KR20090001948A - System and method for processing loan and program recording medium - Google Patents

System and method for processing loan and program recording medium Download PDF

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Publication number
KR20090001948A
KR20090001948A KR1020070052394A KR20070052394A KR20090001948A KR 20090001948 A KR20090001948 A KR 20090001948A KR 1020070052394 A KR1020070052394 A KR 1020070052394A KR 20070052394 A KR20070052394 A KR 20070052394A KR 20090001948 A KR20090001948 A KR 20090001948A
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KR
South Korea
Prior art keywords
information
company
loan
predetermined
face
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KR1020070052394A
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Korean (ko)
Inventor
박용세
Original Assignee
주식회사 신한은행
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Priority to KR1020070052394A priority Critical patent/KR20090001948A/en
Publication of KR20090001948A publication Critical patent/KR20090001948A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/14Payment architectures specially adapted for billing systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0609Buyer or seller confidence or verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3263Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements

Abstract

The present invention relates to a loan processing method and system and a program recording medium therefor, and the loan processing method according to the present invention includes information on purchase company, payment account information and contract corresponding to a predetermined purchase company in a predetermined information registration means. The predetermined storage medium by linking the settlement agreement information including the limit information, the contract period information, and the selling company information corresponding to the predetermined selling company, the loan account information, the contract limit information, and the loan contract information including the contract period information. Storing sales information, including sales company information and transaction history information for the automatic repayment of the selling price provided from the selling company, in a predetermined information receiving means; Investigation of the creditworthiness of the purchasing company that purchased certain goods from the selling company and the loan amount Setting a limit, transmitting the bond transfer information for the loan of the selling company from the predetermined information processing means, and receiving the acceptance information for the bond transfer from the purchasing company and the predetermined Checking the storage information related to the purchasing company and the selling company in association with the storage medium in the loan processing unit, and providing a predetermined loan to the selling company based on the identified information.

Description

Loan processing method and system and program recording medium therefor {System and Method for Processing Loan and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for a predetermined loan for selling goods of a selling company according to an exemplary embodiment of the present invention.

FIG. 2 is a diagram illustrating the arrangement of loan agreement information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a predetermined loan corresponding to a sale item of a selling company according to an exemplary embodiment of the present invention.

Figure 3 is a loan agreement information configuration stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention Figure is shown.

4 is a view showing the configuration of loan commitment information stored in the DBMS provided in the banking server in a face-to-face manner for a predetermined loan for the sale of goods of the selling company according to another embodiment of the present invention.

5 is a diagram illustrating a process of registering loan commitment information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face information registration system for a predetermined loan corresponding to the sale of goods by a selling company according to another exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating the arrangement of loan agreement information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a predetermined loan for sale of goods of a selling company according to another embodiment of the present invention. .

8 is a loan agreement information structure stored in a database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention Figure is a diagram.

FIG. 9 is a diagram illustrating a loan agreement information structure stored in a DBMS provided in a banking server in a non-face-to-face manner for a predetermined loan corresponding to the sale of goods of a selling company according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a process of registering loan commitment information in a non-face-to-face manner according to one embodiment of the present invention.

11 is a diagram illustrating a face-to-face information registration system for payment for a purchased item of a purchasing company according to an embodiment of the present invention.

12 is a diagram showing the configuration of payment arrangement information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment of the purchase goods of the purchasing company according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating payment arrangement information structure 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 payment of a purchasing company according to another exemplary embodiment of the present invention.

14 is a diagram showing the configuration of the payment agreement information stored in the DBMS provided in the banking server in a face-to-face manner for payment for the goods purchased by the purchasing company according to another embodiment of the present invention.

15 is a diagram illustrating a process of registering payment contract information in a face-to-face manner according to an embodiment of the present invention.

16 is a diagram illustrating a non-face-to-face information registration system for payment for a purchased item of a purchasing company according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating payment arrangement information structure stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner in order to pay for goods purchased by a purchasing company according to another embodiment of the present invention. .

FIG. 18 is a diagram illustrating payment arrangement information structure stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for payment of a purchasing company according to another embodiment of the present invention. .

19 is a diagram showing the configuration of the payment agreement information stored in the DBMS provided in the banking server in a non-face-to-face for the payment of the purchase goods of the purchasing company according to another embodiment of the present invention.

20 is a diagram illustrating a process of registering payment agreement information in a non-face-to-face manner according to one embodiment of the present invention.

FIG. 21 is a diagram illustrating a non-face-to-face sales history information registration system for automatically recovering a payout of a selling company according to an exemplary embodiment of the present invention.

22 is a diagram showing the structure of the sales information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the automatic payment of sales payout in accordance with an embodiment of the present invention.

FIG. 23 is a diagram illustrating a structure of sales history information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for automatic collection of payouts according to another exemplary embodiment of the present invention.

