KR20090000803A - System and method for providing escrow service for goods co-purchasing based on voice calling channel and program recording medium - Google Patents

Abstract

A method and a system for providing an escrow service for Goods Co-purchasing based on a voice calling channel and a program recording medium therefore are provided to interest allow a financial institution to ensure new clients and make a profit by providing a escrow service and allow a client to participate in co-purchasing through the new service. An interface offer part(110) produces the predetermined user interface and provides the user interface to a window terminal when an establishment server(100) connect to the window terminal through an interface unit(105). An information receiving part(115) receives the predetermined establishment application information. An information generating part(120) produces the predetermined account ledger information corresponding to the escrow account based on the received establishment application information. An information storing part(125) stores the generated escrow account ledger information in a ledger DB on the financial system.

Description

System and Method for Providing Escrow Service for Goods Co-purchasing based on Voice Calling Channel and Program Recording Medium}

1 is a diagram illustrating an account opening system for opening an escrow account to which a face-to-face joint purchase price is to be deposited according to an embodiment of the present invention.

2 is a view showing the configuration of the account ledger according to the face-to-face establishment of the escrow account in which the joint purchase price is withdrawn from at least two co-buyer accounts according to one embodiment of the present invention.

3 is a view illustrating an escrow account opening process in which a joint purchase price withdrawn from at least two joint purchaser accounts is deposited in a face-to-face manner according to an exemplary embodiment of the present invention.

FIG. 4 is a diagram illustrating an account opening system for opening an escrow account in which a joint purchase price withdrawn from at least two or more co-buyer accounts in a non-face-to-face manner according to another embodiment of the present invention is deposited.

FIG. 5 is a diagram illustrating an account ledger according to a non-face-to-face establishment of an escrow account in which a joint purchase amount withdrawn from at least two joint purchaser accounts is deposited according to another exemplary embodiment of the present invention.

FIG. 6 is a view illustrating an escrow account opening process in which a joint purchase price withdrawn from at least two or more joint purchaser accounts is deposited in a non-face to face manner according to another exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a face-to-face goods seller information registration system for a co-purchase escrow service using ARS according to one embodiment of the present invention.

FIG. 8 is a diagram illustrating a configuration of goods seller registration information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a co-purchase escrow service using ARS according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of goods seller related information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a co-purchase escrow service using ARS according to another embodiment of the present invention. Drawing.

FIG. 10 is a diagram illustrating configuration of goods seller related information stored in a DBMS provided in a payment server in a face-to-face manner for a co-purchase escrow service using ARS according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of registering information related to a seller of goods in a face-to-face manner for a joint purchase escrow service using ARS according to an embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face goods seller information registration system for a co-purchase escrow service using ARS according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating the configuration of goods seller information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a co-purchase escrow service using ARS according to an embodiment of the present invention.

FIG. 14 is a diagram illustrating a commodity seller information structure stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a co-purchase escrow service using ARS according to another embodiment of the present invention. Drawing.

FIG. 15 is a diagram illustrating a configuration of article seller information stored in a DBMS provided in a payment server in a non-face-to-face manner for a joint purchase escrow service using ARS according to another exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of registering goods seller information in a non-face-to-face manner for a co-purchase escrow service using ARS according to one embodiment of the present invention.

FIG. 17 is a diagram illustrating a system for joint purchase escrow service system using ARS according to an exemplary embodiment of the present invention.

18 is a diagram illustrating a co-purchase escrow service process using ARS according to an embodiment of the present invention.

<Description of main parts of drawing>

100: open account server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

The present invention provides a method of linking merchandise seller information and account information of the merchandise seller in a predetermined information registration means and storing the merchandise information in a predetermined storage medium. Processing a complex frequency code signal corresponding to a predetermined voicement from one or more goods purchaser call terminals, and wherein the goods buyer information, goods seller information, purchased goods information, and goods are received from the complex frequency code signal by a predetermined information extracting means. Extracting goods purchase information including buyer account information, transmitting the extracted goods purchase information to the goods seller terminal in a predetermined information transmitting means, and at least participating in the goods purchase in a predetermined escrow processing means; The article from the account of one or more buyers of the article Withdrawing the purchase price and depositing it into a predetermined escrow account; receiving receipt confirmation information for the article from at least one or more buyers who participated in the purchase of the article in a predetermined information receiving means; The present invention relates to a method for providing a co-purchase escrow service based on a voice call channel, comprising: depositing a purchase price of an article stored in the escrow account by the processing means and depositing the deposit into the article seller account.

An object of the present invention for solving the above problems, information registration means for linking the goods seller information and the account information of the goods sellers stored in a predetermined storage medium, and at the time of goods purchase transaction based on the voice call channel, Signal processing means for processing a complex frequency code signal corresponding to a predetermined voicement from the goods purchaser's call terminal; and the goods buyer information, goods seller information, purchased goods information, and goods buyer account information from the complex frequency code signal. Information withdrawal means for extracting goods purchase information, information transmission means for transmitting the extracted goods purchase information to the goods seller terminal, and withdraw the purchase price of the goods from the accounts of at least one or more goods buyers participating in the goods purchase; Process and deposit to your escrow account Escrow processing means, information receiving means for receiving receipt confirmation information on the goods from at least one or more buyers who participated in the purchase of the goods, and withdraws the purchase price of the goods deposited in the escrow account and deposits the money into the goods seller account. The present invention provides a system for providing a joint purchase escrow service based on a voice call channel, comprising: information processing means for processing.

In accordance with an aspect of the present invention, a method for providing a co-purchase escrow service based on a voice call channel may be performed by linking goods seller information and account information of the goods seller by a predetermined information registration means and storing the goods seller information in a predetermined storage medium. In a channel-based goods purchase transaction, processing a complex frequency code signal corresponding to a predetermined voice message from at least one or more goods purchaser call terminals in a predetermined signal processing means, and using the complex frequency code signal in a predetermined information extraction means. Extracting goods purchase information including the goods purchaser information, goods seller information, purchased goods information, and goods buyer account information from the goods purchaser, and transmitting the extracted goods purchase information to the goods seller terminal by a predetermined information transmitting means; And the article at a predetermined escrow processing means. Withdrawing the goods purchase price from the account of at least one item buyer who participated in the purchase and depositing the goods into a predetermined escrow account; and from the one or more item buyers who participated in the purchase of the item in a predetermined information receiving means. Receiving receipt confirmation information for and a predetermined information processing means comprising the step of withdrawing the goods purchase price deposited in the escrow account and the deposit processing to the goods seller account.

Receiving receipt confirmation information for the article from at least one or more article buyers participating in the article purchase in the predetermined information receiving means according to the present invention, at least one or more participating in the purchase of the article in a predetermined information generating means Generating a predetermined receipt confirmation unique code (or information) to be provided to the buyers of the goods, providing the generated receipt confirmation unique code (or information) to the goods seller, and confirming the receipt of the purchase goods Providing a unique code (or information) to at least one or more item buyers participating in the item purchase and receiving the receipt confirmation unique code (or information) from at least one or more item buyers participating in the item purchase, Including checking whether the goods are received by the buyer of the goods Characterized in that made.

Receiving receipt confirmation information for the article from at least one or more article buyers participating in the article purchase in the predetermined information receiving means according to the invention, from the at least one article buyer call terminal in a predetermined signal processing means And processing the complex frequency code signal corresponding to a predetermined voicement, and extracting the reception confirmation information from the complex frequency code signal by a predetermined information extracting means.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the above-described method for providing a product co-purchase escrow service based on the voice call channel.

Meanwhile, a system for providing a joint purchase escrow service based on a voice call channel includes information registration means for linking and processing information about the goods seller information and the account information of the goods seller in a predetermined storage medium, and a goods purchase transaction based on a voice call channel. Signal processing means for processing a complex frequency code signal corresponding to a predetermined voicement from at least one or more goods purchaser call terminals; and the goods buyer information, goods seller information, purchased goods information, and goods buyer from the complex frequency code signal. Information extraction means for extracting goods purchase information including account information, information transmission means for transmitting the extracted goods purchase information to the goods seller terminal, and at least one item buyer's account participating in the goods from the goods Withdraw the purchase price Escrow processing means for deposit processing to the escrow account, information receiving means for receiving receipt confirmation information for the goods from at least one or more buyers of the goods participating in the purchase and withdraw the purchase price of the goods deposited in the escrow account And information processing means for depositing the goods into the seller account.

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

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

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

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

FIG. 1 is a diagram illustrating an account opening system for opening an escrow account to which a face-to-face joint purchase price is to be deposited according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an account for opening an escrow account in which a predetermined co-purchase service provider (for example, a seller of goods, etc.) receives a co-purchase amount withdrawn from at least two co-buy accounts through a face-to-face account opening interface. When requesting to open, the account opening system according to the embodiment of the present invention relates to a system configuration for opening an escrow account in which the joint purchase price withdrawn from the at least two or more co-buyer account is deposited, specifically the co-purchase service provider Visits a financial institution's counter where an escrow account for depositing co-purchased funds withdrawn from at least two co-buyer accounts is filled out, prepares a prescribed account opening application, and submits it to the clerk; The account through the terminal When the predetermined account opening application information corresponding to the opening application is provided to the account opening system, the escrow account in which the joint purchase price withdrawn from the at least two co-purchaser accounts is deposited through the account opening application information in the account opening system. It is about opening an account system.

Persons of ordinary skill in the art to which the present invention pertains can refer to various modifications of the account opening system for opening an escrow account to which the joint purchase price withdrawn from at least two or more co-buyer accounts is referred to or modified with reference to FIG. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the joint purchase price withdrawn from the at least two joint purchaser accounts is deposited on the basis of the account opening application information provided from the joint purchase service provider through a predetermined account opening interface on the account opening system shown in FIG. Components corresponding to at least one or more means or functional configurations for opening an escrow account are referred to as " account opening server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an account opening system for opening an escrow account for depositing a joint purchase price withdrawn from at least two or more co-purchaser accounts is provided by a teller at least one financial institution. It is characterized in that it comprises a teller terminal to be used, the teller terminal is connected to the account opening server 100 provided on the account opening system through a predetermined financial network and the communication channel.

