KR20090000801A - Terminal devices for processing loan payment of purchasing capital and program recording medium - Google Patents

Terminal devices for processing loan payment of purchasing capital and program recording medium Download PDF

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Publication number
KR20090000801A
KR20090000801A KR1020070033166A KR20070033166A KR20090000801A KR 20090000801 A KR20090000801 A KR 20090000801A KR 1020070033166 A KR1020070033166 A KR 1020070033166A KR 20070033166 A KR20070033166 A KR 20070033166A KR 20090000801 A KR20090000801 A KR 20090000801A
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KR
South Korea
Prior art keywords
information
account
pharmacy
registration
card
Prior art date
Application number
KR1020070033166A
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Korean (ko)
Inventor
김인권
Original Assignee
주식회사 신한은행
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Priority to KR1020070033166A priority Critical patent/KR20090000801A/en
Publication of KR20090000801A publication Critical patent/KR20090000801A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/201—Price look-up processing, e.g. updating
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0269—Targeted advertisements based on user profile or attribute
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

A purchasing fund loan payment processing terminal device and a program recoding medium therefore are provided to allow financial company to offer new financial goods to pharmacy. A mode confirmation unit(2775) confirms whether the payment mode is the funds on hand payment mode or a purchasing fund loan payment mode. A whole statement generating unit(2760) produces funds on hand payment request statement including cost information about purchasing goods input by an input unit and the card information read through a card interface, and produces the purchasing fund loan payment approval request statement including the cost information about purchasing goods and the card information. A statement transmission unit(2765) transmits the purchasing fund loan payment approval request statement or the funds on hand payment request statement to a server through a network.

Description

Terminal device for Processing Loan Payment of Purchasing Capital and Program Recording Medium}

1 is a diagram illustrating a face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

Figure 2 is configured in the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy) according to an embodiment of the present invention Figure is a diagram.

Figure 3 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy, etc.) according to another embodiment of the present invention It is a figure which shows the structure of the stored account registration information.

Figure 4 illustrates the configuration of the account registration information stored in the DBMS provided in the payment server in a face-to-face for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy, etc.) according to another embodiment of the present invention Drawing.

FIG. 5 is a diagram illustrating a process of registering account information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to another exemplary embodiment of the present invention.

7 is a view showing the configuration of the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

8 is an account registration information stored in a database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

9 is a view showing the configuration of the account registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the goods buyer according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering account information in a non-face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a card issuing system for the payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

12 is a view showing a card issuing process for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a face-to-face card information registration system for payment processing according to a purchase of a predetermined article by an article buyer according to an exemplary embodiment of the present invention.

14 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

15 is a view illustrating a configuration of card registration information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention. Figure is shown.

16 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyers according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of registering card information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

18 is a diagram illustrating a non-face-to-face card information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention.

19 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

20 is a card registration information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

21 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

FIG. 22 is a diagram illustrating a process of registering card information in a non-face-to-face manner for payment processing according to a predetermined purchase of a drug product buyer according to an exemplary embodiment of the present invention.

FIG. 23 is a view illustrating a loan condition information registration system of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to an embodiment of the present invention.

FIG. 24 is a view illustrating a loan condition information registration process of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to one embodiment of the present invention.

FIG. 25 is a diagram illustrating a non-face-to-face loan condition information registration system for processing a loan for a predetermined payment amount in a payment process according to a drug purchase in a pharmacy according to another embodiment of the present invention.

FIG. 26 is a diagram illustrating a non-face-to-face loan condition information registration process for processing a loan for a predetermined payment amount in a payment process according to a drug purchase in a pharmacy according to another embodiment of the present invention.

FIG. 27 is a diagram illustrating a functional configuration of a terminal apparatus having a purchase fund loan settlement processing function according to an embodiment of the present invention.

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

29 is a flowchart illustrating an operation process of a terminal device according to another exemplary embodiment of the present invention.

30 is a diagram showing the configuration of an information processing system that performs payment processing for a predetermined purchase of goods in connection with a terminal device having a self-fund payment mode or a purchase money loan payment mode according to an embodiment of the present invention. .

FIG. 31 is a diagram illustrating a process of performing payment processing for a predetermined purchase of goods by interworking with a terminal device having a self fund payment mode or a purchase money loan payment mode in a server according to an exemplary embodiment of the present invention.

32 is a diagram illustrating a process of performing payment processing for a predetermined purchase of goods by interworking with a terminal device having a self fund payment mode or a purchase money loan payment mode in a server according to another embodiment of the present invention; to be.

33A and 33B are diagrams illustrating a specialized structure for requesting payment approval request for a product purchase settlement process according to an embodiment of the present invention.

<Description of main parts of drawing>

2700: card interface 2705: control unit

2710: screen output unit 2715: key input unit

2720: power supply 2725: communication unit

2730: security application module 2735: printed output

2740: printing apparatus 2745: memory unit

2750: card reader unit 2755: information input unit

2760: professional generation unit 2765: professional transmission unit

2770: professional processing unit 2775: mode confirmation unit

2780: Tax Invoice Processing Unit

The present invention provides a mode checking unit for checking whether the payment mode is a self-fund payment mode or a purchase fund loan payment mode when the payment is made according to the purchase of goods, and a predetermined key input unit when the payment mode is the self-payment payment mode. Generates a self-fund payment approval request message including information on purchase price of goods input through the card information and card information read out through a predetermined card interface, or when the payment mode is a purchase fund loan payment mode, the goods purchase amount information And a full text generation unit for generating a full purchase fund loan settlement approval request message including the card information and a full transfer unit for transmitting the generated self fund settlement approval request full text or the purchase fund loan settlement approval request full text to a server on a network. It relates to a purchase money loan payment processing terminal device.

Recently, as distribution problems, which have been pointed out as a chronic problem surrounding drug distribution, have emerged as a social issue, it is easy to grasp the flow and price of medicines based on collection and analysis of information related to drug distribution, and also to understand transaction behavior and actual transaction price. Easy solutions are being sought in various ways.

As a way of doing this, it is possible to effectively handle the distribution of actual transactions in electronic distribution, and it is time to take measures to reduce corruption such as rebates, discounts, and unfair claims.

The present invention for solving the above problems, a mode check unit for checking whether the payment payment mode is a self-fund payment mode or a purchase funds loan payment mode, when the payment process according to the purchase of goods, In the case of generating a self-fund payment approval request message including information on purchase amount of goods input through a predetermined key input unit and card information read out through a predetermined card interface, or the payment settlement mode is a purchase funds loan payment mode. In this case, a full text generation unit for generating a purchase fund loan payment approval request message including the purchase price information of the item and the card information, and the generated self-payment payment approval request text or the purchase money loan payment approval request text message on the server on the network. Buyer characterized in that it comprises a specialized transmission unit for transmitting to It is the loan payment processing terminal device to provide.

The purchase price loan payment processing terminal device according to the present invention includes a mode checking unit for checking whether the payment mode is the self-payment payment mode or the purchase fund loan payment mode when the payment is made according to the purchase of the goods, and the payment payment mode is the self-funding money. In the case of the payment mode, a full text of the self-financing payment approval request is generated, which includes the item purchase amount information input through a predetermined key input unit and the card information read out through a predetermined card interface, or the payment settlement mode is a loan of purchase funds. In the payment mode, a network for generating a purchase fund loan settlement approval request message including the purchase price information of the item and the card information, and a generated self fund settlement approval request message or a purchase fund loan settlement request message text; Characterized in that it comprises a specialized transmission unit for transmitting to the server on the The.

The purchase fund loan payment processing terminal device according to the present invention further comprises an information input unit which receives key input data corresponding to the self fund payment mode or the purchase fund loan payment mode in association with a predetermined key input unit. do.

When the purchase money loan payment processing terminal device according to the present invention receives a full payment approval response message corresponding to the full fund payment approval request message or the full payment money payment approval request message from a server on the network in association with a predetermined communication unit, As a result of reading the received payment approval response message, when the self fund payment approval request or the purchase fund loan approval request is successfully performed, the tax invoice information stored in the memory of the terminal device (eg, business registration number, representative, And a tax invoice processing unit for outputting a tax invoice according to the purchase of the article, with reference to supplier information including an address, a business status, a business type, and the like.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described purchase money loan payment processing terminal device.

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

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

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

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

1 is a diagram illustrating a face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates that the purchaser of the article (eg, a pharmacy) performs payment processing according to the purchase of a predetermined article of the purchaser of the article (eg, a pharmacy) according to the present invention through an information registration interface. In order to provide the goods buyer information, the goods buyer account information and the pharmaceutical company account information, the information registration system associates the provided goods buyer information, the goods buyer account information and the goods seller (for example, a pharmaceutical company) account information in a predetermined manner. As a system configuration for storing and registering in a storage medium, those skilled in the art to which the present invention pertains may refer to or modify the drawing 1 to link and process the goods buyer account information and the goods seller account information. When registering information for storing and registering in the ledger D / B or a predetermined storage medium in the financial system Various implementation methods for the stem configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, on the information registration system shown in FIG. 1, goods buyer (eg, pharmacy, etc.) information, goods buyer account information, and goods seller (eg, pharmaceutical company) provided from the goods buyer (pharmacy, etc.) through a predetermined information registration interface. Etc.) Components corresponding to at least one or more means or functional configurations for storing account information on the storage medium are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an account information registration system for payment processing according to a purchase of a predetermined item by an article buyer (eg, a pharmacy) according to the present invention may be provided to at least one financial institution branch. And an information registration terminal including a window terminal provided therein, wherein the information registration terminal is connected to the information registration server 100 provided on the account information registration system through a predetermined financial network. do.

According to an embodiment of the present invention, the pharmacy visits the financial institution branch to register predetermined account information for payment processing according to a purchase of a predetermined item of a buyer (eg, a pharmacy) according to the present invention. And a form for filling in at least one information item for payment processing according to a purchase of a predetermined item by the purchaser of the item (eg, a pharmacy) through a window (or a teller) provided at the branch of the financial institution. Completed document), and the completed application is submitted to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal enters (or selects) the information. The information is preferably transmitted to the information registration server 100 provided on the account information registration system through the financial network.

Here, the teller terminal preferably comprises an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 100 connected to the teller terminal is provided on the predetermined financial system. It is preferable to include a ledger server, wherein the financial network connecting the teller terminal and the information registration server 100 comprises a branch network connecting the communication channel between the teller terminal and the information registration server 100. desirable.

In the information registration system as described above, the application prepared in the pharmacy, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 100 is the article according to the invention in the pharmacy It performs a function of an information registration interface for registering account information for payment processing according to a purchase of a predetermined item of a buyer (for example, a pharmacy).

The storage medium provided on the account information registration system according to the present invention is characterized in that the pharmacy information provided from the information registration terminal and the pharmacy account information and pharmaceutical company account information is stored in association.

The pharmacy information may include at least one of a business (pharmacy) name, a representative (pharmacist) name, a business address, a business phone number, a mobile phone number, a business registration number, a pharmacist license number, and the like.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment amount according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

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

According to another embodiment of the present invention, the storage medium is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 100 provided on the account information registration system according to the present invention is a generic term for the components of the account information registration system connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

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

Referring to FIG. 1, when the predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105 to provide the information. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account registration information from the registration terminal to the information registration terminal, and the interface unit 105. And an information receiving unit 115 for receiving predetermined account registration information transmitted from the information registration terminal through the user interface and inputting (or selecting) and validity checking for validity of the received account registration information. The unit 120 and the pharmacy information, the pharmacy account information and the pharmaceutical company account information included in the validity of the account registration information is linked to a predetermined storage And an information storage unit 125 to store the medium is characterized in that formed.

The interface providing unit 110, when a predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the pharmacy information and the pharmacy corresponding to the functional configuration provided in the information registration terminal Create a predetermined user interface that can input (or select) account registration information, including account information and pharmaceutical company account information, and send it to the information registration server 100 through the financial network, or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the information registration terminal through the financial network in association with the interface unit 105.

Thereafter, the information registration terminal inputs (or selects) account registration information including at least one of the pharmacy information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) account. Information is transmitted to the information registration server 100 through the financial network.

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

When the information receiving unit 115 inputs (or selects) account registration information including at least one of pharmacy information, pharmacy account information, and pharmacy account information through the user interface, the information registration terminal transmits the information through the financial network. And receiving the account registration information in cooperation with the interface unit 105, and provides the received account registration information to the validity verification unit 120.

The validity confirming unit 120 is characterized by checking whether the validity for the drug purchase price payment processing for at least one or more information included in the account registration information received from the information registration terminal.

According to an embodiment of the present invention, the validity confirmation of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system is provided It is preferable to include checking whether it is done.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

When the validity of the account registration information is confirmed, the information storage unit 125 stores the pharmacy information, the pharmacy account information and the pharmaceutical company account information included in the account registration information to the storage medium by interlinking If the storage medium is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 is included in the received account registration information. It is preferable to store the stored pharmacy information, the pharmacy account information and the pharmaceutical company account information in the storage medium, the storage medium is provided in the DBMS provided on the financial system, the information storage unit 125 is Pharmacy information, pharmacy account information and pharmaceutical company account information included in the received account registration information provided by the information system through the external system on the financial system Be stored in the DBMS provided on the system is preferred.

Figure 2 is configured in the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy, etc.) according to an embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 2, when the storage medium shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the pharmacy includes the account information in the ledger information included in the ledger D / B. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information is stored, and if the person skilled in the art to which the present invention pertains, refer to or modify the Various information construction methods for storing the account registration information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, an account ledger corresponding to a pharmacy account opened in the name of the pharmacy (or pharmacist) included in the account registration information is associated with an account ledger corresponding to the pharmacist account. Characterized in that the processing is provided in the ledger D / B on the financial system, the account ledger corresponding to the pharmacy account is processed in connection with a predetermined customer ledger corresponding to the pharmacy (or pharmacist), The account ledger corresponding to the pharmaceutical company account may be processed in association with a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB , Usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

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

In addition, the account ledger corresponding to the pharmacy account is characterized in that the relationship is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information to be included in the account ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

Figure 3 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the buyer (eg, pharmacy, etc.) according to another embodiment of the present invention It is a figure which shows the structure of the stored account registration information.

In more detail, FIG. 3 is a pharmacy included in the account registration information in the database when the storage medium shown in FIG. 1 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information is stored, and those skilled in the art to which the present invention pertains, refer to this figure 3 or modified It is possible to infer a variety of information configuration method for storing the account registration information including the pharmacy information, pharmacy account information and pharmaceutical company account information in a predetermined database in association with the ledger D / B, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the account registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution indicates the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the nature of the financial system), the account registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 3, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to the invention, the database is characterized in that the pharmacy information contained in the account registration information, the pharmacy account information and the pharmaceutical company account information is stored in association, the database is linked to the ledger D / B It is preferable to further include a CIF number confirmed through the customer information included in the account registration information.

Referring to FIG. 3, the database stores and stores the pharmacy information included in the account registration information, the pharmacy account information, and the pharmacy account information.

Figure 4 shows the configuration of the account registration information stored in the DBMS provided in the payment server in a face-to-face for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy, etc.) according to another embodiment of the present invention Drawing.

