KR20080104404A - System and method for processing sale bond by using affiliated store and program recording medium - Google Patents

Abstract

According to a method and a system for processing sale bond using member store account and a recording medium for the same are presented to provide calculated load amount to a member store customer by calculating the expected load amount in correspondence to card sale bond information. According to a method and a system for processing sale bond using member store account, an information register unit registers account information for sale bond management of a member store in a storing medium. An information check unit checks card sale bond information generated in the member store by being linked with at least one card company server(1215). An information calculation unit calculates expected loan amount for the member store customer, in correspondence to the card sale bond information(1220). An interface providing unit provides the calculated expected loan amount to the member store customer and provides user interface for inputting load application information to the member store customer. If the loan application request of the member store customer is registered through the user interface, load treatment is performed(1225). An information storing unit stores the loan treatment breakdown in a storing medium(1230).

Description

System and Method for Processing Sale Bond by Using Affiliated Store and Program Recording Medium}

1 is a view showing an e-Lounge issuing system for the receivables receivables 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.

Figure 4 is a diagram showing an e-Lounge issuing system for the receivables securitization of small and medium shops according to another 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 bank account operating process for the receivables securitization according to the card sales of the store according to an embodiment of the present invention.

8 is a diagram showing the configuration of a sales slip liquidation information registration system according to an embodiment of the present invention.

9 is a diagram illustrating a sales slip liquidation information registration process according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a system configuration for performing a sales slip liquidation process according to a request of an e-Loss Bank 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 a process of performing a sales slip liquidation process at the request of an e-Loss Bank issuing customer connected to a financial institution through Internet banking according to an exemplary embodiment of the present invention.

13 is a diagram illustrating a settlement processing system configuration according to an embodiment of the present invention.

14 is a diagram illustrating a settlement process 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

According to the present invention, after checking the accounts receivable information managed through the e-SOHO account book (O / A account book) in the bank, the customer can obtain information on the amount of money available through the e-SOHO account book (O / A account book). If the customer requests a securitization of accounts receivable through the e-SOHO bank account (O / A account) management interface, it is processed one-stop, and the bank accounts the payment of the receivables from the card company directly and settles the loan amount. It relates to a method and a system for processing trade receivables using 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 as the social atmosphere such as weight loss management overlaps 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.

In addition, it was not cumbersome for business owners, such as submitting relevant documents to the bank for loans.

An object of the present invention for solving the above problems, the information registration means for registering the account information for the management of the trade receivables of a predetermined affiliate store on a predetermined storage medium, and at least one card company server, generated in the affiliated store Providing information to the affiliated customer with information checking means for confirming card sales receivable information, information calculating means for calculating a loanable amount to the affiliated customer in response to the confirmed card sales receivable information, and the calculated loanable amount to the affiliated customer. Interface providing means for providing a predetermined user interface for the merchant customer to input (or select) at least one loan application information for the loan application for which the card sales bond is secured; and the loan through the user interface. When a request for application is received, It provides an account receivable processing system using a merchant account including information processing means for performing processing and information storage means for processing the loan processing details in association with the merchant customer information (or account information) to store in a predetermined storage medium. have.

In accordance with an embodiment of the present invention, a method of processing a trade receivable using a merchant account includes registering account information for managing a trade receivable of a predetermined merchant in a predetermined storage medium in a predetermined information registering means, and at least one of the predetermined information checking means. Confirming card sales receivable information generated at the affiliated store by interworking with the card company server; calculating a loanable amount to the affiliated customer in response to the confirmed card sales receivable information at a predetermined information calculating means; Providing a user interface for inputting (or selecting) loan application information for securing the card sales receivable to the affiliated customer and providing the calculated loanable amount to the affiliated customer in a predetermined interface providing means; Through the user interface in a predetermined information processing means, When the loan application request is received from the point customer, performing a loan processing for the security of the credit card receivables and predetermined processing by linking the loan processing details with the merchant customer information (or account information) in a predetermined information storage means. Characterized in that comprises the step of storing in the storage medium.

According to the present invention, in the account receivable processing method using the merchant account, when the account receivable deposit amount corresponding to the card sales receivable is deposited from a predetermined card company server in a predetermined settlement processing means, Characterized in that it further comprises the step of processing the loan amount.

On the other hand, the present invention includes a recording medium recording a computer-readable program for realizing the above-described merchant account processing method using the merchant account.

On the other hand, the receivables processing system using a merchant account according to the present invention, the information registration means for registering the account information for the management of the trade receivables of a given merchant in a predetermined storage medium, in conjunction with at least one card company server, Information checking means for confirming card sales receivable information generated at a merchant, information calculating means for calculating the amount of loans available to the affiliated customer in response to the confirmed card sales receivable information, and the calculated loanable amount of money Interface providing means for providing to a customer and providing a predetermined user interface for the merchant customer to input (or select) at least one loan application information for the loan application secured by the card sales receivable, and the user interface When the loan application request is received through the card sales bond And information storage means for performing loan processing for the security of the right, and information storage means for processing the loan processing details in association with the affiliated store customer information (or account information) and storing the information in a predetermined storage medium. .

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 the receivables receivables of small and medium stores according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given customer (eg, shop owner or business owner, etc.) uses a e-book account issuing interface to e-Lo book issuing system to convert the accounts receivable according to the card sales of the shop according to the present invention. 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. All.

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 this Figure 1 according to the embodiment of the present invention, the e-soho account issuing system for the receivables receivable according to the card sales of the store according to the present invention, the employee terminal used by the teller staff 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 embodiment of the present invention, the customer (eg, shop owner or business owner, etc.) visits the financial institution for the securitization of the trade receivable according to the card sales of the store according to the present invention and through the window provided in the financial institution. Application for issuing a predetermined e-book account for the receivable of receivables according to the card sales of the store (or through a teller) (e.g. 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 the securitization of the trade receivable according to the card sales of the store); When submitting the completed e-Loss Bankbook issuance application form to the teller, the teller will receive the e- Enter (or select) the information entered in the Loan Passing Issuance Application Form, and the employee terminal issues an e-Lower Passbook provided on the e-Lower Passing Issuing System through the network means. It is desirable to send to the 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 (for example, a party network) for connecting a communication channel between the employee terminal and the e-book account issuing server. It is preferable to make it.

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 the function of the e-Loss Bank issuing interface for the customer to register the e-Loss Bank issuing application information for the securitization of the accounts receivable 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 are provided. 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 (eg, a store owner) 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. It provides IC chip based non-face-to-face financial transaction service to 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 in at least one branch (or counter), 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 additional ledger additional information, which is more specific or complementary to It is characterized by that.

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. In addition, at least one of the ledger additional information corresponding to each ledger information is familiarized, and each ledger information is linked and stored in a relational manner, or predetermined ledger information and at least one ledger additional information are relationally connected. Since it will be understood that the stored processing is linked, a 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 a generic term for the e-social bankbook issuing system side components connected to the bankbook issuing terminal and a predetermined network means, and 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 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 of an account number, a waiver (month), a period (days), an extension, a maturity date, and a 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, account receivables securitization information, and bill payment information may be made including 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 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 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 (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 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 or more 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. As for the process of issuing an e-book, the person having ordinary knowledge in the technical field to which the present invention belongs, e. Various implementation methods for issuing a SOHO account may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 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.) to be issued an e-book account according to the present invention in order to liquidate the bond receivable according to the card sales of the store, a predetermined e-book account issuance interface After filling out a predetermined e-social bankbook issuance application form including a predetermined e-social bankbook issuing application information, the e-social bankbook issuing application information is provided to the server through a predetermined e-social 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-Loss Bank 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-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 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, a shop owner or a business owner) is not authenticated through the e-Loss Bank issuing application information (310), the server issues the e-Loss Bank account. Providing the e-Lossing issuing error information to the customer through an interface (315), and issuing the e-Lossing bankbook 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 corresponds to the financial account associated with the e-book on the ledger D / B 135 on the financial system of the e-book book information as shown in Figures 2a and 2b 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).