According to an exemplary embodiment of the present invention, the co-purchase service provider visits the financial institution to open an escrow account for depositing the co-purchase price withdrawn from the at least two co-buyer accounts, and opens a window provided at the financial institution. Fill out a predetermined account opening application for opening the escrow account (e.g., via a teller) (e.g., fill in at least one item of information for opening an escrow account where the co-purchased money is withdrawn from at least two co-buyer accounts) (Or a document provided with a form) and / or the teller visits the bus operator (or taxi operator) to allow the co-purchase service provider to deposit a co-purchase fee withdrawn from the at least two co-purchaser accounts. To open an escrow account And submitting the completed account opening application to the teller, the teller enters (or selects) the information entered in the account opening application through a predetermined teller terminal, The terminal preferably transmits the input (or selected) information to the account opening server 100 provided on the account opening system through the financial network.

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the account opening server 100 connected to the teller terminal is a joint purchase withdrawn from the at least two co-purchaser account It is preferable to include a ledger server provided on the financial system to open the escrow account to which the payment is made, wherein the financial network connecting the window terminal and the account opening server 100 is the window terminal and the account opening server ( It is preferable to include a conventional network for connecting the communication channel between 100).

In the account opening system as described above, the account opening application form prepared by the co-purchase service provider, the window terminal used by the window staff, and the financial network connecting the window terminal and the account opening server 100 are the joint purchase. The service provider performs a function of an account opening interface for registering at least one account opening application information for opening an escrow account in which a joint purchase price withdrawn from the at least two co-buyer accounts is deposited.

A financial institution that opens an escrow account for depositing co-purchase payments withdrawn from at least two co-buyer accounts may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. Characterized in that it has a predetermined financial system for providing.

The financial system provided in the financial institution is connected to at least one window terminal provided at a branch (or a main office or a branch) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal, wherein the financial transaction service is a financial transaction for opening an escrow account in which a joint purchase amount withdrawn from the at least two co-purchaser accounts is deposited. It is desirable to include a service.

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or a main office or a branch) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (and / or another financial institution branch), or at least one financial terminal provided in a public place and connected through a predetermined financial network (e.g., a CD common network). And providing a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is escrow in which the joint purchase price withdrawn from the at least two joint purchaser accounts is deposited. It is desirable to include financial transaction services for account opening and operation.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet connection and browsing function) connected to an 802.16x-based portable Internet, etc., the wireless LAN / portable Internet connection and browsing function A non-face-to-face financial transaction service to at least one financial transaction customer through a provided laptop or mobile terminal, etc., wherein the financial transaction service is escrow in which the joint purchase price withdrawn from the at least two joint purchaser accounts is deposited. Including financial transaction services for account opening and operation Is preferred.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) equipped with a connection and browsing function connected to the mobile communication network) based on a mobile Internet, or a DataTAC / Mobitex-based wireless data communication network. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal or a personal digital assistant (PDA) or a smart phone or telematics, etc., wherein the financial transaction service is the at least 2 For the opening and operation of escrow account where the joint purchase price withdrawn from the above joint purchaser account is deposited. It comprises a financial transaction services are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) Or at least one financial transaction customer via at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provides IC chip-based non-face-to-face financial transaction service, wherein the financial transaction service comprises a financial transaction service for opening and operating an escrow account in which the joint purchase price withdrawn from the at least two joint purchaser accounts is deposited. desirable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service is a finance for opening and operating an escrow account in which a joint purchase amount withdrawn from the at least two joint purchaser accounts is deposited. It is preferable to include a transaction service.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least through at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide a non-face-to-face financial transaction service to one or more financial transaction clients, the financial transaction service including a financial transaction service for opening and operating an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts. It is preferable to make it.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service opens an escrow account for depositing a joint purchase price withdrawn from the at least two joint buyer accounts. And financial transaction services for operation.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between a financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, etc.) Access to the financial system from telebanking, TV banking, etc.), and / or And an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to at least one or more financial transaction customers (for example, business owners), at least one or more financial based on the financial account And a ledger D / B on a financial system that stores at least one ledger for providing a transaction service, wherein the ledger D / B on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and at least corresponding to each ledger information (e.g., more specifically or supplementing the attributes / functions of each ledger) One or more ledger additional information is stored in association with each other. It is done.

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

The account opening server 100 provided on the account opening system according to the present invention is a generic term for the account opening system side components connected to the teller terminal through a predetermined financial network, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

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

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

Referring to FIG. 1, the account opening server 100 is connected to the account opening server 100 when a predetermined window terminal is connected to the account opening server 100 through the interface unit 105. The interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account opening application information to the counter terminal, and interworking with the interface unit 105. An information receiving unit 115 for receiving predetermined account opening request information transmitted from the counter terminal through the user interface (or selected), and the at least two co-purchasers based on the received account opening request information. An information generation unit 120 for generating predetermined account ledger information corresponding to an escrow account in which the joint purchase price withdrawn from the account is deposited; Characterized in that formed in an information storage unit 125 to store the generated escrow account ledger information in the ledger D / B on the financial system.

The interface providing unit 110 inputs the account opening application information corresponding to the function configuration provided in the window terminal when a predetermined window terminal is connected to the account opening server 100 through the interface unit 105. (Or select) to generate a predetermined user interface that can be transmitted to the account opening server 100 through the financial network, or extracted from a predetermined database (not shown), and in conjunction with the interface unit 105 And providing the generated (or extracted) user interface to the teller terminal through the financial network.

Thereafter, the window terminal inputs (or selects) the account opening application information based on the user interface, and sends the input (or selection) account opening application information to the account opening server 100 through the financial network. send.

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

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

According to an embodiment of the present invention, the account opening application information may include a joint purchase service provider information requesting to open an escrow account to which the joint purchase price withdrawn from the at least two or more joint purchaser accounts.

Here, the co-purchase service provider information, preferably includes at least one or more of the business name, representative information, business address, business registration number, ARS number, business phone number, business account number.

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

Here, the account opening validity check is characterized in that whether the financial account corresponding to the operator information included in the account opening application information is opened as a real account in the ledger D / B on the financial system.

The information generating unit 120 is a predetermined account to be provided in the escrow account to which the joint purchase price withdrawn from the at least two or more co-buyer account is deposited based on the account establishment application information received through the information receiving unit 115. And generating ledger information, wherein the account ledger information is to be included in the business information associated with the account and the account ledger provided in the ledger D / B provided on the financial system (or the account is And at least one ledger information, which the purchase service provider should have in order to process at least one financial transaction requested.

Those of ordinary skill in the art to which the present invention pertains should include the account ledger (or at least one financial transaction (eg, withdrawal, transfer, or settlement) required by the business operator). Since you will be familiar with the configuration of at least one ledger information to be processed), a detailed description thereof will be omitted for convenience.

Meanwhile, when predetermined account ledger information to be included in the escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts is received by the information generating unit 120 is generated, the information storage unit 125 provides the predetermined information. The escrow account ledger is generated, and the generated account ledger information is stored in the ledger D / B provided in the financial system.

2 is a view illustrating the structure of an account ledger according to the establishment of a face to face escrow account in which a joint purchase price withdrawn from at least two co-buyer accounts is deposited according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 is provided in the ledger D / B on the financial system for opening an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts in the account opening system shown in FIG. As for the escrow account ledger configuration, those skilled in the art to which the present invention pertains, the escrow account ledger configuration for depositing the joint purchase price withdrawn from at least two co-buyer account by referring to or modifying the drawing 2 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, in order to open an escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited, the account ledger corresponding to the account is the co-purchase service provider (eg, goods seller, etc.) account. It is characterized in that it is provided in the ledger D / B on the financial system is processed in connection with the account ledger corresponding to the account ledger corresponding to the operator account is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the operator do.

In this drawing 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the co-purchase service provider. Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President , Sector, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in FIG. 2, the account ledger corresponding to the escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited is linked to the customer ledger in a relational manner, and includes an account number, CIF number, point number, currency, and opening date. , Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, final deposit date, last withdrawal date, final It includes account ledger information including at least one deposit amount, the final withdrawal amount, the number of unpaid transactions, interest rate accounting, consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. Periodic received information including at least one or more of an account number corresponding to the account ledger, abstention (months), period (days), period extension, expiration date and target amount, or the account Trust receipt information including at least one or more of the account number, the amount of trust, the par value, the pension date, and the number of shares corresponding to the left ledger, or the account number, transaction number, date, branch number, product type, and transaction type corresponding to the account ledger Transaction details including at least one of cash, cash, RBI, batch No., compound transaction, date of payment, bank account line, summary, and CIF.

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

Referring to FIG. 2, the escrow account ledger in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited is relationally processed in relation to the account ledger corresponding to the business account. Operator account information associated with the escrow account and account ledgers included in the ledger D / B provided on the financial system (or at least one financial transaction (eg, amount of money) requested by the business operator). It is preferable to include at least one ledger information that should be provided to process withdrawal, bank transfer, or payment through the payment amount.

According to the method of the present invention, the account ledger information includes a business operator account number associated with the account, and in addition to the account ledger, a predetermined account number, point number, currency, opening date, account status, and account type. , Account interest rate, account password, account deposit, bank account balance, bank account number, interest rate now, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest account It may include at least one ledger information, such as whether or not it is a consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation.

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

3 is a diagram illustrating an escrow account opening process in which a joint purchase price withdrawn from at least two joint purchaser accounts is deposited in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, in FIG. 3, in the account opening system shown in FIG. 1, a predetermined co-purchase service provider (e.g., a merchandise seller, etc.) uses a predetermined account opening interface (e.g., an account opening application form, a window terminal, and a financial network). When the account opening request information for opening an escrow account is deposited to the account opening server 100 through which the joint purchase price withdrawn from the at least two co-buyer accounts is transferred, the account opening request from the account opening server 100 is made. Based on the information about the process of opening an escrow account in which the co-purchase payment is withdrawn from the at least two co-buyer account, the person having ordinary skill in the art to which the present invention pertains, refer to FIG. Or by modifying a joint purchase withdrawal from at least two co-buyer accounts Would be able to infer a variety of exemplary ways to open an escrow account to be cracked, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 3.

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

Referring to FIG. 3, if a co-purchase service provider wanting to open an escrow account to which a co-purchased money withdrawn from at least two co-purchasers accounts is filled out, prepares a predetermined account opening application form and submits the completed account opening application form. The terminal provides the account opening application information included in the account opening application to the server through an account opening interface (300).

Here, the account opening interface preferably comprises an account opening application form prepared by the operator, a teller terminal used by the employee of the financial institution, and a financial network connecting the teller terminal with the server.

According to an embodiment of the present invention, the account opening application information includes a company information requesting to open an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts, and a company account information associated with the account. Can be configured.