FIG. 24 is a diagram illustrating a configuration of sales information stored in a DBMS provided in a banking server in a non-face-to-face manner for automatic collection of payouts according to another exemplary embodiment of the present invention.

25A and 25B illustrate a process of registering sales history information in a non-face-to-face manner for automatically recovering payouts according to an exemplary embodiment of the present invention.

26A, 26B, and 26C illustrate a process of registering sales history information through a non-face-to-face financial transaction channel for automatic collection of payouts according to an exemplary embodiment of the present invention.

FIG. 27 is a diagram illustrating a system for registering sales history information in a face-to-face manner for automatically recovering a payout of a selling company according to another exemplary embodiment of the present invention.

FIG. 28 is a diagram showing the structure of sales information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the automatic retrieval of the selling price of the selling company according to one embodiment of the present invention.

29 is a view showing the structure of the sales information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the automatic recovery of the payout of the selling company according to another embodiment of the present invention .

30 is a view showing the configuration of the sales information stored in the DBMS provided in the banking server in a face-to-face manner for the automatic recovery of the sales price of the selling company according to another embodiment of the present invention.

31A and 31B illustrate a process of registering sales history information in a face-to-face manner according to an exemplary embodiment of the present invention.

32A and 32B illustrate a process of registering sales history information in a face-to-face manner according to another exemplary embodiment of the present invention.

33A and 33B illustrate a process of registering sales details information in a face-to-face manner according to another exemplary embodiment of the present invention.

34 is a diagram illustrating a non-face-to-face loan application information registration system for a predetermined loan corresponding to the sale of goods by a selling company according to an embodiment of the present invention.

35 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan for the sale of goods of the selling company according to another embodiment of the present invention .

36 shows loan application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a predetermined loan corresponding to the sale of goods of a selling company according to another embodiment of the present invention. Figure is a diagram.

37 is a view showing the configuration of the loan application information stored in the DBMS provided in the banking server in a non-face-to-face for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention.

38 is a diagram illustrating a process of registering loan application information in a non-face-to-face manner according to one embodiment of the present invention.

FIG. 39 is a diagram illustrating a face-to-face loan application information registration system for a predetermined loan corresponding to the sale of goods by a selling company according to another exemplary embodiment of the present invention.

40 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan corresponding to the goods sold by the selling company according to another embodiment of the present invention .

41 is a view illustrating the configuration of loan application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a predetermined loan corresponding to the sale of goods of a selling company according to another embodiment of the present invention. Figure is shown.

FIG. 42 is a view showing the configuration of loan application information stored in a DBMS provided in a banking server in a face-to-face manner for a predetermined loan for sale of goods by a selling company according to another embodiment of the present invention.

43 is a diagram illustrating a process of registering loan application information in a face-to-face manner according to an embodiment of the present invention.

44 is a view showing a payment processing system for the automatic recovery of the selling price of the selling company according to the embodiment of the present invention.

45 is a diagram illustrating a payment processing process for the automatic recovery of the selling price of the selling company according to the embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: validation unit

130: storage medium 140: information registration terminal

145: teller terminal

According to the present invention, payment agreement information including purchase company information, payment account information, contract limit information, and contract term information corresponding to a predetermined purchase company in a predetermined information registration means and sales company information corresponding to a predetermined selling company And cooperatively processing loan agreement information including loan account information, agreement limit information, and agreement term information in a predetermined storage medium, and for automatically recovering the selling price provided from the selling company in a predetermined information receiving means. Receiving sales history information including sales company information and transaction history information, and establishes a credit check for the purchase company that purchased the goods from the sales company and the limit on the loan amount in a predetermined limit setting means And a loan for the selling company to the buying company in a predetermined information processing means. Transmitting the grant information, receiving acceptance information on the bond transfer from the purchasing company, and confirming storage information related to the purchasing company and the selling company in connection with the storage medium in a predetermined loan processing means, and It relates to a loan processing method comprising the step of providing a predetermined loan to the selling company based on the identified information.

As electronic payment products are in the spotlight, financial institutions need to develop competitive advantage products over other payments, and alternative products are needed according to the competitiveness of purchasing theory.

For example, the purchase history (transaction approval) sent by the purchasing company may be recognized as guaranteed by the bank, so there is a risk that the bank will bear only the risk without handling the loan (revenue). In the same way, the company's competitiveness will be further reduced.

An object of the present invention for solving the above problems, corresponding to the purchase company information, payment account information, contract limit information, contract term information, and contract period information corresponding to a predetermined purchase company corresponding to a predetermined selling company Information registration means for linking and processing the loan agreement information including the selling company information, the loan account information, the contract limit information, and the contract period information, and storing the information on the predetermined storage medium; Information receiving means for receiving sales history information including sales company information and transaction history information, and a limit setting means for setting a limit on the credit amount survey and the loan amount for a purchasing company that has purchased a predetermined product from the selling company; And, to transfer the bond transfer information for the loan of the selling company to the purchasing company, the purchasing company Information processing means for receiving acceptance information on the bond transfer from the client, and the storage information related to the purchasing company and the selling company in connection with the storage medium, and a predetermined loan to the selling company based on the identified information. In providing a loan processing system including a loan processing means for providing a.