4 is a diagram illustrating an e-Los Bank account issuing system for the receivables of the small and medium stores according to another embodiment of the present invention.

In more detail, Figure 4 shows that a given customer (e.g., a shop owner or business owner, etc.) is liable for the securitization of trade receivables according to the card sales of a store according to the present invention, using an e-book account issuing system through a predetermined e-book pass issue 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. All.

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 receivables receivable 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-Loty Bankbook issuance application information for the receivables securitization according to the card sales of the store, the client terminal issuance server provided on the e-Lowest Bank issuing system through a predetermined network means 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 at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. desirable.

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 Wireless connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

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 communication function for communicating with the bankbook issuing 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 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 the securitization of accounts receivable 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 include, but the invention is not limited thereto.

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-Lounge bank account for the liquidation of the receivables according to the card sales of the shop of the present invention. Performs a function of an e-social bank account 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 e-Lo Banking issuing application for the customer's receivables according to the card sales of the shop according to the present invention. If the 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 the e-social bank issuing interface for registering the terminal, the terminal ( 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 convert the accounts receivable according to the card sales of the store according to the present invention. -Perform 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, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) IC chip to 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. Based on 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, 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 (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 corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) One or more of the ledger additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 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 an 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 is characterized by.

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 the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. 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 In addition, 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. In response to the e-Lounge issuing application information, characterized in that for receiving, the received bankbook issuing 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 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 exemplary embodiment of the present invention, the customer (for example, a store owner or a business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system, and is connected to the financial account. When the user wants to be issued an e-book account (for example, a virtual account or an OA account), the e-book account issuance application information further includes the previously issued financial account information (eg, account number, etc.). Can be configured to

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-soho 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 would be possible to infer various implementation methods for issuing the e-Lounge Bank account for the securitization of receivables according to the card sales, but the present invention is a model of the inferred implementation method. 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 receive an e-Locate account according to the present invention for the liquidation of a trade receivable 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 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. 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-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 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 financial system is preferably provided in a DBMS on the financial 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 illustrates at least one e-bookbook (or e-bookbook associated with a customer's real account) issued through the e-bookbook issuing system shown in FIG. Predetermined communication means when processing at least one payment in a payment system including a payment terminal 640, a value added network (VAN), and a payment server 635 provided in a store that has received an e-book. Confirm at least one or more payment history information (e.g., card sales information generated in the shop) from the payment system, and the e-social account entry information (e.g. Contents, a document approval amount, a document number, a payment approval number, etc.) to correspond to the e-bookbook issued through the e-bookbook issuing system shown in FIG. The present invention relates to a method of implementing an e-Loty bank account operating system for storing (or recording) data in a ledger D / B (or a predetermined storage medium) on a financial system. By referring to or modifying the Figure 6 can be inferred various implementation methods for the configuration of the e-Lounge Bank operating system for the receivables securitization according to the card sales of the store, the present invention includes all the implementation methods inferred, It 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 in accordance with the embodiment of the present invention, the e-book account operating system for the receivables securitization according to the card sales of the store, the payment terminal 640 provided in the shop has been issued the e-book And a payment system including a value added network (VAN) and a payment server 635 and the payment system (eg, a bansa server or a payment server 635) when processing at least one or more payments through the payment system. (E.g., a card company server), etc.), and confirms payment history information (e.g., card sales generated at the store and deposit information according to the card sales), and predetermined e-book entry information from the payment history information. (E.g., a document approval date and time, a document approval content, a document approval amount, a document number, a payment approval number, etc.) and received through the e-Loss passbook issuing system shown in FIG. And a financial company server 600 for storing in the ledger D / B on the financial system corresponding to the e-Lo bankbook, and the account ledger corresponding to the store (or customer) financial account on the payment system. And a banking system having a ledger D / B for storing ledger information (e.g., e-bookbook service information, etc.) to which the e-book book information shown in FIG. 1 or 3 is added.

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; And an information storage unit 620 for storing in e-social ledger information associated with a store (or customer) financial account provided in the ledger D / B on the financial system or in a predetermined storage medium. It is done.

In addition, the information checking unit 630 is a store (or customer) financial account provided in the ledger D / B on the financial system through a predetermined ticket purchase institution (for example, a card company, or a financial institution equipped with the financial system). And checking whether a document corresponding to the e-bookbook entry information included in the e-bookbook ledger information associated with 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-routing passbook entry information is generated by the information generation unit 625, the information storage unit 620 transfers the generated e-Losing passbook entry information to the ledger D / B on the financial system. The store (or a customer (eg, shop owner or business owner)) provided in the e-Lounge Ledger information associated with the financial account or stored in a predetermined storage medium.

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 (eg, mail server, message sending server) that is connected to the store terminal and the communication via a wired or wireless network Etc.).

In addition, the financial company server 600 is stored in the ledger D / B on the financial system at least one e-soho account ledger information is processed in association with the bank account ledger corresponding to the merchant bank account (eg, real account), An information extracting unit 615 for periodically extracting the e-Lower ledger information from the ledger D / B (or a predetermined storage medium) on the financial system, and an e- corresponding to the extracted e-Lower ledger information. The store terminal (eg, 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 of e-book entry information including mail, a message, and a web document. (Eg, a store mail account, or a wireless message receiving device of a store representative).

7 is a diagram illustrating an e-soho bank operating process for the receivables securitization according to the card sales of the store according to an 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 Generates e-social bankbook entry information (eg, document approval date and time, document approval content, document approval amount, document number, payment approval number, etc.) The present invention relates to an implementation method of storing in a ledger D / B (or a predetermined storage medium) on a financial system corresponding to the illustrated e-Lounge Bank. By referring to or modified to the various implementation methods for the e-soho bank account operating process for the receivables receivable according to the card sales of the store can be inferred, the present invention includes all the implementation methods inferred, Figure 7 It is not limited to the implementation method shown by.

In FIG. 7, the financial institution server on the e-Loty Bank account management system shown in FIG. 7 is referred to as “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. Store information (e.g., merchant number, etc.) that can identify relevant information and the e-Lossing Ledger corresponding to a financial account (or a customer (eg, shop owner or business owner)) provided in the ledger D / B on the financial system. ) 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).

Then, the server 600 is provided in the ledger D / B on the financial system from the payment history information (for example, the card sales generated in the store and the deposit information according to the card sales) confirmed from the payment system Extracting (or verifying) store information (eg, merchant number, etc.) that can identify an e-Lounge General Ledger corresponding to a store (or a customer (eg, a store owner or business owner)) financial account (725), and extracting Based on the store information, the e-book processed in connection with a financial account (or a customer (eg, a store owner or a business owner)) provided in the ledger D / B on the financial system through the bank account issuing system shown in FIG. 1 or 3 is processed. Identify the bank account book (730) and process (or include) the generated e-book book ledger information in association with the financial system to the financial system In the ledger D / B of the award (735).