In more detail, FIG. 4 shows a storage medium shown in FIG. 1 provided in a DBMS provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In this case, the DBMS pharmacy information included in the account registration information and the pharmacy account information and the pharmacist account information to an embodiment of the method for storing and linking, if one of ordinary skill in the art to which the present invention belongs, By referring to or modifying the drawing 4, it is possible to infer a method of configuring information on account registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the pharmacy information included in the account registration information, the pharmacy account information and pharmaceutical company account information is stored in association.

FIG. 5 is a diagram illustrating a process of registering account information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a case where the information registration server 100 on the account information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network. In the communication terminal for the face-to-face account information registration for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy) according to the present invention by accessing the information terminal server 100 After the connection, and transmits the account registration information including the pharmacy information, pharmacy account information and pharmaceutical company account information to the information registration server 100 through the communication channel, the information registration server 100 receives the The present invention relates to a method for storing pharmacy information included in the registered account registration information, pharmacy account information, and pharmaceutical company account information in a predetermined storage medium. Those skilled in the art can refer to or modify this drawing 5 to infer various implementation methods for registering the account registration information to the information registration server 100 in the window terminal, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The pharmacy information, the pharmacy account information, and the pharmaceutical company account information transmitted to the server 100 are referred to as "account registration information" for convenience.

Referring to FIG. 5, the window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the account registration information, and purchases the goods (eg, a pharmacy, etc.). When the request for registration of the account registration information for payment processing according to the purchase of a predetermined item () is performed (500), the server generates (or extracts) a predetermined information registration interface for registering the account registration information (505). In operation 510, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) account registration information including at least one of the pharmacy information, pharmacy account information, and pharmacy account information in the terminal. desirable.

Thereafter, the terminal inputs (or selects) account registration information including at least one or more pharmacy information, pharmacy account information, and pharmacist account information through the information registration interface (515).

If the terminal inputs (or selects) the account registration information including the pharmacy information, the pharmacy account information, and the pharmacist account information through the information registration interface (520), the terminal receives the input (or The account registration information including the selected pharmacy information, pharmacy account information, and pharmaceutical company account information is transmitted to the server (525).

Thereafter, the server receives and reads the pharmacy information, the pharmacy account information, and the pharmaceutical company account information through the financial network to check the validity of the account registration information (530).

According to an embodiment of the present invention, the validity confirmation of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system is provided It is preferable to include checking whether it is done.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

If the validity of the account registration information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and does not perform the information registration procedure corresponding to the account registration information. Do not.

On the other hand, if the validity of the account registration information is authenticated (535), the server performs an information registration procedure corresponding to the account registration information, so that the pharmacy information, pharmacy account information and pharmaceutical company account information included in the account registration information In operation 545, the data is stored in a predetermined storage medium by the associated process.

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

According to another embodiment of the present invention, the storage medium is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the account registration information transmitted from the terminal.

FIG. 6 is a diagram illustrating a non-face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an article buyer (eg, a pharmacy) according to another exemplary embodiment of the present invention.

In more detail, Figure 6 is a pharmacy information and pharmacy for payment processing according to the purchase of a certain item of the goods buyers (for example, pharmacy) according to the present invention to the account information registration system through a predetermined information registration interface in a given pharmacy When providing account registration information including at least one of account information and pharmaceutical company account information, the account information registration system stores the pharmacy information included in the provided account registration information, the pharmacy account information and the pharmaceutical company account information in a predetermined manner. Regarding a system configuration for storing in a medium, a person having ordinary skill in the art to which the present invention pertains may refer to or modify the drawing of FIG. 6 and pay according to the purchase of a predetermined item by the buyer of the item (eg, a pharmacy). It would be possible to infer various implementation methods for the construction of the account information registration system for processing. The present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, on the account information registration system shown in FIG. 6, at least one means or function corresponding to the functional configuration for storing the account registration information provided from the pharmacy through the predetermined information registration interface on the storage medium for convenience. It is referred to as "information registration server 600".

Referring to FIG. 6 according to an embodiment of the present invention, an account information registration system for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to the present invention may be registered in the pharmacy. And an information registration terminal including at least one of a client terminal including at least one of a wired terminal or a wireless terminal for use. The information registration terminal registers the account information through a predetermined network means. The communication channel is connected to the information registration server 600 provided on the system.

According to one embodiment of the invention, the pharmacy is connected to the information registration server 600 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, the information Entering (or selecting) account registration information for payment processing according to the purchase of a predetermined item of the item buyer (eg, a pharmacy) according to the present invention through at least one user interface provided by the registration server 600, It is preferable that the client terminal transmits the input (or selected) account registration information to the information registration server 600 provided on the account information registration system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a 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 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 and / or a personal handyphone system (PHS) 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 portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the information registration server 600 connected to the client terminal is either an Internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 600 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 600. 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 information registration server 600) 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 information registration system as described above, at least one client terminal including at least one wired terminal or wireless terminal used for registration of the account information at the pharmacy, and at least one connecting the client terminal and the information registration server 600. The wired network or the wireless network performs a function of an information registration interface for registering account registration information for payment processing according to a purchase of a predetermined item of an article buyer (eg, a pharmacy) according to the present invention in the pharmacy.

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

In the information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the information registration server 100 ) Connects the financial network to the pharmacy to perform the function of an information registration interface for registering the account registration information for the payment processing according to the purchase of the prescribed goods of the buyer (eg, pharmacy, etc.) according to the present invention, Alternatively, when the information registration terminal is the call terminal (not shown), the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 is the pharmacy. In the information registration interface for registering the account registration information for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy, etc.) according to the present invention Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal, the terminal (or server) (not shown) and the terminal (or server). (Not shown) and the network connecting the information registration server 600 to register the account registration information for the payment processing according to the purchase of the predetermined goods of the goods buyer (for example, pharmacy, etc.) according to the present invention in the pharmacy Performs the function of the information registration interface.

The storage medium 1430 provided on the information registration system according to the present invention stores and stores the pharmacy information, the pharmacy account information, and the pharmacy account information included in the account registration information provided from the information registration terminal in association. It features.

The pharmacy information may include at least one of a business (pharmacy) name, a representative (pharmacist) name, a business address, a business phone number, a mobile phone number, a business registration number, a pharmacist license number, and the like.

The pharmacy account information may include the pharmacy that the payment amount for the purchase of the medicine is withdrawn or a predetermined loan corresponding to the payment amount is deposited according to the present invention at the time of payment processing for the purchase of the prescribed medicine in the pharmacy ( Or pharmacist), including the account holder and account number for the account opened in the name.

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

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

According to another embodiment of the present invention, the storage medium is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 600 provided on the account information registration system according to the present invention is a generic term for the components of the account information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the information registration server 600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 100 is the TV banking system A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to the embodiment of the present invention, the information registration server 600 is characterized by comprising an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 605 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined 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. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. 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 is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 605 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 605 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 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.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 605 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 6, when the predetermined information registration terminal is connected to the information registration server 600 through the interface unit 605, the information registration server 600 cooperates with the interface unit 605 to provide the information. An interface provider 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account registration information from the registration terminal to the information registration terminal, and the interface unit 605. And an information receiving unit 615 for receiving predetermined account registration information transmitted from the information registration terminal through the user interface and inputting (or selecting) the pharmacy information and the pharmacy account included in the received account registration information. And an information storage unit 625 for storing the information and the pharmaceutical company account information in a predetermined storage medium.

The interface providing unit 610, when a predetermined information registration terminal is connected to the information registration server 600 through the interface unit 605, the account registration information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 600 through the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 605. And provide the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) account registration information including at least one of the pharmacy information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) account. Information is transmitted to the information registration server 600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 610 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 605.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 610 is a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 605. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 610 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

The information receiving unit 615 inputs (or selects) account registration information including at least one of pharmacy information, pharmacy account information, and pharmacist account information through the user interface through the user interface, and transmits the information through the network means. And receiving the account registration information in cooperation with the interface unit 605, and provides the received account registration information to the validity verification unit 620.

The validity confirming unit 620 may be configured to check whether the account registration information received from the information registration terminal satisfies the validity for payment processing according to the purchase of the pharmacy.

According to an embodiment of the present invention, the validity confirmation of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system is provided It is preferable to include checking whether it is done.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

When the validity of the account registration information is confirmed, the information storage unit 625 is characterized in that the pharmacy information included in the account registration information, the pharmacy account information and the pharmaceutical company account information to process and store in the storage medium When the storage medium is provided in the information registration server 600 or on the network associated with the information registration server 600, the information storage unit 625 is included in the received account registration information. It is preferable to store pharmacy information, pharmacy account information and pharmaceutical company account information in the storage medium by linking and processing the information storage unit 625 when the storage medium is provided in a DBMS provided on the financial system. The pharmacy information, pharmacy account information and pharmaceutical company account information included in the registered account registration information to the information system through the external system on the financial system It is desirable to store in a DBMS provided on the system.

7 is a view showing the configuration of the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

In more detail, in FIG. 7, when the storage medium illustrated in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the pharmacy includes the account registration information in the ledger information included in the ledger D / B. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information is stored, and those skilled in the art to which the present invention pertains, refer to this figure 7 or modified Various information construction methods for storing the account registration information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, an account ledger corresponding to a pharmacy account opened in the name of the pharmacy (or pharmacist) included in the account registration information is associated with an account ledger corresponding to the pharmacist account. Characterized in that the processing is provided in the ledger D / B on the financial system, the account ledger corresponding to the pharmacy account is processed in connection with a predetermined customer ledger corresponding to the pharmacy (or pharmacist), The account ledger corresponding to the pharmaceutical company account may be processed in association with a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB , Usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

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

In addition, the account ledger corresponding to the pharmacy account is characterized in that the relationship is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information to be included in the account ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

8 is an account registration information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

More specifically, FIG. 8 is a pharmacy included in the account registration information in the database when the storage medium shown in FIG. 6 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information in association with, and those skilled in the art to which the present invention pertains, refer to this figure 8 or modified It is possible to infer a variety of information configuration method for storing the account registration information including the pharmacy information, pharmacy account information and pharmaceutical company account information in a predetermined database in association with the ledger D / B, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the account registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution indicates the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the nature of the financial system), the account registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 8 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database on the Internet banking system, or telebanking, according to the intention of the skilled person. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to the invention, the database is characterized in that the pharmacy information contained in the account registration information, the pharmacy account information and the pharmaceutical company account information is stored in association, the database is linked to the ledger D / B It is preferable to further include a CIF number confirmed through the customer information included in the account registration information.

Referring to FIG. 8, the database stores and stores the pharmacy information included in the account registration information, the pharmacy account information, and the pharmaceutical company account information in association.

9 is a view showing the configuration of the account registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

In more detail, FIG. 9 is provided in a DBMS in which a storage medium shown in FIG. 6 is provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In this case, the DBMS pharmacy information included in the account registration information and the pharmacy account information and the pharmacist account information to an embodiment of the method for storing and linking, if one of ordinary skill in the art to which the present invention belongs, By referring to or modifying the drawing 9, it is possible to infer a method of configuring information on account registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the pharmacy information included in the account registration information, the pharmacy account information and pharmaceutical company account information is stored in association.

FIG. 10 is a diagram illustrating a process of registering account information in a non-face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the information registration server 600 on the account information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 600 and connecting a communication channel for information registration according to the present invention, the pharmacy information, pharmacy account information and pharmaceutical company account information to the information registration server 600 through the communication channel When the account registration information is transmitted, the information registration server 600 stores the pharmacy information included in the received account registration information, the pharmacy account information and the pharmaceutical company account information in a predetermined storage medium. As for those of ordinary skill in the art to which the present invention pertains, the present invention may be referred to or modified with reference to FIG. Various implementation methods for registering the account registration information from the client terminal to the information registration server 600 may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The pharmacy information, the pharmacy account information, and the pharmaceutical company account information transmitted to the server 600 are referred to as "account registration information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register account registration information for payment processing according to a purchase of a predetermined item of the buyer (eg, a pharmacy). When the connection is requested and the account registration information is registered (1000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the account registration information (1005), and establishes the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) account registration information including at least one of the pharmacy information, pharmacy account information, and pharmacy account information in the terminal. desirable.

In addition, the web page transmission or output process is preferably performed at least once according to the account registration information registration procedure, whereby the present invention is not limited.

Subsequently, the terminal inputs (or selects) account registration information including at least one or more pharmacy information, pharmacy account information, and pharmacist account information through the information registration interface (1015).

If the terminal inputs (or selects) account registration information including the pharmacy information, the pharmacy account information, and the pharmacist account information through the information registration interface (1020), the terminal inputs (or Selected) transmits the pharmacy information, pharmacy account information and pharmaceutical company account information to the server (1025).

According to an embodiment of the present invention, the transmitting (or selecting) the pharmacy information, the pharmacy account information, and the pharmacist account information input through the communication channel to the server may be input (or selected) through the information registration interface. The electronic device may further include transmitting the account registration information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the pharmacy information, the pharmacy account information, and the pharmaceutical company account information through the communication channel to check the validity of the account registration information (1030).

According to the implementation method of the present invention, confirming the validity of the account registration information, the account corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether the ledger is provided.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

If the validity of the account registration information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), the information corresponding to the account registration information Do not perform the registration process.

On the other hand, if the validity of the account registration information is authenticated (1035), the server performs the information registration procedure corresponding to the account registration information, by linking the pharmacy information, pharmacy account information and pharmaceutical company account information to store a predetermined Store in medium (1045).

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

According to another embodiment of the present invention, the storage medium is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the account registration information transmitted from the terminal.

FIG. 11 is a diagram illustrating a card issuing system for payment processing according to a purchase of a predetermined article by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 stores and registers the pharmacy account and the pharmacy drug company account through the account information registration system shown in FIG. 1 or 6, and then issues a card through a predetermined card issuing interface in the pharmacy. If the system provides predetermined card issuance application information for the pharmacy account as the medicine purchase price payment account, the card issuing system issues a card for the pharmacy account as a payment account based on the provided card issuance application information. As a system configuration, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 11 to infer various implementation methods for the card issuing system configuration for the drug purchase payment processing of the pharmacy. It will be appreciated that the present invention is directed to all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, on the card issuing system shown in FIG. 11, a drug purchase price payment processing is performed to the pharmacy (or pharmacy operator) based on the card issuing application information provided from the pharmacy (or pharmacy operator) through a predetermined card issuing interface. At least one means for issuing a predetermined card or component corresponding to the functional configuration is referred to as "card issuing server 1100" for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, after storing and registering the pharmacy account and the drug pharmaceutical company account through the account information registration system illustrated in FIG. 1 or 6, the registered pharmacy account The card issuing system for card payment processing to the drug purchase price payment account, characterized in that comprises a teller terminal used by the card issuing staff provided with at least one financial institution, or the card issuing system is non-face-to-face In the case of supporting a card issuing application, the terminal includes at least one client terminal including at least one wired terminal or a wireless terminal used by the pharmacy (or pharmacy operator), and the counter terminal or the client terminal includes a predetermined network. The card issuing system through means The card issuing server 1100, the communication channel is provided on the connection.