In the loan processing method according to the present invention, payment agreement information including predetermined purchase company information, payment account information, contract limit information, contract period information, and predetermined selling company corresponding to the predetermined purchase company in the predetermined information registration means. And cooperatively processing the loan agreement information including the selling company information, the loan account information, the agreement limit information, and the agreement period information corresponding to the information, and storing the loan agreement information in a predetermined storage medium; Receiving sales history information including sales company information and transaction history information for the automatic recovery of the selling price, credit check for the purchase company that purchased the goods from the selling company in the predetermined limit setting means and the loan Setting a limit on an amount of money, and informing the purchaser from the predetermined information processing means. Transmitting bond transfer information for the loan of the enterprise, receiving acceptance information on the bond transfer from the purchasing company, and storing in relation to the purchasing company and the selling company in association with the storage medium in a predetermined loan processing means; And confirming the information and providing a predetermined loan to the selling company based on the identified information.

According to the present invention, the loan processing method, the predetermined payment processing means for automatically withdrawing the loan repayment of the selling company from the account of the purchasing company on the bond maturity date and payment processing of the purchase price of the purchasing company; And storing the loan processing details and payment processing details in a predetermined information storing means and transmitting the loan processing details and payment processing details to the selling company or purchasing company in a predetermined information transmitting means. It features.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described loan processing method.

On the other hand, the loan processing system according to the present invention, the purchase company information corresponding to a predetermined purchase company, payment account information, contract limit information, payment term information including contract period information and sales corresponding to a predetermined sales company Information registration means for linking and processing loan agreement information including company information, loan account information, agreement limit information, and agreement term information in a predetermined storage medium, and a selling company for automatic recovery of the selling price provided from the selling company. Information receiving means for receiving sales history information including information and transaction history information, a credit check for a purchasing company that has purchased a predetermined product from the selling company, and limit setting means for setting a limit on the loan amount; Transmits the bond transfer information for the loan of the selling company to the purchasing company, and sends it to the purchasing company Information processing means for receiving acceptance information on the bond transfer and the storage medium, the storage information related to the purchasing company and the selling company is confirmed, and a predetermined loan is made to the selling company based on the identified information. It comprises a loan processing means to provide.

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

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

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

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

1 is a diagram illustrating a face-to-face information registration system for a predetermined loan for the sale of goods by a selling company according to an embodiment of the present invention.

In more detail, Figure 1 is based on the product sales history provided by the sales company in the goods transaction between companies, after confirming the purchase history of the goods purchase company, the sales company within the range of the sales details In order to provide a selling price (e.g., a bond loan amount) and to automatically collect the selling price from the purchasing company on the maturity date of the bond, the selling company information, loan account information, and the like through the predetermined information registration interface to the information registration system. And providing loan agreement information including at least one of agreement limit information and agreement period information, the seller information, loan account information, agreement limit information, and agreement period included in the loan agreement information provided by the seller information registration system. As a system configuration for storing information in a predetermined storage medium 130 by linking the information, Those skilled in the art to which the present invention pertains can refer to or modify this drawing 1 to infer various implementation methods for the configuration of a sales company information registration system for collecting payouts for sales goods of a selling company. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one means or function configuration for storing loan commitment information provided from the selling company on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The component is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for lending a sale item of a selling company according to the present invention includes a teller terminal 145 provided at at least one financial institution branch. Characterized in that it comprises an information registration terminal 140, the information registration terminal 140 is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the selling company (including a client authorized to receive, prepare, or transmit an application for a predetermined loan of the selling goods from the selling company) may sell the selling goods according to the present invention. Visit the financial institution branch for automatic payment (e.g., loan), and apply for a loan (for example, sales) for the sale of the merchandise through the window provided at the financial institution branch (or through a teller). A document having a form for filling in at least one item of information for loaning an item) and submitting the completed application to the counter employee, the counter worker can use the application through a predetermined counter terminal 145. Input (or select) the information written in the terminal, and the window terminal 145 transmits the input (or select) the information through the financial network. To transmit to the information registering server 100 provided on the beam registration system is preferred.

Here, the teller terminal 145 preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal 145 is the predetermined financial It may include a ledger server provided on the system, the financial network connecting the window terminal 145 and the information registration server 100 is a communication channel between the window terminal 145 and the information registration server 100 It can be made, including the network to connect the.