8 is a diagram showing the configuration of a sales slip liquidation information registration system according to an embodiment of the present invention.

More similarly, FIG. 8 shows a payment terminal and a van (Value Added Network; VAN) provided in a store where the bank has been issued the e-Loss account through the e-Loss Bank operating system shown in FIG. And at least one payment process in a payment system including a payment server, confirming at least one or more payment details information (for example, card sales information generated in the store) from the payment system through a predetermined communication means. In addition, the e-Lounge entry information (eg, document approval date, document approval amount, document approval amount, document number, payment approval number, etc.) is generated from the payment history information, and the ledger D / B (or predetermined) on the financial system. After storing (or recording) in the storage medium of the customer, and generates a predetermined account receivable liquidation information including the card sales information generated in the store, The present invention relates to a sales slip liquidation information registration system for storing in a predetermined storage medium (or a ledger database on a financial system) by linking with e-soho bankbook issuing store owner information or the customer e-soho bankbook information. Those skilled in the art may refer to or modify this drawing to generate predetermined account receivable information including card sales information generated in the store, and the customer (for example, e-book). Although it may be possible to infer various system configurations that are stored in a predetermined storage medium (or ledger database on a financial system) by linking with the issuing store owner information or the customer e-soho account information, the present invention provides all the inferred implementation methods. It includes, and is not limited to the embodiment shown in FIG.

Referring to Figure 8, by generating a predetermined account receivable information including the card sales information generated in the store, the process associated with the customer (e.g. e-book account issued store owner) information or the customer e-book account information The sales slips securitization information registration system configuration for storing in a predetermined storage medium (or ledger DB on a financial system) is a card sales provided from a predetermined card company server 825 through the e-soho account management system shown in FIG. When the information is stored in a predetermined storage medium (or ledger DB on the financial system), the card sales information that can be liquidized is identified from the stored card sales information, and the receivables information including the checked card sales information is generated. The server 800 and the card sales information is stored in the storage medium by processing in association with the customer information or customer e-soho account information It can comprise a storage medium.

Here, the card company server 825 provides a payment service to at least one customer through at least one or more store payment terminals, and stores and manages the sales slip related information corresponding to the payment service in a predetermined database and periodically To pay the slips to the shop characterized in that.

Referring to FIG. 8, the financial institution server 800 is based on e-social ledger information stored in the ledger D / B on the financial system or based on e-social bankbook related information stored in a predetermined storage medium. Information confirmation unit 805 for identifying the liquidity of the card sales information that is stored in the card sales information stored in the storage medium (or ledger DB on the financial system) and the sales slip liquidation information including the liquidated card sales information; The information generating unit 810 to generate and the information storage unit 820 for processing the generated sales slip liquidation information in association with the customer information or customer e-book account information to store in a predetermined storage medium to be configured to include Can be.

In addition, when predetermined sales slip liquidation information is generated through the information generation unit 810 through a predetermined network means, the server 800 converts the generated sales slip liquidation information into the customer (eg, an e-book). Issuing customer) may be configured to further include an information transmitting unit 815 for transmitting to the terminal.

The information confirmation unit 805 stores the card sales information provided from the predetermined card company server 825 through the e-social bank book operating system shown in FIG. 6 in a predetermined storage medium (or ledger DB on the financial system). When the card sales information is liquidated, the card sales information may be checked. For example, the card sales due to the payment of a debit card or a check card among the card sales information stored in the storage medium may be directly in a customer account. Since the transfer process may be difficult to be used for the securitization of the trade receivables, the information checking unit 805 may check the sales information such as a credit card having a predetermined payment cycle as a liquidation target.

In addition, the information checking unit 805 checks the creditworthiness of the customer, checks whether the customer has a bad credit or the customer's default (or breakdown), and whether the card sales information can be liquidated. You can check it.

The information generation unit 810, when the card sales information that can be fluidized among the card sales information stored in the storage medium (or ledger DB on the financial system) is confirmed through the information confirmation unit 805, the card sales information Characterized in that the sales slip liquidation information comprising, wherein the sales slip liquidation information generated by the information generating unit 810, the sales slip unique information to be set as collateral, sales amount information, the sales amount information ( And loanable amount information, loan application period information, loan interest information, loan period information, etc. corresponding to the customer credit rating information).

According to the exemplary embodiment of the present invention, the sales slip liquidation information generated through the information generator 810 may be updated at predetermined intervals.

For example, when the customer does not apply for the sales slip liquidation according to the present invention, among the newly stored card sales information and pre-stored card sales information, the slip amount of the slips processed from the card company may change from time to time. The securitization information is preferably updated at predetermined intervals.

The information storage unit 820, when the sales slip liquidation information is generated through the information generating unit 810, the generated sales slip liquidation information in association with the customer information or the customer e-book account information, the storage It is characterized in that the storage in the medium (or ledger DB on the financial system).

According to an embodiment of the present invention, when the sales slip liquidation information is generated through the information generation unit 810, the information transmitter 815 transfers the generated sales slip liquidation information through a predetermined network means to the customer. The terminal 835 may be transmitted to, for example, a wired terminal or a wireless terminal of a store owner.

9 is a diagram illustrating a sales slip liquidation information registration process according to an embodiment of the present invention.

More specifically, as shown in FIG. 9, the card sales information generated at the customer store is stored in a predetermined storage medium (or ledger D / B on the financial system) through the e-Lounge Bank operating system as shown in FIG. After the process is preceded, by generating a predetermined account receivable information including the card sales information stored in the storage medium and the like through the system shown in FIG. Or as an embodiment of the process for storing in a predetermined storage medium (or ledger DB on a financial system) by processing in conjunction with the customer e-book account information, if the person of ordinary skill in the art By referring to or modifying the present invention, the present invention generates predetermined account receivable information including card sales information generated in the store, and the customer (eg, e-book). Class stores owner) or the customer e-soho bank account information in conjunction with the process can be inferred in various storage methods (or ledger database on the financial system) can be inferred various implementation methods, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, a server 800 including a financial institution server 800 on the sales slip liquidation information registration system shown in FIG. 8 is referred to as a " server 800 " for convenience, and the system shown in FIG. The customer terminal 835 on the top is referred to as a "terminal" for convenience.

Referring to FIG. 9, as shown in FIG. 7, a process of storing card sales information generated at the customer store in a predetermined storage medium (or ledger D / B on a financial system) through an e-book management system. After this is preceded, the server 800 may start from the process of confirming the card sales information stored in association with the customer information or customer e-socket account information from the storage medium (or ledger D / B on the financial system). (900).

When the card sales information stored in association with the customer information or the customer e-book account information is confirmed, the server 800 checks the card sales information capable of liquidating the sales slip according to the present invention among the checked card sales information. (905).

Here, the server 800 checks the card sales information due to the debit card or check card payment of the card sales information (for example, due to the characteristics of the debit card or check card transfer process directly from the customer account may be difficult to be used for the receivables receivables). The server 800 may check sales information such as a credit card having a predetermined payment cycle as a liquidation target.

As described above, when the card sales information capable of liquidating the sales slip according to the present invention is confirmed (910), the server 800 generates the sales slip liquidation information including the confirmed card sales information (915).

Here, the generated sales slip liquidation information, the sales slip unique information to be set as collateral, sales amount information, loan amount amount information corresponding to the sales amount information (and customer credit information, etc.), loan application period information, loan It may be configured to include interest information, loan period information, and the like.

