KR20090000798A

KR20090000798A - System and method for payment chain store goods cost and program recording medium

Info

Publication number: KR20090000798A
Application number: KR1020070033162A
Authority: KR
Inventors: 김인권
Original assignee: 주식회사 신한은행
Priority date: 2007-04-04
Filing date: 2007-04-04
Publication date: 2009-01-08

Abstract

A method and a system for paying a product cost for a chain store capable for processing faster than existing chain store does and a recording medium therefore are provided to allow a chain store head office to generally manage and process settlement of each chain store and allow financial institution a attract the chain store and corresponding chain store head office in a client. An account opening server(100) is for opening the chain store account connected to the head office parent account. An interface offer part(110) produces the predetermined user interface and provides the interface to a window terminal. An information receiving part(115) receives the predetermined opening account request information. An information generator(120) produces the predetermined account ledger information corresponding to the chain store account connected to the head office parent account opened to the chain store. An information storage unit(125) links with the account ledger of the finance account and stores the generated account ledger information.

Description

System and Method for Payment Chain Store Goods Cost and Program Recording Medium}

1 is a diagram illustrating an account opening system for opening a chain store account associated with a parent account account according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a structure of an account ledger corresponding to opening a chain store account linked to a main office mother account according to an embodiment of the present invention.

3 is a diagram illustrating a process of opening a chain store account associated with a parent account account according to an exemplary embodiment of the present invention.

FIG. 4 is a diagram illustrating an account opening system for opening a chain store account linked to a main office account according to another embodiment of the present invention.

5 is a view showing the configuration of the account ledger corresponding to the opening of the chain store account linked to the parent company account according to an embodiment of the present invention.

6 is a diagram illustrating a process of opening a chain store account associated with a parent account according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a chain store card issuing system for a payment processing of a chain store according to an exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a card issuing process for processing a payment for a chain store item according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a payment system configuration using a card having a chain store account linked to a chain store main account according to an exemplary embodiment of the present invention as a settlement account.

FIG. 10 is a diagram illustrating a functional configuration of a payment terminal for payment processing using a card having a chain store account linked to a chain store main account according to an embodiment of the present invention as a payment account.

11 is a view showing the operation of the payment terminal according to an embodiment of the present invention.

12 is a diagram illustrating a payment settlement request specialized structure for the processing of payment for a chain store through a card having a merchant account linked to a chain store mother account according to one embodiment of the present invention.

FIG. 13 is a diagram illustrating a chain store payment processing process through a card having a merchant account associated with a chain store mother account as a settlement account according to an exemplary embodiment of the present invention.

100: open account server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

The present invention provides a method for opening a chain store account linked to a chain store main account in a predetermined account opening means for each chain store, and requesting payment for a predetermined amount of goods using a chain store card connected to the chain store account, the predetermined information receiving unit Receiving a payment approval request message including the chain store card information and item item / price information from a terminal device of the terminal device; reading the received payment approval request message in a predetermined information reading means, Reading the included chain store card information and article item / price information, confirming the chain store information and the chain store headquarters information corresponding to the chain store (or the chain store card) in predetermined information checking means, and the predetermined approval processing means Sends the chain store information and item / price information to the identified chain store headquarters, Receiving a request for approval of payment for the goods purchase price and receiving an approval response thereto, and obtaining approval for the goods purchase price by reading an approval response for the goods purchase price in a predetermined payment processing means, It relates to a chain store payment method comprising the step of withdrawing the goods price from the chain store main account, the deposit processing to the chain store account to perform the payment processing for the goods purchase price.

Recently, chain stores that are more efficient in starting up and providing additional services (such as supplying raw materials, developing various menus, and transferring know-how) are increasing.

Such a chain store-type business has advantages such as the ease of start-up and convenient supplementary services.However, in order to purchase certain goods at the chain store, payments for goods purchased that require consultation between the chain store and the chain headquarters must be made. It was a lack of service.

Therefore, it is time for chain stores to perform payments more quickly and smoothly, and it is time for the chain store headquarters to find ways to collectively process and manage payments at each chain store.

An object of the present invention for solving the above problems, the account opening means for opening a chain store account associated with the chain store main account account for each chain store, and a request for payment of a predetermined amount of goods using a chain store card connected to the chain store account, Information receiving means for receiving the payment approval request text including the chain store card information and the item item / price information from a terminal device, and the received payment approval request text for reading, and the chain store card information included in the payment approval request text; And information reading means for reading article item / price information, information checking means for confirming chain store information and chain store headquarters information corresponding to the chain store (or chain store card), and the chain store information and article item to the identified chain store headquarters. Request payment authorization for the purchase price of the goods by sending When the approval processing means for receiving the approval response and the approval response for the purchase price of the article are read, and the approval for the purchase price of the article is obtained, the payment for the article is withdrawn from the mother store account of the chain store, and is transferred to the chain store account. The present invention provides a chain store goods payment system including a payment processing means for performing payment processing for payment of the goods purchase price.

According to the present invention, a method for payment of a chain store item may include: opening a chain store account linked to a chain store main account by a chain store in a predetermined account opening means; and requesting a payment for a predetermined amount of goods using a chain store card connected to the chain store account. Receiving, by a predetermined information receiving means, a payment approval request text including the chain store card information and article item / price information from a predetermined terminal device; and reading the received payment approval request text by a predetermined information reading means. And reading the chain store card information and the item item / price information included in the payment approval request text, and confirming the chain store information and the chain store headquarters information corresponding to the chain store (or the chain store card) by a predetermined information checking means. And the chain store information to the identified chain store head office in a predetermined approval processing means. And transmitting goods item / price information, requesting payment approval for the goods purchase price and receiving an approval response thereto, and reading an approval response for the goods purchase price in a predetermined payment processing means, thereby reading the goods. When obtaining the approval for the purchase price, the withdrawal processing of the goods price from the mother store account of the chain store, the deposit processing to the chain store account characterized in that it comprises the step of performing the payment processing for the purchase price of the goods .

According to the present invention, a method for payment of a chain store item payment is performed by linking the chain store head office mother account information, the chain store account information associated with the chain store head office mother account, and the chain store card information using the chain store account as a settlement account in a predetermined information registration means. And storing the data in a predetermined storage medium.

In the method of payment for a chain store item according to the present invention, the chain store information and the item item / price information are confirmed by a predetermined approval confirmation means, so as to confirm whether the item (or item) is a payable item (or item), or the The method further comprises the step of checking whether the requested price exceeds the limited amount (daily limit amount, limit amount for one company, etc.).

On the other hand, the present invention includes a recording medium characterized in that the program for executing the above-described method for payment of the chain stores goods recorded.

On the other hand, the chain store goods payment system according to the present invention, the account opening means for opening a chain store account linked to the chain store's parent account account for each chain store, and a predetermined store price payment request using a chain store card connected to the chain store account, An information receiving means for receiving a payment approval request message including the chain store card information and item item / price information from a terminal device of the terminal device; and the received chain approval card by reading the received payment approval request message; Information reading means for reading information and item / price information, information checking means for confirming chain store information and chain store headquarters information corresponding to the chain store (or chain store card), and the chain store information and article to the identified chain store headquarters. Send item / price information to request payment approval for the purchase price The approval processing means for receiving an approval response for the article and the approval response for the purchase price of the article are read, and when the approval for the purchase price of the article is obtained, withdrawal of the price of the article from the mother store account of the chain store, It is characterized in that it comprises a payment processing means for performing a payment processing for the goods purchase price by deposit processing to the account.

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.

In more detail, in FIG. 1, when a predetermined chain store operator requests to open a chain store account linked to a main office account through a face-to-face virtual account opening interface, the chain store linked to the main office account of the chain store in the account opening system according to the present invention. A system configuration for opening an account, specifically, the chain store operator visits a financial institution window for opening a chain store account linked to the parent account account, prepares a predetermined account opening application form, and submits it to the window staff. When an employee provides predetermined account opening application information corresponding to the account opening application through a predetermined window terminal to the account opening system according to the method of the present invention, the account opening system is referred to by referring to the account opening application information. Linked to the parent company account account to the chain operator It will be conducted on how to open a chain store accounts.

Persons of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 1 to infer various implementation methods for configuring an account opening system for opening a chain store account linked to the parent account account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, a chain store name corresponding to a chain store account opening target linked to the parent account account based on the account opening application information provided for opening the chain store account through a predetermined account opening interface on the account opening system shown in FIG. Or a component corresponding to at least one means or function configuration of opening an account of a chain store operator name) is referred to as "account opening server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an account opening system for opening a chain store account associated with the parent account account may include a teller terminal used by a teller provided with at least one financial institution. The window terminal is connected to an account opening server 100 provided on the account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the chain store operator visits the financial institution to open a chain store account associated with the parent account and opens the chain store account through a window (or through a cashier) provided at the financial institution. Prepare an application for opening an account (e.g., a document with a form for filling in at least one item of information for opening a chain store account associated with the parent account); or ), And the chain store operator to prepare a predetermined account opening application for opening a chain store account linked to the parent account account), and submit the completed account opening application to the counter staff, and the counter staff Input (or select) the information filled in the account opening application through the terminal And the service area terminal preferably transmits the information of the input (or selected) on the account opening server 100 provided on the account opening system through the financial network.

Here, the teller terminal preferably comprises a terminal used by the teller staff provided in the financial institution, the account opening server 100 is connected to the teller terminal is a bank opening a chain store account linked to the parent account account It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the account opening server 100 is a branch network connecting the communication channel between the teller terminal and the account opening server 100 It is preferable to comprise a.

In the account opening system as described above, the account opening application form prepared by the chain store operator, the teller terminal used by the teller staff, and the financial network connecting the teller terminal and the account opening server 100 are provided by the chain store operator. It performs the function of account opening interface for registering account opening application information for opening a chain store account linked to the parent account.

At the request of the chain store (or chain store operator), a financial institution that opens a chain store account linked to the parent account account may have at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) with at least one financial transaction customer. And a predetermined financial system for providing a service.

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). Provides a face-to-face financial transaction service for at least one financial transaction customer through, the financial transaction service includes a financial transaction service for opening the chain store account through opening and operating a chain store account associated with the parent account account It is preferable to make.

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), Provides a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, the financial transaction service for opening the chain store account through opening and operating a chain store account associated with the parent account account It is desirable to include a service.