In the information registration system as described above, the application form prepared by the sales company, the window terminal 145 used by the teller staff and the financial network connecting the window terminal 145 and the information registration server 100 is The selling company performs a function of an information registration interface for registering loan agreement information for automatic collection of payouts (eg, loans, etc.) for sales goods according to the present invention.

The storage medium 130 provided on the information registration system according to the present invention includes the selling company information, loan account information, agreement limit information, and loan period included in the loan agreement information provided from the information registration terminal 140. Characterized in that the information is stored in a predetermined storage medium 130 by linking, and includes at least one of the selling company information, loan account information, contract limit information, contract term information stored in the storage medium 130. Loan agreement information is used for a predetermined loan for the sale of goods of the selling company according to the present invention.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan applied by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be used to manage loans corresponding to the sale of goods. For non-face-to-face financial transaction authentication information may be included.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be ID / PW information for banking for the loan operation or It may include at least one of the authentication certificate information or security card information or OTP (One Time Password) generator information.

According to one embodiment of the invention, the storage medium 130 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 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 140 through a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the information registration server 100 is the window terminal 145 through a predetermined financial network. Ledger server provided on the financial system connected to), or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, whereby the present invention It is not limited.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 140 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It connects a window terminal 145 and a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 145. It is desirable to.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined information registration terminal 140 accesses the information registration server 100 through the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan agreement information from the information registration terminal 140 to the information registration terminal 140. ), An information receiving unit 115 for receiving predetermined loan agreement information inputted (or selected) and transmitted from the information registration terminal 140 through the user interface in association with the interface unit 105, and the reception. Validation unit 125 for checking the validity of the loan agreement information, and the selling company information, loan account information, agreement limit information, agreement period information included in the loan agreement information confirmed validity In conjunction with a processing information storage unit 120 for storing a predetermined storage medium (130) characterized by comprising.

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 140 when a predetermined information registration terminal 140 is connected to the information registration server 100 through the interface unit 105. Generate (or select) the loan agreement information to generate a predetermined user interface that can be transmitted to the information registration server 100 through the financial network, or extract it from a predetermined database (not shown); It is characterized in that it provides the user interface generated (or extracted) in conjunction with the unit 105 to the information registration terminal 140 through the financial network.

Thereafter, the information registration terminal 140 inputs (or selects) loan agreement information including at least one of the selling company information, the loan account information, the agreement limit information, and the agreement period information based on the user interface. The loan agreement information inputted (or selected) is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the interface providing unit 110 is a financial transaction provided in the window terminal 145. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the created (or extracted) user interface to the window terminal 145 through the interface unit 105.

The information receiving unit 115 inputs (or selects) loan agreement information including at least one of the selling company information, the loan account information, the contract limit information, and the contract term information through the user interface at the information registration terminal 140. When the data is transmitted through the financial network, the loan agreement information is received in connection with the interface unit 105. The received loan agreement information is provided to the validity verification unit 125.

The validity confirming unit 125 checks whether the loan agreement information received from the information registration terminal 140 satisfies the validity of the loan for the goods sold by the selling company.

According to the implementation method of the present invention, the validity of the loan agreement information is to check whether at least one ledger information matching the selling company information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to comprise.

When the validity of the loan agreement information is confirmed, the information storage unit 120 processes the storage medium (Selling Company Information, Loan Account Information, Agreement Limit Information, and Agreement Period Information) in association with the loan agreement information. 130, and when the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit ( 120, the sales company information, loan account information, contract limit information, contract period information included in the received loan commitment information is stored in the storage medium 130, the storage medium 130, Is provided in the DBMS provided on the financial system, the information storage unit 120 stores the sales company information, loan account information, contract limit information, contract term information included in the received loan agreement information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

2 is a diagram showing the arrangement of loan agreement information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan corresponding to the selling goods of the selling company according to an embodiment of the present invention.

In more detail, in FIG. 2, when the storage medium 130 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system, the selling company information and the billing information are included in the ledger information provided in the ledger D / B. An information structure for an implementation method of storing loan agreement information including at least one or more of account information, agreement limit information, and agreement period information is shown. If a person having ordinary knowledge in the art to which the present invention belongs, Although various information configuration methods for storing the loan commitment information in the ledger D / B may be inferred by referring to or modifying FIG. 2, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. At least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 2, the loan agreement information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the loan agreement information is a sales company information and a loan account. And at least one of information, agreement limit information, and agreement period information.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan applied by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

Referring to FIG. 2 according to an embodiment of the present invention, the loan agreement information is stored in the form of information included in the account ledger (not shown), or added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 3 shows the arrangement of loan commitment information stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention Figure is shown.