Here, the co-purchase service provider information, preferably includes at least one or more of the business name, representative information, business address, business registration number, ARS number, business phone number, business account number.

When predetermined account opening application information is received through the account opening interface, the server reads the received account opening application information to open an escrow account for depositing the joint purchase price withdrawn from the at least two co-buyer accounts. The validity is checked (305).

Here, the account opening validity check is characterized in that whether the financial account corresponding to the operator information included in the account opening application information is opened as a real account in the ledger D / B on the financial system.

If the validity of opening the escrow account with which the co-purchased money withdrawn from the at least two co-buyer accounts is deposited through the account opening application information is not authenticated (310), the server opens the account through the account opening interface. Providing the account opening error information to the joint purchase service provider (315), and stops opening the escrow account in which the joint purchase price withdrawn from the at least two joint buyer account.

On the other hand, if the validity to open an escrow account in which the joint purchase price withdrawn from the at least two co-buyer account is deposited to the joint purchase service provider through the account opening request information (310), the server opens an account. The account ledger information corresponding to the account to be opened to the operator is generated based on the application information (320).

Here, the account ledger information is to be included in the operator account information associated with the escrow account and the account ledger provided in the ledger D / B provided on the financial system (or the escrow account is at least one financial transaction ( For example, it is preferable to include at least one ledger information, which should be provided to process the withdrawal, account transfer, or payment through the payment amount.

Those skilled in the art to which the present invention pertains should include in the account ledger (or the escrow account is at least one financial transaction (eg, withdrawal, transfer or payment). Since you will be familiar with the configuration of at least one ledger information to be processed), a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the operator account to be linked to the escrow account opened at the request of the joint purchase service provider among at least one account ledger provided on the ledger D / B on the financial system. (325).

If the account ledger corresponding to the financial account (eg, the operator financial account) to be linked to the escrow account to be opened is identified (330), the server is the financial account provided on the ledger D / B on the financial system The account ledger to be processed in association with the account ledger corresponding to (335), and the account ledger generated in the account ledger generated in connection with the account ledger corresponding to the financial account in the ledger D / B on the financial system The information is stored (340).

4 is a diagram illustrating an account opening system for opening an escrow account in which a joint purchase price withdrawn from at least two or more co-buyer accounts in a non-face-to-face manner according to another embodiment of the present invention is deposited.

In more detail, Figure 4 illustrates at least two co-buyer accounts in accordance with the present invention via an account opening interface 410 where a given co-purchase service provider (e.g., product seller, etc.) includes at least one non-face-to-face financial transaction channel. When requesting to open an escrow account with which the joint purchase price withdrawn from the account is requested, a system configuration for opening an escrow account with which the joint purchase amount withdrawn from the at least two co-buyer accounts is deposited in the account opening system shown in this drawing. Specifically, when the operator provides the predetermined account opening application information using the account opening interface 410 through a predetermined terminal corresponding to the non-face-to-face financial transaction channel, in the account opening system according to the embodiment of the present invention The at least 2 based on the account opening application information Will be conducted on how to open an escrow account jointly purchase price is to be withdrawn from the deposit account on the co-buyer.

Persons of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 4 to configure various account opening systems for opening an escrow account where the joint purchase price withdrawn from at least two or more co-buyer accounts is deposited. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the joint withdrawal from at least two co-buyer accounts based on the account opening application information provided from the bus operator (or taxi operator) through a predetermined account opening interface 410 on the account opening system shown in FIG. A component corresponding to at least one or more means or functional configurations of opening an escrow account to which the purchase price is deposited is referred to as "account opening server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, an account opening system for opening an escrow account in which a joint purchase price withdrawn from the at least two or more co-buyer accounts is deposited is an account in which the account opening system is a non-face-to-face account. In the case of supporting the opening, a predetermined operator comprises (or selects) predetermined account opening application information and includes a terminal for transmitting to the account opening server 400, wherein the terminal includes a predetermined network means. A communication channel is connected to the account opening server 400 provided on the account opening system.

According to an embodiment of the present invention, when the account opening system supports a non-face-to-face account opening, the service provider may include at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. The user can access the account opening server 400 through the client terminal and deposit the joint purchase price withdrawn from the at least two co-purchaser accounts through at least one user interface 410 provided by the account opening server 400. When the escrow account opening request information is input (or selected), it is preferable that the client terminal transmits to the account opening server 400 provided on the account opening system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the client terminal outputs at least one or more user interfaces 410 provided by the account opening server 400, and inputs or selects at least one or more information through the user interface 410 to open the account opening server. 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 account opening server 400, etc.) for transmission to the 400 be provided.

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

In the account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the joint purchase service provider, and at least one wired network connecting the client terminal and the account opening server 400. And / or the wireless network performs a function of an account opening interface 410 for registering, by the operator, account opening application information for opening an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts.

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

In the case of supporting a non-face-to-face account opening as described above, when the terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the account The financial network connecting the opening server 400 is for the bus operator (or taxi operator) to register the account opening application information for opening an escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited. Performs the function of the account opening interface 410, or if the terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the account opening server 400 A wired telephone network or a wireless telephone network to which a connection is made in which a common purchase price with which the business operator withdraws from the at least two co-purchaser accounts is deposited. When performing the function of the account opening interface 410 for registering the account opening application information for opening an escrow account, or if the terminal (or server) (not shown) provided in the institution associated with the financial institution that is the terminal The network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the account opening server 400 is jointly purchased by the business operator from the at least two co-purchaser accounts. It performs the function of the account opening interface 410 for registering the account opening application information for opening an escrow account to which the payment is made.

A financial institution that opens an escrow account for depositing co-purchase payments withdrawn from at least two co-buyer accounts at the request of the operator may request at least one financial transaction (eg, credit, receiving, foreign exchange, And a predetermined financial system for providing a service such as financial investment).

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, wherein the financial transaction service is for opening and operating an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts. It is preferable to include a financial transaction service.

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). And providing a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service opens an escrow account for depositing a joint purchase price withdrawn from the at least two joint purchaser accounts. And financial transaction services for operation.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, connected to a TCP / IP-based backbone network through the Internet banking server, and / Or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet connection and browsing function) and / or a laptop, the wireless LAN / portable Internet connection, Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or portable terminal equipped with a browsing function, and the financial transaction service is a joint purchase withdrawn from the at least two joint purchaser accounts. Including financial transaction services for opening and operating escrow accounts where payment is made; It is preferable to make.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) equipped with a connection and browsing function connected to the mobile communication network) based on a mobile Internet, or a DataTAC / Mobitex-based wireless data communication network. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal or a personal digital assistant (PDA) or a smart phone or telematics, etc., wherein the financial transaction service is the at least 2 For the opening and operation of escrow account where the joint purchase price withdrawn from the above joint purchaser account is deposited. It comprises a financial transaction services are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Providing a non-face-to-face financial transaction service, the financial transaction service preferably comprises a financial transaction service for opening and operating an escrow account in which the joint purchase price withdrawn from the at least two or more co-buyer account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smart phone, etc.) to provide at least one financial transaction service in a non-face-to-face manner, wherein the financial transaction service is an escrow account for depositing a joint purchase price withdrawn from the at least two joint buyer accounts. It is desirable to include financial transaction services for establishment and operation.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least through at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide a non-face-to-face financial transaction service to one or more financial transaction clients, wherein the financial transaction service provides a financial transaction service for opening and operating an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts. It is preferable to comprise.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service opens an escrow account for depositing a joint purchase price withdrawn from the at least two joint buyer accounts. And financial transaction services for operation.

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

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

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

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

The account opening server 400 provided on the account opening system according to the present invention is a generic term for the account opening system side components connected to the operator terminal through a predetermined network means, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the account opening server 400 is characterized in that it comprises an interface unit 405 for providing a predetermined account opening interface 410 to the operator terminal through the network means.

According to an embodiment of the present invention, when the operator terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 is defined in the wired network or a wireless network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing 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 preferable.

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

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. And a communication interface 410 for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using a WAP / ME protocol defined in the browser program. do.

Or, if the client terminal is provided with an account opening program provided by the account opening server 400, the interface (unit 405) 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. 4, the account opening server 400 is connected to the account opening server 400 when a predetermined operator terminal is connected to the account opening server 400 through the interface unit 405. An interface providing unit 410 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined account opening application information to the bus operator (or taxi operator) terminal; An information receiving unit 415 for receiving predetermined account opening application information that is input (or selected) and transmitted from the bus operator (or taxi operator) terminal through the user interface in cooperation with the unit 405, and the received account. An information generation unit 420 for generating predetermined account ledger information corresponding to an account to be opened using the vehicle number as an account number based on the application for opening. And an information storage unit 425 for storing the generated ledger information in association with an account ledger of a financial account corresponding to the bus operator (or taxi operator) account linked to the account in the ledger D / B on the financial system. It is characterized by comprising a).

The interface providing unit 410 corresponds to a function configuration provided in the bus operator (or taxi operator) terminal when a predetermined operator terminal is connected to the account opening server 400 through the interface unit 405. Generate a predetermined user interface that can input (or select) account opening application information and transmit it to the account opening server 400 through the network means, or extract from a predetermined database (not shown), and the interface unit In operation 405, the generated (or extracted) user interface may be provided to the bus operator (or taxi operator) terminal through the network means.

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

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

According to another exemplary embodiment of the present invention, when the operator terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 may be a browser program or a communication program provided in the client terminal. 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 client terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined account opening application information through the user interface 410 through the user interface 410 and transmits it through the network means. And receiving the account opening request information, and providing the received account opening request information to the information generating unit 420.

According to an embodiment of the present invention, the account opening request information includes a company information requesting to open an escrow account for depositing a joint purchase price withdrawn from the at least two co-buyer accounts, and a company account linked to the opened escrow account. It may be configured to include the operator account information corresponding to the at least one vehicle number provided by the operator to receive the escrow account according to the present invention.

Here, the co-purchase service provider information, preferably includes at least one or more of the business name, representative information, business address, business registration number, ARS number, business phone number, business account number.

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

Here, the account opening validity check is characterized in that whether the financial account corresponding to the operator information included in the account opening application information is opened as a real account in the ledger D / B on the financial system.

Based on the account opening request information received through the information receiving unit 415, the predetermined account ledger information to be provided in the escrow account to which the joint purchase price withdrawn from at least two or more co-buyer accounts according to the request of the operator is deposited. The account ledger information is to be included in the operator account information associated with the account and the account ledger provided in the ledger D / B provided on the financial system (or the account is requested by the operator). Preferably at least one ledger information to be provided for processing at least one financial transaction.