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. And a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal), and the financial transaction service opens the chain store account through opening and operating a chain store account linked to the parent account. It is preferable to include a financial transaction service for.

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 Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics, etc., wherein the financial transaction service is linked to the parent account account. Including a financial transaction service for opening a chain store account through opening and operating a chain store account. Be formed is preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. It provides a non-face-to-face financial transaction service, the financial transaction service preferably comprises a financial transaction service for opening the chain store account through the establishment and operation of the chain store account associated with the parent account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS 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 a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service includes a financial transaction service for opening the chain store account through opening and operating a chain store account linked to the parent account. It is preferable to make it.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least through 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 Providing a non-face-to-face financial transaction service to one or more financial transaction customers, the financial transaction service preferably includes a financial transaction service for opening the chain store account through opening and operating a chain store account associated with the parent account. Do.

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 And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., and the financial transaction service opens the chain store account through opening and operating a chain store account linked to the parent account. It is preferable to include a financial transaction service for.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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 open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

Account opening server 100 for opening a chain store account associated with the parent account account provided on the account opening system according to the present invention is a generic term for the components of the account opening system side connected to the window terminal and a predetermined financial network. It may be implemented by including at least one server (or device), 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 method of the present invention, the account opening server 100 for opening a chain store account linked to the parent account account is provided with an interface unit 105 for providing a predetermined account opening interface to the window terminal through the financial network. Characterized in that made.

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

Referring to FIG. 1, when an account opening server 100 for opening a chain store account linked to the parent account account is connected to the account opening server 100 through the interface unit 105, the interface is opened. The interface providing unit 110 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined account opening application information from the teller terminal in cooperation with the unit 105, and provides the teller terminal to the teller terminal. And an information receiving unit 115 for receiving predetermined account opening request information transmitted from the counter terminal through the user interface in connection with the interface unit 105, and the received account opening request. Predetermined account ledger corresponding to the chain store account associated with the head office mother account to be opened to the chain store (or chain store operator) based on the information Information generating unit 120 for generating a beam and information storing the ledger information generated in association with an account ledger of a financial account corresponding to the parent account linked to the head office account in the ledger D / B on the financial system. It is characterized by comprising a storage unit 125.

The interface providing unit 110, when a predetermined window terminal is connected to the account opening server 100 for opening a chain store account linked to the parent account account through the interface unit 105, the functional configuration provided in the window terminal Corresponding to the account opening application information (or select) to generate a predetermined user interface that can be transmitted to the account opening server 100 through the financial network, or extracted from a predetermined database (not shown) And providing the user interface generated (or extracted) in cooperation with the interface unit 105 to the window terminal through the financial network.

Subsequently, the teller terminal inputs (or selects) account opening application information for opening a chain store account linked to the parent account based on the user interface, and sends the input (or selection) account opening application information to the financial network. Through the account opening server 100 is transmitted through.

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

When the information receiving unit 115 inputs (or selects) predetermined account opening application information through the user interface at the window terminal and transmits the information through the financial network, the account opening application is linked with the interface unit 105. Characterized in that it receives the information, and provides the received account opening application information to the information generating unit 120.

According to the implementation method of the present invention, the account opening application information may be the chain store (or chain store operator) the chain store (or chain store operator) information requesting to open a chain store account linked to the parent company account account, the chain store headquarters information, And at least one parent account information of the head office and the chain store contract information of the chain store and the head office.

The chain store (or chain store operator) information may include at least one of chain store name (or brand name), chain store unique number, chain store address, chain store contact information, chain store operator (or representative) information, and the like.

The head office information of the chain store may include a chain store name (or brand name), a chain store (head office) name, address, contact information, business registration number, corporation registration number, and representative who have signed a predetermined chain store contract (or franchise contract) with the chain store operator. And at least one of information and the like.

The mother account information of the chain store headquarters is a chain store account opened through the account opening server, including the account number and account holder information for the chain store headquarters (or business) account previously opened in the ledger D / B on the financial system. Includes the chain store headquarters account number associated with the chain, characterized in that the chain is in accordance with the present invention is a bank account for the withdrawal of the goods for a predetermined item to request payment.

According to the present invention, the price of goods withdrawn from the chain store main account is deposited into the chain store account to be opened, and the price of the goods for the goods through the chain store account is settled.

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

In this case, the validity of the virtual account opening may include checking whether a financial account corresponding to the operator account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. desirable.

The information generating unit 120 generates predetermined account ledger information to be provided in the chain store account opened under the name of the chain store mother account based on the establishment request information received through the information receiving unit 115. The account ledger information is to be included in the mother account information associated with the opened chain store account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account requested by the daily worker). Preferably at least one ledger information, which must be provided for the processing of at least one financial transaction.

If one of ordinary skill in the art of the present invention belongs to at least one ledger information configuration to be included in the account ledger (or the account should be equipped to process at least one or more financial transactions requested by the account). Since it will be understood, detailed description thereof will be omitted for convenience.

When predetermined account ledger information to be included in the chain store account is generated by the information generating unit 120, the information storage unit 125 corresponds to the chain store headquarters mother account provided in the ledger D / B provided on the financial system. Generate a predetermined ledger associated with the ledger and store the generated ledger information in the ledger;

2 is a view showing the configuration of an account ledger corresponding to the opening of a chain store account linked to the head office mother account according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates an account ledger corresponding to a chain store headquarters account provided in the ledger D / B 200 on the financial system for opening a chain store account linked to the parent account in the account opening system shown in FIG. As to the chain ledger configuration to be processed in connection with, if the person of ordinary skill in the technical field to which the present invention belongs, refer to or modify the drawing 2 in the account ledger for opening a chain store account linked to the parent account account Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, an account ledger corresponding to a chain store account opened under the name of the chain store (or a chain store operator) for opening a chain store account linked to the main office account is linked to an account ledger corresponding to the chain store main account. The ledger D / B (200) on the financial system is characterized in that, the account ledger corresponding to the chain store headquarters account is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the chain store headquarters.

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

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

In addition, in this figure 2, the account ledger corresponding to the chain store headquarters account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and other tickets Balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest account It includes account ledger information including at least one of consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, account number corresponding to the account ledger, abstention (monthly), Write down the regular received information including at least one of a period (days), a period extension, an expiration date, and a target amount, or an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares. Trust reception information including one or more, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment corresponding to the ledger Transaction information including at least one bank account line, summary, CIF, and the like.

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

Referring to FIG. 2, the account ledger of the chain store account opened in association with the main office account is associated with the account ledger corresponding to the chain store main office account in a relational manner, and the account ledger information is linked to the account. It handles at least one financial transaction requested by the chain store (or chain store operator) to be included in the chain store head office account information and the account ledger provided in the ledger D / B 200 provided on the financial system. It may include at least one or more ledger information to be provided in order to.

According to an embodiment of the present invention, the account ledger information corresponding to the chain store account opened in connection with the parent company account account may include a mother account number associated with the chain store account. Account number, point number, currency, opening date, account status, account type, account interest rate, account password, bank account balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount It is preferable to include at least one ledger information such as the final payment amount, the number of unpaid account transactions, interest rate account accounting, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation.

Those of ordinary skill in the art to which the present invention pertains, should be familiar with the configuration of at least one ledger information to be included in the merchant account ledger in addition to the account ledger information corresponding to the chain store account that is linked to the above-described parent company account account Since there will be, a detailed description thereof will be omitted for convenience.

In more detail, in FIG. 3, in the account opening system shown in FIG. 1, a predetermined chain store (or chain store operator) is connected to the account opening server through a predetermined account opening interface (eg, an account opening application form, a window terminal, and a financial network). When the account opening application information for opening a chain store account linked to the parent account account is transmitted to 100, the account opening server 100 opens a chain store account linked to the main office account based on the account opening application information. As for the process, one of ordinary skill in the art to which the present invention pertains may refer to various embodiments of opening a chain store account associated with the parent account by referring to or modifying the drawing 3, but the present invention may be inferred. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the following Figure 3, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the account opening server 100 is referred to as "server" for convenience.

Referring to FIG. 3, when a chain store (or a chain store operator) who wants to open a chain store account linked to the parent account book, prepares a predetermined account opening application for opening the chain store account, and submits the prepared account opening application to the counter. In operation 300, the terminal provided at the window provides the account opening application information included in the account opening application to the server through an account opening interface.

Here, the account opening interface preferably comprises an account opening application form created by the chain store (or chain store operator), a window terminal used by the employee of the financial institution, and a financial network connecting the window terminal and the server.

According to an embodiment of the present invention, the account opening application information for opening a chain store account associated with the parent company account is a chain store (or chain store operator) requesting the chain store (or a chain store operator) to open a chain store account linked to the main office account. Information, the head office information of the chain store, the mother account information of the head office, and the chain store contract information of the chain store and the head office.

The mother account information of the chain store headquarters is a chain store account opened through the account opening server, including the account number and account holder information for the chain store headquarters (or business) account previously opened in the ledger D / B on the financial system. Includes the chain store headquarters account number associated with the chain, characterized in that the chain is in accordance with the present invention is a bank account for the goods withdrawal for a predetermined item to request payment.

When the account opening application information for opening a chain store account associated with the parent account account is received through the account opening interface, the server reads the received account opening application information, thereby transmitting the chain store account to the chain store (or chain store operator). It is checked whether the validity can be established (305).

Here, the chain store account validity check includes checking whether a financial account corresponding to the chain store headquarters account information included in the account open application information is opened as a real account in the ledger D / B 200 on the financial system. It can be done by.

If the validity of opening a chain store account linked to the main office account account is not authenticated to the chain store (or chain store operator) through the account opening application information (310), the server stores the chain store through the account opening interface. (Or the chain store operator) provides the chain store account opening error information (315), and stops the operation of opening the chain store account associated with the main office account according to the present embodiment to the chain store (or chain store operator).

On the other hand, if the validity of opening a chain store account linked to the parent account account is authenticated to the chain store (or chain store operator) through the household account opening application information (310), the server stores the chain store based on the account opening application information. In operation 320, account ledger information corresponding to the chain store (or chain store operator) name corresponding to the chain store account to be opened is generated to the chain store operator.