In more detail, FIG. 3 illustrates an information structure for an exemplary embodiment in which the storage medium shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 300 provided in a DBMS on a financial system. As one having ordinary skill in the art to which the present invention pertains, various information for storing the loan commitment information in association with the ledger D / B 300 in a predetermined database by referring to or modifying the drawing 3. Although the construction method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the loan commitment information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). It is not easy to change the / B (300), or the system is not easy to expand the system due to the nature of the financial system), and store the loan commitment information in a predetermined database instead of the ledger D / B (300), The implementation method of storing a database and the ledger D / B 300 in a coordinated manner is illustrated.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the information registration system or the Internet banking 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 telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the selling company information, loan account information, contract limit information, and contract term information included in the loan contract information, and the loan contract information is stored in the ledger D. The loan agreement information may further include a CIF number corresponding to the ledger information to be processed in conjunction with / B (300).

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the selling company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the selling company information is non-face-to-face banking for the loan operation. Non-face-to-face financial transaction authentication information for the service may be included.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be ID / PW information for banking for the loan operation or It is preferable to include at least one or more authentication certificate information or security card information or OTP (One Time Password) generator information.

4 is a diagram illustrating a loan agreement information structure stored in a DBMS provided in a banking server in a face-to-face manner for a predetermined loan for sale of goods by a selling company according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 shows that the storage medium shown in FIG. 1 is provided in a predetermined banking server provided on an information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. The present invention relates to a method provided in a DBMS, and one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing and store it in a predetermined DBMS provided in at least one or more banking servers. It will be possible to infer the information configuration method for the loan commitment information, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server is configured to store and store sales company information, loan account information, contract limit information, and contract term information included in the loan contract information.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan amount applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face to face financial transaction authentication information for the loan can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include banking for a predetermined loan corresponding to the sale of the goods. It is preferable to include at least one or more ID / PW information or authentication certificate information or security card information or OTP (One Time Password) generator information.

5 is a diagram illustrating a process of registering loan commitment information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows that the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system associated with the counter terminal 145 through a predetermined financial network. In one case, the counter terminal 145 accesses the information registration server 100 and connects a communication channel for registering loan agreement information of a selling company according to the present invention, and then registers the information through the communication channel. When the loan agreement information including at least one of the selling company information, the loan account information, the agreement limit information, and the agreement term information is transmitted to the server 100, the information registration server 100 is included in the received loan agreement information. The present invention relates to an implementation method of linking processed sales company information, loan account information, contract limit information, and contract term information to a predetermined storage medium. If one of ordinary skill in the art, it will be able to infer various implementation methods for registering the loan commitment information from the window terminal 145 to the information registration server 100 by referring to or modifying the figure 5, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal 145 shown in FIG. 1 will be referred to as a " terminal " for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as a " server " Information including at least one of the selling company information, the loan account information, the contract limit information, and the contract term information transmitted from the information registration server 100 to the information registration server 100 is referred to as "loan contract information" for convenience.

Referring to FIG. 5, the counter terminal 145 shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the loan commitment information, and supplies the goods of the selling company. When requesting to register the loan agreement information for a predetermined loan corresponding to the sale (500), the server generates (or extracts) a predetermined information registration interface for registering the loan agreement information (505), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal and output through the channel (510).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) loan agreement information including at least one of the selling company information, loan account information, contract limit information, and contract term information in the terminal. It is preferable to comprise a.

Thereafter, the terminal inputs (or selects) loan agreement information including at least one or more seller information, loan account information, contract limit information, and contract term information through the information registration interface (515).

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan amount applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

In addition, the selling company information preferably comprises the customer ID information and password registered in the financial system in which the loan account is opened.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. It is desirable to include non-face-to-face financial transaction authentication information for the loan.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information for banking for the loan or It is preferable to include at least one or more authentication certificate information or security card information or OTP (One Time Password) generator information.

If the terminal inputs (or selects) loan agreement information including at least one of the selling company information, the loan account information, the contract limit information, and the contract term information through the information registration interface (520), the terminal is the terminal. Through the financial network, loan agreement information including at least one or more of the input (or selected) selling company information, loan account information, contract limit information, and contract term information is transmitted to the server (525).

Thereafter, the server receives and reads the selling company information, the loan account information, the contract limit information, and the contract term information through the financial network to check the validity of the loan contract information (530).

According to the method of the present invention, the validity of the loan commitment information is registered at least one or more ledger information matching the sales company information in the ledger D / B 300 on the financial system associated with the information registration system It is preferable to include checking whether there is.

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

On the other hand, if the validity of the loan agreement information is authenticated (535), the server performs the information registration procedure corresponding to the loan agreement information, thereby providing the sales company information, loan account information, agreement limit information, contract period information In operation 545, the data is stored in a predetermined storage medium by the associated process.

According to one embodiment of the invention, the storage medium is preferably provided in 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 system. Ledger D / B 300 provided in the DBMS on the top, or may be a predetermined database associated with the ledger D / B 300, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium includes at least one non-face-to-face banking system (eg, an internet banking system, a telebanking system, or a wireless banking system) provided on (or associated with) the information registration system. Or a DBMS on a TV banking system, etc.), whereby the present invention is not limited thereto.

