will be omitted for convenience. The present invention is not limited by the.

In addition, the Internet banking server 1000 is interlocked with the financial system through the external system, and for this purpose, the external system includes a component for interworking with the Internet banking server 1000 through a predetermined interface means. It is preferable to make.

The internet banking server 1000 is a database for storing web operation data including at least one web page source or digital content for providing a predetermined web service to at least one customer terminal, or in connection with the financial system. A DBMS including a database for storing the Internet banking information required to provide the Internet banking service of the server, or in accordance with the method characterized in that the interworking with the data server equipped with the DBMS, thereby at least one or more A predetermined internet banking service is provided to the customer terminal.

In particular, when the Internet banking server 1000 accesses a predetermined customer terminal, the Internet banking server 1000 displays e-social bankbook information corresponding to the accessed customer information (eg, verified customer information). (E.g., a predetermined storage medium) to perform the management and operation of the e-soho bankbook requested from the connected customer terminal (e.g., card sales aggregation, total purchase price payment, etc.).

To this end, the Internet banking information is authenticated to the customer corresponding to the customer terminal when at least one or more customer terminals access and log in to the Internet banking server 1000, or the customer through the Internet banking server 1000 At least one financial transaction authenticates the financial transaction customer, or the customer manages and operates the issued e-soho bankbook through the internet banking server 1000 (eg, card sales aggregation, purchase price integrated management) Etc.), the customer authentication information for authenticating the e-Loss Bankbook management and operation customer, and when the predetermined financial transaction request from the customer through the customer terminal, in response to the financial transaction request in conjunction with the financial system It includes banking element information for processing financial transactions, and is required for internet banking according to the intention of those skilled in the art. But also one or more information can further be included, the figure 10, will be omitted for convenience.

Referring to FIG. 10, the internet banking server 1000 provides a predetermined Internet banking service (or an additional service such as e-book management and operation) to an e-book holder issuing customer terminal according to the present invention. Web interface unit 1005 for connecting and managing a Hyper-Text Transfer Protocol (HTTP) based communication channel for the customer, and the customer (or store) stored in the ledger D / B 135 (or a predetermined storage medium) of the financial system. An information extraction unit for checking e-social bankbook information corresponding to the user information and extracting e-social bankbook information corresponding to the customer from the ledger D / B 135 (or a predetermined storage medium); An information operation unit 1040 for performing the e-social bankbook related services (eg, card sales aggregation, purchase price integration management service, etc.), the web interface unit 1005 and the information operation unit 1040 according to the request. At least one phase in conjunction with Web page operation unit 1015 for operating a web page to be provided to the customer terminal, and at least one customer terminal in conjunction with the web page operation unit 1015 predetermined Internet banking service (or e-Lounge Bank management and operation) And a UI processing unit 1010 for generating a user interface (UI) screen for providing additional services, etc.), and the customer terminal and the Internet banking server 1000 by the function configuration. The communication channel and the user interface for processing the Internet banking based on HTTP can be implemented in between.

In addition, the Internet banking server 1000, in conjunction with the UI processing unit 1010 from the DBMS provided in the Internet banking server 1000, such as additional services, such as the Internet banking service (or e-book management and management) ) May be further configured to further include a content management unit 1020 for extracting predetermined content for providing a) or receiving predetermined content to be stored in the DBMS from the customer terminal.

In addition, the Internet banking server 1000 interoperates with the webpage operation unit 1015 through a UI processing unit 1010 based on the customer authentication information of the Internet banking information to at least one customer terminal screen. It may be configured to further include a customer authentication unit 1025 provided or provided with at least one customer authentication information based on the interface screen.

In addition, the Internet banking server 1000 is connected to the web page operation unit 1015 through the UI processing unit 1010 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one customer terminal It may be configured to further include a banking processor 1030 provided with at least one or more financial transaction-related information on the basis of the interface screen.

In addition, the Internet banking server 1000 may be configured to further include a ledger processing unit 1035 for performing a ledger processing procedure corresponding to the financial transaction requested from the customer in conjunction with a financial system through a predetermined interface means. The ledger processing unit 1035 may be connected to the external system of the financial system through the interface unit.