Here, the account ledger information corresponding to the opened chain store account should be included in the head office mother account information associated with the chain store account and the account ledger provided in the ledger D / B 200 provided on the financial system (or The chain store account preferably comprises at least one ledger information that the chain store (or chain store operator) should have in order to process at least one financial transaction requested.

Those of ordinary skill in the art, at least, must be included in the account ledger (or the chain store account must be equipped to process at least one or more financial transactions requested by the chain store (or chain store operator)). Since you will be familiar with the configuration of one or more ledger information, a detailed description thereof will be omitted for convenience.

Thereafter, the server is the account ledger corresponding to the chain store headquarters account account to be associated with the chain store account to be opened to the chain store (or chain store operator) of at least one account ledger provided on the ledger D / B 200 on the financial system Check (325).

If the account ledger corresponding to the chain store headquarters account to be associated with the chain store account to be opened to the chain store (or chain store operator) is identified (330), the server is provided on the ledger D / B (200) on the financial system Create an account ledger in the name of the chain store (or chain store operator) that is linked with the account ledger corresponding to the chain store head office account (335), and the ledger D / B (200) on the financial system corresponding to the chain store headquarters mother account The generated account ledger information is stored in the account ledger generated in association with the account ledger (340).

4 is a diagram illustrating an account opening system for opening a chain store account linked to a parent account account according to another embodiment of the present invention.

More specifically, FIG. 4 shows a predetermined chain store (or chain store operator) requesting to open a chain store account associated with the chain store headquarters account through an account opening interface including at least one non-face-to-face financial transaction channel. A system for opening a chain store account linked to the chain store main account in a closed account opening system. Specifically, the chain store operator opens the account opening interface through a predetermined wired or wireless terminal corresponding to a non-face-to-face financial transaction channel. When the account opening application information for opening a chain store account linked to the parent account account is provided, the chain opening account of the chain store (or chain store operator) name is opened in the account opening system based on the account opening application information. It is about.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 4 to infer various implementation methods for the configuration of an account opening system for opening a chain store account linked to a chain store main account, The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, based on the account opening application information provided from the chain store (or chain store operator) through a predetermined account opening interface on the account opening system shown in FIG. 4, the chain store (or chain store operator) is connected to the chain store mother account. Components corresponding to at least one or more means or functional configurations of opening a chain store account are referred to as " account opening server 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, an account opening system for opening a chain store account linked to the parent account account may include a predetermined chain store when the account opening system supports a non-face-to-face account opening. (Or a chain store operator) comprises a terminal for inputting (or selecting) predetermined account opening application information to the account opening server 400, wherein the terminal includes the account through a predetermined network means. A communication channel is connected to the account opening server 400 provided on the opening system.

According to an exemplary embodiment of the present invention, when the account opening system supports a non-face-to-face account opening, the chain store operator may include at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Access the account opening server 400 through a client terminal, and input account opening application information for opening a chain store account linked to the chain store main account through at least one user interface provided by the account opening server 400. (Or selection), it is preferable to transmit from the client terminal to the account opening server 400 provided on the account opening system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and 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 account opening server 400, and inputs or selects at least one or more information through the user interface to transmit to the account opening server 400. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the account opening server 400) is provided.

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

In the above account opening system, a client terminal including at least one wired terminal or a wireless terminal used by the chain store operator, and at least one wired network or wireless connecting the client terminal and the account opening server 400. The network performs a function of an account opening interface for registering the account opening application information for the chain store to open a chain store account associated with the chain store main account.

According to another exemplary embodiment of the present invention, when the account opening system supports a non-face-to-face account opening, the chain store terminal is automatically connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises an automatic teller machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD), or a public switched telephone network (PSTN), VoIP It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as (Voice over IP) network, or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. It may include, or further comprises a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, The present invention is not limited by this.

In the case of supporting a non-face-to-face chain store account establishment as described above, when the terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the The financial network connecting the account opening server 400 performs a function of an account opening interface for the chain store (or a chain store operator) to register the account opening application information for opening a chain store account linked to the main office account, or When the terminal is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the account opening server 400 is the chain store (or chain store). Account opening interface for the operator to register the account opening application information for opening a chain store account associated with the parent account account The terminal (or server) (not shown) and the terminal (or server) when the terminal is a terminal (or server) (not shown) provided in an institution affiliated with the financial institution. (Not shown) and the network connecting the account opening server 400 of the account opening interface for registering the account opening application information for the chain store (or chain store operator) to open a chain store account linked to the main office account account Perform the function.

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). Provides a face-to-face financial transaction service for at least one financial transaction customer through, the financial transaction service includes a financial transaction service for opening a chain store account linked to the parent account account through the opening and operation of the chain store account; It is preferable to make.

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), Provides a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, the financial transaction service for opening a chain store account linked to the parent account account through opening and operating the chain store account. It is desirable to include a service.

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 financial transaction customer through a laptop or a mobile terminal), and the financial transaction service opens a chain store account linked to the parent account account through the opening and operation of the chain store account. It is preferable to include a financial transaction service for.

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 Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a PDA (Personal Digital Assistant) or a smart phone or telematics. Including a financial transaction service for opening a chain account linked to the parent account through the operation Be formed is preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. It provides a non-face-to-face financial transaction service, the financial transaction service preferably comprises a financial transaction service for opening a chain store account linked to the parent account account through the opening and operation of the chain store account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS 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 a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service includes a financial transaction service for opening a chain store account linked to the parent account account through opening and operating the chain store account. It is preferable to make it.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least through 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 Providing a non-face-to-face financial transaction service to one or more financial transaction customers, the financial transaction service includes a financial transaction service for opening a chain store account linked to the parent account account through opening and operating the chain store account. Do.

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 through a terrestrial DMB terminal, etc., wherein the financial transaction service is used to open an account linked to the parent account through the opening and operation of the chain store account. It is preferable to include a transaction service.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

The account opening server 400 provided on the account opening system according to the present invention is a generic term for the account opening system side components connected to the terminal through a predetermined network means, and includes at least one server (or device). It may be implemented as, or 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 method of the present invention, the account opening server 400 is characterized in that it comprises an interface unit 405 for providing a predetermined account opening interface to the terminal via the network means.

According to an exemplary embodiment of the present invention, when the terminal 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 is defined in the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. have.

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 a predetermined account opening program provided by the account opening server 400 is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. 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 embodiment of the present invention, when the terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 is the client terminal based on a protocol stack defined in the wireless network. And a predetermined communication channel, and may provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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.

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

Referring to FIG. 4, when the predetermined terminal is connected to the account opening server 400 through the interface unit 405, the account opening server 400 works in conjunction with the interface unit 405. An interface providing unit 410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account opening application information to the terminal and interworking with the interface unit 405. Opening the information to the chain store (or chain store operator) based on the information receiving unit 415 for receiving predetermined account opening request information transmitted from the terminal through the user interface (or selected) and the received account opening request information. An information generation unit 420 for generating predetermined account ledger information corresponding to the chain store account to be set, and the sieve associated with the account in the ledger D / B on the financial system; And an information storage unit 425 for storing the generated account ledger information in association with the account ledger of the financial account corresponding to the in-store head office mother account.

The interface providing unit 410 inputs the account opening application information in response to a function configuration provided in the terminal when a predetermined terminal is connected to the account opening server 400 through the interface unit 405. Select) to generate a predetermined user interface which can be transmitted to the account opening server 400 through the network means, or to extract from a predetermined database (not shown), and generate the linkage with the interface unit 405. (Or extracted) the user interface is provided to the terminal through the network means.

Thereafter, the terminal inputs (or selects) the account opening application information based on the user interface, and transmits the input (or selection) account opening application information to the account opening server 400 through the network means. do.

According to an embodiment of the present invention, when the terminal 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 a browser program provided in the client terminal. Alternatively, a predetermined user interface that can be provided to a communication program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 405.

According to another embodiment of the present invention, when the terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 is provided by a browser program or a communication program provided in the client terminal. A predetermined user interface may be generated (or extracted) as possible, and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 405.

When the information receiving unit 415 inputs (or selects) predetermined account opening request information through the user interface through the user interface and transmits the information through the network means, the account opening request information is linked with the interface unit 405. Characterized in that it receives, and provides the received account opening application information to the information generating unit 420.

According to the method of the present invention, the account opening application information is the chain store (or chain store operator) information, the chain store name (or brand name), chain store unique number, chain store address, chain store contact information, chain store operator (or representative) information, etc. Characterized in that it comprises at least one or more.

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

In this case, the account opening validity check may include checking whether a financial account corresponding to the chain store headquarters account information included in the account opening application information is opened as a real account in the ledger D / B on the financial system. Do.

The information generation unit 420 generates predetermined virtual account ledger information to be provided in the payroll dedicated virtual account opened in the name of the daily worker based on the account opening application information received through the information receiving unit 415. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the daily worker And at least one ledger information to be provided for processing at least one or more financial transactions requested.

At least one ledger information that should be included in the account ledger (or virtual account should be provided for processing at least one or more financial transactions requested by the daily worker) if one of ordinary skill in the art belongs to the present invention. Since it will be familiar with the configuration, a detailed description thereof will be omitted for convenience.

When predetermined chain store account ledger information to be included in the chain store account is generated by the information generation unit 420, the information storage unit 425 is stored in the parent store main account account provided in the ledger D / B provided on the financial system. And generating a predetermined account ledger associated with a corresponding account ledger and storing the generated account ledger information in the account ledger.

5 is a view showing the configuration of the account ledger corresponding to the opening of a chain store account linked to the parent account in accordance with an embodiment of the present invention.

In more detail, Fig. 5 is a process of linking with an account ledger corresponding to a chain store headquarters account provided in the ledger D / B on the financial system for opening a chain store account linked to the parent account in the account opening system shown in FIG. As a chain store ledger configuration to be a person having ordinary knowledge in the technical field to which the present invention pertains, various implementations for the construction of a ledger for opening a chain store account linked to the parent account by referring to or modifying the drawing 5 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, an account ledger corresponding to a chain store account opened under the name of the chain store (or a chain store operator) for opening a chain store account linked to the main office account is linked with an account ledger corresponding to the chain store main account. Characterized in the ledger D / B on the financial system, the account ledger corresponding to the chain store headquarters account is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the chain store headquarters.