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

6 is a diagram illustrating a non-face-to-face information registration system for a predetermined loan corresponding to the sale of goods by a selling company according to another embodiment of the present invention.

In more detail, in Figure 6, in the goods transaction between companies, on the basis of the predetermined product sales history provided by the selling company, after confirming the purchase history of the goods purchasing company, the selling company within the range of the sales details In order to provide a payout (e.g., a bond loan amount) and to automatically collect the payout from a purchaser on the maturity date of the bond, the selling company may use a non-face-to-face manner to provide information on the seller's information to the information registration system. Providing loan agreement information including at least one loan account information, agreement limit information, and agreement term information, the seller information, loan account information, and agreement limit included in the loan agreement information provided by the seller information registration system. System configuration for storing information in a predetermined storage medium 630 by cooperatively processing the information, the contract period information For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the configuration of an information registration system for a predetermined loan corresponding to the sale of goods of a selling company are inferred by referring to or modifying the present invention. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the loan commitment information provided from the selling company in the storage medium 630 via a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a loan agreement information registration system for a predetermined loan corresponding to a selling item of a selling company according to the present invention may include at least a wired terminal or a wireless terminal used by the selling company. And at least one information registration terminal 640 including at least one client terminal and the like, wherein the information registration terminal 640 is provided on the information registration system through a predetermined network means. The communication channel is connected to the information registration server 600.

According to an embodiment of the present invention, the selling company connects to the information registration server 600 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Inputting (or selecting) loan agreement information for a predetermined loan according to the sale of goods according to the present invention through at least one user interface provided by the information registration server 600, the client terminal through a predetermined network means It is preferable to transmit to the information registration server 600 provided on the information registration system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and 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 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 information registration server 600 connected to the client terminal is either one of an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

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

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 600. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 600) is provided.

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the selling company, and at least one wired network or wireless connecting the client terminal and the information registration server 600. The network performs the function of an information registration interface for the seller to register loan agreement information for a given loan corresponding to the sale of goods according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 640 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution Terminal (or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal 640 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the information registration The financial network connecting the server 600 performs a function of an information registration interface for registering the loan commitment information for a predetermined loan corresponding to the sale of goods by the selling company, or the information registration terminal ( When 640 is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600 is viewed by the selling company. Performing a function of an information registration interface for registering loan commitment information for a predetermined loan corresponding to the sale of goods according to the invention, or the information registration terminal 640 In the case of a terminal (or server) (not shown) provided in an institution affiliated with a financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 600 The network for connecting the service provider functions as an information registration interface for registering loan agreement information for a predetermined loan corresponding to the sale of goods according to the present invention.

The storage medium 630 provided on the information registration system according to the present invention includes sales company information, loan account information, agreement limit information, and agreement term information included in the loan agreement information provided from the information registration terminal 640. It characterized in that the cooperative processing to store in a predetermined storage medium 630, the loan containing at least one or more of the selling company information, loan account information, contract limit information, contract period information stored in the storage medium 630 The agreement information is used for a predetermined loan corresponding to the sale of the goods of the selling company.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan amount applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to an internet banking system operated by a financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information or public certificate information or security card information for the internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face to face financial transaction authentication information for the loan can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information or banking information for the loan. It may include at least one of certificate information, security card information or OTP (One Time Password) generator information.

According to one embodiment of the invention, the storage medium 630 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 630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

The information registration server 600 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 640 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 600 is A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system; A program included in the server (or device), 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 the financial system. It may be a program provided in the external system of the above, whereby the present invention is not limited .

According to another embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 600 is the wireless banking. Is a predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is the telebanking. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, a program included in the telebanking server, or accessible to the external system of the financial system through the telebanking system. A server provided in an external system on the financial system that is a predetermined server (or device), a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 640 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 600 is A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; 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 TV banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to the method of the present invention, the information registration server 600 is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 640 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 605 is connected to the wired network or Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network and using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide an interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

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

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a financial automation device connected to a predetermined financial network, the interface unit 605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for 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 640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 605 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

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

According to another embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the information registration server 600 interworks with the interface unit 605 when a predetermined information registration terminal 640 accesses the information registration server 600 through the interface unit 605. Interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan agreement information from the information registration terminal 640 to the information registration terminal 640. ), An information receiving unit 615 for receiving predetermined loan agreement information transmitted from the information registration terminal 640 through the user interface (or selected) in connection with the interface unit 605, and the reception. And an information storage unit 620 for linking and processing the selling company information, loan account information, contract limit information, and contract term information included in the loan agreement information, and storing the information in the predetermined storage medium 630. Characterized in that eojineun.