The customer authentication information stored in the DBMS includes ID / PW information and customer information (eg, a customer name, a store name, a business registration number, an address, a contact number, etc.) of a customer accessing the internet banking server 1000 through the customer terminal. Preferably, at least one member information is included, wherein the customer authentication unit 1025 interoperates with the UI processing unit 1010 to request the ID / PW information of the customer from the customer terminal. Receiving the ID / PW information from a customer terminal, and compares the received ID / PW information and the ID / PW information included in the member information to authenticate the customer connected to the Internet banking server 1000, The authenticated customer information (or customer authentication information) is characterized in that for transmitting to the information extraction unit and information operation unit 1040.

Preferably, the ID / PW information may be provided to the Internet banking server 1000 according to a conventional ID / PW transmission / reception procedure. However, the ID / PW information is symmetrical in the customer terminal to provide a more advanced security function. The key (or secret key) encryption method, or public key encryption method, or an electronic envelope encryption method, or key exchange encryption method is preferably received through at least one or more of the encryption method, for this purpose, the customer authentication unit 1025 ) May further include a functional configuration for decoding the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (eg, KFTC) and certificate server information, or the authentication certificate registrar information (eg, If the official certificate is registered through the process, the current information, if the official certificate is registered through the other line information, etc.), or the certificate information issued to the customer by the certification body preferably further comprises, At this time, the customer authentication unit 1025 requests the certificate-based customer authentication through an authentication certificate registered by the registrar with the authentication server of the certification authority, and receives the customer authentication result from the authentication server, thereby receiving the customer. The information extraction unit and the information may be authenticated, and the authenticated customer information (or customer authentication information) may be used. It characterized in that passed to the yongbu 1040.

In addition, the customer authentication unit 1025 provides the communication session information and the certificate information connected to the customer terminal to the authentication server (not shown) of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, the result may be provided to the customer authentication unit 1025.

In addition, the customer authentication information stored in the DBMS is made of a copy of the authentication certificate of the customer accessing the Internet banking server 1000 through the customer terminal, or of the certification authority that issued a predetermined certificate to the customer It is preferable to include directory connection information, wherein the customer authentication unit 1025 requests the certificate-based customer information to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer and Receiving the certificate-based customer information from the customer terminal, and authenticating the certificate-based customer information through a copy of the certificate or a directory of a certification authority, thereby authenticating the customer, and the authenticated customer information (or customer And authentication information) to the information extraction unit and the information operation unit 1040. The.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1025, or a predetermined random number generated by the customer terminal, in which case the customer terminal is the official certificate through the certificate Encrypts a random number through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method and provides it to the customer authentication unit 1025; For example, if the random number is generated in the customer terminal, the terminal further includes a random number in the form of plain text), based on the certificate information of the customer extracted from the copy of the certificate of the customer or from the directory by the customer authentication unit 1025. The random number encrypted by using a comparison or mutual comparison, or the random number of the plain text form (for example, the customer authentication unit 1025 By encrypting and comparing the random number generated in the or the random number generated in the customer terminal), the customer can be authenticated, and the authenticated customer information (or customer authentication information) is compared with the information extraction unit and the information operation unit ( 1040) characterized in that the transfer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the Internet banking server 1000, or the customer terminal). Information (or system information) already stored therein, or storage information (for example, an IC card (or IC chip) serial number, or the IC card) read out from an IC card (or IC chip) interworking with the customer terminal. (Or IC chip) information stored in the IC card (or IC chip) memory by the issuing authority), in which case the client terminal encrypts the stored information through a symmetric key (or secret key) encryption scheme, Or encrypting through at least one or more of a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method to provide to the customer authentication unit 1025, and The customer authentication unit 1025 may authenticate the customer by decrypting encrypted stored information based on the copy of the customer's official certificate or the customer's official certificate information extracted from the directory and comparing the encrypted stored information. The customer information (or customer authentication information) is characterized in that it is delivered to the information extraction unit and information operation unit 1040.

According to another exemplary embodiment of the present invention, the certificate-based customer information may be input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, or Information input through an input device (for example, a short-range communication device, etc.) other than a key input device provided in the customer terminal, and in this case, the customer terminal may use the symmetric key (or Secret key) an encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method by encrypting through at least one or more of the encryption method provided to the customer authentication unit 1025, the customer authentication unit 1025 ) Encrypted input based on the copy of the customer's certificate or the certificate information of the customer extracted from the directory. By decrypting and comparing the beams, the customer can be authenticated, and the authenticated customer information (or customer authentication information) is transmitted to the information extracting unit and the information managing unit 1040.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 1025 interoperates with the UI processing unit 1010 to request a predetermined OTP code to the customer terminal, receive the OTP code from the customer terminal, and based on the OTP generation information, a predetermined OTP authentication code. By generating a, and by comparing the received OTP code and the generated OTP authentication code, it is possible to authenticate the customer, the authenticated customer information (or customer authentication information) to the information extraction unit and information operation unit 1040 It is characterized by the transmission to).