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

In addition, in this figure 5, the account ledger corresponding to the chain store headquarters account is linked to the customer ledger in a relational form, and account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and other tickets Balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest account It includes account ledger information including at least one of consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, account number corresponding to the account ledger, abstention (monthly), Write down the regular received information including at least one of a period (days), a period extension, an expiration date, and a target amount, or an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares. Trust reception information including one or more, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Referring to FIG. 5, the account ledger of the chain store account opened in association with the main office account is associated with the account ledger corresponding to the chain store main office account in a relational manner, and the account ledger information is linked to the account. Chain store headquarters account information and account ledgers included in the ledger D / B provided on the financial system (or the account must be equipped to process at least one financial transaction requested by the chain store (or chain store operator)). H) At least one ledger information may be included.

According to an embodiment of the present invention, the account ledger information corresponding to the opened chain store account associated with the main office account may include a mother account number associated with the chain store account, and other predetermined accounts similar to the account ledger. Number, point number, currency, opening date, account status, account type, account interest rate, account password, account balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, It is preferable to include at least one ledger information such as the final withdrawal amount, the number of unpaid account transactions, interest rate accounting, whether or not to consolidate, final payment interest, final payment transaction number, individual interest rate reference and the date of final interest calculation.

6 is a diagram illustrating a process of opening a chain store account associated with a parent account account according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, in the account opening system shown in FIG. 4, a predetermined chain store (or chain store operator) includes a client terminal and a network means including at least one predetermined interface (eg, a wired terminal or a wireless terminal). Etc.) when the account opening request information for opening a chain store account linked to the chain store main account is transmitted to the account opening server 400, the chain opening server 400 based on the account opening application information. Regarding the process of opening a chain store account associated with the parent account account, those skilled in the art may infer various implementation methods of opening a chain store account by referring to or modifying the present invention. It will be appreciated that the present invention encompasses all of the inferred implementation methods, as shown in FIG. Indicated is not limited to the exemplary method.

Hereinafter, in FIG. 6, the account opening server 400 shown in FIG. 4 is referred to as a “server” for convenience.

Referring to FIG. 6, in order to open a chain store account associated with the main office account, the chain store operator accesses the server through the network means using the terminal, and opens a predetermined account for opening the chain store account with the server. An interface is requested (600), and correspondingly, the server extracts (or generates) an account opening interface for opening the chain store account and provides the terminal to the terminal (605).

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

The account opening interface may include a predetermined terminal used by the chain store operator for opening the chain store account, network means for connecting the terminal and the server, and inputting predetermined account opening request information from the terminal at the server. It is preferable to include a user interface for transmitting to the server.

According to the method of the present invention, the account opening application information is the chain store (or chain store operator) information, the chain store name (or brand name), chain store unique number, chain store address, chain store contact information, chain store operator (or representative) information And at least one or more thereof.

When the account opening application information is received through the account opening interface, the server may open the chain store account associated with the chain store mother account to the chain store (or chain store operator) by reading the received account opening application information. Check if the validity (615).

If the validity to open a chain store account linked to the main office account account is not authenticated to the chain store (or a chain store operator) through the account opening application information (620), the server stores the chain store through the account opening interface ( Or provide the chain store account error information to the chain store operator (625), and stop the operation of opening the chain store account to the chain store (or chain store operator).

On the other hand, if the validity to open the chain store account is authenticated to the chain store (or chain store operator) through the account opening application information (620), the server is based on the account opening application information to the chain store (or chain store operator) In operation 630, account ledger information of the chain store (or chain store operator) name corresponding to the chain store account to be opened is generated.

Here, the account ledger information is to be included in the mother account information associated with the chain store account and the account ledger provided in the ledger D / B provided on the financial system (or the chain store account is the chain store (or chain store operator)) Preferably at least one ledger information which must be provided to process the requesting at least one financial transaction.

Thereafter, the server checks the account ledger corresponding to the business account to be associated with the payment virtual account to be opened to the daily worker among the at least one account ledger provided on the ledger D / B on the financial system (635).

If the account ledger corresponding to the chain store headquarters mother account to be associated with the chain store account to be opened to the chain store (or chain store operator) is identified (640), the server is the chain store headquarters provided on the ledger D / B on the financial system The account ledger in the name of the chain store (or chain store operator) that is linked to the account ledger corresponding to the mother account is generated (645), and processed in association with the account ledger corresponding to the chain store headquarters mother account in the ledger D / B on the financial system. The generated ledger information is stored in the generated ledger (650).

7 is a view showing a chain store card issuing system for the payment processing of the chain store according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a chain store opened by a predetermined chain store operator under the name of the chain store (or chain store operator) through an account opening system shown in FIG. 1 or 4 to a card issuing system through a predetermined card issuing interface. When the predetermined card issuance application information for card payment processing using the merchant account associated with the parent account as the payment account is provided, the card issuing system is reminded to the chain store (or chain store operator) based on the provided card issuance application information. As a system configuration for issuing a card associated with a chain store account opened under the name of the chain store (or chain store operator) through the account opening system shown in FIG. 1 or 4, the general knowledge in the technical field to which the present invention belongs. If you have an excitation, the price of the chain point by referring to or modifying this figure 7 Various implementation methods for the card issuing system configuration for payment processing may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, a predetermined card is issued to the chain store (or chain store operator) based on the card issue application information provided from the chain store (or chain store operator) through a predetermined card issue interface on the card issue system shown in FIG. Components corresponding to at least one or more means or functional configurations are referred to as " card issuing server 700 " for convenience.

Referring to this figure 7 according to the embodiment of the present invention, through the account opening system shown in Figure 1 or 4, the chain store account linked to the chain store headquarters account account opened in the name of the chain store (or chain store operator) Card issuing system for card payment processing to the account, characterized in that comprises a teller terminal used by the card issuing staff provided at least one or more financial institutions, or the card issuing system is a non-face-to-face card issuance application In the case of supporting the, characterized in that comprises a client terminal including at least one wired terminal or a wireless terminal used by the chain store (or chain store operator), the teller terminal or the client terminal is the card via a predetermined network means On the issuing system DE issuing server 700 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the chain store (or chain store operator) uses a chain store account opened under a chain store (or chain store operator) name as a payment account through the account opening system shown in FIG. A predetermined card issuance application (e.g., at least one for chain store payment processing) visited to the financial institution for processing and through the window provided at the financial institution (or through a card issuing staff) for the chain store payment processing. A document with a form for filling in the above information item) (or the card issuer visits the chain store and asks the chain store operator to prepare a predetermined card issuance application for the chain store payment processing). ), If you submit the completed card issuance application form to the card issuing staff, The de-issuing staff inputs (or selects) the information entered in the card issuance application through a predetermined counter terminal, and the counter terminal transmits the input (or selected) information on the card issuing system through the network means. It is preferable to transmit to the card issuing server 700 provided in.

Here, the window terminal preferably comprises a window terminal used by the card issuing staff provided in the financial institution, the card issuing server 700 connected to the window terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the teller terminal and the card issuing server 700 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 700 It is preferable to comprise).

In the card issuing system as described above, a card issuance application prepared by the chain store (or chain store operator), a window terminal used by the card issuing staff, and a financial network connecting the window terminal and the card issuing server 700. The card issuing application information for the card payment processing for which the chain store (or chain store operator) uses the chain store account opened in the name of the chain store (or chain store operator) through the account opening system shown in FIG. 1 or FIG. Performs the function of the card issuing interface to register the.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the chain store (or chain store operator) is connected to a wired terminal or a predetermined wireless communication network connected to a predetermined wire network. The account issuing system illustrated in FIG. 1 or 4 is connected to the card issuing server 700 through at least one client terminal of a wireless terminal, and through at least one user interface provided by the card issuing server 700. When the card issuance application information for card payment processing using the chain store account opened under the name of the chain store (or chain store operator) as a payment account is inputted through (or selected), the card issuance is issued by the client terminal through a predetermined network means. It is preferable to transmit to the card issuing server 700 provided on the system All.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a Code Division Multiple Access (CDMA) based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, and / or Motorola's DataTAC scheme and / or Or a generic term for all terminal devices connected to Erricson's Mobitex-type 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. (Personal Digital Cellular; PDC) and / or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or Telematics, or the IEEE 802.16x based portable Internet. Connected to a connected mobile Internet terminal or the DataTAC / Mobitex based wireless data communication network. Preferably comprising a wireless data communication terminal including at least one.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 700, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 700. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card issuing server 700, etc.) is provided.

In the card issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the chain store (or a chain store operator), and at least one or more connecting the client terminal and the card issuing server 700. The wired network and / or the wireless network may be a card payment system in which the chain store (or chain store operator) uses a chain store account opened in the name of the chain store (or chain store operator) through the account opening system shown in FIG. 1 or FIG. It performs the function of the card issuing interface for registering the card issuing application information for processing.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 740 is a predetermined financial network (for example, in addition to the teller terminal or the client terminal). Or a financial automatic machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to the financial common network, or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. A terminal (or server) (not shown) further comprising a call terminal (not shown) of or provided in at least one or more institutions affiliated with the financial institution. It may further comprise, and to which the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 740 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( The financial network connecting the card issuing server 700 with the chain store (or chain store operator) is opened under the name of the chain store (or chain store operator) through the account opening system shown in FIG. The card issuing interface for registering card issuing application information for card payment processing using a chain store account as a payment account, or if the card issuing terminal 740 is the call terminal (not shown), the call A wired telephone network or a wireless telephone network connecting a terminal (not shown) and the call terminal (not shown) and the card issuing server 700 operates the chain store (or chain store). A card issuing interface for registering card issuing application information for card payment processing using a chain store account opened as a payment account, or affiliated with the financial institution that is the card issuing terminal 740; If the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuing server 700 is It performs a function of the card issuing interface for registering the card issuing application information for the card payment processing using the chain store account opened under the name of the chain store (or chain store operator).

According to the implementation method of the present invention, the card issuing application information is issued through the card issuing system shown in Figure 7 is issued a card for payment of the chain stores goods (or the account opening system shown in Figure 1 or Figure 4 The chain store (or chain store operator) information corresponding to the chain store account opened in connection with the parent store account account opened through the branch store headquarters, and the name of the chain store (or chain store operator) through the account opening system shown in FIG. It is preferable to include account information corresponding to a chain store account.