The interface providing unit 610 corresponds to a functional configuration provided in the information registration terminal 640 when a predetermined information registration terminal 640 is connected to the information registration server 600 through the interface unit 605. Generate (or select) the loan agreement information to generate a predetermined user interface that can be transmitted to the information registration server 600 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 605 to the information registration terminal 640 through the network means.

Thereafter, the information registration terminal 640 inputs (or selects) loan agreement information including at least one of the selling company information, the loan account information, the agreement limit information, and the agreement period information based on the user interface. The loan agreement information input (or selected) is transmitted to the information registration server 600 through the network.

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 610 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the apparatus, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605. .

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 610 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 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 is the call terminal (not shown). Create (or extract) a predetermined user interface that can be provided to the call, and convert the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 605. It is desirable to provide.

According to another embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface study 610 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

The information receiving unit 615 inputs (or selects) loan agreement information including at least one of selling company information, loan account information, contract limit information, and contract term information through the user interface at the information registration terminal 640. When the transmission through the network means, the loan agreement information is received in conjunction with the interface unit 605, and provides the received loan agreement information to the validity confirmation unit 625.

The validity confirming unit 625 is characterized in that whether the loan commitment information received from the information registration terminal 640 satisfies the validity for a predetermined loan corresponding to the sale of goods according to the present invention.

According to the implementation method of the present invention, the validity of the loan agreement information is to check whether at least one ledger information matching the selling company information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to comprise.

When the validity of the loan agreement information is confirmed, the information storage unit 620 processes the sales company information, loan account information, agreement limit information, and agreement period information included in the loan agreement information in association with the storage medium 630. The storage medium 630 is provided in the information registration server 600 or in the network associated with the information registration server 600, the information storage unit 620. ) Is preferably stored in the storage medium 630 by linking the selling company information, the loan account information, the contract limit information, the contract period information included in the received loan commitment information, the storage medium 630, When provided in the DBMS provided on the financial system, the information storage unit 620 is used to store the sales company information, loan account information, contract limit information, contract period information included in the received loan agreement information. Information provided to step through the FEP on the financial system, it is preferable to store in the DBMS provided on the financial system.

FIG. 7 is a diagram illustrating the arrangement of loan agreement information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a predetermined loan for sale of goods of a selling company according to another embodiment of the present invention. .

In more detail, in FIG. 7, when the storage medium 630 illustrated in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the selling company information and loans are included in the ledger information provided in the ledger D / B. An information structure for an implementation method of storing loan agreement information including at least one or more of account information, agreement limit information, and agreement period information is shown. If a person having ordinary knowledge in the art to which the present invention belongs, Although various information construction methods for storing the loan commitment information in the ledger D / B may be inferred by referring to or modifying FIG. 7, the present invention includes all the inferred implementation methods, and is illustrated in FIG. It is not limited only to the implementation method.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 7, the loan agreement information provided through the information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger, and the loan agreement information is a sales company information and a loan account. And at least one of information, agreement limit information, and agreement period information.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan amount applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

Referring to FIG. 7 according to an embodiment of the present invention, the loan agreement information is stored in the form of information included in the account ledger (not shown) or added to another ledger (eg, a customer ledger) other than the account ledger. It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 8 is a loan stored in a database associated with the ledger D / B 800 provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention It is a figure which shows a contract information structure.

In more detail, FIG. 8 shows an information structure of an embodiment in which the storage medium 805 shown in FIG. 16 is stored in a predetermined database linked to the ledger D / B 800 provided in the DBMS on the financial system. As shown in the drawings, those skilled in the art to which the present invention pertains may refer to or modify this drawing 8 to process the loan commitment information in a predetermined database in association with the ledger D / B 800. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the loan commitment information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), instead of the ledger D / B (800) stores the loan commitment information in a predetermined database, The implementation method of storing a database and the ledger D / B 800 in a coordinated manner is illustrated.

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

Referring to FIG. 8, the database stores and stores the selling company information, loan account information, contract limit information, and contract term information included in the loan contract information, and the loan contract information is stored in the ledger. The loan agreement information may further include a CIF number corresponding to the ledger information to be processed in connection with the D / B 800.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan amount applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face-to-face financial transaction authentication information for the loan service can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be used for a predetermined loan service corresponding to the sale of the goods. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information.

9 is a diagram illustrating a loan agreement information structure stored in a DBMS provided in a banking server in a non-face-to-face manner for a predetermined loan corresponding to the sale of goods of a selling company according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 shows a storage medium shown in FIG. 6 provided in a DBMS provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment, a person having ordinary skill in the art to which the present invention pertains refers to loan agreement information stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the present invention. Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, a predetermined DBMS provided in the banking server stores and stores sales company information, loan account information, contract limit information, and contract term information included in the loan agreement information of the selling company. It is done.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face-to-face financial transaction authentication information for the loan service can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be financed for a predetermined loan corresponding to the article sale. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information for the service.