The OTP code includes at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method in the customer terminal in order to provide a more advanced security function. It is preferable to receive the encrypted through, for this purpose, the customer authentication unit 1025 preferably further comprises a functional configuration for decrypting the OTP code.

When at least one financial transaction is requested from the client terminal, the banking processor 1030 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 1010. And, when predetermined financial transaction request information is input (or selected) and received from the customer terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to. Financial transaction information is generated (or extracted) and provided to the ledger processing unit 1035.

For example, when the connected customer requests a predetermined account transfer transaction in the process of managing and operating an e-social account book according to the present invention (eg, card sales aggregation, integrated purchase price payment, etc.), the banking processor 1030 is linked to the UI processing unit 1010 information required for the account transfer to the customer terminal (for example, withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) ) Provides a predetermined interface screen for inputting (or selecting) information, and the information (e.g. withdrawal account number, withdrawal account password, deposit bank information, deposit account number, and transfer amount information) required for the account transfer through the interface screen. , Security code number, etc.) is input (or selected) and received, withdraw the transfer amount from the withdrawal account with reference to the banking element information. Generating a predetermined financial transaction information used for payment as to be provided to the director processor 1035.

According to the exemplary embodiment of the present invention, the banking processor 1030 receives the predetermined financial transaction request information from the customer terminal, in connection with the customer authentication unit 1025, the at least one customer authentication method through the financial method. It is preferable to authenticate the customer who requested the transaction, thereby, confidentiality and authentication of the customer who requested the financial transaction through the customer terminal (or a customer who has entered (or selected) and transmitted the financial transaction request information). ), Integrity and Nonrepudiation are secured.

In addition, according to an embodiment of the present invention, when the banking processing unit 1030 is requested at least one financial transaction from the customer terminal, the information extraction unit is stored in association with the information operation unit 1040 and the information extraction unit Receive e-Loss passbook information corresponding to the customer information extracted from the medium, check the e-Loss passbook information to be applied to the financial transaction requested by the customer from the received e-Loss passbook information, the customer requested When the e-soho passbook information to be applied to the financial transaction is confirmed, the confirmed e-soho passbook information may be applied to the financial transaction requested by the customer.

The ledger processing unit 1035 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 1030, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system in response to, and extract the identified ledger information from the ledger on the financial system through the interface means, or correspond to the financial transaction information. And generating (or extracting) ledger record information recorded in the ledger on the financial system, and recording the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

In addition, the information management unit 1040, if the e-book account information corresponding to the customer is extracted through the information extraction unit, and delivers the extracted e-book account information to the web page management unit 1015, Characterized in that it performs the e-soho account management and operation requested from the customer terminal.

According to the implementation method of the present invention, the e-soho account management and operation that the information operation unit 1040 is requested and performed from the customer terminal includes transaction log record information management, credit card sales and settlement payment management, and payment Invoice management and dispatch information management, bill management and issuance information management, accounting office linked business management, account receivables securitization information management, and bill payment information management characterized in that it comprises at least one or more.

Here, the management of the transaction log record information, by expanding the transaction history of the e-book (according to the additional extension (secondary expansion)), according to the present invention, the e-book (or the e-sign) When the connected customer confirms, prints, sorts the details automatically recorded (or can be recorded directly by the customer (eg, the shop owner or the business owner)) upon receipt and withdrawal of the real account associated with the bank account). It includes at least one, and the customer may request an accounting settlement process based on the transaction log record information.

For example, the extended transaction history information records the credit card settlement deposit portion as the first record as the settlement settlement payment on December 10, and the additional expansion information may be a list of approval cases for the settlement settlement. Can be.

According to an embodiment of the present invention, the information operation unit 1040 may perform credit card sales and payment account management, whereby the customer (eg, shop owner or business owner, etc.) collects settlement request information and the store. It is possible to manage the management information on the amount of payment by the card company with this merchant contract.

For example, the customer (for example, the shop owner or the business owner) accesses the Internet banking server 1000 through the Internet banking shown in FIG. 10, referring to the credit card sales and settlement payment management information, and manages the deposit amount. It can be done easily.