When the sales slip liquidation information is generated, the server 800 processes the generated sales slip liquidation information in association with the customer information or the customer e-soho account information and a predetermined storage medium (or ledger DB on the financial system). In step 920, the generated sales slip liquidation information is transmitted to the customer communication unit and notified (925).

FIG. 10 is a diagram illustrating a system configuration for performing a sales slip liquidation process according to a request of an e-Lower 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 an internet banking server based on a network based on a network (eg, the Internet, etc.) and a communication channel for internet banking are connected, the e-routing book information corresponding to the accessed customer information (or store information) is checked, and An embodiment of an information processing system for performing a sales slip liquidation process according to the present invention, among the management and additional services for the confirmed e-book account information, the information processing system having a web browser, Providing at least one or more customer terminals 835 and e-bank account, and internet banking service from the customer terminal 835 Then, the e-soho account book information corresponding to the accessed customer information (or store information) is identified and extracted to manage the e-soho account book of the customer and the predetermined financial transaction (eg, sales slip liquidation, etc.). It is characterized in that it comprises an internet banking server to apply.

According to an embodiment of the present invention, the Internet banking server processes the financial business required to provide the Internet banking service through a predetermined interface means and corresponds to the e-Lounge Bank information corresponding to the accessed customer information (or store information). It is desirable to be linked to the financial system to manage and operate 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 information processing system shown in FIG. The present invention is not limited to the omitted elements.

For example, FIG. 10 illustrates the client terminal 835 based on a predetermined browser program (eg, Internet Explorer of Microsoft Corporation, or Netscape Navigator of Netscape Corporation, etc.) included in the customer terminal 835 issued with the e-book. Customer accesses the Internet banking server by checking e-social bankbook information corresponding to the customer information (or store information) in the process of initiating or processing a predetermined financial transaction using internet banking). Although an embodiment of the information processing system for the management and operation of a predetermined e-book account requested from the terminal 835 (eg, sales slips liquidation, etc.) is illustrated, the present invention has a general knowledge in the art. Growing up, refer to the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. Is modified to perform a predetermined financial transaction using internet banking between the client terminal 835 and the internet banking server based on a predetermined internet banking program (or a predetermined bankbook management program, etc.) mounted on the client terminal 835. Information processing system for managing and operating (e.g., sales slips, etc.) on the basis of the e-Loty Bankbook information identified in response to the accessed customer information (or store information) in the process of initiation or processing. 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 information processing system by referring to or modifying the configuration of the information processing system shown in Figure 10, for the non-face-to-face channel-based financial transactions according to the present invention The information processing system using another banking service such as telebanking or wireless banking or TV banking may be inferred. However, in FIG. 10, the information processing system using the internet banking will be described. It is noted that the present invention is not limited to the case of the Internet banking shown in FIG.

The at least one customer terminal 835 having received the e-book is connected to the Internet banking server 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 communication channel for the banking server and the 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. An interface module corresponding to a form and at least one database for storing and managing 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), investment finance module (not shown), international module (not shown) may be included at least one or more components, if one of ordinary skill in the art 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 is interlocked with the financial system through the external system, for this purpose, the external system preferably comprises a component for interworking with the Internet banking server through a predetermined interface means.

The Internet banking server 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 835, or in conjunction 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 835.

In particular, when the Internet banking server connects to a predetermined customer terminal 835, the e-socket book information corresponding to the accessed customer information (e.g., verified customer information) is sent to the ledger D / B (or predetermined) of the financial system. Storage medium) to perform the management and operation of the e-book account requested from the connected customer terminal 835 (e.g., sales slip).

To this end, the Internet banking information is at least one customer terminal 835 authenticates the customer corresponding to the customer terminal 835 when accessing and logging into the Internet banking server, or the customer through the Internet banking server To authenticate the financial transaction customer during at least one financial transaction, or to authenticate the e-Lo Bank account management and operation customer when the customer manages and operates the issued e-Loss Account through the Internet banking server. It includes customer authentication information and banking element information for processing a financial transaction corresponding to the financial transaction request in conjunction with the financial system when a predetermined financial transaction request from the customer through the customer terminal 835 At least one or more pieces of information required for Internet banking may be further included according to the intention of the person skilled in the art. 10 is omitted for convenience.

Referring to FIG. 10, the Internet banking server provides a predetermined Internet banking service (or an additional service such as e-book management and operation) to an e-book holder issuing terminal 835 according to the present invention. Web interface unit for connecting and managing a Hyper-Text Transfer Protocol (HTTP) based communication channel, and e-corresponding to the customer (or store) stored in the ledger D / B (or predetermined storage medium) of the financial system. An information extraction unit for checking e-book account information and extracting e-book book information corresponding to the customer from the ledger D / B (or a predetermined storage medium); and the e-book book at the request of the customer Web page for operating a web page to be provided to at least one or more of the customer terminal 835 in conjunction with the information management unit for performing a related service (eg, sales slips, etc.) and the web interface and information management unit A user interface for providing a predetermined Internet banking service (or an additional service such as e-book management and operation) to at least one client terminal 835 in association with an operation unit and the web page operation unit. A UI processing unit for generating a screen; and a communication channel and a user interface for processing Internet banking based on HTTP between the customer terminal 835 and the internet banking server by the function configuration. Can be implemented.

In addition, the Internet banking server, in conjunction with the UI processing unit, the predetermined content for providing the Internet banking service (or additional services such as e-book management and management) from the DBMS provided in the Internet banking server. It may be configured to further include a content management unit for extracting or receiving a predetermined content to be stored in the DBMS from the customer terminal 835.

In addition, the Internet banking server provides a customer authentication interface screen to at least one customer terminal 835 in conjunction with the web page operation unit through a UI processing unit based on the customer authentication information of the Internet banking information, or the interface screen Based on the at least one customer authentication information may be configured to further include a customer authentication unit.

In addition, the Internet banking server provides a financial transaction-related interface screen to at least one customer terminal 835 in conjunction with the web page operation unit through a UI processing unit based on the banking element information of the Internet banking information, or the interface The banking processor may be further configured to receive at least one financial transaction related information based on the screen.

In addition, the Internet banking server may be configured to further include a ledger processing unit for performing a ledger processing procedure corresponding to the financial transaction requested from the customer in conjunction with the financial system through a predetermined interface means, the ledger processing unit It is preferred to be connected to the outside world of the financial system through an interface means.

The customer authentication information stored in the DBMS includes ID / PW information and customer information (eg, customer name, store name, business registration number, address, contact information, etc.) of a customer accessing the Internet banking server through the customer terminal 835. It is preferable to include at least one member information including at least one, wherein the customer authentication unit requests the ID / PW information of the customer to the customer terminal 835 in conjunction with the UI processing unit, the customer terminal 835 Receive the ID / PW information, compare the received ID / PW information with ID / PW information included in the member information, and authenticate the customer accessing the Internet banking server; Characterized in that the information (or customer authentication information) is delivered to the information extraction unit and the information management unit.

Preferably, the ID / PW information may be provided to the Internet banking server according to a conventional ID / PW transmission / reception procedure. However, the ID / PW information is symmetrical in the client terminal 835 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 of the encryption method, and for this purpose, the customer authentication unit is the ID It may further comprise a functional configuration for decoding the / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (for example, financial settlement agency) and the certificate server information, or the authentication certificate registration authority information that issued a predetermined certificate to the customer connected through the customer terminal 835 (E.g., when the official certificate is registered through the company, the information of the party, the other information when the official certificate is registered through the other line, etc.), or the certificate information issued to the customer by the certification body is preferable. In this case, the customer authentication unit requests a 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 authenticating the customer. The information extracting unit and the information transport may be performed on the authenticated customer information (or customer authentication information). Characterized in that delivered to the melt.