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g. withdrawal, transfer, or payment processing) that should be included in the account ledger (or the escrow account requires the operator). Etc.) to be familiar with at least one ledger information configuration to be processed in order to process, so a detailed description thereof will be omitted for convenience.

Meanwhile, when predetermined account ledger information to be included in the escrow account is received by the information generation unit 420, the joint purchase price withdrawn from the at least two co-buyer accounts, the information storage unit 425 is a financial system And generating a predetermined account ledger associated with the account ledger corresponding to the business operator financial account provided in the ledger D / B provided thereon, and storing the generated account ledger information in the account ledger.

5 is a view illustrating the structure of an account ledger according to a non-face-to-face establishment of an escrow account in which a joint purchase price withdrawn from at least two co-buyer accounts is deposited according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates an operator provided in the ledger D / B on the financial system for opening an escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited in the account opening system shown in FIG. 4. The account ledger configuration is linked to the account ledger corresponding to the account, and those skilled in the art to which the present invention belongs, will be withdrawn from the at least two or more co-buyer account by referring to or modified in this drawing 5 Various implementation methods may be inferred for the construction of an account ledger for opening an escrow account where the joint purchase price is deposited, but the present invention includes all the implementation methods inferred above and is limited by the implementation method shown in FIG. Not.

Referring to FIG. 5, the account ledger corresponding to the escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited is processed in association with the account ledger corresponding to the business account, and the ledger D / Characterized in that the B, the account ledger corresponding to the operator account is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the operator.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the business operator, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, a region. Classification code, phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, Legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 5, the account ledger corresponding to the operator account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and RBI balance 1, RBI balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes account ledger information including at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation, and includes the account number, withdrawal (months), and period corresponding to the account ledger. At least one of: periodic reception information including at least one (day), extension of time, expiration date, and target amount; and / or account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, It includes transaction history information including at least one of a date of origin, a bank account line, a brief summary, and a CIF.

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

Referring to FIG. 5, the account ledger may be processed in a relational manner with an account ledger corresponding to the operator account, and the account ledger information may be stored on the financial system and the operator account information associated with the escrow account. The escrow account must be included in the ledger D / B provided (or the escrow account must be equipped to handle at least one financial transaction (eg withdrawal, transfer or payment). It is preferable to include at least one ledger information.

According to the method of the present invention, the account ledger information may include a business operator account number associated with the escrow account, and in addition to the account ledger, a predetermined account number, point number, currency, opening date, account status , Account type, account interest rate, account password, account deposit, 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 transaction number, It may include at least one or more ledger information, such as interest rate accounting, whether or not a consolidation is linked, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation.

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

FIG. 6 is a diagram illustrating an escrow account opening process in which a joint purchase price withdrawn from at least two or more joint purchaser accounts is deposited in a non-face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, in the account opening system shown in FIG. 4, a predetermined co-purchase service provider has a predetermined account opening interface (e.g., a client terminal and a network means including at least one wired or wireless terminal). The account opening server 400 transmits predetermined account opening request information for opening an escrow account where the joint purchase price withdrawn from at least two co-buyer accounts is transferred to the account opening server 400. Based on the account opening application information for the process of opening an escrow account in which the joint purchase price withdrawn from the at least two co-purchaser account is deposited, if the person of ordinary skill in the art to which the present invention belongs At least two or more joint purchases by referring to or modifying Figure 6. Various implementation methods for opening an escrow account in which the joint purchase price withdrawn from the account is deposited may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG. .

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

Referring to FIG. 6, a business operator who wants to open an escrow account in which the joint purchase price withdrawn from the at least two co-purchaser accounts is deposited, accesses the server through the network means using the terminal, and connects the server to the server. Request an account opening interface for opening an escrow account in which a co-purchase amount withdrawn from at least two co-buy accounts is deposited (600), and correspondingly, the server requests a co-purchase amount withdrawn from the at least two co-buy accounts. An account opening interface for opening an escrow account to be deposited is extracted (or generated) and provided to the terminal (605).

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

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

According to the method of the present invention, the account opening application information includes a bus company (or taxi operator) information for requesting to open an escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts, and the escrow account; It may be configured to include the operator account information corresponding to the linked operator account.

Here, the co-purchase service provider information, preferably includes at least one or more of the business name, representative information, business address, business registration number, ARS number, business phone number, business account number.

When predetermined account opening application information is received through the account opening interface, the server reads the received account opening application information, thereby escrowing the joint purchase price withdrawn from the at least two co-buyer accounts. It is verified whether the account can be opened (615).

Here, the account opening validity check is characterized in that whether the financial account corresponding to the operator information included in the account opening application information is opened as a real account in the ledger D / B on the financial system.

If the validity to open an escrow account for depositing the joint purchase price withdrawn from the at least two co-buyer accounts according to the request of the operator through the account opening application information is not authenticated (620), the server Through the account opening interface, provide the operator with escrow account opening error information in which the joint purchase price withdrawn from the at least two co-buyer accounts is deposited (625), and stops opening the escrow account at the request of the operator. do.

On the other hand, if the validity to open an escrow account in which the co-purchased money withdrawn from the at least two co-buyer account is deposited to the operator through the account opening application information is authenticated (620), the server opens the account opening application information. Based on the generated account ledger information corresponding to the escrow account in which the joint purchase price withdrawn from the at least two co-buyer account is deposited (630).

Here, the account ledger information is to be included in the operator account information associated with the escrow account and the account ledger provided in the ledger D / B provided on the financial system (or the escrow account is at least one financial transaction ( For example, it is preferable to include at least one ledger information, which should be provided to process the withdrawal, account transfer, or payment through the payment amount.

Thereafter, the server corresponds to an operator account to be associated with an escrow account in which the joint purchase price withdrawn from the at least two co-buyer accounts among at least one or more account ledgers provided on the ledger D / B on the financial system. The account ledger is checked (635).

If the account ledger corresponding to the business account to be associated with the escrow account to which the co-purchase payments withdrawn from the at least two co-buyer accounts are deposited (640) is confirmed, the server is placed on the ledger D / B on the financial system. Create an account ledger that is processed in association with the account ledger corresponding to the operator account that is provided (645), the account ledger generated in connection with the account ledger corresponding to the operator account in the ledger D / B on the financial system The generated account ledger information is stored (650).

7 is a diagram illustrating a face-to-face goods seller information registration system for a co-purchase escrow service using ARS according to an embodiment of the present invention.

In more detail, Figure 7 shows the goods seller information, goods seller account information and sales goods information for the goods purchase service escrow service using the ARS according to the present invention to the information registration system through the goods registration interface through a predetermined information registration interface. When provided, the information registration system relates to a system configuration for storing and registering in the predetermined storage medium by linking the provided goods seller information, goods seller account information, sales goods information and the predetermined escrow account information, Those skilled in the art may refer to or modify the drawing 7 to link the goods seller information, the goods seller account information, the goods sold information, and the predetermined escrow account information to process the ledger D / B on the financial system. Or information for storing or registering on a predetermined storage medium. Various implementation methods for the beam registration system 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.

Here, the predetermined escrow account stored in the ledger D / B or the storage medium in association with the goods seller information, the goods seller account information, and the goods for sale information is stored in the account opening system shown in FIG. 1 or 3. It may be an account opened by an article seller or an account already opened in the financial system, but is not limited thereto.

Hereinafter, on the information registration system shown in FIG. 7, the joint purchase price withdrawal of the goods seller information, goods seller account information and sales goods information provided from the goods seller from the at least two co-buyer accounts through a predetermined information registration interface. A component corresponding to at least one or more means or functional configuration for storing in the storage medium (or ledger D / B on a financial system) in association with the deposited escrow account is referred to as "information registration server 700" for convenience. .

Referring to FIG. 7 according to an embodiment of the present invention, an information registration system for a co-purchase escrow service using ARS according to the present invention includes an information registration terminal including a counter terminal provided in at least one financial institution branch. It characterized in that it comprises a, wherein the information registration terminal is connected to the communication channel and the information registration server 700 provided on the information registration system through a predetermined financial network.

According to one embodiment of the present invention, the article seller visits the financial institution branch to register the predetermined article seller related information for the goods joint purchase escrow service using the ARS according to the present invention, A document with a form for filling in at least one item of information for the co-purchase escrow service using the ARS through the provided counter (or through the counter staff), and submit the completed application to the counter staff Then, the teller enters (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system through the financial network. It is preferable to transmit to the provided information registration server 700.

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 700 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 700 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 700. Do.

In the information registration system as described above, the application prepared by the goods seller, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 700 are joint purchases using the ARS It performs a function of an information registration interface for registering goods seller information for escrow services.

The storage medium provided on the information registration system according to the present invention is characterized by storing the goods seller information, goods seller account information, sales goods information, and predetermined escrow account information provided from the information registration terminal in association. It is done.

The article seller information may include at least one of a seller name, a seller business registration number, a seller address, a seller's phone number, a mobile phone number, an ARS number for a joint purchase escrow service, a seller's unique ID, and the like.

The seller account information confirms that the amount deposited into the escrow account from the account of at least two or more co-buyers wishing to purchase a given item for sale by the seller has arrived to the co-buyer in accordance with the present invention. After that, the amount withdrawn from the escrow account may be made including the account holder and account number for the account opened in the name of the seller to be deposited.

The sales item information may include at least one item name, item quantity, item price, item unique ID, etc. sold by the seller.

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

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), 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 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 700 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 700 is characterized in that it comprises an interface unit 705 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 705 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. 7, when the predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705, the information registration server 700 works in conjunction with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined goods seller-related information from the registration terminal to the information registration terminal, and the interface unit 705. Information receiving unit 715 for receiving a predetermined seller information related to the input (or selection) transmitted from the information registration terminal through the user interface and the validity of the received seller information related to the information; Validation unit 720 and the article seller information and the article seller account information included in the item seller-related information confirmed validity The article sales data processing in connection with escrow account information, and characterized in that formed in an information storage unit 725 to store in a storage medium.