In addition, the information operation unit 1040, based on the purchase information received from the VAN or PG or the card company, etc., it is possible to calculate the deposit date, and compare the actual amount and the expected deposit date by card company can confirm.

In addition, the information management unit 1040, check the distribution and the deposit amount of each card company of the day sales and the day sales, and can further confirm whether the deposit by matching the deposit amount of each card company with the balance of the bankbook, After this, the total amount of money and the amount of money received may be provided to the customer terminal in conjunction with the UI processing unit 1010 and the web interface unit 1005. A message may be output or transmitted to the customer (eg, shop owner or business owner) communication means (eg, e-mail, SMS, etc.).

In addition, the information operation unit 1040, in conjunction with the UI processing unit 1010 and the web interface unit 1005 to provide a predetermined user interface to the customer terminal for the customer to directly enter the cash expenditure history It is characterized by.

According to the implementation method of the present invention, the information management unit 1040, characterized in that the management of billing management and shipping information, through which the customer (for example, the store owner or business owner) to create a bill, It can be sent by email.

Here, the created bill, in connection with another customer's e-book, can provide billing information.

According to the implementation method of the present invention, the information operation unit 1040 may perform management of the bill management and issuing information, and the connected customer is the ledger D / B 135 (or predetermined). The information on issuance and management of the electronic tax invoice stored (or recorded) on the storage medium) can be viewed, printed, sorted, and the like, and it is easy to register and manage monthly bill issuance and purchase bills.

In addition, the information management unit 1040, the tax invoice issuance and management information recorded in the bill management and issuance information, periodically (or at the request of the customer) the customer (eg, shop owner or business owner, etc.) At the time of application (or after application) for issuance of e-Loss Bankbook, it can be provided to the accounting office with reference to the registered accounting office information.

Here, according to one embodiment of the present invention, it is preferable that the accounting office has a separate account (for example, a paid account for the accounting business processing of the store).

According to the implementation method of the present invention, the information management unit 1040, can manage the receivables securitization information, the customer (for example, the shop owner or business owner, etc.) when applying for the securitization of the receivables, the securitization details You can check or print the checked details.

For example, when the customer (e.g., a shop owner or business owner) applies for mobilization for a trade receivable, the e-soho bank issuing financial institution (e.g., a bank, etc.) receives a deposit from the credit card company and advance funds. May be provided to the customer in the form of a short-term loan, and at this time, the information management unit 1040 may provide the securitization details to the connected customer.

According to the implementation method of the present invention, the information operation unit 1040 may perform the management of the utility bill payment information, when the customer (for example, the store owner or business owner, etc.) when applying for e-Loss Bank account issuance (or After the application), when applying for payment of a predetermined utility bill (for example, insurance, abdominal tax, corporate tax, VAT, etc.), the details of payment of the utility bill can be provided to the customer.

The webpage manager 1015 may determine to include the e-social account information received from the information extractor or the information manager 1040 in the webpage to be provided to the connected customer terminal. The web page may be configured to include the e-book management and management menu.

In addition, the UI processing unit 1010 includes a user interface for providing a predetermined Internet banking service (or an additional service such as e-book management and operation) to the connected customer terminal including the e-book account information. A user interface (UI) screen is generated, and the user interface screen including the e-book account information is provided to a customer terminal connected to the internet banking server 1000.

At this time, the UI processing unit 1010, the transaction log record information management menu, credit card sales and settlement payment management menu, billing management and shipping information management menu, bills for the management and operation of the e-Lounge Bank account; Create and access a user interface (UI) screen including at least one management and issuing information management menu, an accounting office linked business management menu, a receivables securitization information management menu, and a bill payment information management menu. Can be provided to the customer terminal.

According to an embodiment of the present invention, the storage medium stores e-socket accounting information accumulated through the operating system shown in FIG. 6 or the processing system shown in FIG. 8, and the storage medium includes the e- Equipped with an internet banking server on a LoHK account management system, or a DBMS on a financial system provided on the e-LoHK account management system (or associated with the e-LoHK account management system), or the e-HOW A predetermined server (e.g., the information management server or information processing server described above) in a predetermined system (or system (e.g., the information management system or information processing system described above) associated with the bankbook management system (or financial system). Etc.) may be provided.