In addition, the customer authentication unit provides the communication session information and the certificate information connected to the customer terminal 835 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 835, the result may be provided to the customer authentication unit.

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 through the customer terminal 835, 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 requests the certificate-based customer information to the customer terminal 835 in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer, The client may be authenticated by receiving the certificate-based customer information from the customer terminal 835 and authenticating the certificate-based customer information through a copy of the authorized certificate or a directory of a certification authority, and the authenticated customer information ( Or customer authentication information) to the information extraction unit and the information management unit. The.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit, or a predetermined random number generated by the customer terminal 835, in which case the customer terminal 835 is the authorized certificate And encrypting the 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 to provide to the customer authentication unit (for example, , If the random number is generated in the client terminal 835, further comprising a random number in a plain text form), based on the copy of the certificate of the customer or the certificate information of the customer extracted from the directory. Decrypt the encrypted random number to compare with each other, or the random number of the plain text form (for example, in the customer authentication unit By comparing the generated random number or random number generated by the customer terminal 835 with each other, the customer can be authenticated, and the authenticated customer information (or customer authentication information) is transmitted to the information extraction unit and the information management unit. Characterized in that.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal 835 (for example, information stored in the storage device of the customer terminal 835 in the Internet banking server, or Information (or system information) previously stored in the customer terminal 835, or storage information (e.g., an IC card (or IC) read out from an IC card (or IC chip) interoperating with the customer terminal 835. Chip) serial number, or information stored in the IC card (or IC chip) memory by the IC card (or IC chip) issuing authority), in which case the customer terminal 835 stores the data through the certificate. Information is encrypted to at least one 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 provided to the customer authentication unit. The customer authentication unit may authenticate the customer by decrypting the encrypted stored information based on the copy of the customer's official certificate or the certificate information of the customer extracted from the directory and comparing the encrypted stored information with each other. Characterized in that the information (or customer authentication information) is delivered to the information extraction unit and the information management unit.

According to another exemplary embodiment of the present invention, the certificate-based customer information includes input information (for example, a key input device provided in the customer terminal 835) input through an input means provided in the customer terminal 835. Or information input through an input device (for example, a short-range communication device) other than a key input device provided in the customer terminal 835. In this case, the customer terminal 835 Providing the input information to the customer authentication unit by encrypting the input information 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 encrypted by the customer authentication unit based on the copy of the customer's official certificate or the certificate information of the customer extracted from the directory. By intercomparison decodes the output information, it is possible to authenticate the customer and the authenticated client information (or the customer credentials), it characterized in that the information delivered to the extraction unit and operation information.

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 interoperates with the UI processing unit to request a predetermined OTP code to the customer terminal 835, receives the OTP code from the customer terminal 835, and generates a predetermined OTP authentication code based on the OTP generation information. By generating and comparing the received OTP code and the generated OTP authentication code, it is possible to authenticate the customer, and to pass the authenticated customer information (or customer authentication information) to the information extraction unit and information operation unit It features.

The OTP code includes at least one 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 client terminal 835 to provide a higher level of security. It is preferable that the data is encrypted and received through the above encryption method. For this purpose, the customer authentication unit preferably further includes a functional configuration for decrypting the OTP code.

When the banking processor requests at least one financial transaction from the client terminal 835, the banking processor requests information input interface screen corresponding to the requested financial transaction to the client terminal 835 in cooperation with the UI processor. If the predetermined financial transaction request information is input (or selected) and received from the customer terminal 835 through the financial transaction request information input interface screen, the financial transaction request information is referred to with reference to the banking element information. Generate (or extract) predetermined financial transaction information corresponding to the data and provide the same to the ledger processing unit.

For example, when the connected customer manages and operates the e-Loss Account according to the present invention, when the bank transfer transaction is requested, the banking processor is connected to the UI processor to the customer terminal 835. Providing a predetermined interface screen for inputting (or selecting) information necessary for the account transfer (for example, withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.); When the information necessary for the account transfer (for example, withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input through the interface screen and received, Generating predetermined financial transaction information for withdrawing the transfer amount from the withdrawal account and depositing it into the deposit account with reference to banking element information; It is provided to the ledger processing unit.

In addition, when the customer requests the sales slip liquidization on the basis of the sales slip liquidation information generated through the information registration system shown in Figure 8 according to the embodiment of the present invention, in conjunction with the information management unit, the sales slip The ledger processing unit generates predetermined financial transaction information for depositing the loan amount available to the customer on the basis of the securitization information into the customer account (for example, a real account or an e-book). Can be provided as

According to the exemplary embodiment of the present invention, the banking processor receives the predetermined financial transaction request information from the customer terminal 835, and requests the financial transaction through at least one customer authentication method in conjunction with the customer authentication unit. It is preferable to authenticate the customer, thereby, confidentiality and authentication of the customer (or a customer who has entered (or selected) the financial transaction request information transmitted through the customer terminal 835). ), Integrity and Nonrepudiation are secured.

In addition, according to an embodiment of the present invention, when the banking processor requests at least one financial transaction from the client terminal 835, the information extracting unit extracts from the storage medium in association with the information managing unit and the information extracting unit. Receive e-Lo Bankbook information corresponding to the customer information, and check the e-Lo Bankbook information to be applied to the financial transaction requested by the customer from the e-Lo Bankbook information received, and then to the financial transaction requested by the customer When the e-soho account information to be applied is confirmed, the confirmed e-soho account information may be applied to the financial transaction requested by the customer.

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

In addition, when the e-bookbook information corresponding to the customer is extracted through the information extraction unit, the information management unit delivers the extracted e-bookbook information to the web page manager, the request from the customer terminal 835 Characterized in that to carry out the e-social account management and operation.

According to the implementation method of the present invention, the e-soho account management and operation requested by the information operation unit from the customer terminal 835, transaction log record information management, credit card sales and settlement payment management, billing statement At least one management and dispatch information management, bill management and issuance information management, accounting office linked business management, accounts receivable securitization information management, and bill payment information management.

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.

The information management unit may perform credit card sales and settlement payment management, through which the customer (eg, the store owner or the business owner) manages the settlement request aggregation information and the amount of payment for each card company that the store has contracted with the merchant. Information can be managed.

For example, the customer (e.g., a shop owner or a business owner) may access the Internet banking server through the Internet banking shown in FIG. 10 and refer to the credit card sales and payment account management information to facilitate the deposit amount management. Can be.

In addition, the information management unit, based on the purchase information received from the VAN or PG or the card company, etc., it is possible to check the deposit due date, and compare the actual amount of money and the scheduled deposit date by card company.

In addition, the information management unit may check the distribution and the expected amount of deposit by the card company of the day sales and the day sales, and further confirm whether the deposit by matching the amount of payment by the card company with the balance of the bankbook, if the date passes for the sales by date The deposit amount and the deposit amount information may be provided to the customer terminal 835 in conjunction with the UI processing unit. If the deposit is not made after a specific date, the message is output to the access customer terminal 835 or the customer ( For example, a shop owner or a business owner, etc.) may be transmitted to a communication means (eg, e-mail, SMS, etc.).