Here, the chain store (or chain store operator) information included in the card issuance application information may include a chain store name (or brand name) corresponding to the chain store account opened through the account opening system shown in FIG. A number, a chain store address, a chain store contact information, chain store operator (or representative) information, etc., characterized in that it comprises at least one or more.

The account information included in the card issuance application information includes at least one account number corresponding to a chain store account opened under the name of the chain store (or chain store operator) through the account opening system shown in FIG. 1 or 4. It is preferable to comprise as mentioned above.

The card information D / B 735 provided on the card issuing system according to the present invention provides a predetermined card to the chain store (or chain store operator) based on the card issuing application information provided from the card issuing terminal 740. After issuing, characterized in that the predetermined card information generated in response to the card issuance, the chain store (or chain store operator) information and the chain store account information included in the card issuing application information is stored in a cooperative process.

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

According to another exemplary embodiment of the present invention, the card information D / B 735 is an electronic payment system, or an internet banking system, or a telebanking system, or wireless, provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one banking system of a banking system or a TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 735 performs a predetermined information processing function using the card information, chain store account information, and chain store (or chain store operator) information on the card issuing system. It is preferable to be provided in a predetermined DBMS interoperating with a server (or device) to be performed. In this case, the position where the card information D / B 735 is provided may be variously performed according to the intention of those skilled in the art. The present invention is not limited.

The card issuing server 700 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected with the card issuing terminal 740 through a predetermined network means, and includes at least one server. (Or a device), 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 card issuing server 700 is characterized by comprising an interface unit 705 for providing a predetermined card issuing interface to the card issuing terminal 740 through the network means. .

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

According to another exemplary embodiment of the present invention, when the card issuing terminal 740 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 705 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a web interface (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 700, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 705 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 700, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 7, the card issuing server 700 is interlocked with the interface unit 705 when a predetermined card issuing terminal 740 is connected to the card issuing server 700 via the interface unit 705. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 740 to the card issuing terminal 740. 710 and an information receiving unit 715 for receiving predetermined card issuing application information transmitted from the card issuing terminal 740 via the user interface in connection with the interface unit 705 and transmitting the selected card issuing information. An information generator 725 for generating predetermined card information corresponding to a card to be issued to the chain store (or a chain store operator) based on the received card issuing application information, and a predetermined card issuing device; A card issuing unit 730 for issuing a predetermined card including the card information, card information corresponding to a card issued to the chain store (or chain store operator), chain store account information, and chain store (or chain store operator) information. And an information storage unit 720 which stores the card information in the card information D / B 735.

The interface providing unit 710 corresponds to a functional configuration provided in the card issuing terminal 740 when a predetermined card issuing terminal 740 is connected to the card issuing server 700 through the interface unit 705. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 700 via the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) to the card issuing terminal 740 through the network means in conjunction with the interface unit 705.

Thereafter, the card issuing terminal 740 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. Send to 700.

According to an embodiment of the present invention, when the card issuing terminal 740 is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 710 may be configured as the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705. Do.

According to another exemplary embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

The information receiving unit 715 interoperates with the interface unit 705 when the card issuing terminal 740 inputs (or selects) predetermined card issuing application information through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 725.

According to the method of the present invention, the card issuance application information may be configured to include chain store (or chain store operator) information and account information, and the chain store (or chain store operator) information is described in FIG. 1 or FIG. And at least one chain store name (or brand name), chain store unique number, chain store address, chain store contact information, chain store operator (or representative) information corresponding to the chain store account opened through the illustrated account opening system. do.

The information generating unit 725 generates predetermined card information to be provided in the card to the chain store (or chain store operator) based on the card issuing application information received through the information receiving unit 715. .

Here, the card information is characterized by comprising a predetermined card number.

When the predetermined card information provided in the card is generated by the information generating unit 725, the card issuing unit 730 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the chain store (or chain store operator).

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. In this case, the information generating unit 725 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 730 uses at least one card information through the card issuing device. By writing to the MS track, a predetermined card to be issued to the chain store (or chain store operator) is issued.

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 725 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 730 sends the card information through the card issuing device to the memory of the IC chip. By writing to the card, a predetermined card to be issued to the chain store (or chain store operator) is issued.

The card manufactured as described above is provided to the chain store (or chain store operator) or delivered to the chain store (or chain store operator) according to a predetermined card providing procedure, after which the chain store (or chain store operator) Accordingly, the issued card is used to process the payment for the goods of the chain store.

Thereafter, the information storage unit 720 stores the card information generated through the information generation unit 725 and the card issuance application information received from the chain store (or the chain store operator) through the information receiving unit 715. The chain store account information and chain store (or chain store operator) information included are stored in the card information D / B 735.

In more detail, in FIG. 8, in the card issuing system shown in FIG. 7, a predetermined chain store (or chain store operator) has a predetermined card issuing interface (e.g., a card issuance application, a counter terminal and a network means, or a wired terminal or a wireless terminal). Through the account opening system shown in FIG. 1 or FIG. 4 to the card issuing server 700 through the card issuing server 700 via a client terminal and a network means including at least one or more chain stores (or chain store operators). When the predetermined card issuance application information for card payment processing using the account opened under the name as a payment account is provided, the card issuance server 700 sends the chain issuance (or chain store operator) based on the provided card issuance application information. Opened in the name of the chain store (or chain store operator) through the account opening system shown in FIG. As a process for issuing a card associated with a left, a person having ordinary skill in the art to which the present invention pertains may infer various implementation methods for issuing the card for payment processing by referring to or modifying this drawing. It should be noted that the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in FIG. 8, after the card is manufactured and provided (or shipped) to the chain store (or chain store operator), the card information D / B 735 specifies card information, chain store account information, and chain store (or chain store). Although it is illustrated and described as storing information, the process of storing predetermined card information, chain store account information, and chain store (or chain store operator) information in the card information D / B 735 according to the intention of a person skilled in the art is the card. It may be performed before manufacturing, or after the card is manufactured, but before being provided (or shipped) to the chain store (or chain store operator), whereby the present invention is not limited thereto.

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

Referring to FIG. 8, in order to receive the card for the chain store payment processing, the chain store (or the chain store operator) prepares a predetermined card issuing application application including predetermined card issuing application information through a predetermined card issuing interface. Or, if the card issuing system shown in FIG. 7 supports a non-face-to-face card issuing application, the chain store (or chain store operator) inputs (or selects) predetermined card issuing application information through a predetermined client terminal. Thereafter, the card issuing application information is provided to the server through a predetermined card issuing interface (800).

Here, the card issuance interface preferably comprises a card issuance application made by the chain store (or chain store operator), a window terminal used by the employee of the financial institution, and network means for connecting the window terminal and the server. If the card issuing system supports a non-face-to-face card issuing application, the card issuing interface includes a predetermined client terminal used at the chain store (or chain store operator) and network means for connecting the client terminal and the server. It is preferable.

The card issuing application information provided to the server through the card issuing interface may include chain store (or chain store operator) information and account information, wherein the chain store (or chain store operator) information is the drawing. At least one chain store name (or brand name), chain store unique number, chain store address, chain store contact information, chain store operator (or representative) information corresponding to the chain store account opened through the account opening system shown in FIG. Characterized in that made.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether it is possible to issue the card to the chain store (or chain store operator) ( 805).

Here, the card issuance validity confirmation is the chain store (or chain store) through the account opening system shown in FIG. 1 or FIG. 4 based on chain store (or chain store operator) information and chain store account information included in the card issue application information. It is preferable to include a check to the operator) whether a chain store account corresponding to the account information is opened.

If the validity to issue the card to the chain store (or chain store operator) is not authenticated through the card issuing application information (810), the server sends a card to the chain store (or chain store operator) through the card issue interface. Provides issuance error information (815) and stops issuing the card to the chain store (or chain store operator).

If the validity to issue the card to the chain store (or chain store operator) is authenticated through the card issuing application information (810), the server may issue the chain store (or chain store operator) to the chain store based on the card issue application information. Predetermined card information corresponding to the card is generated (820).

The card information may include a predetermined card number. If the card is an MS card according to an exemplary embodiment of the present invention, the generated card information may include at least one MS provided in the MS card. It is preferable to include a data structure that can be recorded on a track.

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

Thereafter, the server generates a predetermined card having the card information through a predetermined card issuing device and provides (or delivers) the card to the chain store (or a chain store operator) (825).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to comprise a.

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

Subsequently, the server associates the generated chain information with the chain store account information and the chain store (or chain store operator) information provided from the chain store (or chain store operator) through the card issuing interface, thereby providing predetermined card information D / B. And store at 735 (830).

According to an embodiment of the present invention, the card information D / B 735 is provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), or issuing the card. Preferably, the system is provided in a predetermined DBMS linked to a server (or device) that performs a predetermined information processing function using the card information, chain store account information, and chain store (or chain store operator) information on the system.

In more detail, in FIG. 9, a chain store card is issued through a card issuing system shown in FIG. 7, wherein the chain store card is used as a payment account for a chain store account linked to the parent account account opened through the account opening process of FIG. After that, as a payment system configuration characterized in that performing the payment processing for the chain store using the issued card, those skilled in the art to which the present invention belongs, reference or modification It can be inferred from the various implementation methods for the payment system configuration using a card with a chain account account opened in connection with the chain store main account, the present invention is made including all the inferred implementation method, The technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains refers to chain store account information associated with a chain store headquarters account opened through the above-described FIG. 1 or FIG. Card information using the chain store account issued through the illustrated card issuing system as a payment account is provided in the ledger D / B on the financial system, or in a predetermined database linked to the ledger D / B, or a predetermined storage medium. It will be possible to infer various implementation methods stored in the present invention, and the present invention includes all implementation methods inferred.