According to an exemplary embodiment of the present invention, the pharmacy (or pharmacy operator) stores the registered pharmacy account in the ledger D / B or storage medium through the account information registration system shown in FIG. A predetermined card issuance application (eg, medicine purchase price) for the medicine purchase price payment processing is visited to the financial institution for the card payment processing and through a window provided at the financial institution (or a card issuing staff). A document with a form for filling out at least one information item for payment processing (or the card issuing staff visits the pharmacy and asks the pharmacy operator to prescribe a payment for the drug purchase). To complete the card issuance application) and submit the completed card issuance application form to the card issuing staff. The card issuing clerk inputs (or selects) the information written in the card issuing application through a predetermined teller terminal, and the teller terminal issues the card through the network means. It is preferable to transmit to the card issuing server 1100 provided on the system.

Here, the window terminal preferably comprises a window terminal used by the card issuing staff provided in the financial institution, the card issuing server 1100 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 1100 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 1100 It is preferable to comprise).

In the card issuing system as described above, a card issuance application prepared by the pharmacy (or pharmacy operator), a window terminal used by the card issuing staff, and a financial network connecting the window terminal and the card issuing server 1100. Issuance of the card for the card payment processing by the pharmacy (or pharmacy operator) the pharmacy account stored and registered in the ledger D / B or storage medium through the account information registration system shown in Figure 1 or 6 It performs the function of the card issuing interface for registering the application information.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the pharmacy (or pharmacy operator) is connected to a wired terminal or a predetermined wireless communication network connected to a predetermined wired network. Access the card issuing server 1100 through at least one client terminal among wireless terminals, and register the account information shown in FIG. 1 or 6 through at least one user interface provided by the card issuing server 1100. When the card issuing application information for card payment processing using the pharmacy account stored and registered in the ledger D / B or the storage medium as a payment account through the system is inputted (or selected), the client terminal transmits the information through a predetermined network means. It is preferable to transmit to the card issuing server 1100 provided on the card issuing system.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a 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. It is preferable to include at least one or more connected wireless data communication terminal.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 1100, inputs or selects at least one or more information through the user interface, and transmits the same to the card issuing server 1100. 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 1100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the pharmacy (or pharmacy operator), and at least one or more connecting the client terminal and the card issuing server 1100. The wired or wireless network uses a pharmacy account stored by the pharmacy (or pharmacy operator) in the ledger D / B or storage medium on the financial system as a payment account through the account information registration system shown in FIGS. The card issuing interface for registering the card issuing application information for the card payment processing can be performed.

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 may be provided with a predetermined financial network (eg, financial joint) in addition to the window terminal or the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the network), or a predetermined public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a network (PSTN) or a voice over IP (VoIP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. (Not shown) or a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. It may include, but the invention is not limited thereto.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the card issuing server 1100 to the pharmacy (or pharmacy operator) in the ledger D / B or storage medium on the financial system through the account information registration system shown in FIG. 1 or 6. , Performs a function of a card issuing interface for registering card issuing application information for card payment processing using a registered pharmacy account as a payment account, or when the card issuing terminal 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 1100 is the pharmacy (or pharmacy operation). It performs the function of the card issuing interface for registering the card issuing application information for the card payment processing using the pharmacy account opened in the name of the English), or provided to the institution affiliated with the financial institution that is the card issuing terminal If the terminal (or server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuing server 1100 is the pharmacy ( Alternatively, the card issuance interface may be used to register card issuance application information for card payment processing using a pharmacy account opened in the name of a pharmacy operator).

According to the implementation method of the present invention, the card issuing application information is issued a card for payment of pharmacy goods through the card issuing system shown in Figure 11 (or account information registration system shown in Figure 1 or Figure 6) The pharmacy (or pharmacy operator) information corresponding to a pharmacy account stored and registered in the ledger D / B or storage medium on the financial system through the account information registration system shown in FIG. 1 or FIG. It may include account information corresponding to the pharmacy account registered and stored in the ledger D / B or storage medium.

Here, the pharmacy information included in the card issuance application information includes a business (pharmacy) name, representative (pharmacist) name, business address, business phone number, mobile phone number, business registration number, pharmacist license number, etc. It can be done by.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment amount according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

The card information D / B provided on the card issuing system according to the present invention issues a predetermined card to the pharmacy (or pharmacy operator) based on the card issuing application information provided from the card issuing terminal, The card information generated in correspondence with the issuance of the card, the pharmacy (or pharmacy operator) information and the pharmacy account information included in the card issuing application information are stored in a linked process.

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

According to another exemplary embodiment of the present invention, the card information D / B is a server that performs a predetermined information processing function using the card information, the pharmacy account information, and the pharmacy (or pharmacy operator) information on the card issuing system. (Or a device) is preferably provided in a predetermined DBMS, wherein the position where the card information D / B is provided can be variously implemented according to the intention of those skilled in the art, whereby the present invention is not limited. .

The card issuing server 1100 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected to the card issuing terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the card issuing server 1100 is characterized in that it comprises an interface unit 1105 for providing a predetermined card issuing interface to the card issuing terminal through the network means.

According to an embodiment of the present invention, when the card issuing terminal is a window terminal connected to a predetermined financial network, the interface unit 1105 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a channel and using a communication protocol defined in the card issuance application program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1140 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 1105 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, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1105 connects a communication channel with the client terminal based on the TCP / IP protocol, 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 is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 1100, the interface unit 1105 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 exemplary embodiment of the present invention, when the card issuing terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit may be connected with the client terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a 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 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 1100, the interface unit 1105 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. 11, when the card issuing terminal 1100 is connected to the card issuing server 1100 through the interface unit 1105, the card issuing server 1100 works with the interface unit 1105. An interface providing unit 1110 for generating (or extracting) a predetermined user interface for the issuing terminal to input (or selecting) and transmitting predetermined card issuing application information to the card issuing terminal, and the interface unit 1105. And an information receiving unit 1115 for receiving predetermined card issuing application information transmitted from the card issuing terminal through the user interface and inputting (or selecting), and the pharmacy based on the received card issuing application information. (Or the information generating unit 1125 for generating predetermined card information corresponding to a card to be issued to the pharmacy operator) and the predetermined card issuing device. The card issuing unit 1130 for issuing a predetermined card including card information and card information corresponding to the card issued to the pharmacy (or pharmacy operator), the pharmacy account information and the pharmacy (or pharmacy operator) information are cooperatively processed. And an information storage unit 1120 storing the card information D / B.

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

Thereafter, the card issuing terminal inputs (or selects) the card issuing application information based on the user interface, and the card issuing server 1100 receives the input (or selected) card issuing application information through the network means. To send.

According to an embodiment of the present invention, when the card issuing terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1110 may provide a predetermined user interface that can be provided by a card issuing application program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1105.

According to another embodiment of the present invention, when the card issuing 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 1110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1110 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

The information receiving unit 1115 inputs (or selects) predetermined card issuing application information from the card issuing terminal through the user interface and transmits the information through the network means. Characterized in that the application information is received, the received card issuance application information is provided to the information generating unit 1125.

According to the implementation method of the present invention, the card issuance application information may be configured to include pharmacy (or pharmacy operator) information and account information, the business (pharmacy) name, representative (pharmacist) name, business address, business place It may be made by including at least one of a telephone number, a mobile phone number, a business registration number, a pharmacist license number.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment amount according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

The information generating unit 1125 generates predetermined card information to be provided in the card to the pharmacy (or pharmacy operator) based on the card issuing application information received through the information receiving unit 1115. .

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 1125, the card issuing unit 1130 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 pharmacy (or pharmacy 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 generation unit 1125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 1130 generates at least one card information through the card issuing device. By writing to the MS track, a certain card is issued to the pharmacy (or pharmacy operator).

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 1125 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 1130 sends the card information to the memory of the IC chip through the card issuing device. By writing to the card, a predetermined card to be issued to the pharmacy (or pharmacy operator) is issued.

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

Thereafter, the information storage unit 1120 stores the card information generated through the information generating unit 1125 and the card issuing application information received from the pharmacy (or pharmacy operator) through the information receiving unit 1115. Characterized in that the pharmacy account information and the pharmacy (or pharmacy operator) information is included and stored in the card information D / B.

12 is a diagram illustrating a card issuing process for the payment processing according to the purchase of a predetermined item of the article buyer according to the embodiment of the present invention.

More specifically, FIG. 12 stores and registers the pharmacy account and the drug pharmaceutical company account through the account information registration system shown in FIG. 1 or 6, and then issues a card through a predetermined card issuing interface in the pharmacy. If the system provides predetermined card issuance application information for the pharmacy account as the medicine purchase price payment account, the card issuing system issues a card for the pharmacy account as a payment account based on the provided card issuance application information. As a process, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 12 to infer various implementation methods for the card issuing process for the drug purchase payment processing of the pharmacy. It will be appreciated, however, that the present invention encompasses all implementation methods inferred above It shall not be limited to the exemplary method shown in figure 12.

For example, in FIG. 12, the card is manufactured and provided (or shipped) to the pharmacy (or pharmacy operator), and then predetermined card information, pharmacy account information, and pharmacy (or pharmacy operator) information is provided in the card information D / B. Although it is illustrated as storing, the process of storing the predetermined card information, pharmacy account information and pharmacy (or pharmacy operator) information in the card information D / B according to the intention of those skilled in the art before manufacturing the card, or It may be performed after the card is made and before it is provided (or shipped) to the pharmacy (or pharmacy operator), whereby the present invention is not limited.

Hereinafter, in FIG. 12, the card issuing terminal shown in FIG. 11 is referred to as "terminal" for convenience, and the card issuing server 1100 is referred to as "server" for convenience.

Referring to FIG. 12, the pharmacy (or pharmacy operator) receives a predetermined card issuance information including predetermined card issuance application information through a predetermined card issuing interface in order to issue the card for drug purchase payment processing at the pharmacy. If a card issuance application is prepared or the card issuing system shown in FIG. 11 supports a non-face-to-face card issuance application, the pharmacy (or pharmacy operator) may provide predetermined card issuance application information through a predetermined client terminal. After inputting (or selecting), the card issuing application information is provided to the server through a predetermined card issuing interface (1200).

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

The card issuance application information provided to the server through the card issuance interface may include pharmacy (or pharmacy operator) information and account information, wherein the pharmacy (or pharmacy operator) information is a business place ( Pharmacy) name, representative (pharmacist) name, business address, business phone number, mobile phone number, business registration number, pharmacist license number, etc. may be made.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment for payment according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the pharmacy (or pharmacy operator) ( 1205).

Here, the card issuance validity confirmation is based on the pharmacy (or pharmacy operator) information and pharmacy account information included in the card issuance application information through the account information registration system shown in FIG. It is preferable to include a) check whether the operator has opened a pharmacy account corresponding to the account information.

If the validity to issue the card to the pharmacy (or pharmacy operator) is not authenticated through the card issuing application information (1210), the server sends a card to the pharmacy (or pharmacy operator) through the card issuing interface. Provide issuance error information 1215 and stop issuing the card to the pharmacy (or pharmacy operator).

If the validity for issuing the card to the pharmacy (or pharmacy operator) is authenticated through the card issuing application information (1210), the server will issue to the pharmacy (or pharmacy operator) based on the card issuing application information. Predetermined card information corresponding to the card is generated (1220).

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 with the card information through a predetermined card issuing device and provides (or delivers) the drug to the pharmacy (or pharmacy operator) (1225).

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.

Thereafter, the server associates the generated pharmacy account information and the pharmacy (or pharmacy operator) information provided from the pharmacy (or pharmacy operator) via the card issuance interface with the generated card information D / B ( In operation 1230.

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

FIG. 13 is a diagram illustrating a face-to-face card information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 13 is a pharmacy (or pharmacy) for payment processing according to a purchase of a predetermined product by an article purchaser (eg, a pharmacy) according to the present invention to an information registration system through a predetermined information registration interface in the pharmacy. When the card information of the name of the operator and the drug pharmaceutical company account information are provided, the card information registration system stores and registers the payment account information corresponding to the provided card information by linking the drug company account information to a predetermined storage medium. As a system configuration, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a predetermined storage medium by referring to or modifying the drawing 13 and linking the pharmaceutical account information with the payment account information corresponding to the card information. It is possible to infer various implementation methods for the card information registration system to be stored and registered in As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the pharmacy account information corresponding to the card information provided from the pharmacy through a predetermined information registration interface on the information registration system shown in FIG. A component corresponding to at least one or more means or functional configurations for storage in / B) is referred to as " information registration server 1300 " for convenience.

Referring to FIG. 13 according to an embodiment of the present invention, a card information registration system for payment processing according to a purchase of a predetermined item by an article buyer (for example, a pharmacy) according to the present invention is provided to at least one financial institution branch. And an information registration terminal including a window terminal provided, wherein the information registration terminal is connected to a communication channel with an information registration server 1300 provided on the card information registration system through a predetermined financial network. do.

According to an embodiment of the present invention, the pharmacy visits the financial institution branch to register predetermined card information for payment processing according to a purchase of a predetermined item of a buyer (eg, a pharmacy) according to the present invention. And a form for filling in at least one information item for payment processing according to a purchase of a predetermined item by the purchaser of the item (eg, a pharmacy) through a window (or a teller) provided at the branch of the financial institution. Completed document), and the completed application is submitted to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal enters (or selects) the information. ) Is transmitted to the information registration server 1300 provided on the card information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 1300 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 1300 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 1300. Do.

In the card information registration system as described above, the application prepared at the pharmacy, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 1300 in the pharmacy according to the present invention A function of an information registration interface for registering card information for payment processing according to a purchase of a predetermined item of an item buyer (eg, a pharmacy) may be performed.

The storage medium provided on the card information registration system according to the present invention is characterized by storing payment account information corresponding to the card information provided from the information registration terminal in association with the pharmaceutical company account information and stored.

Here, the card information, the card-specific information including the card number, CVS, expiration date and the like, the name of the place of business (pharmacy), the name of the representative (pharmacist), the place of business address, the place of business phone number, mobile phone number, business registration number, pharmacist license Card customer personal information including at least one of a number and the like.

The payment account information, in the process of issuing the card, includes a payment account for the withdrawal of the credit card payment, the payment account is processed in connection with the pharmaceutical company account information in accordance with the method of the present invention the storage medium (Or ledger D / B on the financial system).

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

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

According to another embodiment of the present invention, the storage medium is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 1300 provided on the card information registration system according to the present invention is a generic term for the components of the card information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1300 is characterized in that it comprises an interface unit 1305 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1305 communicates with the window terminal 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) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 13, the information registration server 1300 cooperates with the interface unit 1305 when a predetermined information registration terminal accesses the information registration server 1300 through the interface unit 1305. An interface providing unit 1310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration information from the information registration terminal to the information registration terminal; And an information receiving unit 1315 for receiving predetermined card registration information transmitted from the information registration terminal through the user interface (1305) and checking the validity of the received card registration information. The validity check unit 1320, the pharmacy information included in the card registration information confirmed validity and the card payment account information and pharmaceutical company account information by And an information storage unit 1325 stored in a predetermined storage medium.

The interface providing unit 1310 is connected to the information registration server 1300 through a predetermined information registration terminal through the interface unit 1305, the card information and the pharmacy corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface capable of inputting (or selecting) card registration information including account information and pharmaceutical company account information to the information registration server 1300 via the financial network, or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1305 to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) card registration information including at least one of the card information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) card. Information is transmitted to the information registration server 1300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1310 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1305.