11 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

In more detail, FIG. 11 shows an e-book management system shown in FIG. 10, wherein a predetermined customer terminal is provided in the e-book management system through a TCP / IP based network (eg, the Internet). When accessing the Internet banking server 1000 is connected, the Internet banking-based financial transaction channel (or e-soho bank management channel) is connected between the customer terminal and the Internet banking server 1000, the Internet banking server 1000 Confirm and extract the e-Losing Bankbook information corresponding to the authenticated customer information (or customer authentication information), and the e-Loss Bankbook management or predetermined financial transaction requested by the customer for the extracted e-Loss Bankbook information. In order to apply, the present invention relates to an implementation method of performing an authentication procedure for the access customer, and those skilled in the art to which the present invention pertains may refer to or modify this drawing. By using the Internet banking-based financial transaction channel (or e-bank account management channel) between the customer terminal and the Internet banking server 1000 can be inferred, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

In addition, according to an embodiment of the present invention, the figure 11 is provided to the Internet banking server 1000 through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation, Netscape Navigator of Netscape Corporation, etc.) provided in the customer terminal. At the time of connection, an internet banking based financial transaction channel (or an e-social account management channel) for a predetermined financial transaction using internet banking is performed between the client terminal and the internet banking server 1000 based on the browser program. Although the method is illustrated, those skilled in the art to which the present invention pertains may refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. Based on the Internet banking program of the customer terminal and the Internet Although it may be possible to infer an implementation method of connecting an Internet banking-based financial transaction channel (or an e-book management channel) for a predetermined financial transaction using the Internet banking between the king server 1000, the present invention provides the above-described Internet banking. Includes provided Internet banking based financial transactions based on the program, whereby the present invention 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 or modifying the Internet banking-based financial transaction channel (or e-soho bank management channel) connection method shown in FIG. In another banking system such as a telebanking system or a wireless banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for financial transactions using internet banking may be inferred. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or wireless banking systems or TV banking systems or future non-face-to-face channel banking systems, the technical configuration of the present invention is shown in Figure 11 of the Internet banking It is by no means limited to this.

Referring to FIG. 11, when a predetermined client terminal executes a predetermined browser program and accesses the Internet banking server 1000 through the TCP / IP-based network (1100),

The internet banking server 1000 connects a communication channel between the customer terminal and the internet banking server 1000 through the browser (1105), wherein the communication channel is provided to the customer terminal in the internet banking server 1000. Generates (or extracts) a predetermined web page at the request of a loaded browser program and transmits the generated web page to the customer terminal, and inputs (or based on a predetermined user interface included in the web page in the browser program included in the customer terminal) It means that a predetermined communication session is allocated to receive at least one or more information (or data).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 1000 may be connected to the internet banking program based on a predetermined communication protocol defined in the internet banking program. A communication channel for transmitting and receiving at least one or more information (or data) may be allocated.

Thereafter, the internet banking server 1000 includes a predetermined security module for internet banking on the customer terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the customer terminal. A predetermined security module for internet banking is installed in the customer terminal by adding a predetermined script for checking whether or not to update the security module. It is checked whether or not to update (1110).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 1000 requests version information or last update date information, etc., from the internet banking program. You can check whether you want to update the program (or the security module associated with the Internet banking program).

If a predetermined security module is to be installed or updated in the customer terminal (1115), the Internet banking server 1000 performs the latest version of the Internet banking to the customer terminal according to a remote program installation procedure defined in the browser program. The security module for transmission is installed or updated (1120).

If it is not necessary to mount or update the latest version of the security module for internet banking on the customer terminal (1125) or to load or update the security module for internet banking on the customer terminal (1115), the Internet banking server 1000 ) Activates the Internet banking security module installed in the customer terminal, thereby connecting a security channel for internet banking between the customer terminal and the internet banking server 1000 (or a communication channel between the customer terminal and the internet banking server 1000). (1130), wherein the secure channel for internet banking is information required for security among information (or data) included in a web page to be provided to the customer terminal from the internet banking server 1000. (Or data) by attaching a predetermined digital signature or by providing it by encrypting it with at least one encryption method (or encryption algorithm). Means a communication channel for confirming the digital signature in a user terminal or decrypting the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm), and also for the customer. When a terminal attaches a predetermined electronic signature to information (or data) to be provided to the internet banking server 1000 for financial transactions using internet banking, or transmits it by encrypting it using at least one encryption method (or encryption algorithm), Means a communication channel that allows the Internet banking server 1000 to verify the electronic signature or to decode the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). do.