Referring to FIG. 9, a payment system using a card using the chain store account as a payment account may settle a chain store account opened under the name of the chain store (or chain store operator) through an account opening system shown in FIG. 1 or FIG. 4. A payment terminal that performs the payment process for the chain store goods through the card issued to the chain store (or chain store operator) through the card issuing system shown in FIG. 7 as an account, and a payment settlement request transmitted from the payment terminal. Receives the full text, reads the payment approval request full text, and checks the payment approval request chain store information, the payment approval item information, and the payment approval amount information included in the full payment approval request message; Recall payment request chain store information, payment approval item information, payment approval amount information When transmitting to the branch office headquarters server, when the authorization response information for the payment processing is received from the chain store headquarters server, the chain store headquarters mother account information associated with the chain store account, which is the payment account of the card, is checked to confirm the chain store headquarters. Withdrawal of the payment from the mother account, the deposit processing to the chain store account, the payment server 900 to perform the payment processing through the chain store account in which the payment was deposited, and from the payment server 900 And a chain store head office server for receiving the payment approval request chain store information, the payment settlement item information, and the payment approval amount information, and transmitting the payment approval approval response thereto to the payment server 900. It is done.

In addition, the payment system, the chain store account information associated with the chain store headquarters account account opened through the drawing 1 or 4, and the card using the chain store account issued through the card issuing system shown in Figure 7 as a payment account It is characterized in that it is associated with a financial system having information.

And a financial system having a virtual account opened in the name of the customer through the payment system shown in FIGS. 1 and / or 4 and payment means information corresponding to at least one customer payment means issued to the customer. The detailed description of the financial system will be described with reference to FIGS. 1, 4, or 7, and detailed description of the financial system will be omitted for the sake of convenience.

The payment terminal includes a CAT (Credit Authorization Terminal) and / or a Point of Sales (POS) terminal or a financial automation device that processes payment using a card that uses a merchant account linked to the chain store's account as a payment account. Characterized in that it comprises at least one, the payment terminal connects the payment server 900 and the predetermined payment network through a predetermined network (for example, financial common network, VAN (Value Added Network), etc.). .

According to one embodiment of the present invention, the payment terminal reads predetermined card information from the card through a predetermined card reader in a payment process of the chain store, and predetermined payment information through a predetermined key input device. (Or check the payment price information through a barcode reader (or RFID reader)), and generate a full payment authorization request message including the card information and payment information to the payment server 900 through the network It is desirable to transmit.

In the technical field to which the present invention pertains, a network including a payment terminal and a VAN or a financial cooperative network that processes payments using a card using a merchant account linked to the chain store's mother account as a payment account. Since it will be familiar with the detailed technical features, the detailed description thereof will be omitted for convenience.

Referring to FIG. 9 according to an exemplary embodiment of the present invention, the payment server 900 may include a card information and a payment price information from the payment terminal through the network (eg, a financial common network or a VAN). When the payment approval request message is received through the professional receiving unit 905 and the professional receiving unit 905, which receives the payment approval request text, the received payment approval request text is read and the payment approval request text is received. The payment information is authorized in connection with the storage device 940 and a specialized reading unit 910 for confirming card information, payment price information, payment target item information, and payment terminal (or chain store) unique information included therein. An information checking unit 920 for checking chain store information and chain store headquarters information corresponding to the payment terminal (or chain store) unique information included in the request message; According to the information transmission unit 930 for transmitting the payment approval request chain store information, payment price information, payment target goods information to the chain store headquarters server, and performs the approval request for the payment, and the chain store An approval response to the payment is received from the head office server, and the information receiving unit 935 for transmitting the received payment approval response information to the payment processing unit 925 and from the chain store according to the payment approval response information. It includes a payment processing unit 925 for performing the requested payment processing, and a professional transmission unit 915 for generating a payment approval response message including the payment processing history and transmits to the payment terminal. It is done.

The specialized receiving unit 905 is a card information corresponding to the card, payment information to be processed through the card from the payment terminal that supports the payment of goods through the network, and the payment target goods (or items) ) And the full payment approval request message including the unique information of the payment terminal (or chain store).

A price including the card information, payment information to be processed through the card, the payment target item (or item) information, and the payment terminal (or chain store) unique information through the specialized receiving unit 905. When the payment approval request text is received, the text reader 910 reads the received payment approval request text, the card information included in the payment approval request text, and payment to be processed through the card. It is characterized in that the payment information, the item (or item) payment target information and the payment terminal (or chain store) unique information is confirmed.

The information checking unit 920 may include a storage medium 940 provided in the payment server 900, a predetermined storage medium 940 linked with the payment server 900, or the payment server 900. With reference to the ledger D / B on the linked financial system, the chain store information and the chain store headquarters information corresponding to the card information is confirmed.

In addition, according to the embodiment of the present invention, the information check unit 920, the storage medium 940 provided in the payment server 900, or a predetermined storage medium 940 to interlock with the payment server 900. Or, with reference to the ledger D / B on the financial system associated with the payment server 900, to confirm the chain store information and the chain store headquarters information corresponding to the payment terminal (or chain store) unique information. .

In addition, according to the embodiment of the present invention, the information check unit 920, the storage medium 940 provided in the payment server 900, or a predetermined storage medium 940 to interlock with the payment server 900. ), Or with reference to the ledger D / B on the financial system associated with the payment server 900, to check the payment account information (eg, chain store account information) corresponding to the card information.

In addition, according to the embodiment of the present invention, the information check unit 920, the storage medium 940 provided in the payment server 900, or a predetermined storage medium 940 to interlock with the payment server 900. Or, with reference to the ledger D / B on the financial system associated with the payment server 900, check the chain store headquarters account information associated with the payment account information (for example, chain store account information).

The information transmission unit 930 checks the chain store headquarters information and the chain store headquarters information corresponding to the card information included in the full payment approval request request message through the information verification unit 920, and checks the chain store headquarters server. The payment price information, the payment target goods (or items) information, and payment request chain store information is characterized in that for transmitting.

In addition, according to the embodiment of the present invention, the information transmission unit 930, through the information confirmation unit 920, the chain store corresponding to the unique information payment terminal (or chain stores) included in the full payment approval request request When the information and the chain store headquarters information are confirmed, the payment price information, the payment target item (or item) information, and the payment request chain store information are transmitted to the identified chain store headquarters server.

The information receiving unit 935 transmits the payment price information, the payment target item (or item) information, and the payment request chain store information to the chain store head office server through the information transmitting unit 930, and then the chain store. And receiving a payment approval response for the payment request of the chain store from the head office server, and the received payment approval response information is transmitted to the payment processing unit 925.

The payment processing unit 925 receives a payment approval response for the payment request of the chain store from the chain store headquarters server through the information receiving unit 935 and transmits the received payment approval response according to the received payment approval response details. Characterized in that the payment processing for the requested payment.

According to the exemplary embodiment of the present invention, when the payment approval response for the payment request of the chain store transmitted from the chain store headquarters server is impossible to approve the payment, the payment processing unit 925 may request the payment for the goods price requested from the chain store. If the payment approval response to the payment request of the chain store transmitted from the chain store headquarters server is possible, the payment processing unit 925 withdraws the payment amount from the mother store account of the chain store headquarters. And depositing the withdrawn payment into the chain store account, and then processing the payment from the chain store account.

Thereafter, when the payment processing corresponding to the payment request requested by the chain store is performed, the specialized transmission unit 915 generates a payment approval response message including the payment processing details and transmits the message to the payment terminal. It features.

Referring to FIG. 9, the chain store headquarters server may provide payment price information, payment target goods (or items) information, and payment request chain store information for a payment request requested from the chain store from the payment server 900. Receiving information receiving unit 950, the received payment information, the payment object (or item) information, the information confirmation unit 955 for confirming the payment request chain store information, and approval for the payment request And an information storage unit 965 for transmitting the response information and an information storage unit 960 for storing the payment request information and the approval information.

Here, the information checking unit 955, by checking the information (or items) requested for payment, characterized in that to check whether the goods (or items) is a payable goods (or items).

In addition, the information check unit 955 checks the payment request amount information, and checks whether the payment request amount exceeds a limited amount (eg, daily limit amount, limit amount for one company, etc.). It is done.

The information storage unit 960 stores the payment request chain store information, the payment request item (or item) information, and the payment information in association with each other and stores them in the storage medium.

The information storage unit 960 further includes the payment date and time information and stores the information on the storage medium.

FIG. 10 is a diagram illustrating a functional configuration of a payment terminal for payment processing using a card having a chain store account linked to a mother store account of a chain store according to an embodiment of the present invention as a payment account.

In more detail, FIG. 10 shows the card information and the payment item when paying for the chain store goods using a card issued using a chain store account linked to the chain store main account through the card issuing system shown in FIG. Or item) configuration of a payment terminal for generating and processing a payment approval request full text including information, payment price information, and payment settlement terminal (or chain store) unique information, which is common knowledge in the technical field to which the present invention belongs. If the person having the present invention can be inferred from various examples of the configuration of the payment terminal function for the payment processing through the card by referring to or modifying the present figure 10, the present invention includes all the implementation methods inferred The technical features are not limited only to the implementation method illustrated in FIG. 10.

For example, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 10 to provide a Credit Authorization Terminal (CAT), a Point of Sale (POS) terminal, or a financial automation device ( For example, a cash automatic teller machine (ATM), a cash dispenser (CD), or a payment terminal equipped with at least one or more wired or wireless terminals, and / or a card reader, or a card reader. A method of applying the functional configuration of the payment terminal shown in FIG. 10 may be inferred to a payment home appliance equipped with a payment, and the functional configuration of the payment terminal shown in FIG. 10 is limited to a specific terminal device. Not.

Referring to FIG. 10, a payment terminal for processing a product payment through a card having a merchant account associated with the chain store mother account as a payment account is basically a control unit 1005, a memory unit 1045, and a card interface 1000. And a key input unit 1015, a screen output unit 1010, a communication unit 1025, a security application module 1030, a print output unit 1035, and a power supply unit 1020 for supplying power to a payment terminal. Can be.

The control unit 1005 controls the overall operation of the payment terminal in the functional configuration, manages the flow of information or data between each component, the chain store goods through a card using a merchant account associated with the chain store account as a payment account Characterized in that the components provided in the payment terminal for the payment processing, characterized in that at least one processor and execution memory (for example, including a Central Processing Unit (CPU) / Micro Processing Unit (MPU)) Register and / or random access memory (RAM) and a bus (BUS) for inputting and outputting predetermined data, and from a predetermined recording medium for performing a function specific to a payment terminal in software. A predetermined program routine that is loaded into the execution memory and A predetermined program recorded on a recording medium provided in a payment terminal for processing a payment for a chain store item through a card having a merchant account associated with the chain store mother account as a settlement account; The control unit 1005 is provided with a component that can be processed in software among the functional components provided in the payment terminal for the payment process for the chain store goods through a card having a merchant account linked to the chain store mother account. Shown).