When the information receiving unit 1315 inputs (or selects) card registration information including at least one of card information, pharmacy account information, and pharmacy account information through the user interface, the information registration terminal transmits the information through the financial network. And receiving the card registration information in cooperation with the interface unit 1305, and provides the received card registration information to the validity verification unit 1320.

The validity confirming unit 1320 is configured to check whether the validity for the drug purchase payment settlement process using the card is satisfied with respect to at least one or more information included in the card registration information received from the information registration terminal.

According to the embodiment of the present invention, the validity check of the card registration information, the card ledger corresponding to the card information included in the card registration information is provided in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether it is done.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

When the validity of the card registration information is confirmed, the information storage unit 1325 stores the card information included in the card registration information and the pharmaceutical company account information in the storage medium by interlinking and storing the card information. When a medium is provided in the information registration server 1300 or on a network associated with the information registration server 1300, the information storage unit 1325 may include card information included in the received card registration information. It is preferable to link the pharmaceutical company account information to the storage medium, and if the storage medium is provided in a DBMS provided on the financial system, the information storage unit 1325 is included in the received card registration information. It is desirable to provide the card information and the pharmaceutical company account information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system. The.

14 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

More specifically, FIG. 14 shows the card included in the card registration information in the ledger information included in the ledger D / B when the storage medium shown in FIG. 13 is the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method of linking and storing the information and the pharmaceutical company account information is shown, and a person of ordinary skill in the art to which the present invention pertains, with reference to or modified in this drawing 14 ledger D / Various information configuration methods for storing the card registration information in B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Fig. 14 according to an embodiment of the present invention, the card ledger corresponding to the card opened in the name of the pharmacy (or pharmacist) included in the card registration information is processed in association with the account ledger corresponding to the pharmaceutical company account. And the ledger D / B on the financial system, wherein the card ledger corresponding to the pharmacy card is processed in association with the ledger corresponding to the pharmacy account, and the ledger corresponding to the pharmacy account is the pharmacy. (Or a pharmacist) is characterized in that the process is linked to a predetermined customer ledger, the account ledger corresponding to the pharmaceutical company account is characterized in that the process is linked to a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB , Usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

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

In addition, the card ledger corresponding to the pharmacy account is characterized in that it is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information that must be included in the ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise a.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

15 is a diagram illustrating the configuration of card registration information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to another embodiment of the present invention. Figure is shown.

More specifically, FIG. 15 shows a card included in the card registration information in the database when the storage medium shown in FIG. 13 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. An information structure for an embodiment of a method of linking and storing information and pharmaceutical company account information is illustrated. If a person of ordinary skill in the art belongs to the present invention, the present invention may be referred to or modified in a predetermined database. It will be possible to infer various information configuration methods for storing the card registration information including the card information and pharmaceutical company account information in association with the ledger D / B, but the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Particularly, in FIG. 15, when it is not easy to store the card registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution shows the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the card registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 5 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in this figure, and a database on the Internet banking system or a telebanking system according to the intention of a person skilled in the art. It may be configured in the form of a database on the database, or a database on the wireless banking system, or a database on the TV banking system, whereby the present invention is not limited.

According to the present invention, the database is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association, the database is stored in the card registration information to be linked to the ledger D / B It is preferable to further include a CIF number identified through the included customer information.

Referring to Figure 15, the database is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association.

16 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a face-to-face manner for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

More specifically, FIG. 16 shows a storage medium shown in FIG. 13 in a DBMS provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In the case of an embodiment of the present invention, the pharmacy information included in the card registration information, the pharmacy account information, and the pharmacy account information are linked to and stored in the DBMS, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the figure 16, it is possible to infer a method of configuring information on card registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association.

FIG. 17 is a diagram illustrating a process of registering card information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 17 illustrates a case where the information registration server 1300 on the card information registration system shown in FIG. 13 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. The communication terminal for face-to-face card information registration for payment processing according to the purchase of a predetermined item by an item purchaser (eg, a pharmacy) according to the present invention by accessing the information terminal server 1300 After the connection, and transmits the card registration information including the card information and the pharmaceutical company account information to the information registration server 1300 through the communication channel, the received card registration information from the information registration server 1300 The present invention relates to an implementation method of linking card information included in a pharmaceutical company's account information and storing it in a predetermined storage medium. Those skilled in the art will be able to infer various implementation methods for registering the card registration information from the window terminal to the information registration server 1300 by referring to or modifying the drawing 17, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the window terminal shown in FIG. 13 is called "terminal" for convenience, and the information registration server 1300 shown in FIG. 13 is called "server" for convenience, and the information is registered in the window terminal. The card information and the pharmaceutical company account information transmitted to the server 1300 are referred to as "card registration information" for convenience.

Referring to FIG. 17, the teller terminal shown in FIG. 13 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the card registration information, and purchases the goods (eg, a pharmacy, etc.). (1700), the server generates (or extracts) a predetermined information registration interface for registering the card registration information (1705). In operation 1710, the information registration interface generated (or extracted) is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) card registration information including at least one of the pharmacy information, pharmacy card information, and pharmacy account information in the terminal. desirable.

Thereafter, the terminal inputs (or selects) card registration information including at least one or more pharmacy information, pharmacy card information, and pharmacist account information through the information registration interface (1715).

If the terminal receives (or selects) card registration information including the card information, the pharmacy account information, and the pharmacist account information through the information registration interface (1720), the terminal receives the input (or The card registration information including the selected pharmacy information, the pharmacy card information, and the pharmaceutical company account information is transmitted to the server (1725).

Thereafter, the server receives and reads the pharmacy information, the pharmacy card information, and the pharmaceutical company account information through the financial network to confirm the validity of the card registration information (1730).

According to the embodiment of the present invention, the validity check of the card registration information, the card ledger corresponding to the card information included in the card registration information is provided in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether it is done.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

If the validity of the card registration information is not authenticated (1735), the server generates predetermined information registration error information and transmits it to the terminal (1740), and does not perform an information registration procedure corresponding to the card registration information. Do not.

On the other hand, if the validity of the card registration information is authenticated (1735), the server performs the information registration procedure corresponding to the card registration information, so that the pharmacy information, pharmacy card information and pharmaceutical company account information included in the card registration information The association process stores the data in a predetermined storage medium (1745).

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

According to another embodiment of the present invention, the storage medium is at least one or more of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1750), thereby completing the procedure of registering the card registration information transmitted from the terminal.

18 is a diagram illustrating a non-face-to-face card information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention.

In more detail, Figure 18 is a card information registration system through a predetermined information registration interface in a given pharmacy, the pharmacy information and the pharmacy for payment processing according to the purchase of a predetermined item by a buyer (eg, a pharmacy) according to the present invention. When providing card registration information including at least one of card information and pharmacist account information, the card information registration system associates the pharmacy information, the pharmacy card information, and the pharmacist account information included in the provided card registration information to a predetermined process. As a configuration of a system for storing in a storage medium, those skilled in the art to which the present invention pertains can refer to or modify this drawing 18, according to the purchase of a predetermined item by the purchaser of the article (for example, a pharmacy). Be able to infer various implementation methods for the card information registration system for payment processing I, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 18.

Hereinafter, on the card information registration system shown in FIG. 18, at least one means or function corresponding to the functional configuration for storing the card registration information provided from the pharmacy through the predetermined information registration interface on the storage medium is provided for convenience. It is referred to as "information registration server 1800".

Referring to FIG. 18 according to an embodiment of the present invention, a card information registration system for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to the present invention may be registered in the pharmacy. And at least one information registration terminal including at least one client terminal including at least one wired terminal or at least one wireless terminal for use, wherein the information registration terminal registers the card information through a predetermined network means. The communication channel is connected to the information registration server 1800 provided on the system.

According to one embodiment of the invention, the pharmacy is connected to the information registration server 1800 through at least one or more client terminals of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, and the information When the card registration information is input (or selected) for payment processing according to the purchase of a predetermined item of the item buyer (eg, a pharmacy) according to the present invention through at least one user interface provided by the registration server 1800, Preferably, the client terminal transmits the input (or selected) card registration information to the information registration server 1800 provided on the card information registration system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) 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 portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the information registration server 1800 connected to the client terminal may be either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 1800 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1800, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 1800. 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 information registration server 1800) 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 card information registration system as described above, at least one of a client terminal including at least one wired terminal or a wireless terminal used for registration of the card information at the pharmacy, and at least one of connecting the client terminal and the information registration server 1800. One or more wired networks or wireless networks perform a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item by an article buyer (eg, a pharmacy) according to the present invention.

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

In the card information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 1800. ) Is connected to the financial network performs a function of an information registration interface for registering the card registration information for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy, etc.), or the information registration terminal is In the case of a call terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1800 is an article buyer according to the present invention in the pharmacy. Performs a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item (for example, a pharmacy), or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the The network connecting the information registration server 1800 has a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item of a goods buyer (eg, a pharmacy) according to the present invention in the pharmacy. To perform.

The storage medium provided on the information registration system according to the present invention is characterized in that the card information included in the card registration information provided from the information registration terminal and the pharmaceutical company account information stored in association.

Here, the card information, the card-specific information including the card number, CVS, expiration date and the like, the name of the place of business (pharmacy), the name of the representative (pharmacist), the place of business address, the place of business phone number, mobile phone number, business registration number, pharmacist license Card customer personal information including at least one of a number and the like.

The payment account information, in the process of issuing the card, includes a payment account for the withdrawal of the credit card payment, the payment account is processed in connection with the pharmaceutical company account information in accordance with the method of the present invention the storage medium (Or ledger D / B on the financial system).

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

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

According to another embodiment of the present invention, the storage medium is at least one or more of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 1800 provided on the card information registration system according to the present invention is a generic term for the components of the card information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1800 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1800 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 1800 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1800 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a program on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1800 is characterized by comprising an interface unit 1805 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1805 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined 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. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. 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 is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1800, the interface unit 1805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1805 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1805 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 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.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 1800, the interface unit 1805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1805 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1805 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 18, the information registration server 1800 is linked to the interface unit 1805 when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805. An interface providing unit 1810 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration information from the registration terminal to the information registration terminal, and the interface unit 1805. An information receiving unit 1815 for receiving predetermined card registration information inputted (or selected) and transmitted from the information registration terminal through the user interface, and the card information and the pharmaceutical company account included in the received card registration information. And an information storage unit 1825 for cooperatively processing the information and storing the information in a predetermined storage medium.

The interface providing unit 1810, when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805, the card registration information corresponding to the functional configuration provided in the information registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the information registration server 1800 via the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 1805. And provide the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) card registration information including at least one of the card information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) card. Information is transmitted to the information registration server 1800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1810 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1810 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1805.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1810 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 1810 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1805. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1810 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1805.

The information receiving unit 1815 inputs (or selects) card registration information including at least one of card information, pharmacy account information, and pharmacist account information through the user interface through the user interface, and transmits the information through the network means. The card registration information is received in cooperation with the interface unit 1805, and the received card registration information is provided to the validity verification unit 1820.

The validity confirming unit 1820 is a feature for checking whether the card registration information received from the information registration terminal satisfies the validity for payment processing according to the drug purchase of the pharmacy.

According to the embodiment of the present invention, the validity check of the card registration information, the card ledger corresponding to the card information included in the card registration information is provided in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether it is done.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

When the validity of the card registration information is confirmed, the information storage unit 1825 stores the card information included in the card registration information and the pharmaceutical company account information in association with the storage medium to store in the storage medium. Is provided in the information registration server 1800 or on the network associated with the information registration server 1800, the information storage unit 1825 is the card information included in the received card registration information and pharmaceutical company Preferably, the account information is linked and stored in the storage medium. When the storage medium is provided in a DBMS provided on a financial system, the information storage unit 1825 includes a card included in the received card registration information. It is desirable to provide the information and pharmaceutical company account information to the information system through the external system on the financial system and to store in the DBMS provided on the financial system.

19 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

In more detail, in FIG. 19, when the storage medium shown in FIG. 18 is a ledger D / B provided in a DBMS on a financial system, the card included in the card registration information is included in the ledger information provided in the ledger D / B. The information structure for one embodiment of the method of linking and storing the information and the pharmaceutical company account information is shown, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 19 to obtain the ledger D / Various information configuration methods for storing the card registration information in B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Fig. 19 according to an embodiment of the present invention, the card ledger corresponding to the card opened in the name of the pharmacy (or pharmacist) included in the card registration information is processed in association with the account ledger corresponding to the pharmaceutical company account. And the ledger D / B on the financial system, wherein the card ledger corresponding to the pharmacy card is processed in association with the ledger corresponding to the pharmacy account, and the ledger corresponding to the pharmacy account is the pharmacy. (Or a pharmacist) is characterized in that the process is linked to a predetermined customer ledger, the account ledger corresponding to the pharmaceutical company account is characterized in that the process is linked to a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB , Usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

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

In addition, the card ledger corresponding to the pharmacy account is characterized in that it is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information that must be included in the ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

20 is a card registration information stored in a database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 20, when the storage medium shown in FIG. 18 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system, the pharmacy included in the card registration information is included in the database. Information configuration of an embodiment of the method of storing the information and the pharmacy card information and the pharmaceutical company account information in association with, and those of ordinary skill in the art to which the present invention belongs, reference or modification It will be possible to infer a variety of information configuration method for storing the card registration information including the pharmacy information, pharmacy card information and pharmaceutical company account information in a predetermined database in association with the ledger D / B, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 20, when it is not easy to store the card registration information in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the card registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 20 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 20, and a database on the Internet banking system, or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to the present invention, the database is characterized in that the pharmacy information contained in the card registration information, the pharmacy account information and the pharmaceutical company account information is stored in association, the database is linked to the ledger D / B It is preferable to further include a CIF number confirmed through the customer information included in the card registration information.

Referring to FIG. 20, the database stores and stores the pharmacy information included in the card registration information, the pharmacy card information, and the pharmacy account information.

21 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

More specifically, FIG. 21 shows a storage medium shown in FIG. 18 provided in a DBMS provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In this case, the DBMS relates to an embodiment of a method of linking and storing the card information included in the card registration information and the pharmaceutical company account information in the DBMS. By referring to or modifying it, it is possible to infer a method of configuring information on card registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. It is not limited to the illustrated implementation method.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association.

22 is a diagram illustrating a process of registering card information in a non-face-to-face manner for payment processing according to a predetermined purchase of a drug product buyer according to an embodiment of the present invention.

In more detail, in FIG. 22, when the information registration server 1800 on the card information registration system shown in FIG. 18 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 1800 and connecting a communication channel for information registration according to the present invention, through the communication channel to the information registration server 1800 the pharmacy information and pharmacy card account information and pharmaceutical company account When the card registration information including the information is transmitted, the information registration server 1800 processes the pharmacy information included in the received card registration information, the pharmacy card information, and the pharmaceutical company account information in a predetermined storage medium. As a method of implementation, those skilled in the art to which the present invention pertains may refer to or modify this drawing 22. Various implementation methods for registering the card registration information from the client terminal to the information registration server 1800 may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. 22. It is not limited to this.

Hereinafter, in FIG. 22, the client terminal shown in FIG. 18 is referred to as "terminal" for convenience, and the information registration server 1800 shown in FIG. 18 is called "server" for convenience, and the information is registered in the client terminal. The pharmacy information, the pharmacy card information, and the pharmaceutical company account information transmitted to the server 1800 are referred to as "card registration information" for convenience.