According to the embodiment of the present invention, the information management unit, characterized in that the management of billing management and shipping information, through which the customer (for example, the store owner or business owner) can create a bill and send it by email You can do that.

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

According to an embodiment of the present invention, the information management unit may perform management of the bill management and issuing information, and the connected customer is stored (or recorded) in the ledger D / B (or a predetermined storage medium). You can view, print, and sort the information on the issuance and management of the electronic tax invoice.) Through this, it is easy to register and manage the monthly invoice issuance and purchase invoice.

In addition, the information management unit, the customer (e.g., store owner or business owner, e. When applying for issuance of account (or after application), it can be provided to the accounting office by referring 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 an embodiment of the present invention, if the customer requests the receivables securitization through the receivables securitization information, the information management unit is included in the receivables securitization information generated through the information registration system shown in FIG. Check the unique information of the sales slip to be set as collateral, sales amount information, loan amount information corresponding to the sales amount information (and customer credit information, etc.), loan application period information, loan interest information, loan period information, etc. Determining the receivables securitization, characterized in that for transmitting the identified information to the banking processing unit.

In addition, the information management unit may perform the management of the sales slip liquidation information, the customer (for example, the store owner or business owner, etc.) when applying for the securitization of the receivables, the details of the liquidation or confirmed details To output

According to an exemplary embodiment of the present invention, when the customer (for example, a shop owner or a business owner) applies for securitization of a trade receivable, the e-soho bank issuing financial institution (for example, a bank, etc.) deposits from the card company. Receiving, and may provide the customer in advance in the form of a short-term loan (e.g., the amount to be paid by the customer from the card company or a loan corresponding thereto), wherein the information management unit, It can be provided to connected customers.

According to the implementation method of the present invention, the information management unit may perform the management of the utility bill payment information, when the customer (for example, the shop owner or business owner, etc.) when applying (or after application) issuing e-book account, When the application for payment of a predetermined utility bill (for example, insurance, abdominal tax, corporate tax, VAT, etc.), the details of payment of the utility bill may be provided to the customer.

The web page management unit may determine to include the e-social account information received from the information extraction unit or information management unit in the web page to be provided to the connected customer terminal 835, wherein the web page is It may be configured to include the e-soho account management and operation menu.

The UI processing unit may include 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 835 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 the customer terminal 835 connected to the Internet banking server.

At this time, the UI processing unit, the transaction log record information management menu, credit card sales and settlement payment management menu, billing management and dispatch information management menu, bill management and issuance A user interface (UI) screen including at least one of an information management menu, an accounting office linked business management menu, a receivables securitization information management menu, and a utility bill payment information management menu may be generated to access the connected customer terminal ( 835).

According to the exemplary embodiment of the present invention, the storage medium stores e-routing account history information accumulated through the operating system shown in FIG. 6 or the information registration system shown in FIG. 8, and the storage medium stores the e-book. -Provided in the Internet banking server 800 on the Lo Bank account management system, or in a DBMS on the financial system provided on the e-Lo Bank account management system (or associated with the e-Lo Bank account management system), or Any server 800 (e.g., described above) in a given system (or system (e.g., an information management system or an information registration system described above) associated with the e-Loty Bankbook management system (or financial system) Information management server or information registration server, etc.).

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, in FIG. 11, in the information processing system shown in FIG. 10, a predetermined customer terminal 835 is provided in the e-book management system through a TCP / IP based network (eg, the Internet). When accessing the Internet banking server is connected to the Internet banking-based financial transaction channel (or e-soho bank management channel) between the customer terminal 835 and the Internet banking server, the authenticated customer information ( Or e-soho account book information corresponding to customer authentication information) and apply the extracted e-soho account information to the e-soho account book management requested by the customer or a predetermined financial transaction. The present invention relates to a method of performing an authentication procedure for a customer, and a person skilled in the art to which the present invention pertains can refer to or modify this drawing 11 to obtain Although it is possible to infer a method of performing various authentication procedures using an internet banking-based financial transaction channel (or an e-book management channel) between the terminal 835 and the internet banking server, the present invention provides all the inference methods It includes, and is not limited to the embodiment shown in FIG.

In addition, according to the embodiment of the present invention, the drawing 11 is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation, Netscape Navigator of Netscape Corporation, etc.) included in the customer terminal 835. Upon connection, an internet banking-based financial transaction channel (or e-book management channel) for a predetermined financial transaction using internet banking is performed between the client terminal 835 and the internet banking server 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. 11 to the customer terminal 835. Based on a predetermined internet banking program to be loaded with the customer terminal 835 Although it is 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 internet banking between the net banking servers, the present invention provides the Internet banking program. Internet banking-based financial transactions provided based on, and the present invention is not limited thereby.

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 835 executes a predetermined browser program and accesses the Internet banking server through the TCP / IP based network (1100),

The Internet banking server connects the communication channel between the customer terminal 835 and the Internet banking server through the browser (1105), wherein the communication channel is a browser program provided in the customer terminal 835 in the Internet banking server. Generates (or extracts) a predetermined web page at the request of the client, and transmits the predetermined web page to the client terminal 835 based on a predetermined user interface included in the web page in a browser program included in the client terminal 835. This means that a predetermined communication session is allocated to receive at least one or more information (or data) inputted (or selected).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal 835, the internet banking server 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.

The internet banking server then secures a predetermined security for internet banking on the customer terminal 835 on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the customer terminal 835. A predetermined security module for internet banking is provided to the customer terminal 835 by adding a predetermined script for confirming whether a module is mounted or updating the security module to the customer terminal 835. Whether it is mounted or whether to update the security module is checked (1110).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal 835, the internet banking server 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 835 (1115), the Internet banking server is updated to the customer terminal 835 according to a remote program installation procedure defined in the browser program. The Internet banking security module for transmission is mounted 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 835 (1125) or to mount or update the security module for internet banking on the customer terminal 835 (1115), The internet banking server activates an internet banking security module installed in the customer terminal 835, thereby connecting a security channel for internet banking between the customer terminal 835 and the internet banking server (or the customer terminal 835). Converting a communication channel between Internet banking servers into a secure channel (1130), wherein the secure channel for internet banking is included in information (or data) included in a web page to be provided to the customer terminal 835 from the Internet banking server. If a certain electronic signature is attached to the information (or data) required for security or is encrypted and provided by at least one encryption method (or encryption algorithm), The communication channel allows the customer terminal 835 to verify the digital signature or to decode the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). In addition, the client terminal 835 attaches a predetermined electronic signature to information (or data) to be provided to the Internet banking server for financial transactions using Internet banking, or uses at least one encryption method (or encryption algorithm). When encrypted and transmitted, a communication channel for causing the Internet banking server to verify the electronic signature or to decrypt the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal 835, the Internet banking-based secure channel may be configured in the internet banking server 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 835 or is encrypted and provided by at least one encryption method (or an encryption algorithm), the client terminal 835 confirms the electronic signature or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm), and also using the Internet banking in the customer terminal 835. Prescribed in the information (or data) to be provided to the Internet banking server for financial transactions When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the Internet banking server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with 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 certificate of the customer mounted on the customer terminal 835.