The interface providing unit 710 is connected to the information registration server 700 when a predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705 and the goods seller information corresponding to the functional configuration provided in the information registration terminal; Generates a predetermined user interface for inputting (or selecting) goods seller-related information including goods seller account information and goods for sale information and transmitting the information to the information registration server 700 through the financial network, or in a predetermined database. (Not shown) and the user interface generated (or extracted) in cooperation with the interface unit 705 is provided to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) goods seller related information including at least one of the goods seller information, the goods seller account information, and the goods sold information based on the user interface, and the input (or selection). The item seller related information is transmitted to the information registration server 700 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 710 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 705.

The information receiving unit 715 inputs (or selects) goods seller related information including at least one item seller information, goods seller account information, and goods sold information through the user interface at the information registration terminal to establish the financial network. When transmitting through, it is characterized in that for receiving the goods seller-related information in conjunction with the interface unit 705, and provides the received goods seller-related information to the validity verification unit 720.

The validity confirming unit 720 checks whether the predetermined validity for the joint purchase escrow service using the ARS with respect to at least one or more information included in the goods seller-related information received from the information registration terminal. do.

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

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, corresponding to the goods seller ID included in the goods seller-related information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether ID information exists.

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, whether the goods seller information included in the goods seller-related information is identical to the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

When the validity of the goods seller-related information is confirmed, the information storage unit 725 interconnects and processes the goods seller information, the goods seller account information, the goods sold information, and the predetermined escrow account information included in the goods seller related information. The storage medium is stored in the storage medium, and when the storage medium is provided in the information registration server 700 or on the network associated with the information registration server 700, the information storage unit 725 ) Is preferably stored in the storage medium by linking the goods seller information, goods seller account information, sales goods information and the predetermined escrow account information contained in the received goods seller information, the storage medium on the financial system When provided in the DBMS provided in the, the information storage unit 725 is included in the received goods seller information It is preferable to provide the goods seller information, the goods seller account information, the goods for sale information and the predetermined escrow 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.

8 is a view showing the configuration of the goods seller registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the co-purchase escrow service using the ARS in accordance with an embodiment of the present invention.

In more detail, in FIG. 8, when the storage medium illustrated in FIG. 7 is a ledger D / B provided in a DBMS on a financial system, the article seller information included in the ledger information included in the ledger D / B is included in the article seller related information. The information structure for one embodiment of the method of storing and storing the goods seller account information and the predetermined escrow account information, and those skilled in the art to which the present invention pertains, refer to or modify this figure 8 It can be inferred from the various information configuration method for storing the goods seller-related information in the ledger D / B, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in Figure 8 No.

Referring to FIG. 8 according to an embodiment of the present invention, an account ledger corresponding to an item seller account opened under the name of the item seller included in the item seller related information is associated with an account ledger corresponding to the escrow account. Characterized in that the processing is provided in the ledger D / B on the financial system, the account ledger corresponding to the goods seller account is linked to a predetermined customer ledger corresponding to the goods seller.

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 escrow account is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Volume 2, account balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transaction, interest rate account, flat currency consolidation, final It includes account ledger information that includes at least one payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. At least one or more of periodic reception information including at least one term extension, an expiration date, and a target amount, or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, or 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 Transaction history information including at least one of the above, a brief description, and a CIF.

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

In addition, the account ledger corresponding to the goods seller account is characterized in that the relationship is processed in relation to the account ledger corresponding to the goods seller account, the account ledger information corresponding to the goods seller account is provided on the financial system It is preferable to include at least one or more ledger information to be included in the account ledger provided in the ledger D / B.

9 is a diagram illustrating a configuration of goods seller related information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a co-purchase escrow service using ARS according to another embodiment of the present invention. Drawing.

In more detail, in FIG. 9, when the storage medium shown in FIG. 7 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system, the information related to the goods seller is included in the database. The information structure of an embodiment of the method of storing and storing goods seller information, goods seller account information, sales goods information, and predetermined escrow account information, which is a person of ordinary skill in the art to which the present invention pertains By referring to or modifying the drawing 9, it is inferred from the various information configuration methods for storing the goods seller information, goods seller account information, sales goods information and escrow account information in a predetermined database in association with the ledger D / B. As will be appreciated, the present invention includes all implementation methods inferred and It shall not be limited to the exemplary method shown in side 9.

Particularly, in FIG. 9, when it is not easy to store the goods seller-related information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of the financial institution, the ledger D / If it is not easy to change B, or the system is not easy to expand due to the characteristics of the financial system), the account registration information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 9 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 9, 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 product seller information contained in the goods seller-related information, the goods seller account information, the sale goods information and the predetermined escrow account information is stored in association, the database is the ledger It may further comprise a CIF number identified through customer information included in the goods seller information to be processed in conjunction with the D / B.

FIG. 10 is a diagram illustrating a configuration of product seller related information stored in a DBMS provided in a payment server in a face-to-face manner for a joint purchase escrow service using ARS according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, the storage medium shown in FIG. 7 is 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 the case of the present invention, an embodiment of the present invention relates to a method of storing and storing information related to item seller information, item seller account information, sale item information, and predetermined escrow account information included in the item seller related information. If one of ordinary skill in the art, by referring to or modifying the figure 10 can be inferred a method of constructing information about the goods seller-related information stored in a predetermined DBMS provided in at least one or more payment server, but the present invention Includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. It does not.

According to the present invention, a predetermined DBMS provided in the payment server stores and stores the item seller information, the item seller account information, the sale item information, and the predetermined escrow account information included in the item seller related information. It is done.

FIG. 11 is a diagram illustrating a process of registering goods seller related information in a face-to-face manner for a joint purchase escrow service using ARS according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a case in which the information registration server 700 on the information registration system shown in FIG. 7 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal is connected to the information registration server 700, and after connecting the communication channel for registration of the goods seller information of the face-to-face for the goods joint purchase escrow service using the ARS according to the present invention, the communication channel When the goods seller related information including the goods seller information, goods seller account information and sales goods information is transmitted to the information registration server 700, the information registration server 700 sends the received information related to the goods seller. By including the seller information of goods, the seller account information and the goods of sale information linked to escrow account information, The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains may refer to or modify this drawing, and modify the goods seller related information from the terminal to the information registration server 700. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 11, the window terminal shown in Fig. 7 is referred to as a "terminal" for convenience, and the information registration server 700 shown in Fig. 7 is referred to as a "server" for convenience, and the information is registered in the window terminal. The article seller information, the article seller account information, and the sale article information transmitted to the server 700 will be referred to as "article seller related information" for convenience.

Referring to FIG. 11, the window terminal shown in FIG. 7 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the goods seller related information, and jointly purchases the goods using the ARS. When requesting to register the account registration information for escrow service (1100), the server generates (or extracts) a predetermined information registration interface for registering the goods judge information (1105), and through the communication channel The generated (or extracted) information registration interface is transmitted to the terminal and output (1110).

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) at least one item seller related information including at least one item seller information, item seller account information, and sale item information through the information registration interface (1115).

If the terminal receives (or selects) goods seller-related information including the goods seller information, goods seller account information, and goods sold information through the information registration interface (1120), the terminal receives the information through the financial network. In operation 1125, the information regarding the seller of the goods including the input (or selected) goods seller information, the goods seller account information, and the goods for sale is transmitted to the server.

Thereafter, the server receives and reads the item seller information, the item seller account information, and the sale item information through the financial network to check the validity of the item seller related information (1130).

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

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, corresponding to the goods seller ID included in the goods seller-related information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether ID information exists.

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, whether the goods seller information included in the goods seller-related information is identical to the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

If the validity of the item seller related information is not authenticated (1135), the server generates predetermined information registration error information and transmits it to the terminal (1140), and performs an information registration procedure corresponding to the item seller related information. Do not perform.

On the other hand, if the validity of the goods seller-related information is authenticated (1135), the server performs an information registration procedure corresponding to the goods seller-related information, thereby the goods seller information and goods seller account information included in the goods seller information And selling goods information in association with the predetermined escrow account information is stored in a predetermined storage medium (1145).

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

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1150), thereby completing the procedure of registering the goods seller related information transmitted from the terminal.

12 is a diagram illustrating a non-face-to-face goods seller information registration system for a co-purchase escrow service using ARS according to another embodiment of the present invention.

In more detail, FIG. 12 shows a product seller information, a product seller account information, and a sales product information for a product joint purchase escrow service using the ARS according to the present invention, through a predetermined information registration interface. When providing the seller information related to at least one item is provided, the information registration system to process the goods seller information, goods seller account information and sales goods information included in the provided goods seller-related information in association with a predetermined escrow account As a system configuration for storing in a storage medium of the present invention, those skilled in the art to which the present invention pertains, the information registration system configuration for goods co-purchase escrow service using the ARS by referring to or modifying this drawing 12 Various implementation methods for It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Here, the predetermined escrow account stored in the ledger D / B or the storage medium in association with the goods seller information, the goods seller account information, and the goods for sale information is stored in the account opening system shown in FIG. 1 or 3. It may be an account opened by an article seller or an account already opened in the financial system, but is not limited thereto.

Hereinafter, goods seller related information including goods seller information, goods seller account information and sales goods information provided from the goods seller through a predetermined information registration interface on the information registration system shown in FIG. Components corresponding to at least one or more means or functional configurations for cooperative processing and storing in the storage medium are referred to as " information registration server 1200 " for convenience.

Referring to FIG. 12 in accordance with an embodiment of the present invention, an information registration system for a co-purchase escrow service using ARS according to the present invention may include: And an information registration terminal including at least one or more client terminals including at least one wireless terminal, wherein the information registration terminal comprises information provided on the account information registration system through a predetermined network means. The communication channel is connected to the registration server 1200.

According to an embodiment of the present invention, the article seller connects to the information registration server 1200 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. Inputting (or selecting) the goods seller related information for the goods joint purchase escrow service using the ARS according to the present invention through at least one user interface provided by the information registration server 1200, a predetermined network in the client terminal It is preferable to transmit the input (or selected) information related to the seller of goods to the information registration server 1200 provided on the information registration system through the 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 1200 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.

In addition, the network means for connecting the client terminal and the information registration server 1200 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 1200, and inputs or selects at least one or more information through the user interface to transmit the information to the information registration server 1200. 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 1200) 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, a client terminal including at least one wired terminal or a wireless terminal used by the goods seller to register the information related to the goods seller, the client terminal, and the information registration server 1200. The at least one wired network or the wireless network to connect performs a function of an information registration interface for registering the goods seller related information for the goods co-purchase escrow service using the ARS.