According to another embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the Internet banking-based secure channel is established in the Internet banking server 1000 according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be provided to the terminal, or is encrypted and provided by at least one encryption method (or encryption algorithm), the client terminal confirms the electronic signature or the encryption method ( Or a communication channel for decrypting the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to an encryption algorithm), and the internet banking server for financial transactions using internet banking in the customer terminal. Predetermined information (or data) to be provided to 1000 When the signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the Internet banking server 1000 verifies the electronic signature or predetermined decryption corresponding to the encryption method (or encryption algorithm). A communication channel for decoding the information (or data) by a method (or a decoding algorithm).

Here, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's official certificate mounted on the customer terminal.

When the secure channel for internet banking is connected, the internet banking server 1000 requests the terminal to perform an internet banking customer authentication procedure through the browser program.

According to an 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 in the internet banking application process) through the customer terminal. And the like) are input (or generated) and transmitted to the internet banking server 1000, the internet banking server 1000 authenticates a customer connected through the customer terminal based on the customer authentication data as an internet banking customer. In this case, it is preferable that the customer authentication data is transmitted through the digital signature or encrypted 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 registered by the customer in an internet banking application process or a customer through the customer terminal). Number, etc.) and input (or generate) to the authentication server, the authentication server authenticates the customer connected through the customer terminal as the Internet banking customer based on the customer authentication data, and the result is the Internet banking. It is made to include providing to the server 1000, wherein the customer authentication data preferably comprises a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

Subsequently, the customer terminal inputs (or generates) predetermined customer authentication data according to the request, electronically signs or encrypts the data through the security module, and transmits it to the internet banking server 1000 (or an authentication server). After requesting authentication (1140), the internet banking server 1000 (or authentication server) is a non-face-to-face channel-based financial transaction based on the customer authentication data received from the customer terminal Authenticate as an internet banking customer for (1145).

If the Internet banking customer authentication fails (1150), the Internet banking server 1000 blocks the Internet banking security channel for the customer terminal (1155), the Internet banking based financial transactions are not made through the customer terminal Do not handle.

On the other hand, if the Internet banking customer authentication is successful (1150), the Internet banking server 1000 converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the customer terminal, According to the exemplary embodiment of the present invention, the e-social bankbook information corresponding to the authenticated customer information (or customer authentication information) is retrieved from the storage medium and confirmed, and then output to the customer terminal (1160).

12 is a diagram illustrating an e-book management process according to an embodiment of the present invention.

More specifically, FIG. 12 shows a customer accessing the Internet banking server 1000 provided in the e-book management system through the process of FIG. 11 in the e-book management system shown in FIG. After the authentication is successfully performed, an internet banking-based financial transaction channel (or e-book management channel) is connected between the customer terminal and the internet banking server 1000, and the customer e- The present invention relates to a method for performing a predetermined e-social bankbook management by selecting a Loan Banking Management menu, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 12 and the customer terminal. And various methods of performing the e-book management through the internet banking-based financial transaction channel (or e-book management channel) between the Internet banking server 1000 and the Internet banking server 1000. And, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 12.

Referring to FIG. 12, when the authentication of the customer connected to the Internet banking server 1000 is completed through the process of FIG. 11, the Internet banking server 1000 is connected to the connected customer terminal. In step 1200, the user interface includes a user interface.

Here, the e-soho account management menu includes a transaction log record information management menu, a credit card sales and settlement account management menu, a billing management and dispatch information management menu, a bill management and issuing information management menu, and an accounting office. It may be configured to include at least one linked business management menu, receivables securitization information management menu, and utility bill payment information management menu.

Then, the customer terminal selects a specific e-book account menu to be managed through the user interface transmitted from the server (1205), and if the specific e-book account menu to be managed is selected (1210), the server In operation 1215, the sub-menu of the specific e-book account menu selected through the customer terminal is provided to the customer terminal.

For example, if the customer selects the credit card sales and settlement account management menu of the e-soho account management menu, monthly / weekly / quarterly / card company sales history management for the selected credit card sales and settlement account management menu. The menu or the settlement payment management menu may be provided as a sub menu.

For example, if a specific monthly sales menu is selected as a sub-menu for the credit card sales and payment account management menu at the customer terminal (1220), the server may display e-Loty ledger information corresponding to the customer information. In operation 1225, information corresponding to a menu selected by the customer is extracted from the ledger D / B 135 (or a storage medium) (1230).