Referring to Figure 22, the client terminal shown in Figure 18 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register card registration information for payment processing according to a purchase of a predetermined item by the buyer of the item (eg, a pharmacy) Connection, and requesting registration of the card registration information (2200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the card information (2205), and establishes the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (2210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) card registration information including at least one of the pharmacy information, pharmacy card information, and pharmacy account information in the terminal. desirable.

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

Thereafter, the terminal inputs (or selects) card registration information including at least one or more pharmacy information, pharmacy card information, and pharmacist account information through the information registration interface (2215).

If the terminal receives (or selects) card registration information including the pharmacy information, the pharmacy card information, and the pharmacist account information through the information registration interface (2220), the terminal receives the input (or The selected pharmacy information, the pharmacy card information, and the pharmaceutical company account information are transmitted to the server (2225).

According to an embodiment of the present invention, transmitting the input (or selection) of the pharmacy information, the pharmacy card information, and the pharmacist account information to the server through the communication channel is input (or selection) through the information registration interface. The method may further include transmitting the card registration information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server checks the validity of the card registration information by receiving and reading the pharmacy information, the pharmacy card information, and the pharmaceutical company account information through the communication channel (2230).

According to an embodiment of the present invention, the validity of the card registration information is determined by: a card ledger corresponding to the card information included in the card registration information in the ledger D / B on the financial system associated with the card information registration system. It is preferable to include checking whether this is provided.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

If the validity of the card registration information is not authenticated (2235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2240), and information corresponding to the card registration information. Do not perform the registration process.

On the other hand, if the validity of the card registration information is authenticated (2235), by performing the information registration procedure corresponding to the card registration information, the server and the card information and the pharmaceutical company account information is stored in a predetermined storage medium (2245).

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

According to another embodiment of the present invention, the storage medium is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2250), thereby completing the procedure of registering the card registration information transmitted from the terminal.

FIG. 23 is a view showing a loan condition information registration system of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to an embodiment of the present invention.

In more detail, Figure 23 is the loan condition information registration system through the predetermined information registration interface in the pharmacy when the payment processing according to the drug purchase of the pharmacy, due to the lack of the balance of the medicine payment account can be processed the payment price If none, or at the request of the buyer (pharmacy, etc.), and provide loan condition information for automatically processing a predetermined loan for the settlement, the loan condition information registration system provides the loan condition information to the pharmacy The present invention relates to a system configuration for storing and registering in connection with account information in a predetermined storage medium. Those skilled in the art to which the present invention pertains may refer to or modify this drawing 23 to obtain loan condition information from the pharmacy. Loan condition information registration system that stores and registers in a predetermined storage medium by linking with account information Would be able to infer a variety of exemplary methods for the configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 23.

Hereinafter, in the loan condition information registration system shown in FIG. 23, the loan condition information provided from the buyer (eg, a pharmacy) through the predetermined information registration interface is processed in association with the pharmacy account information to store the storage medium (or Components corresponding to at least one or more means or functional configurations for storage in the ledger D / B on the financial system are referred to as " information registration server 2300 " for convenience.

Referring to this figure 23 according to an embodiment of the present invention, when the payment process cannot be processed due to the lack of the balance of the medicine payment account, when the payment process according to the drug purchase of the pharmacy, for the payment The loan condition information registration system for registering loan condition information for automatically processing a predetermined loan comprises an information registration terminal including a teller terminal provided at at least one financial institution branch. The registration terminal is connected to the communication channel and the information registration server 2300 provided on the loan condition information registration system through a predetermined financial network.

According to one embodiment of the present invention, when the pharmacy is unable to process the payment due to lack of balance of the medicine payment account, etc., when the payment processing according to the drug purchase, a predetermined loan for the payment is automatically Visit the financial institution branch (or the head office or a branch) to register the predetermined loan condition information for processing the information, and through the window provided at the financial institution branch (or through a clerk) to purchase medicines of the pharmacy In the case of payment processing, if the payment amount cannot be processed due to lack of balance of the medicine payment account, etc., a form for filling in at least one information item for automatically processing a predetermined loan for the payment is The documents provided, and submit the completed application to the counter staff, the counter staff will The information entered in the application is input (or selected), and the teller terminal transmits the input (or selected) information to the information registration server 2300 provided on the loan condition information registration system through the financial network. It is desirable to transmit.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 2300 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 2300 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 2300. Do.

In the loan condition information registration system as described above, an application created at the pharmacy, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 2300 are purchased at the pharmacy. Information payment interface for registering loan condition information for automatically processing a predetermined loan for the payment when the payment amount cannot be processed due to insufficient balance of the medicine payment account, etc. Can perform the function of.

The storage medium provided on the loan condition information registration system according to the present invention is characterized in that the loan condition information provided from the information registration terminal and the pharmacy account information corresponding to the loan condition information is stored in association.

Here, the loan condition information, pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company information), etc. Characterized in that it comprises at least one or more.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the 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 storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 2300 provided on the loan condition information registration system according to the present invention is a generic term for the loan condition information registration system side component connected to the information registration terminal through a predetermined financial network, and includes at least one or more information. It may be implemented by including a 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 an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 2300 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1300 is characterized in that it comprises an interface unit 2305 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 2305 communicates with the window terminal 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) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 23, the information registration server 1300 is connected with the interface unit 2305 when the predetermined information registration terminal is connected to the information registration server 2300 through the interface unit 2305. An interface providing unit 2310 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined loan condition information from a registration terminal and providing the same to the information registration terminal; and the interface unit 2305. And an information receiver 2315 for receiving predetermined loan condition information inputted (or selected) and transmitted from the information registration terminal through the user interface, and validity checking for validity of the received loan condition information. The unit 2320 and the loan condition information of which the validity is confirmed are stored in association with the pharmacy information (or pharmacy operator information) and account information. And an information storage unit (2325) for storing a body is characterized in that formed.

The interface providing unit 2310 may provide the loan condition information in response to a functional configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 2300 through the interface unit 2305. Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 2300 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 2305. And provide the generated (or extracted) user interface to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) the loan condition information based on the user interface, and transmits the input (or select) loan condition information to the information registration server 2300 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 2310 may provide a predetermined user interface provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 2305.

The information receiving unit 2315 is a pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, through the user interface in the information registration terminal, Receiving the loan condition information in conjunction with the interface unit 2305 when inputting (or selecting) loan condition information including at least one of pharmaceutical company account information (or pharmaceutical company information) and transmitting the same through the financial network. The received loan condition information is provided to the validity verification unit 2320.

The validity confirming unit 2320 is configured to process a loan for a predetermined payment amount for at least one or more pieces of information included in the loan condition information received from the information registration terminal, when a payment is processed according to the purchase of a pharmacy. It is characterized by checking whether the validity is satisfied.

According to an embodiment of the present invention, the validity of the loan condition information is determined by the account ledger corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system. It is preferable to include checking whether it is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

When the validity of the loan condition information is confirmed, the information storage unit 2325 stores the loan condition information in association with the pharmacy (or pharmacy operator) information and the account information to store in the storage medium. When the storage medium is provided in the information registration server 2300 or on the network associated with the information registration server 2300, the information storage unit 2325 is included in the received loan condition information. The pharmacy (or pharmacy operator) and account information is preferably stored in the storage medium by linking, if the storage medium is provided in a DBMS provided on the financial system, the information storage unit 2325 is the received DBM provided on the financial system by providing pharmacy (or pharmacy operator) information and account information included in the loan condition information to the information system through the external system on the financial system. It is preferable to store in S.

24 is a view illustrating a loan condition information registration process of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to an embodiment of the present invention.

In more detail, FIG. 24 shows that the payment price can be processed on the basis of the lack of the balance of the medicine payment account when the payment process is performed according to the purchase of the medicine by the loan condition information registration system through a predetermined information registration interface in the pharmacy. If it is not possible, or at the request of the pharmacy (item purchaser, etc.), and provide loan condition information for automatically processing a predetermined loan for payment of the purchase price, the loan condition information registration system provides the loan condition information. To a process of storing and registering in a predetermined storage medium by linking with the pharmacy account information, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this drawing 24 to obtain loan condition information Loan condition information registration and storage and registration in a predetermined storage medium by processing in conjunction with the pharmacy account information and Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 24.

Hereinafter, in Fig. 24, the window terminal shown in Fig. 23 is referred to as a "terminal" for convenience, and the information registration server 2300 shown in Fig. 23 is referred to as a "server" for convenience, and the information is registered in the window terminal. At the time of payment processing according to the drug purchase of the pharmacy transmitted to the server 2300, the condition information for processing the loan for a predetermined payment price is referred to as "loan condition information" for convenience.

Referring to FIG. 24, when the teller terminal shown in FIG. 23 connects to the server through a predetermined financial network and processes payment according to the purchase of medicines of the pharmacy, a predetermined payment for processing a loan for a predetermined payment amount is made. When a predetermined communication channel for registering loan condition information is connected and the information registration is requested (2400), the server generates (or extracts) a predetermined information registration interface for registering the loan condition information (2405). In step 2410, the information registration interface generated (or extracted) is transmitted to the terminal through the communication channel.

According to the embodiment of the present invention, the information registration interface is the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, It is preferable to include a user interface for inputting (or selecting) loan condition information including at least one or more pharmaceutical company account information (or pharmaceutical company information).

Then, the terminal through the information registration interface at least one or more pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information ( Or (1515) loan condition information including pharmaceutical company information).

If the terminal through the information registration interface the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company) When the loan condition information including at least one of the information) is input (or selected) (2420), the terminal transmits the loan condition information input (or selected) to the server through the financial network (2425). .

Then, the server through the financial network the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company) Receiving and reading loan condition information including at least one of information) and the like to check the validity of the loan condition information (2430).

According to an embodiment of the present invention, the validity of the loan condition information is determined by the account ledger corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system. It is preferable to include checking whether it is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

If the validity of the loan condition information is not authenticated (2435), the server generates predetermined information registration error information and transmits it to the terminal (2440), and does not perform an information registration procedure corresponding to the loan condition information. Do not.

On the other hand, if the validity of the loan condition information is authenticated (2435), the server performs an information registration procedure corresponding to the loan condition information, so that the pharmacy information (or pharmacy operator information) and account information included in the loan condition information (2445) is stored in a predetermined storage medium by link processing.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the 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 storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2450), thereby completing the procedure of registering the loan condition information transmitted from the terminal.

FIG. 25 is a diagram illustrating a non-face-to-face loan condition information registration system for processing a loan for a predetermined payment amount in a payment process according to a drug purchase in a pharmacy according to another embodiment of the present invention.

In more detail, Figure 25 is a loan condition information registration system through a predetermined information registration interface in a predetermined pharmacy, a predetermined loan condition for processing a loan for a predetermined payment amount at the time of payment processing according to the drug purchase of the pharmacy When the information is provided, the loan condition information registration system relates to a system configuration for storing the pharmacy information (or pharmacy operator information) included in the provided loan condition information and account information in a predetermined storage medium, the present invention, For those skilled in the art, refer to or modify this figure 25 in the configuration of the loan condition information registration system for processing the loan for a predetermined payment when the payment processing according to the drug purchase of the pharmacy Various implementation methods may be inferred, but the present invention is directed to all implementations inferred above. Inclusion and shall not be limited to the exemplary method shown in the figure 25.

Hereinafter, on the card information registration system shown in FIG. 25, at least one component or function corresponding to the functional configuration for storing the card registration information provided from the pharmacy through the predetermined information registration interface on the storage medium is provided for convenience. It is referred to as "information registration server 2500".

Referring to this figure 25 according to the embodiment of the present invention, the loan condition information registration system for processing a loan for a predetermined payment amount in the payment processing according to the drug purchase of the pharmacy, the loan condition information in the pharmacy And an information registration terminal including at least one client terminal including at least one wired terminal or a wireless terminal used for registration, wherein the information registration terminal comprises the loan condition through a predetermined network means. The communication channel is connected to the information registration server 2500 provided on the information registration system.

According to an embodiment of the present invention, the pharmacy is connected to the information registration server 2500 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, and the information When the payment processing according to the purchase of medicines of the pharmacy through the at least one user interface provided by the registration server 2500, if the loan condition information for processing a loan for a predetermined payment amount (or selected), It is preferable that the client terminal transmits the input (or selected) loan condition information to the information registration server 2500 provided on the loan condition information registration system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) 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 portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the information registration server 2500 connected to the client terminal may be either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 2500 may be a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one user interface provided by the information registration server 2500, and inputs or selects at least one or more information through the user interface to transmit the information registration server 2500 to the information registration server 2500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2500, etc.) is provided.

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

In the card information registration system as described above, at least one client terminal including at least one wired terminal or a wireless terminal used for registration of the card information in the pharmacy, and at least connecting the client terminal and the information registration server 2500. At least one wired network or a wireless network performs a function of an information registration interface for registering loan condition information for processing a loan for a predetermined payment amount, when a payment is processed according to a drug purchase of the pharmacy.

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

In the card information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 2500 ) Is connected to the financial network performs a function of the information registration interface for registering the loan condition information for processing the loan for a predetermined payment amount, when the payment process according to the drug purchase of the pharmacy, or the information registration terminal In the case of the call terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2500 according to the purchase of medicines of the pharmacy In the payment process, performs a function of the information registration interface for registering the loan condition information for processing the loan for the predetermined payment amount, or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is an information registration terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the The network connecting the information registration server 2500 performs a function of an information registration interface for registering loan condition information for processing a loan for a predetermined payment price, when a payment process is performed according to a drug purchase of the pharmacy.

The storage medium provided on the information registration system according to the present invention is characterized in that the loan condition information provided from the information registration terminal and the pharmacy account information corresponding to the loan condition information is stored in a cooperative process.

Here, the loan condition information, pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company information), etc. Characterized in that it comprises at least one or more.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the 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 storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 2500 provided on the loan condition information registration system according to the present invention is a generic term for the loan condition information registration system side component connected to the information registration terminal through a predetermined network means, and includes at least one or more information. It may be implemented by including a 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 an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 2500 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2500 is configured on the wireless banking system. Is a predetermined wireless banking server provided in the program, or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2500 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 2500 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to the embodiment of the present invention, the information registration server 2500 is characterized by comprising an interface unit 2505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 2505 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined 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. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. 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 is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 2500, the interface unit 2505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 2505 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2505 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 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.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 2500, the interface unit 2505 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2505 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2505 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 25, when the predetermined information registration terminal is connected to the information registration server 2500 through the interface unit 2505, the information registration server 2500 cooperates with the interface unit 2505 to provide the information. An interface providing unit 2510 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan condition information from the registration terminal to the information registration terminal; and the interface unit 2505. And an information receiver 2515 for receiving predetermined loan condition information inputted (or selected) and transmitted from the information registration terminal through the user interface, and the received loan condition information for pharmacy (or pharmacy operator) information. And an information storage unit 2525 for linking and storing account information in a predetermined storage medium.

The interface providing unit 2510, when a predetermined information registration terminal is connected to the information registration server 2500 through the interface unit 2505, the loan condition information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 2500 via the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 2505. And provide the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal is based on the user interface pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information And input (or select) loan condition information including at least one or more (or pharmaceutical company information), and transmit the input (or select) loan condition information to the information registration server 2500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 2510 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2505.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface provider 2510 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 2505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 2510 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface provider 2510 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 2505. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2510 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2505.