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 above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information registration server 700 are provided. The financial network that connects the product seller performs a function of an information registration interface for registering the goods seller related information for the goods co-purchase escrow service using the ARS according to the present invention, or the information registration terminal is the call In the case of a 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 700 may allow the seller of the goods to obtain an ARS according to the present invention. The function of the information registration interface for registering the information related to the seller of goods for the joint purchase escrow service. 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 1200 performs a function of an information registration interface for the article seller to register the goods seller related information for the goods co-purchase escrow service using the ARS according to the present invention.

The storage medium 7230 provided on the information registration system according to the present invention stores the goods seller information, the goods seller account information, and the goods sold information included in the goods seller related information provided from the information registration terminal. It is characterized by storing in association with the processing.

The article seller information may include at least one seller name, seller business registration number, seller address, seller phone number, mobile phone number, ARS number for the joint purchase escrow service, seller unique ID and the like.

The seller account information confirms that the amount deposited into the escrow account from the account of at least two or more co-buyers wishing to purchase a given item for sale by the seller has arrived to the co-buyer in accordance with the present invention. After that, the amount withdrawn from the escrow account may be made including the account holder and account number for the account opened in the name of the seller to be deposited.

The sales item information may include at least one item name, item quantity, item price, item unique ID, etc. sold by the seller.

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

The information registration server 1200 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined 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 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 1200 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 1200 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 1200 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 700 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 1200 is characterized in that it comprises an interface unit 1205 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 1205 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 1205 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 1200, the interface unit 1205 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 1205 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 1205 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 1205 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 1200, the interface unit 1205 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1205 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 1205 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 1205 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 a network.

Referring to FIG. 12, when the predetermined information registration terminal is connected to the information registration server 1200 through the interface unit 1205, the information registration server 1200 interworks with the interface unit 1205 for the information. The user registration terminal generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting the item seller-related information including at least one item seller information, the item seller account information, and the sale item information. An information receiving unit for receiving predetermined goods seller-related information transmitted from the information registration terminal (or selected) through the user interface in cooperation with the interface providing unit 1210 and the interface unit 1205 ( 1215), goods seller information, goods seller account information, and sales items included in the received goods seller related information. The escrow information processing associated with the account will be characterized by comprising an information storage section 1225 to store in a storage medium.

The interface providing unit 1210, when a predetermined information registration terminal is connected to the information registration server 1200 through the interface unit 1205, the goods seller-related information corresponding to the functional configuration provided in the information registration terminal To generate (or select) a predetermined user interface that can be transmitted to the information registration server 1200 through the network means, or to extract from a predetermined database (not shown), and the interface unit 1205 And providing the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) goods seller related information including at least one of the goods seller information, the goods seller account information, and the goods sold information based on the user interface, and the input (or selection). The item seller related information is transmitted to the information registration server 1200 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 1210 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 1205.

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 1210 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 1205.

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 1210 may use 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 1205.

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 1210 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 1205. 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 1210 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 1205.

The information receiving unit 1215 inputs (or selects) the goods seller related information including at least one of goods seller information, goods seller account information, and goods sold information through the user interface at the information registration terminal to provide the network means. When transmitting through, it is characterized in that for receiving the goods seller-related information in conjunction with the interface unit 1205, and provides the received goods seller-related information to the validity check unit 1220.

The validity confirming unit 1220 is characterized by checking whether the goods seller-related information received from the information registration terminal satisfies the validity for the goods joint purchase escrow service using the ARS according to the present invention.

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

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, corresponding to the goods seller ID included in the goods seller-related information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether ID information exists.

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, whether the goods seller information included in the goods seller-related information is identical to the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

When the validity of the goods seller-related information is confirmed, the information storage unit 1225 processes the goods seller information, the goods seller account information, and the goods sold information included in the goods seller related information in association with a predetermined escrow account. The storage medium may be stored in a storage medium. When the storage medium is provided in the information registration server 1200 or on the network associated with the information registration server 1200, the information storage unit 1225 It is preferable to store the goods seller information, goods seller account information and sales goods information included in the received goods seller information in association with the escrow account and store in the storage medium, the storage medium is provided on the financial system When provided in the DBMS, the information storage unit 1225 includes the water contained in the received merchandise related information. To store the processing associated with the escrow account to the seller information and goods seller account information and selling goods information in the DBMS provided on the financial system to provide information to step through the FEP system on the financial system is preferred.

FIG. 13 is a diagram illustrating the configuration of goods seller information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a co-purchase escrow service using ARS according to an embodiment of the present invention.

In more detail, in FIG. 13, when the storage medium illustrated in FIG. 12 is a ledger D / B provided in a DBMS on a financial system, the book seller information included in the ledger D / B is included in the article seller related information. An information structure of an embodiment of storing goods seller information, goods seller account information, and goods for sale information in association with a predetermined escrow account is shown, and a person having ordinary knowledge in the technical field to which the present invention belongs, Although various information construction methods for storing the seller information related to the goods in the ledger D / B may be inferred by referring to or modifying the drawing 13, the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown.

Referring to FIG. 13 according to an embodiment of the present invention, an account ledger corresponding to an item seller account opened under the name of the item seller included in the item seller related information is processed in association with an account ledger corresponding to the escrow account. And the ledger D / B on the financial system, and the account ledger corresponding to the goods seller account is linked to a predetermined customer ledger corresponding to the goods seller.

Here, the customer ledger corresponding to the merchandise seller may include a customer information file (CIF) number, a country code, a contact person ID, a sales office number, a customer classification, a customer name, a customer address, a regional classification code, a telephone number, a business number, a trade name, and a classification. Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage , Parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the goods seller account is characterized in that the relationship is processed in relation to the account ledger corresponding to the escrow account, the account ledger information corresponding to the goods seller account is ledger provided on the financial system It is preferable to include at least one ledger information to be included in the account ledger provided in the D / B.

FIG. 14 is a diagram illustrating a commodity seller information structure stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a co-purchase escrow service using ARS according to another embodiment of the present invention. Drawing.

In more detail, FIG. 14 illustrates a case in which the storage medium shown in FIG. 12 includes a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. An information structure of an embodiment of storing goods seller information, goods seller account information, and goods for sale information in association with a predetermined escrow account is shown, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 14, it is inferred from the various information configuration methods for storing the information related to the goods seller including the goods seller information, goods seller account information and sales goods information in a predetermined database in association with the ledger D / B. As will be appreciated, the present invention includes all implementation methods inferred and Surface shall not be limited to the exemplary method shown in Figure 14.

In particular, in FIG. 14, when it is not easy to store the goods seller-related 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, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the information relating to the seller of the goods is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / An implementation method of linking and storing B is illustrated.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 14, and the 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 may store and store the goods seller information, goods seller account information and sales goods information included in the goods seller related information in association with a predetermined escrow account, the database is the ledger D It is preferable to further include a CIF number identified through customer information included in the goods seller related information to be processed in conjunction with / B.

FIG. 15 is a diagram illustrating the configuration of goods seller information stored in a DBMS provided in a payment server in a non-face-to-face manner for a co-purchase escrow service using ARS according to another embodiment of the present invention.

In more detail, FIG. 15 is provided in a DBMS in which a storage medium shown in FIG. 12 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 the case of the technical field to which the present invention belongs, the seller relates to the goods seller information, goods seller account information and sales goods information contained in the goods seller-related information in association with a predetermined escrow account, Those skilled in the art may refer to or modify this drawing 15 to infer a method of constructing information on goods seller-related information stored in a predetermined DBMS provided in at least one or more payment servers. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. Should you.

According to the present invention, the predetermined DBMS provided in the payment server is characterized by storing the goods seller information, goods seller account information and sales goods information included in the goods seller related information in association with the escrow account. .

16 is a diagram illustrating a process of registering goods seller information in a non-face-to-face manner for a co-purchase escrow service using ARS according to an embodiment of the present invention.

In more detail, in FIG. 16, when the information registration server 1200 on the information registration system shown in FIG. 12 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to an information registration server 1200 and connecting a communication channel for information registration according to the present invention, the goods seller information, goods seller account information and sales goods information to the information registration server 1200 through the communication channel. When transmitting the goods seller-related information including a, the information registration server 1200, the goods seller information, goods seller account information and sales goods information included in the received goods seller-related information associated with a predetermined escrow account processing The present invention relates to an implementation method of storing in a predetermined storage medium, to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the goods seller related information from the client terminal to the information registration server 1200 by referring to or modifying the drawing 16. It includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the information registration server 1200 shown in FIG. 12 is called "server" for convenience, and the information is registered in the client terminal. The goods seller information, the goods seller account information, and the goods sold information which are transmitted to the server 1200 are referred to as "product seller related information" for convenience.

Referring to Figure 16, the client terminal shown in Figure 12 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 Access a server through a communication network or an IEEE 802.16x-based mobile Internet, etc.), connect a predetermined communication channel for registering goods seller related information for a goods joint purchase escrow service using the ARS, and connect the goods seller related information. When requesting registration (1600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the goods seller related information (1605), and generates (or extracts) through the communication channel. In operation 1610, the transmitted web page is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) goods seller related information including at least one of the goods seller information, the goods seller account information, and the goods sold information in the terminal. It is preferable to make it.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the article seller-related information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) item seller related information including at least one item seller information, item seller account information, and sale item information through the information registration interface (1615).

If the terminal receives (or selects) goods seller related information including the goods seller information, goods seller account information, and goods sold information through the information registration interface (1620), the terminal receives the information through the communication channel. The input (or selected) item seller information, the item seller account information, and the sale item information are transmitted to the server (1625).

According to an embodiment of the present invention, transmitting the input (or selection) of the goods seller information, the goods seller account information, and the sales goods information to the server through the communication channel is input (or selection). The electronic device may further include transmitting the item seller related information to the server through an electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the item seller information, the item seller account information, and the sale item information through the communication channel to confirm the validity of the item seller related information (1630).

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

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, corresponding to the goods seller ID included in the goods seller-related information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether ID information exists.

In addition, according to the method of the present invention, the validity check of the information related to the goods seller, whether the goods seller information included in the goods seller-related information is identical to the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

If the validity of the item seller related information is not authenticated (1635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640), and corresponds to the item seller related information. Do not perform the information registration procedure.

On the other hand, if the validity of the goods seller-related information is authenticated (1635), the server performs an information registration procedure corresponding to the goods seller-related information, thereby prescribing the goods seller information, goods seller account information and sales goods information. The process is linked to the escrow account and stored in a predetermined storage medium (1645).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium is the financial It may be a ledger D / B provided in the DBMS on the system, 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 banking 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 information registration system. It is possible to be provided in the DBMS on the 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 (1650), thereby completing the procedure of registering the goods seller related information transmitted from the terminal.