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

The memory unit 1045 is a predetermined program routine (or code) or program data (for example, information or data input and output when an operation by the program routine (or code) is performed to control the overall operation of the payment terminal). A general term of non-volatile memory for storing the data, including at least one storage means including an electrically erasable and programmable read only memory (EEPROM) and / or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the controller 1005 to perform a predetermined control function. It is done.

According to a preferred embodiment of the present invention, the memory unit 1045 preferably stores at least one or more specialized inclusion information for payment of goods through a card using a merchant account associated with the chain store mother account as a payment account. The full text inclusion information may include the payment terminal information (eg, CAT_ID information, or chain store unique information (unique ID, etc.)).

The card interface 1000 may provide an interface for reading at least one or more information or data included in a predetermined card in order to realize a chain store payment processing through a card having a merchant account linked to the chain store mother account as a payment account. And an MS interface providing an interface between the magnetic stripe (MS) card and the payment terminal based on the ISO / IEC 7810 standard, and / or a contact IC card based on the ISO / IEC 7816 standard. The payment terminal comprises a contact IC interface providing an interface, and / or a contactless IC interface providing an interface between the contactless IC card and the payment terminal based on the ISO / IEC 14443 standard.

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

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

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

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

According to the method of the present invention, the key input unit 1015 is a key input means for receiving a predetermined amount of payment information for the processing of payment for the chain store goods through a card using the merchant account associated with the chain store mother account as a payment account; It is desirable to perform the function.

The screen output unit 1010 is the control unit 1005 in the process of the payment terminal performs a predetermined function (e.g., chain store goods payment processing function through the card of the merchant account associated with the chain store mother account as the payment account). Output at least one information or data which is predefined or is defined in real time to be output to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT) by using a predefined screen interface. The information or data predefined to be output on the screen from the payment terminal, the key data input through the key input unit 1015, or a component provided in the payment terminal Information (or data) stored or generated by the information, or information (or data) transmitted or received through the communication unit 1025, It may comprise the information (or data) corresponding to a predetermined operation performed on the result to the payment terminal over at least one.

According to a preferred embodiment of the present invention, the screen output unit 1010 is a function of the screen output means for outputting a payment screen for processing the merchant goods payment through the card with a merchant account associated with the chain store mother account as a payment account It is preferable to carry out.

The communication unit 1025 is a terminal (or server) on the network in the process of the payment terminal performs a predetermined function (e.g., chain store goods payment processing function through a card having a merchant account linked to the chain store mother account as a payment account). Or predetermined communication means for connecting a communication session with a terminal (or device) connected to the payment terminal through a predetermined cable or a terminal (or device) connected to the payment terminal through a predetermined short-range wireless communication. And a communication session with a predetermined terminal (or device) through a network communication unit 1025 or a predetermined cable communication port for connecting a predetermined communication channel with a payment server 900 on a wired or wireless network. A predetermined short range communication terminal through a cable communication unit 1025 or at least one short range wireless communication unit for connection. (Or a device) and a short range wireless communication unit 1025 for connecting a predetermined communication session, and comprises a communication protocol or driver for connecting the communication channel (or communication session) in software.

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

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

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

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

According to an embodiment of the present invention, when the local area terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader, the local area wireless communication unit 1025 is at least one from the local area terminal (or device). It is preferable to receive the above purchase goods (or items) information and the payment amount corresponding to the purchased goods (or items).

The secure application module (1030) is a confidentiality (Authentication) or authentication (Integrity) required by the payment terminal to perform the electronic payment or electronic payment using the card. Or a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the payment terminal without using an authentication server (or payment server 900) on the network. Encrypt or decrypt certain messages (information or data) processed in the course of the payment terminal performing a predetermined security request function (e.g., electronic payment or electronic payment function), and prevent forgery (or tampering) of the messages. Adds an authenticator or stores important information important in performing the security request function. Characterized in that for performing.

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

The security application module 1030 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the payment terminal to perform a predetermined security request function. Key (e.g. one master key and at least one application key) or protocol (e.g. transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition Protocols, mode switch protocols, key download protocols, SAM discard protocols) and / or commands (e.g., at least one read / authentication / transfer / registration / set / mode switch / gather / delete / discard / initialize / reprocess / cancel commands) It is preferable to comprise a).

The print output unit 1035 is generated as a result of or in the process of the payment terminal performing a predetermined function (for example, a chain store payment processing function through a card having a merchant account linked to the chain store mother account as a payment account). And outputting predetermined information or data (for example, item payment processing result information or data) to a predetermined printing apparatus 1040 (for example, a receipt printer), and printing information or data in accordance with a predefined printing form. And a printing protocol and a driver for printing data through the printing apparatus 1040.

Referring to FIG. 10, a payment terminal for processing a payment for a chain store item through a card having a merchant account linked to the chain store mother account as shown in FIG. 7 in conjunction with the card interface 1000 is provided. A card reader unit 1050 for reading card information from a card issued to the chain store (or a chain store operator) through the issued card issuing system, the purchase price information of goods to be purchased at the chain store, and the goods (or items) to be purchased at the chain store. An information input unit 1055 for receiving an input, a full text generation unit 1060 for generating a full payment approval request message including the card information, the purchase price information and the purchased goods information, and the generated payment approval request Professional transmission unit for transmitting the full text to the payment server 900 through the payment network in connection with the communication unit 1025 (network communication unit) (1) 065), and receives and outputs a payment approval response message corresponding to the payment approval request message from the payment server 900 through the payment network in connection with the communication unit 1025. It is characterized by comprising a specialized processing unit 1070.

If the card using a merchant account associated with the chain store account as a payment account is a predetermined MS card, the card reader unit 1050 recognizes the card through the card interface 1000 (eg, the MS interface). The card issuing system shown in FIG. 7 is characterized in that reading predetermined card information (for example, card number, etc.) from the MS provided in the card issued to the chain store (or chain store operator).

If the card using the merchant account associated with the chain store account as a payment account is a predetermined IC card, the card reader unit 1050 recognizes the card through the card interface 1000 (eg, a contact IC interface). In response to the key input unit 1015, a PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 1015 to enter the IC through the card interface 1000). A procedure of verifying confidentiality, authentication, integrity, and nonrepudiation of the IC card by transmitting to the card), and if the IC card validity is authenticated, Characterized by the predetermined card information from the IC chip provided in the card issued to the chain store (or chain store operator) through the illustrated card issuing system.

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

The information input unit 1055 is connected to the key input unit 1015, characterized in that for receiving the purchase price information and purchase goods (or items) information to be processed for payment through the card.

According to an exemplary embodiment of the present invention, a payment amount is input in association with the key input unit 1015, or at least one or more purchased items (or items) through the cable communication unit 1025 or the near field communication unit 1025. The payment amount may be input.

When predetermined card information is read through the card reader unit 1050 and purchase price information and purchase item (or item) information to be paid is input through the information input unit 1055, the full text generation unit 1060 may be used. May include the card information, purchase goods price information to be settled, purchase goods (or items) information, and at least one or more specialized inclusion information stored in the memory unit 1045 (for example, information about a payment device and information unique to a chain store). Create a full payment approval request.

When the payment approval request full text is generated, the specialized transmission unit 1065 connects the generated payment approval request full text to the communication unit 1025 (network communication unit) in connection with the communication unit 1025 (network communication unit). It is characterized in that for transmitting to the payment server 900 corresponding to the chain store (or chain store) card information through a payment network.

Thereafter, the professional processing unit 1070 is connected with the communication unit 1025 (network communication unit) whether the payment approval response response message corresponding to the full payment approval request message is received from the payment server 900 through the payment network. And if the payment approval response message corresponding to the full payment approval request message is received from the payment server 900 through the payment network, the screen displays the details of payment processing included in the full payment approval response message. It outputs through the unit 1010 or prints through the print output unit 1035.

In more detail, FIG. 11 shows the card information and the payment product when the payment is made for the chain store goods using a card issued using a chain store account linked to the chain store main account through the card issue system shown in FIG. Or item) The operation of the payment terminal to generate and process the payment approval request message including the information, payment price information and payment terminal (or chain stores) unique information, which is usually in the technical field to which the present invention belongs. Those skilled in the art will be able to infer various implementation methods for the operation of the payment terminal for the payment processing through the card by referring to or modifying the drawing 11, but the present invention is all inferred implementation method It is made, including, and the technical features are not limited only to the implementation method shown in FIG. All.

Referring to FIG. 11, the payment terminal shown in FIG. 10 is shown in FIG. 7 through a predetermined card reader for payment processing of a chain store article through a card having a merchant account linked to the chain store mother account as a payment account. The card information issued to the chain store (or chain store operator) is read through the issued card issue system (1100).

According to an embodiment of the present invention, when the card using the merchant account associated with the chain store account as a payment account is a predetermined MS card, the payment terminal receives the card through a predetermined card reader. It is preferable to read predetermined card information from the MS provided in the card issued to the chain store (or chain store operator) through the card issuing system shown in FIG.

According to another exemplary embodiment of the present invention, when the card using a merchant account linked to the chain store mother account as a predetermined IC card is the predetermined IC card, the payment terminal receives the card through the card reader. A PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 1015) in association with a predetermined key input means provided in the terminal. Transmitting to an IC card to verify confidentiality, authentication, integrity, and nonrepudiation of the IC card, and when the validity of the IC card is authenticated, FIG. Read predetermined card information from the IC chip provided in the card issued to the chain store (or chain store operator) through the card issuing system shown in It is desirable.

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

Thereafter, the terminal checks whether the item price information and the purchased item (or item) information for payment processing are input through a card using a merchant account associated with the chain store mother account in connection with the key input unit 1015 ( 1105).

According to the method of the present invention, the payment terminal can check whether a predetermined item payment amount and purchase item (or item) information are input through a predetermined key input means.

Alternatively, the payment terminal may check whether at least one item of purchase (or item) information and a corresponding payment amount are input through a predetermined barcode reader (or RFID reader).