The information receiving unit 2515 is a pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, through the user interface in the information registration terminal, Receiving the loan condition information in conjunction with the interface unit 2505 when inputting (or selecting) loan condition information including at least one of pharmaceutical company account information (or pharmaceutical company information) and transmitting the same through the network means. And provide the received loan condition information to the validity verification unit 2520.

The validity confirming unit 2520 is characterized in that whether the loan condition information received from the information registration terminal satisfies the validity for processing the loan for a predetermined payment price, when the payment processing according to the drug purchase of the pharmacy .

According to an embodiment of the present invention, the validity of the loan condition information is determined by the account ledger corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system. It is preferable to include checking whether it is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

When the validity of the loan condition information is confirmed, the information storage unit 2525 may store the loan condition information in the storage medium by linking the pharmacy (or pharmacy operator) information and account information. When the storage medium is provided in the information registration server 2500 or on a network associated with the information registration server 2500, the information storage unit 2525 may store the received loan condition information in the pharmacy ( Or a pharmacy operator) and store the information and the account information in the storage medium in association with each other. When the storage medium is provided in a DBMS provided on the financial system, the information storage unit 2525 may receive the received loan. Providing the condition information, the pharmacy (or pharmacy operator) information and account information to the information system through the external system on the financial system to the DBMS provided on the financial system It is desirable to store.

FIG. 26 is a diagram illustrating a non-face-to-face loan condition information registration process for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to another embodiment of the present invention.

More specifically, FIG. 26 is a loan condition information registration system shown in FIG. 25 through a predetermined information registration interface at a predetermined pharmacy, and processes a loan for a predetermined payment amount in a payment process according to a drug purchase of the pharmacy. When the predetermined loan condition information is provided, the loan condition information registration system is configured to process the pharmacy information (or pharmacy operator information) included in the provided loan condition information and account information in a predetermined storage medium. As for those skilled in the art to which the present invention pertains, a loan for processing a loan for a predetermined payment amount in the payment processing according to the medicine purchase of the pharmacy by referring to or modifying this drawing 26 Various implementation methods for the condition information registration process may be inferred, but the present invention is inferred from the above Including exemplary method, and shall not be limited to the exemplary method shown in the figure 26.

Hereinafter, in FIG. 26, the client terminal shown in FIG. 25 is referred to as "terminal" for convenience, and the information registration server 2500 shown in FIG. 25 is called "server" for convenience, and the information registration is performed in the client terminal. The pharmacy information, the pharmacy card information, and the pharmaceutical company account information transmitted to the server 2500 are referred to as "card registration information" for convenience.

Referring to FIG. 26, the client terminal illustrated in FIG. 25 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Predetermined communication for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and registering loan condition information for processing a loan for a predetermined payment amount, when a payment is processed according to a drug purchase of the pharmacy; When the channel is connected and the loan condition information is requested to be registered (2600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the loan condition information (2605), and the communication is performed. The generated (or extracted) web page is transmitted to the terminal and output through the channel (2610).

According to the embodiment of the present invention, the information registration interface is the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, It is preferable to include a user interface for inputting (or selecting) loan condition information including at least one or more pharmaceutical company account information (or pharmaceutical company information).

In addition, the web page transmission or output process is preferably performed at least once according to the loan condition information registration procedure, thereby the present invention is not limited.

Then, the terminal through the information registration interface at least one or more pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information ( Or (2515) loan condition information including at least one of pharmaceutical company information).

If the terminal through the information registration interface the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company) When the loan condition information including at least one of the information) is input (or selected) (2620), the terminal transmits the loan condition information input (or selected) to the server through the communication channel (2625). .

According to an embodiment of the present invention, the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan, which is input (or selected) through the communication channel Transmitting loan condition information including at least one or more account information, pharmaceutical company account information (or pharmaceutical company information) to the server, the loan condition information input (or selected) through the information registration interface is provided in the terminal; The method may further include transmitting the electronic signature or encryption through the security module to the server.

Thereafter, the server receives and reads the loan condition information through the communication channel to check the validity of the loan condition information (2630).

According to the implementation method of the present invention, confirming the validity of the loan condition information, the account corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system It is preferable to include checking whether the ledger is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

If the validity of the loan condition information is not authenticated (2635), the server generates a web page including predetermined information registration error information and transmits the web page to the terminal (2640), and information corresponding to the loan condition information is provided. Do not perform the registration process.

On the other hand, if the validity of the loan condition information is authenticated (2635), the server performs the information registration procedure corresponding to the loan condition information, thereby linking the loan condition information with the pharmacy (or pharmacy operator) information and account information Processing is performed and stored in a predetermined storage medium (2645).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the 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 storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2650), thereby completing the procedure of registering the loan condition information transmitted from the terminal.

27 is a diagram showing a functional configuration of a terminal apparatus having a purchase fund loan settlement processing function according to the embodiment of the present invention.

More specifically, Figure 27 provides the payment mode divided into the self-payment payment mode and the purchase payment loan payment mode when the payment processing according to the purchase of goods (for example, medicines, etc.), each of the above Regarding the configuration of a terminal device for generating a payment request authorization corresponding to a mode and processing a payment, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 27 to convert the pharmacy account into a payment account. By using a card to make a purchase, it is possible to infer various implementation methods for the terminal device function configuration for generating payment processing for the approval request corresponding to each mode according to the purchaser's selection. It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to or modify this drawing 27 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 terminal apparatus illustrated in FIG. 27 to a payment home appliance terminal equipped with the present invention may be inferred, and the functional configuration of the terminal apparatus illustrated in FIG. 27 is not limited to a specific terminal apparatus. .

Referring to FIG. 27, in the payment processing according to the purchase of the goods (eg, medicines, etc.), the payment mode is divided into a self-funded payment mode and a purchase fund loan payment mode, and each of the modes is selected according to the purchaser's selection. The terminal device for generating the approval request message corresponding to the payment processing is basically a control unit 2705, a memory unit 2745, a card interface 2700, a key input unit 2715, a screen output unit 2710, and a communication unit 2725. And a security application module 2730, a print output unit 2735, and a power supply unit 2720 for supplying power to the terminal device.

The control unit 2705 controls the overall operation of the terminal device according to the function configuration, manages the flow of information or data between each component, and sets the payment mode in the payment processing according to the purchase of the article (eg, medicine). Controlling the components provided in the terminal device to provide a self-payment payment mode and the purchase payment loan payment mode, and to generate a full text of the approval request corresponding to each of the modes according to the purchaser's choice to process the payment process And a bus for inputting and outputting at least one processor, an execution memory (for example, a register or a random access memory (RAM)), and predetermined data in hardware, including a central processing unit (CPU) / micro processing unit (MPU). (BUS), and in order to perform the functions specific to the terminal device in software A predetermined program routine (Routine) or program data loaded from the recording medium of the recording medium into the execution memory and arithmetic processed by the processor (hence, during the payment processing according to the purchase of the article (e.g., a medicine), The payment mode is divided into a self-funded payment mode and a purchase fund loan payment mode, and a recording medium provided in the terminal device for generating and processing the approval request message corresponding to each mode according to the purchaser's selection. Using a predetermined program recorded or a card having the pharmacy account as a payment account (or loan account), software processing is performed among the functional configurations provided in the terminal device to perform payment processing for medicines sold by the pharmaceutical company. Possible components are shown in the control unit 2705) It characterized by that.

In particular, the controller 2705 is an operating system routine, system management routine, or system stored in a predetermined memory unit 2745 to control and manage the overall operation of the terminal device after the terminal device is booted in software. 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 2745 stores 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) for controlling the overall operation of the terminal device. General term for non-volatile memory for storage, including at least one or more storage means including a hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or flash memory (FM) or HDD (Hard Disk Drive) 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 control unit 2705 to perform a predetermined control function. do.

According to a preferred embodiment of the present invention, the memory unit 2745 provides the payment mode by dividing the payment mode into the self-funded payment mode and the purchase payment loan payment mode when the payment is processed according to the purchase of the article (eg, medicine). According to the purchaser's selection, it is preferable to store at least one or more specialized inclusion information in order to generate and process the approval request telegram corresponding to each mode, wherein the specialized inclusion information is the terminal device information (eg, CAT_ID information). Or unique information (such as a unique ID) of an item seller (eg, a pharmaceutical company).

The card interface 2700 provides the payment mode by dividing it into a self-funded payment mode and a purchase fund loan payment mode when the payment process is performed according to the purchase of the goods (eg, medicines). It provides an interface for reading at least one or more information or data provided in a predetermined card to generate a payment request authorization corresponding to the mode, and based on the ISO / IEC 7810 standard MS (Magnetic) Stripe) MS interface that provides an interface between a card and the terminal device, or a contact IC interface that provides an interface between a contact IC card and the terminal device or ISO / IEC 14443 standard based on the ISO / IEC 7816 standard. Including a contactless IC interface providing an interface between the contactless IC card and the terminal based on The.

The MS interface is a card interface 2700 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 by interfacing the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to the terminal device.

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

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

The key input unit 2715 is a terminal operator from a predetermined key input means including a plurality of number keys, a character key for inputting a character, a function key, and the like. It is characterized in that the user inputs the corresponding key data (Key Data) generated by clicking a predetermined key to the control unit 2705, the control unit 2705 reads the key data input through the key input unit 2715 And a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the terminal device.

According to the exemplary embodiment of the present invention, the key input unit 2715 provides the payment mode by dividing the payment mode into the self-funded payment mode and the purchase payment loan payment mode when the payment is processed according to the purchase of the article (eg, medicine). It is preferable to perform a function of a key input means for receiving predetermined payment amount information for generating a payment request message corresponding to each mode according to a purchaser's selection.

For example, the key input unit 2715 receives key data corresponding to each payment mode of the terminal device in the payment processing process and transmits the key data to the control unit 2705, and transmits the key data to each payment mode through the control unit 2705. The corresponding payment process is performed.

The screen output unit 2710 may perform the predetermined function (for example, a payment processing function for a drug sold by the pharmaceutical company by using a card using the pharmacy account as a payment account). (2705) at least one information or data that 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) to a predefined screen interface And the information or data predefined to be output on the screen by the terminal device are inputted by the key data input through the key input unit 2715 or by a component included in the terminal device. Information (or data) stored or generated, information (or data) transmitted or received via the communication unit 2725, or image The information (or data) corresponding to a predetermined operation result performed by the terminal device comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 2710 provides the payment mode divided into the self-funded payment mode and the purchase payment loan payment mode when the payment processing according to the purchase of the goods (eg, medicines, etc.) And, it is preferable to perform the function of the screen output means for outputting a payment screen for generating a payment request for the approval process corresponding to each mode according to the selection of the goods buyer.

For example, when the payment mode is the self fund payment mode, the screen output unit 2710 outputs a payment processing screen corresponding to the self fund payment mode, and when the payment mode is the purchase money loan payment mode, the purchase A payment processing screen corresponding to the fund loan settlement mode is output.

The communication unit 2725 provides the payment mode by dividing the payment mode into a self fund payment mode and a purchase fund loan payment mode when the terminal device processes a payment according to a predetermined function (for example, the medicine (eg, medicine), etc.). The terminal connected to the terminal (or server) on the network or the terminal device via a predetermined cable in the process of performing the function of generating a payment request for the approval request corresponding to each mode according to the selection of the goods buyer ( Or a device) or a predetermined communication means for connecting a communication session with a terminal (or device) connected to the terminal device through a predetermined short-range wireless communication. Network communication unit 2725 for connecting a communication channel or a predetermined terminal (or device) through a predetermined cable communication port A cable communication unit 2725 for connecting a session, or a short range wireless communication unit 2725 for connecting a predetermined communication session with a predetermined short distance communication terminal (or device) through at least one or more short range wireless communication means, And a communication protocol or driver for connecting the communication channel (or communication session) by software.

The network communication unit 2725 may be a predetermined wired or mobile communication network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or connecting a communication channel with an information processing server on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and a modem for connecting the terminal device to a predetermined wired / wireless network in hardware. Or a network interface card (NIC), and includes a communication protocol or a driver for connecting the terminal device to the wired / wireless network by software.

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

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

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

According to an embodiment of the present invention, when the near field terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader, the near field communication unit 2725 may include at least one from the near field 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 security application module 2730 (Secure Application Module (SAM)) is the confidentiality (Authentication) or Authentication (Integrity) or required when the terminal device performs the electronic payment or electronic payment using the card or A security device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the terminal device without using an authentication server (or an information processing server) on a network, wherein the terminal device is a predetermined device. Encrypts or decrypts a message (information or data) that is processed in the course of performing a security request function (e.g., electronic payment or electronic payment function), and adds an authenticator to prevent forgery (or tampering) of the message; Or to store important key information in the process of performing the security request function. It characterized.

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

In addition, the security application module 2730 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) or key required for the terminal device to perform a predetermined security request function (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 protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / cancel command) It is preferable to make it.

The print output unit 2735 divides the payment mode into a self-funded payment mode and a purchase fund loan payment mode when the terminal device processes a payment according to a predetermined function (eg, the medicine (eg, medicine), etc.). Providing a predetermined information or data (e.g., a product self-payment settlement result) that is generated as a result of the process of performing a function of generating a payment request for the approval request corresponding to each mode according to the purchaser's selection Information (or data) or product purchase loan payment processing result information (or data) is output to a predetermined printing device 2740 (for example, a receipt printer), and the printing is performed in accordance with a predefined printing form. And a printing protocol and a driver for printing information or data through the printing apparatus 2740.

Referring to FIG. 27, in the payment processing according to the purchase of the goods (eg, medicines, etc.), the payment mode is divided into a self-funded payment mode and a purchase fund loan payment mode, and each of the modes is selected according to the purchaser's selection. The terminal device for generating a payment request authorization corresponding to the payment process is issued to the article buyer (for example, a pharmacy) through the card issuing system shown in FIG. 11 in association with the card interface 2700. A card reader unit 2750 for reading card information from a card or a card registered through the card information registration system shown in FIG. 13 or 18, and whether the payment processing mode is a self-funded payment mode or a purchase fund loan payment mode; A mode checking unit 2475 for checking, an information input unit 2755 for receiving information on purchase price of goods purchased by the buyer of the goods, and the payment mode A professional generation unit 2760 for generating a self-payment payment approval request text or a purchase fund loan payment approval request text including the card information and the purchase price information according to a verification result, and the generated self-payment payment approval request text or It is characterized in that it comprises a specialized transmission unit (2765) for transmitting the full payment of the loan payment settlement request request to the server through the payment network in connection with the communication unit (2725) (network communication unit), and linked with the communication unit (2725) And a specialized processing unit 2770 which receives and outputs a payment approval response message corresponding to the full payment settlement approval request message or the purchase fund loan payment approval request message from the information processing server through the payment network. do.

When the card having an account (or loan account) associated with the item seller (eg, a pharmaceutical company account) as a payment account is a predetermined MS card, the card reader unit 2750 is the card interface 2700 (eg, When the card is recognized through the MS interface, the card issued to the purchaser of the article (for example, a pharmacy, etc.) through the card issuing system shown in FIG. 11 or the card information registration system shown in FIG. It is characterized in that reading the predetermined card information (for example, card number, etc.) from the MS provided in the registered card.