FIG. 17 is a diagram illustrating a system for joint purchase escrow service system using ARS according to an exemplary embodiment of the present invention.

In more detail, in FIG. 17, an escrow account is opened through which an account purchase amount withdrawn from at least two or more co-buyer accounts for a co-purchase of a given item is opened through the account opening system shown in FIG. 1 or FIG. After the goods seller-related information for selling the goods to be jointly purchased through the information registration system shown in FIG. 7 or 12 is stored in a predetermined storage medium (or ledger D / B on a financial system), At least two item purchaser communication means (e.g., landline or wireless telephone) participating in the joint purchase are sent to the server on the article joint purchase escrow service system through a predetermined Automatic Response Service (ARS). When sending the joint purchase request information including at least one, the server in the article After notifying the joint purchase request information to a seller terminal, withdrawing the goods purchase amount from the accounts of the goods buyers and depositing them with the escrow account, and receiving the purchase goods receipt confirmation information from the goods buyers, the escrow A system configuration for depositing and depositing an item purchase amount deposited in an account and depositing it into the item seller account. If a person of ordinary skill in the art belongs to the present invention, the ARS is referred to or modified with reference to FIG. Various implementation methods for the construction of the joint purchase escrow service system used may be inferred, but the present invention includes all the implementation methods inferred, and its technical features are limited only by the implementation method shown in FIG. Not.

The article co-purchase escrow service system using the ARS according to the embodiment shown in FIG. 17 is connected to a server on the article co-purchase escrow service system through a predetermined automatic response service (ARS) to provide the goods purchase information and account. A product caller communication means (for example, a wired telephone or a wireless telephone) for transmitting the joint purchase request information including at least one information, a voice call channel is connected through the article purchaser communication means and a wired / wireless communication network, and the voice call Receive the co-purchase request information from the goods buyer communication means through the channel based ARS, withdraw the goods purchase amount from the account of the goods buyers and deposit with the escrow account, and then the purchase from the goods buyers When the goods receipt confirmation information is received, And to withdraw the goods purchase amount that was deposited in the escrow account includes a server that handles transfer to the goods merchant account features that made.

The goods purchaser communication means has a call processing function for connecting at least one voice call channel through a predetermined wired / wireless communication network, a dual tone multi-frequency (DTMF) scheme or data communication based on the voice call channel. It is characterized in that it is provided with a function for transmitting at least one joint purchase request information to the server through.

Those skilled in the art to which the present invention pertains include a call processing function for connecting the voice call channel in the CDMA / WCDMA based wireless communication network and a wired telephone network, or a wired / wireless VoIP communication network, the complex frequency code method, and It will be familiar with the technical features of the various terminals with a financial transaction request information transmission function based on / or data communication, a detailed description thereof will be omitted for convenience.

According to the present invention, an article seller selling escrow account information opened through the account opening system shown in FIG. 1 or FIG. 3 and through the information registration system shown in FIG. 7 or FIG. 12. The related information (eg, goods seller information, goods seller account information, sales goods information, etc.) is provided on the server or on a network accessible from the server.

According to an embodiment of the present invention, the article seller information stored in the storage medium, seller name, seller business registration number, seller address, seller phone number, mobile phone number, ARS number for joint purchase escrow services, seller unique ID, etc. It may be made to include at least one.

The seller account information confirms that the amount deposited into the escrow account from the account of at least two or more co-buyers wishing to purchase a given item for sale by the seller has arrived to the co-buyer in accordance with the present invention. After that, the amount withdrawn from the escrow account may be made including the account holder and account number for the account opened in the name of the seller to be deposited.

The sales item information may include at least one item name, item quantity, item price, item unique ID, etc. sold by the seller.

According to the embodiment of the present invention, the joint purchase request information, the customer preferably comprises a predetermined authentication information for the financial transaction according to the joint purchase, the authentication information, according to the intention of those skilled in the art It is possible to include at least one or more account password, financial transaction password, security card information, etc. corresponding to the goods buyer financial account, thereby not limited to the present invention.

According to the present invention, the server is a voice call interface unit for connecting a voice call channel and at least one article purchaser communication means provided on the wired and wireless communication network through a voice call function, the article in connection with the voice call interface unit A voice information providing unit for providing predetermined co-purchase voice information for requesting to input (or select) and transmit co-purchase request information including at least one of the goods purchase information and account information to a buyer communication means; A DTMF processor for receiving and reading a complex frequency code (or data) transmitted according to the joint purchase voice information by a communication means, and the article purchase information and account from the complex frequency code (or data) received and read by the DTMF processor. Co-purchase request information including at least one piece of information An information checking unit for extracting information, an information confirmation unit for confirming goods seller information and escrow account information corresponding to the goods purchase information included in the joint purchase request information extracted by the information extraction unit, and an item corresponding to the confirmed goods seller information An information transmission unit for transmitting the goods purchase request information to a seller terminal, an escrow processing unit for withdrawing the goods purchase price from the goods buyer accounts and depositing the goods into the escrow account, and after the goods are delivered to the goods buyer And an information receiver for receiving predetermined receipt confirmation information indicating that the goods have been received from the goods purchaser communication means (or the terminal) participating in the joint purchase, and when the receipt confirmation information is received from the goods purchaser communication means, from the escrow account. Withdraw the purchase price of the goods Characterized in that comprises part payment processing purchase price payment for goods to the seller account.

In addition, according to an embodiment of the present invention, the server generates receipt confirmation information including a predetermined unique identification code to be provided to the at least one or more buyers of goods participating in the joint purchase of goods sold by the goods seller It may be configured to further include an information generating unit.

The voice call interface unit may connect and maintain the goods purchaser communication means and a predetermined voice call channel according to a call processing procedure defined in the wired or wireless communication network. Preferably, the means is assigned a predetermined telephone number to which the voice call channel is to be connected through the call processing procedure.

Those skilled in the art to which the present invention pertains, the voice call interface unit connects the goods purchaser communication means and a predetermined voice call channel according to each call processing procedure corresponding to each wired or wireless communication network. And it will be familiar with the technical features to manage, so a detailed description thereof will be omitted for convenience.

The voice information providing unit requests a joint purchase request including at least one predetermined product purchase information and account information to the article purchaser communication unit after the voice call interface unit is connected to the article purchaser communication unit and a predetermined voice call channel. Extract (or combine) at least one or more voice information (e.g., voice announcement, etc.) for inputting (or selecting) and transmitting the information from a predetermined database (not shown), and extracting (or combining) the voice call interface unit. And providing joint purchase voice information including at least one of the combined voice information to the article purchaser communication means connected to the voice call channel.

The DTMF processing unit transmits the joint purchase request information including at least one item purchase information and account information corresponding to the joint purchase voice information in a complex frequency code method (or a data communication method) in response to the joint purchase voice information. And receiving and reading a complex frequency code (or data) transmitted from the article purchaser communication means in association with the voice call interface.

The information extracting unit extracts co-purchase request information including at least one of predetermined product purchase information and account information corresponding to each co-purchase voice information from the complex frequency code (or data) received and read by the DTMF processor. It is characterized by.

Here, the joint purchase request information may be configured to further include predetermined transaction authentication information (eg, account password, financial transaction password, security card information, etc.) for the withdrawal of the goods price from the goods purchaser account.

In addition, the item purchase information included in the joint purchase request information, may be configured to include at least one item unique code, item price, product seller unique code, etc. that the item buyer wants to joint purchase.

In addition, the goods buyer account information included in the joint purchase request information, characterized in that the account, including the financial account number opened in the name of the goods buyer, the goods purchase price is withdrawn.

According to another exemplary embodiment of the present invention, the voice call interface unit, the voice information providing unit, the DTMF processing unit, and the information extracting unit may be implemented in the form of a predetermined answering machine connected to the server, in addition to the server. The present invention is not limited.

Referring to FIG. 17, when the at least one joint purchase request information is extracted through the information extracting unit, the information confirming unit checks the goods seller information corresponding to the extracted goods buyer unique code.

According to another exemplary embodiment, when the at least one joint purchase request information is extracted through the information extracting unit, the information confirming unit checks the item seller information corresponding to the extracted product unique code.

In addition, the information checking unit, characterized in that through the information registration system shown in Figure 7 or 12 confirms the escrow account information corresponding to the goods seller information stored in the storage medium.

According to another exemplary embodiment, the information confirming unit may identify escrow account information corresponding to the goods seller account information stored in the storage medium through the information registration system illustrated in FIG. 7 or 12.

The information transmitter may transmit the goods purchase request information to the goods seller wired / wireless terminal corresponding to the goods seller information confirmed through the information checking unit, so that the goods seller recognizes the goods purchase request.

For example, the goods purchase request information is transmitted to the goods seller e-mail, or sent to the goods seller wireless terminal by SMS (Shot Message Service), or a predetermined bulletin board (or blog, or homepage or mini homepage, etc.) It may be posted, but is not limited thereto.

The escrow processing unit may withdraw the purchase price of the goods from the accounts of at least two or more goods buyers participating in the joint purchase of the goods sold by the goods seller, and deposits the goods into the confirmed escrow account.

For example, the purchase price of the goods deposited to the escrow account through the escrow processing unit is automatically withdrawn after it is confirmed that the goods purchaser has received the goods, unless there is a request for refund or return of the goods buyer. It is characterized in that the deposit is processed into the goods seller account.

Thereafter, the item seller who confirms the goods purchase request information delivers the goods to the goods buyer, and the information receiving unit, after the goods are delivered to the goods buyer participating in the joint purchase, the goods buyer communication means (for example, And receiving predetermined receipt confirmation information indicating that the article has been received from a landline or a wireless telephone (including mobile communication).

According to another exemplary embodiment of the present invention, the information receiving unit receives the article from the article purchaser terminal (eg, a PC that can access the server) after the article is delivered to the article purchaser who participated in the joint purchase. Receiving predetermined receipt confirmation information.

Here, the receipt confirmation information is information confirmed through a predetermined receipt confirmation button (or key) inputted (or selected) by an article buyer connected to the server, or predetermined receipt authentication delivered together when the article is delivered. The code is characterized in that the information is confirmed by the buyer of the goods to enter (or select) by connecting to the server.

According to one embodiment of the invention, the information generating unit, characterized in that for generating or assigning a predetermined authentication number (or authentication code) for each item buyer participating in the joint purchase of the article.