When the secure channel for internet banking is connected, the internet banking server 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 (eg, an ID / PW registered by the customer in the internet banking application process) through the customer terminal 835. Or inputting (or generating) a customer number, etc.) to the internet banking server, the internet banking server authenticates a customer connected through the customer terminal 835 as an internet banking customer based on the customer authentication data. 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 a predetermined Internet banking-based customer authentication data (eg, an ID / PW registered by the customer in an internet banking application process) through the customer terminal 835. Or (or a customer number, etc.) is input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the customer terminal 835 as the Internet banking customer based on the customer authentication data, The results are provided to the Internet banking server, wherein the customer authentication data preferably includes a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data ( 800).

Thereafter, the customer terminal 835 inputs (or generates) predetermined customer authentication data according to the request, electronically signs or encrypts the data through the security module, and transmits the data to the Internet banking server (or authentication server). Request for authentication (1140), the Internet banking server (or authentication server) is based on the customer authentication data received from the customer terminal 835 based on the non-facing channel based on the customer connected through the customer terminal 835 Authenticate as an internet banking customer for financial transactions (1145).

If the Internet banking customer authentication fails (1150), the Internet banking server blocks the Internet banking security channel for the customer terminal 835 (1155), the Internet banking-based finance through the customer terminal 835 The transaction is prevented from being made.

On the other hand, if the Internet banking customer authentication is successful (1150), the Internet banking server 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 835, According to an exemplary embodiment of the present invention, the e-socket account information corresponding to the authenticated customer information (or customer authentication information) is retrieved from the storage medium and checked, and then output to the customer terminal 835 (1160).

FIG. 12 is a diagram illustrating a process of performing a sales slip liquidation process at the request of an e-Loss Bank issuing customer connected to a financial institution through Internet banking according to an exemplary embodiment of the present invention.

More specifically, Figure 12 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 that has been issued an e-Loss Account according to the present invention. When an internet banking server based on a network based on a network (eg, the Internet, etc.) and a communication channel for internet banking are connected, the e-routing book information corresponding to the accessed customer information (or store information) is checked, and As an implementation method for the process of carrying out the sales slip liquidization process according to the present invention among the management and additional services for the confirmed e-book account information, the person of ordinary skill in the art to which the present invention belongs, By referring to or modified through the Internet banking-based financial transaction channel (or e-Lounge Bank management channel) between the customer terminal 835 and the Internet banking server. Would be able to derive a number of ways to perform the group sales slip fluidizing process, 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 for the customer who accesses the Internet banking server is completed through the process of FIG. 11, the Internet banking server sends an e-book account menu (eg, sales) to the connected customer terminal 835. And a user interface including a document liquidation menu).

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.

Thereafter, the server 800 checks whether the customer slip liquefaction menu is selected from a specific e-social passbook menu to be managed through the user interface transmitted from the server 800 in the customer terminal 835 (1205). If the customer has selected the sales document securitization menu (1210), the server 800 is associated with the customer information or customer e-soho account information from the storage medium (or ledger D / B on the financial system). The stored sales document securitization information is confirmed (or extracted) (1215).

When the sales slip liquidation information stored in association with the customer information or the customer e-loan account information is confirmed (or extracted), the server 800 unique sales slip information to be set as collateral included in the sales slip liquidation information, sales Check the amount information, loan amount information corresponding to the sales amount information (and customer credit information, etc.), loan application period information, loan interest information, loan period information, etc. (1220), with reference to the confirmed information The loan is deposited by depositing the loan amount into the customer account (for example, a real account associated with the e-book or the e-book), and performs a loan (1225).

Thereafter, the server 800 processes the sales slips liquidation processing details (or loan processing details) in association with the customer information or customer e-soho account information and stores them in the storage medium (or ledger D / B on the financial system). In operation 1230, the sales slip liquidation processing history (or loan processing history) is transmitted to the customer terminal 835.

13 is a diagram showing the configuration of the settlement processing system according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates a sales slip liquidation process (eg, loan) at the request of a customer (eg, a store owner or a business owner) who has been issued an e-book account according to the present invention through the information processing system shown in FIG. After the process), at least one card company deposits the payment of the slips to be paid to the corresponding shop by the predetermined information processing server, the received slip payment information is checked and the corresponding payment slip is deposited. In the case of the document purchase amount deposited in correspondence with the securitized sales slip, the payment of the received document purchase is settled as a repayment for a predetermined loan paid to the customer by the securitization process. As for the system configuration, those skilled in the art to which the present invention pertains, Referring to or modified with reference to 13, it will be possible to infer a variety of settlement processing system configuration for the settlement of the deposit slip payment to the repayment for a predetermined loan paid to the customer by the securitization process, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, at least one credit card company must pay at least one credit card company to settle the payment of the slip received from a predetermined credit card company as a repayment for a predetermined loan paid to the customer by the liquidation process. When the deposit slip is received, the received slip purchase information is checked to determine whether the slip is to be paid in correspondence with the securitized sales slip, and when the slip is received in correspondence with the securitized sales slip, The settlement processing server 1300 for processing the receivable slip received by the liquidation process as a repayment for a predetermined loan paid to the customer, and the predetermined card company server 1330 for depositing the slip received by the slip and the slip purchase slip The financial system that issued the customer's e-Lower account (or customer's real account) to be deposited Characterized in that obtained by box.

Here, the card company server 1330 provides a payment service to at least one card customer through at least one shop payment terminal of the customer, and stores and manages information related to the slip in a predetermined database corresponding to the payment service. Periodically, the slip payment is paid to the shop.

Hereinafter, in FIG. 13, the settlement processing server 1300 on the settlement processing system will be referred to as "server 1300" for convenience.

Referring to FIG. 13, the server 1300 checks the sales slip liquidation information or the sales slip liquidization processing history information stored in a predetermined storage medium (or ledger D / B on a financial system), and the predetermined card company server 1330. Documents for sales slips liquidated in accordance with the present invention among the document purchase payment information which is approved from the payment slip and is deposited into the customer account requesting customer account (for example, an e-book or a real account associated with the e-book). An information confirmation unit 1305 for confirming payment information, a settlement processing unit 1310 for processing the confirmed slip and payment for repayment for a predetermined loan paid to the customer by the liquidation processing; and the settlement processing details It may be configured to include an information storage unit 1320 to be stored in the storage medium in association with the customer information.

In addition, the settlement processing server 1300, the payment is approved from a predetermined card company server 1330 and deposited into the sales statement liquidation request customer account (for example, the e-Lo bankbook or the real account associated with the e-Lo Bank account). Deposit processing unit 1315, which deposits a document purchase amount other than the sales slip liquidized in accordance with the present invention among the processed document payment information to be deposited into the customer account (for example, an e-Lo Bank account or a real account linked to the e-Lo Bank account). ) May be further included.

In addition, the settlement processing server 1300 may be configured to further include an information transmission unit for transmitting the settlement processing history information to the customer terminal through a predetermined network means.

The information checking unit 1305 periodically receives predetermined slip payment payment information from at least one card company server 1330, and stores information (eg, a merchant number and an account) included in the received slip payment approval information. Number, etc.), the e-soho account corresponding to the confirmed shop information is confirmed whether or not issued.

In addition, the information checking unit 1305 checks the sales slips liquidation information or sales slips liquidation processing history information stored in a predetermined storage medium (or ledger D / B on the financial system), and from the predetermined card company server 1330 Document payment for the sales slip liquidized in accordance with the present invention among the document purchase payment information that is approved for payment and is deposited into the customer account requesting customer account (e.g., e-Lo Bankbook or real account linked with e-Lo Bankbook). Characterized in that it checks the information, and delivers the information on the purchase amount of the payment for the confirmed liquidated sales slip to the settlement processor (1310).