When the card having an account (or loan account) associated with the goods seller (eg, pharmaceutical company) account as a payment account is a predetermined IC card, the card reader unit 2750 is the card interface 2700 (eg, When the card is recognized through the contact IC interface, a predetermined PIN is input through a PIN (Personal Identification Number) based IC card validity authentication procedure (for example, the key input unit 2715) in association with the key input unit 2715. Transmitting to the IC card through the card interface 2700 to verify confidentiality, authentication, integrity, and nonrepudiation of the IC card; When the validity of the IC card is authenticated, a card issued to the buyer of the item (for example, a pharmacy, etc.) through the card issuing system shown in FIG. 11 or the card shown in FIG. 13 or 18 The predetermined card information is read from the IC chip provided in the registered card through the information registration system.

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

The information input unit 2755 receives key input data corresponding to the payment mode (eg, self-payment payment mode, purchase payment loan payment mode, etc.) in connection with the key input unit 2715, The key input data corresponding to each payment mode received is transmitted to the full text generation unit 2760.

In addition, the information input unit 2755 may be connected to the key input unit 2715 to receive the price information of the purchased medicines and the purchased medicines (or items) to be processed through the card.

In addition, the information input unit 2755 is characterized in that it receives input of the amount of money to be processed for loan payment through the card in conjunction with the key input unit 2715.

For example, when the payment mode of the terminal device is the self-payment payment mode, the information input unit 2755 recognizes the input amount information as the self-payment payment processing amount, and when the payment mode is the purchase fund loan payment mode, input the information. The amount information will be recognized as the purchase amount loan payment amount.

According to the exemplary embodiment of the present invention, a payment amount (or loan amount) is input in connection with the key input unit 2715 or at least one or more purchased medicines through the cable communication unit 2725 or the short range wireless communication unit 2725. Or a payment amount (or loan amount) for the item) may be input.

When predetermined card information is read through the card reader unit 2750 and purchased medicine price information (or loan amount information) and purchased medicine (or item) information to be paid through the information input unit 2755 is input, the The full text generation unit 2760 may include the card information, the drug price information (or loan amount information) and the purchased medicine (or item) information, and at least one special information included in the memory unit 2745 (eg, a terminal device). Generate a payment approval request text including unique information and unique information of a seller (eg, a pharmaceutical company).

In this case, the full text generation unit 2760 generates the full text of the self-financing payment approval request when the payment mode of the terminal device is the self-payment payment mode, and the payment mode of the terminal device is the purchase money loan payment mode. , Characterized in that for generating the full text of the purchase payment loan approval request.

According to an embodiment of the present invention, the full text generation unit 2760 includes a transaction separator corresponding to each payment mode in the generated payment approval request message, and the payment approval is performed through the transaction separator. The server on the network that receives the request text can determine whether the corresponding payment approval request text is a full payment fund approval request text or a purchase payment loan approval request text.

According to the payment mode of the terminal device as described above, when the full fund self-payment payment request request or purchase funds loan payment approval request message is generated, the specialized transmission unit 2765 is connected to the communication unit 2725 (network communication unit) The generated self-fund payment approval request text or purchase funds loan payment approval request text is transmitted to a server corresponding to the card information through a payment network connected to the communication unit 2725 (network communication unit).

Thereafter, the specialized processing unit 2770 is connected to the communication unit 2725 (network communication unit) to make a payment corresponding to the full payment of the self-financing payment request request or the purchase payment loan approval request message from the information processing server through the payment network. Check whether the full text of the approval response is received, and if the full text of the payment approval response message corresponding to the full fund payment approval request message or the purchase payment loan payment approval request text is received from the information processing server through the payment network, the payment approval response The payment processing details included in the full text may be output through the screen output unit 2710 or printed through the print output unit 2735.

According to the implementation method of the present invention, when the payment processing according to the purchase of the article (eg, medicine, etc.), the payment mode is provided divided into the self-funded payment mode and the purchase payment loan payment mode, and according to the buyer's selection The terminal device for generating a payment request message corresponding to each mode and processing a payment may further include a tax invoice processing unit 2780 for outputting a tax invoice for the purchase of the goods.

Here, the tax invoice processing unit 2780 corresponds to the full fund payment approval request or purchase fund loan approval request message from the information processing server through the payment network in connection with the communication unit 2725 (network communication unit). When the payment approval response message is received, the tax invoice information stored in the memory of the terminal device when the self-payment payment approval request or the purchase payment loan approval approval request is successfully performed as a result of reading the received payment approval response message; For example, with reference to the supplier information including the business registration number, representative, address, business type, business type, etc.), it is characterized in that to output the tax invoice according to the purchase of the goods.

At this time, the information on the recipient (eg, buyer, pharmacy, etc.) to be included in the tax invoice may be keyed through the key input unit 2715.

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

In more detail, FIG. 28 is provided when the payment mode is divided into a self-funded payment mode and a purchase loan loan payment mode when the payment is processed according to the purchase of goods (eg, medicines) through the terminal device shown in FIG. When the payment mode is a self-payment payment mode according to a purchaser's selection, it is a process of generating a payment request for approval corresponding to the payment, and having a general knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing of FIG. 28, a payment request message corresponding to each mode is generated and processed according to the purchaser's choice by using a card having the payment account of the goods buyer (for example, a pharmacy) as the payment account. It will be possible to infer various implementation methods for the process, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 28, the terminal device shown in FIG. 27 registers a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or the card information shown in FIG. 13 or FIG. A card issued to the pharmacy (or pharmacy operator) through a card issuing system shown in FIG. 11 through a predetermined card reader for processing of purchase of medicines through a card registered through the system, or the drawing 13 or 18 The card information is read from the card registered through the card information registration system shown in FIG. 2800.

According to an embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. In the case of a predetermined MS card, when the card is recognized through a predetermined card reader, the terminal device issues a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. It is preferable to read predetermined card information from the MS provided in the registered card through the card information registration system shown in FIG.

According to another embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. Is a predetermined IC card, when the card is recognized by the card reader, the terminal (Personal Identification Number) based IC card validity authentication procedure in association with a predetermined key input means provided in the terminal device ( For example, a predetermined PIN may be input through the key input unit 2715 and transmitted to the IC card through the card interface 2700 to provide confidentiality, authentication, integrity, and the like with respect to the IC card. A procedure for confirming nonrepudiation) and the validity of the IC card is verified, the pharmacy through the card issuing system shown in FIG. It is preferable to read predetermined card information from the card issued to the (or pharmacy operator) or the IC chip provided in the registered card through the card information registration system shown in Figs. 13 or 18 above.

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

Thereafter, the terminal device checks whether the terminal device payment mode is a self fund payment mode or a purchase fund loan payment mode in association with the key input unit 2715 (2805).

According to the exemplary embodiment of the present invention, the terminal device may check whether the payment mode of the terminal device is entered into the self fund payment mode or the purchase fund loan payment mode through a predetermined key input means.

If the terminal device payment mode is confirmed as the self-funded payment mode (2810), the terminal device is a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. Alternatively, it is checked whether item price information and purchase item (or item) information to be settled through the card registered through the card information registration system shown in FIG. 18 are input (2815).

According to the exemplary embodiment of the present invention, the terminal device may check whether predetermined drug payment amount and purchased goods (or item) information are input through a predetermined key input means.

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

If the purchased medicine (or item) information and the payment amount thereof are confirmed (2820), the terminal device checks the card information, the payment amount and the purchased item (or item) information, and at least one full text stored in the terminal device memory. A full payment approval request message including the included information is generated (2825).

If the payment approval request message is generated (2830), the terminal device transmits the generated payment approval request message to the server corresponding to the card through a predetermined payment network (2835).

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

Thereafter, the terminal device periodically checks whether a payment approval response message including payment processing details corresponding to the payment approval request message is received from the information processing server through the payment network (2840).

If the payment approval response message is received through the payment network (2845), the terminal outputs a screen of payment processing details (for example, payment approval details or payment error details) included in the received payment approval response message. It outputs through a means, or outputs through the predetermined printing apparatus 2740 (2850).

Then, the terminal device checks whether the tax invoice issuance / output for the payment processing (2855), and if the input of the tax invoice issue / output request for the payment processing (purchase of goods) is confirmed (2860), the terminal device Supplier information stored in the memory unit (eg, supplier information including business registration number, representative, address, business type, business type, etc.) and supplier information inputted through the key input unit (eg, business registration number, representative, address, (2865) a tax invoice is issued / outputted, referring to the information on the recipient (including the type of business, the type of business, etc.).

29 is a flowchart illustrating an operation process of a terminal device according to another exemplary embodiment of the present invention.

In more detail, FIG. 29 is provided when the payment mode is divided into a self-funded payment mode and a purchase loan loan payment mode when the payment is processed according to the purchase of goods (eg, medicines) through the terminal device shown in FIG. 27. When the payment mode is a purchase loan loan payment mode according to a purchaser's selection, the payment mode is for a process of generating a payment request for a corresponding approval and payment processing, and a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to or modifying the drawing of FIG. 29, a payment processing process is generated by generating an authorization request message corresponding to each mode according to the purchaser's choice, using a card using the goods purchaser (for example, a pharmacy) account as a payment account. It would be possible to infer various implementation methods for the process, but the present invention includes all the implementation methods inferred , Only the exemplary method shown in the figure 29 is not limited its technical characteristics.

Referring to FIG. 29, the terminal device shown in FIG. 27 registers a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or the card information shown in FIG. 13 or FIG. A card issued to the pharmacy (or pharmacy operator) through a card issuing system shown in FIG. 11 through a predetermined card reader for processing of purchase of medicines through a card registered through the system, or the drawing 13 or 18 The card information is read from the card registered through the card information registration system shown in FIG. 2900.

According to one embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. 13 or 18. Is a predetermined MS card, when the terminal is recognized through a predetermined card reader, the card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. Alternatively, it is preferable to read predetermined card information from the MS provided in the registered card through the card information registration system shown in FIG.

According to another embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. Is a predetermined IC card, when the card is recognized by the card reader, the terminal (Personal Identification Number) based IC card validity authentication procedure in association with a predetermined key input means provided in the terminal device ( For example, a predetermined PIN may be input through the key input unit 2715 and transmitted to the IC card through the card interface 2700 to provide confidentiality, authentication, integrity, and the like with respect to the IC card. A procedure for confirming nonrepudiation) and the validity of the IC card is verified, the pharmacy through the card issuing system shown in FIG. It is preferable to read predetermined card information from the card issued to the (or pharmacy operator) or the IC chip provided in the registered card through the card information registration system shown in Figs. 13 or 18 above.

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

Thereafter, the terminal device checks whether the terminal device payment mode is a self fund payment mode or a purchase fund loan payment mode in association with the key input unit 2715 (2905).

According to the exemplary embodiment of the present invention, the terminal device may check whether the payment mode of the terminal device is entered into the self fund payment mode or the purchase fund loan payment mode through a predetermined key input means.

If the terminal device payment mode is confirmed as the purchase amount loan payment mode (2910), the terminal device is the card or the card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 13 or 18, it is checked whether the item price information and the purchased item (or item) information to be loaned through the card registered through the card information registration system shown in FIG. 18 are input.

According to the exemplary embodiment of the present invention, the terminal device may check whether predetermined loan payment amount and purchase item (or item) information are input through a predetermined key input means.

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

If the purchased medicine (or item) information and the loan payment amount thereof are confirmed (2920), the terminal device includes at least one of the card information, the loan payment amount, the purchased goods (or item) information, and the terminal device memory. A loan settlement approval request text including the full text of the above text is generated (2925).

If the loan settlement approval request message is generated (2930), the terminal device transmits the generated loan settlement approval request message to the server corresponding to the card through a predetermined payment network (2935).

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

Thereafter, the terminal device periodically checks through the payment network whether a payment approval response message including a loan payment processing history corresponding to the entire loan payment approval request message is received from the information processing server in operation 2940.

If the payment approval response message is received through the payment network (2945), the terminal outputs a screen of payment processing details (for example, payment approval details or payment error details) included in the received payment approval response message. It outputs through a means, or outputs through the predetermined printing apparatus 2740 (2950).

The terminal device checks whether the tax invoice is issued / outputted for the payment processing (2955), and when the input of the tax invoice issuance / output request for the payment processing (item purchase) is confirmed (2960). Supplier information stored in the memory unit (eg, supplier information including business registration number, representative, address, business type, business type, etc.) and supplier information inputted through the key input unit (eg, business registration number, representative, address, With reference to the supplier's information including the type of business, the type of business, and the like, the tax invoice is issued / outputted (2965).

30 is a diagram showing the configuration of an information processing system that performs payment processing for a predetermined purchase of goods in connection with a terminal device having a self-fund payment mode or a purchase fund loan payment mode according to an embodiment of the present invention. .

In more detail, in FIG. 30, through the account information registration system shown in FIG. 1 or 6, the pharmacy account information and the pharmacy account information provided from a certain buyer (eg, a pharmacy) are stored in the ledger D / In the process of payment processing for a medicine sold by a predetermined seller (eg, a pharmaceutical company) using a card which is stored in connection with B or a predetermined storage medium and uses the pharmacy account as a payment account, FIG. 27 The information processing system configuration, characterized in that the payment processing in conjunction with the terminal device shown in the self-payment processing or purchase payment loan payment processing, if one of ordinary skill in the art to which the present invention belongs, By referring to or modifying the drawing 30, the payment processing for the medicines sold by the pharmaceutical company is carried out by the self-payment payment processing or Various implementation methods for the configuration of the information processing system for the payment of the loan payment can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Referring to FIG. 30, an information processing system for processing a payment for a drug sold by a pharmaceutical company or paying a loan for a purchase fund is provided through an account information registration system shown in FIG. 1 or 6. The pharmacy account information and the pharmacy account information provided from a predetermined pharmacy (or pharmacy operator) are stored in association with the ledger D / B or a predetermined storage medium on the financial system, and the card is used as a payment account for the pharmacy account. Receives a terminal device for generating and transmitting a predetermined payment approval request text for the drug purchase payment processing of the pharmacy, or a payment for payment of the purchase loan, and a payment approval request message transmitted from the terminal device. Read the payment approval request text, the payment approval request text is the self-payment payment processor It is characterized in that it comprises an information processing server for determining whether the payment or loan payment payment processing, and the payment processing according to the determination result of the self-payment payment or purchase money loan payment processing.

In addition, the information processing server, the pharmacy account information stored and registered through the account information registration system shown in Figure 1 or 6, the pharmaceutical company account information associated with the pharmacy account, and the card shown in Figure 13 Interworking with a financial system having a card information that uses the pharmacy account that is stored and registered through the information registration system as a payment account, for a detailed description of the financial system, refer to FIG. 1 or 6, or 13; Detailed description of the financial system in FIG. 30 will be omitted for convenience.

In addition, the information processing server, CAT (Credit Authorization Terminal) for processing the purchase payment for a predetermined drug sold by the pharmaceutical company using a card that the pharmacy account linked to the pharmaceutical company account as a payment account, and And / or a terminal device including at least one Point Of Sales (POS) terminal or the like and connected through a predetermined network, wherein the terminal device is a predetermined network (eg, a financial common network, a value added VAN). Network) to form a predetermined payment network with the information processing server.