If the purchased goods (or items) information and the payment amount is confirmed (1110), the payment terminal is the card information, the payment amount and the purchased goods (or items) information and the payment as shown in FIG. In operation 1115, a payment settlement request request text including at least one full text including information stored in a memory of a payment terminal is generated.

If the payment approval request full text is generated (1120), the payment terminal transmits the created payment approval request full text to a payment server 900 corresponding to the card through a predetermined payment network (1125). .

According to an embodiment of the present invention, the payment terminal may transmit the full payment approval request message to the payment server 900 corresponding to the card information through a payment network including a value added network (VAN).

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

If the full payment approval response message is received through the payment network (1135), the payment terminal is the payment processing details (eg, payment approval details or payment error details) included in the received payment approval response message; The output through the screen output means, or through the predetermined printing device 1040 (1140).

FIG. 12 is a diagram illustrating a specialized payment request request structure for payment processing for a chain store through a card having a merchant account linked to a chain store mother account according to an embodiment of the present invention.

In more detail, Figure 12 is a payment approval request generated in the payment terminal shown in Figure 10 for a chain store payment processing through the card with a merchant account linked to the chain store mother account as a payment account, the structure of the special payment request, Specifically, as the card is a check card or credit card for the payment approval request professional structure, and those of ordinary skill in the art to which the present invention belongs, those skilled in the art by referring to or modifying this figure 12 According to the intention, it is possible to infer various payment approval request specialized structures for the case where the card is a debit card or a prepaid card, but the present invention includes all the implementation methods inferred, and the payment approval request specialized structure It is by no means limited to the one illustrated in FIG. 12.

Referring to FIG. 12, the payment approval request full text structure includes at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And after the terminating character, further comprising a checksum (CRC-CCITT) for the specialized information.

The payment approval request text may include a transaction classification item related to the credit card (or check card, prepaid card, etc.) payment, a Terminal_ID item for the payment terminal, a POS Entry Mode item, and the payment terminal. It includes a TRACK II Data item corresponding to the card information read from the card issued to the customer through the card issuing system shown in Figure 7 through the card reader, after a predetermined FS (File Separator, 0X1C) It includes an installment month item and a payment amount item corresponding to the payment information, and may also include a working key index item, a password item, a product code item, and a document serial number item.

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

Referring to FIG. 12 according to an embodiment of the present invention, transaction classification information including any one of an “approval request” or “cancellation of approval” is included in the transaction classification item of the payment approval request full text, which is the FIG. 7. Through the card issuing system shown in Figure 10 shows the transaction classification for the chain store payment processing through the card issued under the name of the chain store (or chain store operator).

According to the method of the present invention, the TRACK II Data item corresponding to the card information read from the card issued to the chain store (or chain store operator) in the full payment authorization request message, if the card is an MS card, It is preferable to include the card information obtained from the PAN (Primary Account Number) area of the TRACK II of the MS card and the Additional Data (AD) or Discretionary Data (DD) area, or when the card is an IC card, the IC card It is preferable that the card information obtained from the storage information provided in the.

In addition, the payment amount item in the full payment approval request message, the card in the chain store payment process through the card issued in the name of the chain store (or chain store operator) through the card issuing system shown in Figure 7 It is preferable to include an amount corresponding to the price information of goods to be processed through the payment.

FIG. 13 is a diagram illustrating a chain store payment processing process through a card having a merchant account associated with a chain store mother account as a settlement account according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates the payment of the chain store goods using a card issued by using a chain store account linked to the chain store main account through the card issuing system shown in FIG. After the payment approval request text including the card information, the payment item (or item) information, the payment price information, and the payment terminal (or chain store) unique information is generated from the payment terminal and transmitted to the payment server on the network, Regarding the implementation method for performing the chain store goods purchase payment processing process in accordance with the full payment approval request in the payment server, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 13 Payment section for chain items using a card whose merchant account is linked to the chain store's mother account Various embodiments of the present invention may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the payment terminal on the payment system shown in FIG. 9 is referred to as a "terminal" for convenience, and the payment server 900 on the payment system shown in FIG. 9 is called "server" for convenience. A network including a VAN or a financial common network that connects a payment terminal and a payment server 900 to communication is referred to as a "payment network" for convenience.

Referring to FIG. 13, through the operation process illustrated in FIG. 11, the terminal includes payment information including card information, payment item (or item) information, payment price information, and payment terminal (or chain store) unique information. After generating and transmitting the approval request message, the server receives the payment approval request message through a predetermined payment network (1300), reads the received payment approval request message, and reads the payment approval request message. The card information, the payment item (or item) information, the payment information and the payment terminal (or chain store) unique information included in the check (1305).

The server refers to the storage medium 940 provided in the server, a predetermined storage medium 940 linked with the server, or a ledger D / B on a financial system linked with the server. The chain store account information and the chain store headquarters information corresponding to the card information are checked (1310), and the payment request chain store information, payment amount information, and purchase goods information are transmitted to the identified chain store headquarters server to approve the payment. Request (1315).

In addition, according to an embodiment of the present invention, the server may include a storage medium 940 provided in the server, a predetermined storage medium 940 linked to the server, or a ledger D on a financial system linked to the server. With reference to / B, it is possible to further check the chain store information and the chain store headquarters information corresponding to the payment settlement terminal (or chain store) unique information.

In addition, according to an embodiment of the present invention, the server may include a storage medium 940 provided in the server, a predetermined storage medium 940 linked to the server, or a ledger D on a financial system linked to the server. With reference to / B, payment account information (eg, chain store account information) corresponding to the card information may be further confirmed.

In addition, according to an embodiment of the present invention, the server may include a storage medium 940 provided in the server, a predetermined storage medium 940 linked to the server, or a ledger D on a financial system linked to the server. With reference to / B, it is possible to further check the chain store headquarters mother account information associated with the payment account information (eg, chain store account information).

When the payment request chain store information, payment price information and purchase item information are transmitted to the chain store head office server, the chain store head office server checks the transmitted payment request chain store information, payment amount information and purchase item information, and It is determined whether the payment is approved (1320).

Here, the chain store headquarters server, by checking the information (or items) requested for payment, characterized in that the goods (or items) to check whether the goods (or items) that can be paid.

In addition, the chain store headquarters server, by checking the payment request amount information, characterized in that the payment request amount is characterized in that it exceeds a limited amount (for example, daily limit amount, one company limit amount, etc.).

The chain store head office server stores the payment request chain store information, the payment request item (or item) information, and the payment information in association with each other and stores them in the storage medium.

The payment requested item (or item) transmitted from the chain store headquarters server is not a transaction target item (or item), or the payment request amount is a limited amount (eg, daily limit amount, limit for one company). Amount of money, etc.), if payment authorization for the payment request chain store information, payment price information, and purchase item information is impossible (1325), the chain store headquarters server may request payment approval response information including payment disapproval details. The server transmits to the server (1330), and the server generates a payment approval response message including the payment approval valuation details and transmits the complete message to the terminal (1335).

On the other hand, when the chain store headquarters server permits payment approval for the payment request chain store information, the payment price information, and the purchase item information transmitted from the server (1325), the chain store headquarters server records the payment approval permission details. The payment approval response information is transmitted to the server (1340).

When payment approval response information including the payment approval permission details is received, the server checks the chain store headquarters account information associated with the payment account (chain store account) of the card (1345), and from the checked chain store headquarters account, Withdraw the payment amount (1350).

Then, the server deposits the withdrawn payment amount to the chain store account (1355), and when the deposit processing of the amount is completed (1360), after the payment process for the purchase of goods through the chain store account; In operation 1370, a bill payment approval response message including the payment processing details is generated and transmitted to the terminal (1370).

Through the method and system for payment of the chain item goods according to the present invention, there is an advantage that the chain store can perform faster and smoother payment.

In addition, the chain head office has the advantage that can be handled and managed collectively in each chain store.

In addition, financial institutions have the advantage of attracting chain stores and the chain's head office as our customers.

Claims

Opening a chain store account for each chain store associated with the chain store main account in a predetermined account opening means;

Receiving a payment approval request message including the chain store card information and article item / price information from a predetermined terminal device at a predetermined information receiving means, when a predetermined item payment request is made using a chain store card connected to the chain store account. ;

Reading the received payment approval request text in a predetermined information reading means, and reading chain store card information and item item / price information included in the payment approval request text;

Checking chain store information and chain store headquarters information corresponding to the chain store (or chain store card) in a predetermined information checking means;

Transmitting the chain store information and the item item / price information to the identified chain store headquarter in a predetermined approval processing unit, and requesting a payment approval for the purchase price of the item and receiving an approval response thereto; And

When the predetermined payment processing means reads the approval response for the purchase price of the article, and obtains the approval for the purchase price of the article, withdraw the payment of the article from the mother store account of the chain store and deposit the payment into the chain store account. The payment method for the chain store item payment, characterized in that it comprises the step of performing a payment processing for the purchase price of the goods.

The method of claim 1,

Linking the chain store head office mother account information, the chain store account information associated with the chain store head office mother account, and the chain store card information using the chain store account as a payment account in a predetermined information registering means and storing the chain store head office account information in a predetermined storage medium; Payment method for the chain store goods, characterized in that further comprises.

The method of claim 1,

The chain store information and the item item / price information are checked in a predetermined approval confirmation means to confirm whether the item (or item) is a payable item (or item), or the amount requested for the authorization is limited to a daily amount. Checking whether the amount exceeds the limit for one company, etc .; The method of payment for the chain stores, characterized in that further comprises.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

An account opening means for opening a chain store account linked to the mother store account of the chain store for each chain store;

Information receiving means for receiving a full payment approval request message including the chain store card information and article item / price information from a predetermined terminal device, when a predetermined item payment request is made using a chain store card connected to the chain store account;

Information reading means for reading the received payment approval request text and reading chain store card information and item item / price information included in the payment approval request text;

Information checking means for checking chain store information and chain store head office information corresponding to the chain store (or chain store card);

An approval processing means for transmitting the chain store information and the item item / price information to the identified chain store headquarters, requesting payment approval for the item purchase price and receiving an approval response thereto; And

When the approval response to the purchase price of the article is read and the approval of the purchase price of the article is obtained, the purchase price of the article is withdrawn from the mother store account of the chain store, the deposit is processed into the account of the chain store, and Payment processing means for performing a payment processing; chain stores goods payment system comprising a.