For example, the goods seller delivers the authentication number (or authentication code) generated or assigned for the goods buyer (or optionally) together with the goods to the goods buyer, and after the goods buyer receives the goods, By accessing (or selecting) the server via a communication means (or terminal) and inputting (or selecting) the authentication number (or authentication code) delivered with the goods, it can be notified that the goods have been normally received.

When the payment confirmation unit receives the receipt confirmation information from the goods purchaser communication means (or the terminal), withdraw the goods purchase price from the escrow account, characterized in that the payment processing to the goods seller account.

The information storage unit may store the information on the joint purchase transaction between the item seller and the item buyer in association with the item seller information and the item buyer information in the storage medium.

Alternatively, the information storage unit may process the joint purchase transaction details between the goods seller and the goods buyer in association with the goods seller information and store the information in the storage medium.

Alternatively, the information storage unit may store the information on the joint purchase transaction between the item seller and the item buyer in association with the item buyer information and store the information in the storage medium.

Referring to FIG. 17, a financial institution interworking with the co-purchase escrow service system using the ARS, and opening an escrow account to which the co-purchase payments withdrawn from the at least two co-purchasers accounts, is provided to at least one financial transaction customer. It is characterized in that it comprises a predetermined financial system for providing at least one or more financial transactions (for example, credit, receiving, foreign exchange, financial investment, etc.) services.

The financial system provided in the financial institution that opened the article seller account or the article buyer account includes at least one window terminal and a predetermined financial network (eg, a branch network) provided at a branch (or a main office or a branch) of the financial institution. Characterized in that connected through, through the window terminal provides a face-to-face financial transaction service for at least one financial transaction customer, the financial transaction service is a joint purchase price withdrawn from the at least two joint buyer account It is desirable to include a financial transaction service for opening an escrow account to be deposited.

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or a main office or a branch) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (and / or another financial institution branch), or at least one financial terminal provided in a public place and connected through a predetermined financial network (e.g., a CD common network). And providing a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is escrow in which the joint purchase price withdrawn from the at least two joint purchaser accounts is deposited. It is desirable to include financial transaction services for account opening and operation.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or a mobile terminal), wherein the financial transaction service is an escrow account for depositing a joint purchase price withdrawn from the at least two joint purchaser accounts. Including financial transaction services for opening and operation Is preferred.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) equipped with a connection and browsing function connected to the mobile communication network) based on a mobile Internet, or a DataTAC / Mobitex-based wireless data communication network. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal or a personal digital assistant (PDA) or a smart phone or telematics, etc., wherein the financial transaction service is the at least 2 For the opening and operation of escrow account where the joint purchase price withdrawn from the above joint purchaser account is deposited. It comprises a financial transaction services are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. It provides a chip-based non-face-to-face financial transaction service, wherein the financial transaction service comprises a financial transaction service for opening and operating an escrow account in which the joint purchase price withdrawn from the at least two co-purchaser account is deposited. Do.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service is a finance for opening and operating an escrow account in which a joint purchase amount withdrawn from the at least two joint purchaser accounts is deposited. It is preferable to include a transaction service.

In addition, the financial system is characterized in that associated with a predetermined home banking server, through the at least one home appliance (for example, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service provides a financial transaction service for opening and operating an escrow account in which a joint purchase amount withdrawn from the at least two co-purchaser accounts is deposited. It is preferable to comprise.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service opens an escrow account for depositing a joint purchase price withdrawn from the at least two joint buyer accounts. And financial transaction services for operation.

Referring to FIG. 17, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) to access the financial system, and / or And an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to at least one or more financial transaction customers (for example, business owners), at least one or more financial based on the financial account And a ledger D / B on a financial system that stores at least one ledger for providing a transaction service, wherein the ledger D / B on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and at least corresponding to each ledger information (e.g., more specifically or supplementing the attributes / functions of each ledger) One or more ledger additional information is stored in association with each other. It is done.

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

The account opening server 1700 provided on the account opening system according to the present invention is a generic term for the component co-purchase escrow service system side component using ARS connected to the teller terminal through a predetermined financial network. 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.

18 is a diagram illustrating a co-purchase escrow service process using ARS according to an embodiment of the present invention.

More specifically, FIG. 18 illustrates an escrow account for depositing co-purchase payments withdrawn from at least two co-buyer accounts for a co-purchase of a given item through the account opening system shown in FIG. 1 or FIG. 3. After the goods seller-related information for selling the goods to be jointly purchased through the information registration system shown in FIG. 7 or 12 is stored in a predetermined storage medium (or ledger D / B on a financial system), Purchase at least two item purchaser communication means (e.g., landline or wireless telephone) participating in the joint purchase through a predetermined Automatic Response Service (ARS) to a server on the article joint purchase escrow service system shown in FIG. When the joint purchase request information including at least one information and account information is transmitted, Notifies the joint purchase request information to the goods seller terminal, withdraws the goods purchase amount from the accounts of the goods buyers and deposits them with the escrow account, and then receives the purchase goods receipt confirmation information from the goods buyers. If a person having ordinary knowledge in the technical field to which the present invention pertains, the present invention relates to a system configuration for withdrawing the goods purchase amount deposited in the escrow account and depositing the goods into the goods seller account. By using the ARS can be inferred various implementation methods for the co-purchase escrow service process, the present invention comprises all the inferred implementation methods, the technical features only by the implementation method shown in Figure 18 This is not limited.

Referring to FIG. 18, a process of requesting connection and co-purchase of a voice call channel with a server through a communication network in a predetermined purchaser communication means is initiated (1800). The server provides co-purchase voice information for the requested co-purchase. Extract (combine) and provide the goods to the buyer communication means (1805).

Then, the article purchaser communication means transmits the joint purchase request information corresponding to the joint purchase voice information to the server through the voice call channel in a complex frequency code method (1810).

The server verifies the validity of the extracted joint purchase request information and the extracted joint purchase request information (1815).

Here, the validation of the joint purchase request information includes checking whether the item purchase information and the account information included in the joint purchase request information are correctly inputted (or selected).

If the validity of the co-purchase request information is not confirmed (1820), the server generates co-purchase request information error information and transmits the co-purchase request information error information (1825).

On the other hand, when the validity of the joint purchase request information is confirmed (1820), the server checks (or extracts) the item purchase information and the item buyer account information corresponding to the joint purchase request information in association with the storage medium ( 1830).

Upon checking (or extracting) the item purchase information and the item buyer account information corresponding to the joint purchase request information, the server checks the item seller information (or the item seller account information) corresponding to the item buyer information or the item buyer account information. (1835).

In addition, the server checks escrow account information corresponding to the confirmed goods seller information (or goods seller account information) (1840), withdraws the purchase price of goods from the goods buyer account, and deposits money into the escrow account. (1845).

The server transmits the co-purchase request information to the item seller terminal corresponding to the item seller information (or the item seller account information) (1850), and generates a predetermined authentication number (or code) to be used as receipt confirmation information. Or grant) to the seller of the goods (1855).

Thereafter, the goods seller processes the co-purchased goods to the goods buyer including the generated authentication number (or code) (1860), and the server transmits the authentication number (or code) from the goods purchaser communication means. (Receipt confirmation information) periodically checks whether or not reception (1865).

If the receipt confirmation information is received from the goods purchaser communication means (1870), the server withdraws the goods purchase price deposited in the escrow account, and deposits the goods into the goods seller account (1875).

Through the method and system for providing a product co-purchase escrow service based on the voice call channel according to the present invention, the customer can participate in the joint purchase more conveniently.

In addition, customers have the advantage of being able to participate in safe joint purchase through escrow services.

In addition, financial institutions have the advantage that they can achieve customer acquisition and revenue generation by providing new services.

Claims (5)

Storing and storing the item seller information and the account information of the item seller in a predetermined storage medium in a predetermined information registration means; Processing, by a predetermined signal processing means, a complex frequency code signal corresponding to a predetermined voice announcement from at least one or more article purchaser call terminals in a voice purchase channel based article purchase transaction; Extracting goods purchase information including the goods buyer information, goods seller information, goods purchased information and goods buyer account information from the complex frequency code signal by a predetermined information extracting means; Transmitting the extracted goods purchase information to the goods seller terminal by a predetermined information transmitting means; Withdrawing the goods purchase price from the accounts of at least one or more goods buyers who participated in the goods purchase in a predetermined escrow processing means and deposits the goods into a predetermined escrow account; Receiving receipt confirmation information for the article from at least one or more article purchasers participating in the purchase of the article in a predetermined information receiving means; And And depositing the purchase price of the goods deposited in the escrow account by the predetermined information processing means and depositing the goods into the goods seller account. According to claim 1, Receiving receipt confirmation information for the article from at least one or more article buyers participating in the article purchase in the predetermined information receiving means, At least one participating in the purchase of the article in a predetermined information generating means Generating a predetermined receipt confirmation unique code (or information) to provide to one or more buyers of the item; Providing the generated receipt confirmation unique code (or information) to the article seller; Providing said receipt confirmation unique code (or information) to said at least one or more item buyers participating in the purchase of said item; And Receiving the receipt confirmation unique code (or information) from at least one or more goods buyers participating in the goods purchase, and confirming whether or not the goods are received by the goods purchaser; How to provide co-purchase escrow services. The method of claim 1, Receiving receipt confirmation information for the article from at least one or more article buyers participating in the article purchase in the predetermined information receiving means, Processing a complex frequency code signal corresponding to a predetermined voice announcement from at least one article purchaser call terminal in a predetermined signal processing means; And extracting the receipt confirmation information from the complex frequency code signal by a predetermined information extraction means. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3. Information registration means for linking the goods seller information and the account information of the goods seller to store in a predetermined storage medium; Signal processing means for processing a complex frequency code signal corresponding to a predetermined voice message from at least one or more goods purchaser call terminals during a goods purchase transaction based on a voice call channel; Information extracting means for extracting goods purchase information including the goods buyer information, goods seller information, goods purchased information and goods buyer account information from the complex frequency code signal; Information transmitting means for transmitting the extracted goods purchase information to the goods seller terminal; Escrow processing means for withdrawing the goods purchase price from the accounts of at least one or more goods buyers participating in the goods purchase and depositing the goods into a predetermined escrow account; Information receiving means for receiving receipt confirmation information for the article from at least one or more article purchasers participating in the article purchase; And information processing means for withdrawing the goods purchase price deposited in the escrow account and depositing the goods into the goods seller account.

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