The settlement processing unit 1310 may settle the document purchase amount for the liquidated processed sales slip confirmed through the information checking unit 1305 as a repayment amount for a predetermined loan paid to the customer by the liquidation process. It is done.

According to an exemplary embodiment of the present invention, the settlement processing unit 1310 may settle payment slips for the liquidated processed sales slips confirmed through the information checking unit 1305 as repayments for the customer loans in real time or periodically. When the settlement processing unit 1310 is periodically settled, the document payment for the securitized sales slip is first deposited into the customer account, but the withdrawal limit for the deposited payment slip is set. The bill payment may be withdrawn from the customer account at a predetermined repayment processing date and settled as repayment for the customer loan.

The information storage unit 1320, when the purchase amount of the payment document for the liquidation process through the settlement processing unit 1310 is settled as a repayment for the customer loan, the details of the settlement processing information to the customer information or customer account (E.g., a real account associated with an e-Lower account or an e-Lower account, etc.) to be processed in association with information and stored in the storage medium (or ledger D / B on the financial system), or the deposit processor 1315 is stored. When the document payment is deposited into the customer account (e.g., the real account associated with the e-book or e-book), the details of the deposit are recorded on the storage medium (or ledger D / B on the financial system). It is characterized by storing in).

According to an exemplary embodiment of the present invention, when the document purchase payment for the liquidated sales slip is settled as a repayment for the customer loan through the settlement processing unit 1310, the information transmission unit may set the settlement processing details. It may be transmitted to the customer terminal (for example, a store owner's wired terminal or a wireless terminal) through a network means.

14 is a diagram illustrating a settlement process according to an embodiment of the present invention.

In more detail, Figure 14 checks the received information on the receipt of the slip when the payment of the slip received by the at least one card company through the settlement processing system shown in FIG. In this case, it is determined whether the purchase amount of the deposit deposited in correspondence with the securitized sales slip, and in the case of the purchase amount of the deposit deposited in correspondence with the securitized sales slip, the deposited slip is paid to the customer by the securitization process. Regarding a method for performing a settlement process for repayment of a predetermined loan, a person having ordinary knowledge in the technical field to which the present invention pertains will refer to or modify the drawing 14, and the above-mentioned deposit slip is recorded. The settlement process is settled as repayment for the predetermined loan paid to the customer by the securitization process. Would be able to infer the various method embodiments, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 14.

Hereinafter, in FIG. 14, the settlement processing server 1300 on the settlement processing system shown in FIG. 13 is referred to as " server 1300 " for convenience, and the customer terminal 1325 on the settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 14, the server 1300 periodically receives payment slip payment approval information from at least one card company server 1330 (1400), reads the received slip payment payment approval information, and stores payment target store information ( For example, merchant information or account information) is checked (1405).

When the shop information payment target shop information is confirmed, the server 1300 is based on the customer ledger information stored in a predetermined storage medium (or ledger D / B on the financial system) target payment deposit deposit target e corresponding to the shop information e Verify the bankbook information (or real account information associated with the e-book) (1410).

Here, when the e-Lounge bank account information corresponding to the deposit payment deposit corresponding to the store information is confirmed from the storage medium (or ledger D / B on the financial system) (1415), the server 1300 is the storage medium (or financial) Checking the sales slips liquidation information or the sales slips liquidation processing history information stored in the ledger D / B on the system, the payment is approved from a predetermined card company server 1330 to request the sales slips liquidation request customer account (for example, e-soho account or Checking the information on the purchase amount of the slip on the sales slip liquidized in accordance with the present invention among the information on the purchase amount of the slip which is processed into the real account associated with the e-book, etc. (1420).

Here, among the slip payment information that is deposited into the sales slip liquidation request customer account (e.g., e-Lo bankbook or real account associated with the e-Lo Bankbook), the slip payment information for the sales slip liquidized in accordance with the present invention If it is confirmed (1425), the server 1300 is settled as a repayment for the predetermined loan payment to the customer by the liquidation process (1430).

On the other hand, among the document purchase payment information that is deposited into the sales document liquidation request customer account (e.g., e-Lo bankbook or real account associated with the e-Lo Bankbook), the document purchase payment for the sales slip liquidized in accordance with the present invention. The information is not confirmed, and the payment information of the slip received from the card company server 1330 is processed and deposited into the sales slip liquidation request customer account (for example, an e-Lo bankbook or a real account associated with the e-Lo Bankbook). In the case of slip purchases other than the sales slips liquidated according to the present invention, the server 1300 deposits the slips into the customer account (eg, an e-Lo bankbook or a real account associated with the e-Lo Bankbook). Can be processed (1435).

As described above, after the settlement slip payment is settled as a repayment amount for a predetermined loan paid to the customer by the securitization process, the server 1300 calculates the settlement processing details of the customer information or a customer account (for example, and the e-Lo Banking Account or the e-Lo Banking Account, etc.) and store the information in the storage medium (1440), and generate settlement information on the settlement process and transmit it to the terminal (1445). ).

According to the present invention, the bank confirms the accounts receivable information managed through the e-SOHO account book (O / A bank account), and provides information on the amount of money available for loan through the account receivables. To the customer, and when the customer requests the receivables securitization through the e-SOHO bank account (O / A bank account) management interface, it is processed one-stop, and the bank receives the amount of the receivables from the credit card company directly from the bank. By the amount settlement process, the revenue generated from small and medium-sized stores and the details of deposits in the bank account are proved as the bank account details, and the credit rating of the store is measured with a simple analysis, and the card settlement liquidity is secured by the credit card sales. The advantage is that credit is possible.

Claims (4)

Registering account information for managing a trade receivable of a predetermined affiliate store in a predetermined information registering means in a predetermined storage medium; Confirming card sales receivable information generated at the affiliated store by interworking with at least one card company server in a predetermined information checking means; Calculating an amount loanable to the affiliated store customer in response to the identified card sales receivable information in a predetermined information calculating means; Providing the calculated loanable amount to the affiliated customer in a predetermined interface providing means, and providing the affiliated customer with a user interface for inputting (or selecting) loan application information for securing the card sales receivable; When a loan request of the affiliated customer is received through the user interface in a predetermined information processing means, performing a loan processing for securing the credit card receivable; And And processing the loan processing details in a predetermined information storage means in association with the affiliated customer information (or account information) and storing the loan processing details in a predetermined storage medium. The method of claim 1, And when the receivable deposit amount corresponding to the card sales receivable is received from the predetermined card company server in the predetermined settlement processing means, processing the loan amount through the deposited receivable amount. Receivables processing method using merchant account. A recording medium having recorded thereon a computer readable program for realizing the method of claim 1 or 2. Information registering means for registering account information for managing sales receivables of a predetermined affiliate store in a predetermined storage medium; Information checking means for confirming card sales receivable information generated at the affiliated store in association with at least one card company server; Information calculating means for calculating an amount loanable to the affiliated store customer in response to the confirmed card sales receivable information; Providing the calculated loanable amount to the merchant customer, and providing a predetermined user interface for the merchant customer to input (or select) at least one loan application information for the loan application secured by the card sales receivable. Interface providing means; Information processing means for performing a loan processing for securing the card sales receivable when the loan application request is received through the user interface; And Receiving processing system using a merchant account, characterized in that it comprises ;; information storage means for processing the loan details in association with the merchant customer information (or account information) to store in a predetermined storage medium.

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