According to an exemplary embodiment of the present invention, the terminal device reads predetermined card information from the card through a predetermined card reader in a drug purchase price settlement process of the pharmacy, and predetermined payment amount through a predetermined key input device. Inputting information (or confirming payment information through a barcode reader (or RFID reader)), generating a payment approval request message including the card information and payment information, and transmitting the information to the information processing server through the network; It is preferable.

The terminal device may generate a payment approval request message corresponding to a self-payment payment mode or a purchase fund loan payment mode according to the payment mode of the terminal device, and generate the generated payment approval request message text to generate the network. Characterized in that the transmission to the information processing server through.

Those skilled in the art to which the present invention pertains include a terminal and a VAN or financial cooperative network that processes the drug purchase price payment using a card that uses a pharmacy account linked to the drug sales pharmacy account as a payment account. Since it will be familiar with the detailed technical features of the network to include, a detailed description thereof will be omitted for convenience.

Referring to FIG. 30 according to an embodiment of the present invention, the information processing server includes card information and payment price information for purchasing medicines from the terminal device through the network (eg, a financial common network or a VAN). When the payment approval request message is received through the professional receiving unit 3005 for receiving the payment approval request text and the text receiving unit 3005, the received payment approval request text is read, and the payment approval request message is self-funded. A professional reading unit 3010 for checking whether the payment approval request is a full text or the purchase payment loan payment approval request, and a pharmacy account (payment account) information corresponding to the card information included in the payment approval request text in association with the storage medium. And an information confirmation unit 3020 for confirming the pharmaceutical company account information stored in association with the pharmacy account, and the payment approval request specialist In the case of a payment approval request specialist, the payment processing unit that determines whether the amount of the payment amount can be withdrawn from the pharmacy account, and if the withdrawal of the amount is possible, withdraw the amount from the pharmacy account and deposit the amount into the pharmacy account ( 3045), and if the payment approval request is a purchase loan payment approval request specialist, it is determined whether to process the loan for the payment according to the loan condition information stored in the storage medium, and corresponds to the payment payment to the pharmacy account. Loan processing unit 3040 for depositing a loan for the amount to be made, and the information storage unit 3050 for processing the payment processing history or loan processing details in connection with the pharmacy information, card information or pharmacy account information to store in the storage medium (3050) It is characterized by comprising a).

In addition, when a predetermined loan processing is performed through the loan processing unit 3040, the information processing server sends the loan processing details to the pharmacy (or pharmacy operator) communication means (for example, a mobile phone, a telephone, a fax, an email, etc.). It may be configured to further include an information transmitter 3035 to transmit.

The specialized receiving unit 3005 receives a full payment approval request message including card information and payment price information for purchasing a medicine from the terminal device through a network between the server and the terminal device (eg, a financial common network or a VAN). Characterized in that, the received payment approval request full text is transmitted to the expert reading unit 3010.

The expert reading unit 3010 reads the payment approval request message received from the terminal device through the message receiving unit 3005, and reads the received payment approval request message, the payment approval request message is self-funded. It is characterized by checking whether the payment approval request is a full text or the purchase payment loan approval request.

In addition, the specialized reading unit 3010, the card information included in the received payment approval request full text, payment price (or loan payment price) information and terminal device unique information (or pharmacy unique information) is characterized in that The card information is transmitted to the information verification unit 3020, the payment information is transmitted to the payment processing unit 3045, and the loan payment payment is transmitted to the loan processing unit 3040. do.

The information checking unit 3020 checks the pharmacy account (payment account) information corresponding to the card information by interworking with the storage medium when the card information confirmed through the specialized reading unit 3010 is delivered. It is done.

In addition, the information verification unit 3020 is characterized in that to confirm the pharmacy deposit account information associated with the confirmed pharmacy account information, the pharmacy account information and pharmaceutical company account information to the payment processing unit 3045 To pass.

The payment processing unit 3045, when the confirmed pharmacy account information and the pharmaceutical company account information is transmitted through the information verification unit 3020, it is determined that the withdrawal of the payment from the pharmacy account by querying the pharmacy account If the payment is possible withdrawal, withdraw the amount of money from the pharmacy account, characterized in that the deposit processing to the pharmaceutical company account.

The specialized transmission unit 3015, when the purchase price payment processing according to the purchase of the medicine through the payment processing unit 3045 is performed, generates a payment approval response message including the payment processing details to transmit to the terminal device; It is characterized by.

The loan processing unit 3040, when the payment approval request is a purchase loan payment approval request professional, determines whether to process the loan for the payment according to the loan condition information stored in the storage medium, the pharmacy account to the It is characterized in that the deposit processing for the loan amount corresponding to the payment amount.

31 is a diagram illustrating a process of performing payment processing for a predetermined purchase of goods by interworking with a terminal device having a self fund payment mode or a purchase money loan payment mode in a server according to an embodiment of the present invention.

In more detail, this drawing 31 shows that the pharmacy account information and the pharmacy account information provided from a given pharmacy (or pharmacy operator) are stored in the ledger D / B through the account information registration system shown in FIG. 1 or 6. Alternatively, when the payment process for the drug sold by the pharmaceutical company using a card that is stored in association with a predetermined storage medium and the pharmacy account as a payment account, the payment of the own funds is approved by the terminal device shown in FIG. When the request message is generated and transmitted to the server shown in FIG. 30, the payment processing process is illustrated. If a person having ordinary knowledge in the technical field to which the present invention belongs, the present invention is referred to or modified. In the process of payment for the purchase of medicines using a card having a pharmacy account linked to the pharmaceutical company account as a payment account, the self-payment payment processing Would be able to infer a variety of exemplary methods for performing the process of the present invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 31.

Hereinafter, in FIG. 31, the terminal device shown in FIG. 27 will be referred to as " terminal " for convenience, and the information processing server 3000 shown in FIG. 30 will be referred to as " server "

Referring to FIG. 31, when a server receives a payment approval request message including card information, payment amount, and purchase item information from a terminal (3100), the server reads the received payment approval request message and reads the payment approval message. It is checked whether the request text is full of self-financing payment approval request or full payment loan payment approval request (3105).

As a result of the check, when the received payment approval request message is a self-payment payment approval request message (3110), the server checks pharmacy account information corresponding to the confirmed card information in association with the storage medium (3115), The checked pharmacy account is checked to determine whether the payment is possible withdrawal (3120).

If it is possible to withdraw the payment from the pharmacy account (3125), the server checks the pharmaceutical company account information associated with the pharmacy account (3130), and withdraws the payment from the pharmacy account ( 3135) and deposits the withdrawn payment into the confirmed pharmaceutical company account (3140).

When the deposit processing to the pharmaceutical company account is completed (3145), the server generates a payment approval response message including the payment processing history and transmits to the terminal (3150), the payment processing history to the pharmacy information or pharmacy The information is stored in the storage medium in association with the account information or the pharmacy card information.

32 is a diagram illustrating a process of performing payment processing for a predetermined purchase of goods by interworking with a terminal device having a self-fund payment mode or a purchase money loan payment mode in a server according to another embodiment of the present invention; to be.

In more detail, this drawing 32 shows that the pharmacy account information and the pharmacy account information provided from a given pharmacy (or pharmacy operator) are stored in the ledger D / B through the account information registration system shown in FIG. 1 or 6. Alternatively, the payment is made at the terminal device shown in FIG. 27 when the payment process for the medicines sold by the pharmaceutical company is performed using a card which is linked to a predetermined storage medium and uses the pharmacy account as a payment account. When the full text of the approval request is generated and transmitted to the server shown in FIG. 30, this shows a payment processing process. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifies this drawing 32 Loan payment for the purchase of the drug purchase price using a card having a pharmacy account linked to the pharmaceutical company account as a payment account The would be able to infer a variety of exemplary methods for the step of performing a process, the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 32.

In the drawing 32, the information processing server 3000 shown in the drawing 28 will be referred to as " server " for convenience.

Referring to FIG. 32, when the server confirms the full payment approval request received from the terminal device in the process of FIG. 31, when the full payment approval request is the purchase payment loan approval request full text (3200), the server determines the full payment approval request. The loan condition information stored in association with the pharmacy information is linked with the storage medium (3205).

When the loan condition information stored in association with the pharmacy information is confirmed in the storage medium (3210), the server determines a loan process for a part (or all) of the payment amount with reference to the checked loan condition information. (3215).

The server deposits the loan amount (payment amount) to the pharmacy account (3220), checks the pharmaceutical company account information associated with the pharmacy account (3225), and withdraws the payment amount from the pharmacy account. Thereafter (3230), the withdrawal payment processing is deposited into the confirmed pharmaceutical company account (3235).

When the deposit processing to the pharmaceutical company account is completed (3240), the server generates a payment approval response message including the payment processing details and transmits to the terminal (3245), the payment processing history or the pharmacy information or The pharmacy account information or the pharmacy card information is processed in association with the storage medium.

33A and 33B illustrate a specialized structure for requesting a payment approval request for a product purchase settlement process according to an exemplary embodiment of the present invention.

More specifically, Figures 33a and 33b is a payment approval request specialized structure generated for the payment processing according to the purchase of a predetermined item in the terminal device shown in Figure 27, specifically, Figure 33a is approved for the payment of funds For the full text of the request, Figure 33b is for the full text of the request for approval of payment of loans for purchases.

Those skilled in the art to which the present invention pertains can refer to or modify the drawings 33a and 33b and various forms of the card (for example, check card, debit card, prepaid card, credit card) as intended by those skilled in the art. , Membership cards, etc.) may infer various approval request specialized structures for payment processing according to the purchase of goods, but the present invention includes all the implementation methods inferred above, and the wage treatment approval request shown in this figure. The full text structure is by no means limited to that illustrated in FIGS. 33A and 33B.

Referring to Figure 33a, the self-funded payment approval request full-text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and the end character (ETX (End of TeXt), 0X03) And after the terminating character, a checksum (CRC-CCITT) for the specialized information may be further included.

The full fund funding approval request may include a transaction classification item related to the self fund payment, a Terminal_ID item for the terminal device, a POS Entry Mode item, and a card reader provided in the terminal device. It includes a TRACK II Data item corresponding to card information read from the purchaser's own card through the card issuing system shown in Fig. 2, and includes the item amount item purchased by the buyer after a predetermined file separator (File Separator, 0X1C). In addition, it may include a working key index item, a password item and a document serial number item.

Referring to FIG. 33A according to an exemplary embodiment of the present invention, transaction classification information including any one of “self-financing payment approval request” or “finance fund payment approval cancellation” is included in the transaction division item of the self-financing payment approval request. This means that payment for the purchase of the goods is paid at the amount deposited in the buyer's account.

According to the method of the present invention, the TRACK II Data item corresponding to the card information read from the card in the full fund payment approval request message, if the card is an MS card, the PAN of TRACK II of the MS card ( It is preferable to include the card information obtained from the Primary Account Number (AD) area and the Additional Data (AD) and / or Discretionary Data (DD) area, or, if the card is an IC card, from the storage information provided in the IC card It is preferable to include the card information (or customer authentication information) obtained.

In addition, the payment amount item in the pre-payment request for payment of the self fund is a payment amount (item amount) according to the purchase of the item, and is withdrawn from a predetermined account (eg, an item purchaser account, etc.) associated with the card. Characterized in that the amount is deposited into the seller account.

Referring to FIG. 33B, the purchase loan loan settlement approval request specialized structure includes at least one full text defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And a checksum (CRC-CCITT) for the full text after the terminating character.

The full payment request for payment of the loan for payment of the purchase money may be made through the transaction classification item related to the payment for payment of the money for loan, the Terminal_ID item for the terminal device, the POS Entry Mode item, and the card reader provided in the terminal device. The amount of goods to be paid for the buyer loan after a predetermined FS (File Separator, 0X1C), including TRACK II Data items corresponding to the card information read from the buyer's own card through the card issuing system shown in FIG. (Loan amount) items, and may also include a Working Key Index item, a password item and a document serial number item.

Referring to Figure 33b according to the embodiment of the present invention, a transaction including any one of "purchase payment loan payment approval request" or "purchase payment loan payment cancellation cancellation" in the transaction section of the purchase fund loan payment approval request Classification information may be included, which means that the loan is paid for the purchase of the goods and the payment is processed to the loaned amount.

According to the embodiment of the present invention, it means that the payment is made with the amount deposited in the buyer account. The TRACK II Data item corresponding to the card information read from the card in the preamble is a PAN (Primary Account Number) area of TRACK II, Additional Data (AD) and / or DD when the card is an MS card. It is preferable to include the card information obtained from the (Discretionary Data) area, or, if the card is an IC card, the card information (or customer authentication information) obtained from the storage information provided in the IC card desirable.

In addition, the loan payment amount item in the full payment request for payment of the loan payment is a payment amount (item amount) according to the purchase of the item or an amount to be loaned for payment according to the purchase of the item, and a predetermined value associated with the card. The loan amount is deposited into an account (eg, an item buyer account, etc.), and is then an amount that is withdrawn from the account and deposited into the item seller account.

Providing a payment device for processing payment for loans of loans according to the present invention has an advantage in that it is possible to more effectively handle the actual transaction price grasp on the drug distribution electronically.

In addition, financial institutions have the advantage of attracting new pharmaceutical companies and pharmacies as our customers, and has the advantage of generating new revenue sources through the collection of billing fees.

In addition, there is an advantage that the market can be preoccupied with the provision of the purchase loan payment processing terminal device.

In addition, by providing a new financial products for pharmacies, etc., there is an advantage that can attract new customers and create new revenue sources.

Claims (4)

A mode checking unit for checking whether the payment mode is a self-fund payment mode or a purchase fund loan payment mode when a payment is processed according to an item purchase; When the payment mode is a self-funded payment mode, a full-fund payment approval request text including information on purchase amount of goods input through a predetermined key input unit and card information read through a predetermined card interface is generated, or A full text generation unit for generating a full text of a purchase money loan approval approval request including the item purchase price information and the card information when the payment mode is the purchase money loan payment mode; And The purchaser loan payment processing terminal device characterized in that it comprises a; professional transmission unit for transmitting the generated self-fundament payment approval request or purchase funds loan payment approval request full text to a server on the network; The method of claim 1, And an information input unit configured to receive key input data corresponding to the self fund payment mode or the purchase fund loan payment mode in association with a predetermined key input unit. The method of claim 1, In response to the payment approval response message corresponding to the full fund payment approval request message or purchase fund loan payment approval request message received from the server on the network in association with a predetermined communication unit, as a result of reading the received payment approval response message, the self When the request for payment settlement approval or the request for payment for loan payment for payment is successfully performed, the tax invoice information (for example, supplier information including business registration number, representative, address, business status, business type, etc.) stored in the memory of the terminal device is stored. With reference to the purchase price loan payment processing terminal device further comprises a tax invoice processing unit for outputting a tax invoice in accordance with the purchase. A computer-readable recording medium having recorded thereon a program for executing the terminal device component of any one of claims 1 to 3.
KR1020070033166A 2007-04-04 2007-04-04 Terminal devices for processing loan payment of purchasing capital and program recording medium KR20090000801A (en)

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