In addition, when the server provides the extracted information (eg, monthly sales details) to the customer terminal as shown in FIG. 13 (1235), the customer terminal outputs or sorts the provided monthly sales details. In operation 1240, the management of the e-book account is performed.

Figure 13 is a diagram illustrating a screen for the card revenue counting and deposit counting according to an embodiment of the present invention.

In more detail, this drawing 13 is an exemplary view for allowing the connected customer to quickly check and arrange the sales and deposit details. If the person having ordinary knowledge in the technical field to which the present invention belongs, this drawing 13 By referring to or modifying the present invention, it is possible to infer various screen example diagrams including the sales and deposit details provided to the customer terminal, but the present invention includes all the inferred implementation methods, which is illustrated in FIG. It is not limited to the method.

Referring to FIG. 13, when a customer clicks a daily sales amount related menu according to the slip payment approval information provided from the PG or VAN or a card company server, a view of a daily approval case, a purchase processing result, and a cancellation processing result screen is shown. It can be provided to the customer terminal as shown.

In addition, when the customer clicks on the deposit details of the screen shown, as shown in Figure 14, it is possible to provide the deposit details inquiry screen for each card company of the day to the customer terminal.

14 is an exemplary view showing a screen for deposit management report by card company according to an embodiment of the present invention.

More specifically, FIG. 14 is an exemplary view showing a deposit amount and actual amount of money information for each card company provided to the customer terminal when the customer clicks on the deposit details shown in FIG. Those skilled in the art will be able to deduce various screen examples including deposit amount and actual amount information for each card company provided to the customer terminal by referring to or modifying the drawing 14, but the present invention It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 14, it is possible to calculate a deposit due date based on purchase information received from the VAN or PG or a card company through the illustrated screen, and compare the actual amount of money with the expected deposit date by card company.

In addition, through the screen shown, it provides the distribution of the day sales and the day sales by the card company and the expected deposit amount, and whether or not to deposit by matching the amount of payment by the card company with the balance of the bank account, and the total amount of the deposit if the date passes by the date And information about the amount of unpaid money, and if a deposit is not made after a certain date, a message may be output.

According to the present invention, the integrated management of credit card sales and credit card payment amount of SOHO operators or small businesses, provide basic accounting data and basic cash deposit and withdrawal management functions, and perform various tasks with the accounting office. By effectively processing, there is an advantage that the bank account can be managed as a one-stop by matching the credit card sales and the expected amount of the deposit with the deposit details.

In addition, there is an advantage that the operator can more conveniently accounting processing by allowing the professional accounting process to be organized around the deposit and withdrawal of the bank account from the operator's point of view.

Claims (5)

Registering account information for card sales counting and deposit management of a predetermined affiliate store in association with the affiliated store information in a predetermined information registration means in a predetermined storage medium; Confirming deposit information amount to be deposited into the account in correspondence with the card sales generated at the affiliated store by interworking with at least one card company server in a predetermined information checking means; Storing the deposit amount information in a predetermined storage medium by linking the deposit amount information with the account information in a predetermined information storage means when the deposit amount is due to be deposited; And And providing deposit amount information and actual deposit amount information for each card company in the predetermined interface providing means to the affiliated customer terminal, and providing a predetermined user interface for managing the deposited amount of the affiliated customer. How to Operate Merchant Account. The method of claim 1, The merchant information, merchant account management method comprising at least one of a business name, business registration number, address, business status, item, business start date, contact information, merchant code (or number). The method of claim 1, The user interface, And at least one interface for simultaneously displaying payment schedule information and actual payment amount information for each card company, an interface for inputting (or selecting) cash expenditures, and an interface for managing sales and deposit information for a specific period of time. How to operate a merchant account. A recording medium having recorded thereon a computer readable program for realizing the method of claim 1 or 2. Information registration means for registering account information for card sales counting and deposit management of a predetermined merchant in association with the affiliated store information and registering the same in a predetermined storage medium; Information checking means for confirming deposit amount amount information to be deposited into the account in correspondence with card sales generated at the affiliated store in association with at least one card company server; Information storage means for processing the deposit amount information in association with the account information and storing the deposit amount information in a predetermined storage medium when the deposit amount is due to be deposited; And Merchant account management system comprising a; providing the payment amount information and actual deposit amount information for each card company to the merchant customer terminal, and providing a predetermined interface for managing the deposit amount of the merchant customer.

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