10 is a diagram illustrating a process of registering loan commitment information in a non-face to face manner according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a case in which the information registration server 600 on the information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 600 and connecting the communication channel for registration of the loan commitment information according to the present invention, the sales company information, loan account information, agreement limit to the information registration server 600 through the communication channel When the loan agreement information including at least one information and agreement period information is transmitted, the information on the sale company, loan account information, agreement limit information, and agreement period information included in the received loan agreement information are transmitted from the information registration server 600. The present invention relates to an implementation method of linking and storing a predetermined storage medium in a predetermined storage medium. If you have, it will be able to infer various implementation methods for registering the loan commitment information from the client terminal to the information registration server 600 by referring to or modifying this figure 10, the present invention is all inferred implementation method It includes, and is not limited to the embodiment shown in FIG.

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

Referring to FIG. 10, when the client terminal illustrated in FIG. 6 is a predetermined network means (eg, the client terminal is a wired terminal 650), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 645. Is connected to the server via a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet, etc., to connect a predetermined communication channel for registering the loan agreement information, and to correspond to the sale of goods of the selling company. When requesting the loan agreement information registration for the lending (1000), the server generates (or extracts) a web page corresponding to the predetermined information registration interface for the loan agreement information registration (1005), and the communication channel In operation 1010, the generated (or extracted) web page is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) loan agreement information including at least one of the selling company information, loan account information, contract limit information, and contract term information in the terminal. It is preferable to comprise a.

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

Thereafter, the terminal inputs (or selects) loan agreement information including at least one of selling company information, loan account information, agreement limit information, and agreement period information through the information registration interface (1015).

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan account information, including the account number of the financial account opened in the name of the selling company, characterized in that the loan applied for the goods sold by the selling company is deposited.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

Thereafter, the server receives and reads loan agreement information including at least one of the selling company information, the payment account information, the agreement limit information, and the agreement period information through the communication channel to confirm the validity of the loan agreement information. (1030).

According to the implementation method of the present invention, the validity of the loan commitment information is registered at least one or more ledger information matching the selling company information in the ledger D / B 800 on the financial system associated with the information registration system It is preferable to include checking whether there is.

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

On the other hand, if the validity of the loan agreement information is authenticated (1035), the server performs an information registration procedure corresponding to the loan agreement information, thereby at least the sale company information, loan account information, agreement limit information, contract period information The loan commitment information including one or more is processed in association with a predetermined storage medium and stored in operation 1045.

According to one embodiment of the invention, the storage medium 805 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 805 may be a ledger D / B 800 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium includes at least one non-face-to-face banking system (eg, an internet banking system, a telebanking system, or a wireless banking system) provided on (or associated with) the information registration system. Or a DBMS on a TV banking system, etc.), whereby the present invention is not limited thereto.

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

FIG. 11 is a diagram illustrating a face-to-face information registration system for payment of goods purchased by a purchasing company according to an exemplary embodiment of the present invention.

In more detail, Fig. 11 is based on a predetermined sales history of a product provided by a selling company in the transaction of goods between companies, and after confirming the purchase history of the goods buying company, In order to provide a selling price (e.g., a bond loan amount) and to automatically collect the selling price from the purchasing company on the maturity date of the bond, the purchasing company information, payment account, etc. to the information registration system through a predetermined information registration interface. If payment settlement information including at least one of information, contract limit information, and contract term information is provided, the purchasing company information, payment account information, and contract limit included in the payment contract information provided by the purchasing company information registration system may be provided. A system that stores information in a predetermined storage medium 1130 by cooperatively processing the information and the contract period information. As one of ordinary skill in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to or modifying the drawing of FIG. As will be appreciated, the present invention includes all implementation methods inferred above, and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one means or functional configuration for storing the payment contract information provided from the purchaser in the storage medium 1130 through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 1100" for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, an information registration system for payment for a purchase item of a purchasing company according to the present invention includes a teller terminal 1145 provided at at least one financial institution branch. And an information registration terminal 1140, wherein the information registration terminal 1140 is connected to a communication channel with an information registration server 1100 provided on the information registration system through a predetermined financial network. .

According to an exemplary embodiment of the present invention, the purchasing company (for example, a client entrusted to receive, prepare, or transmit an application for payment for the purchased goods from the purchasing company) includes payment for the purchased goods according to the present invention. Visit the financial institution branch for payment, and at least one predetermined application (e.g., payment for the purchased product) through the counter provided at the financial institution branch (or through a clerk) A document with a form for filling in the above information items) and submitting the completed application to the counter employee, the counter clerk inputs the information written in the application through a predetermined counter terminal 1145 (or The terminal 1145 transmits the input (or selected) information to the information registration system through the financial network. It is preferable to transmit to the information registration server 1100 provided.

Here, the teller terminal 1145 preferably comprises an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 1100 connected to the teller terminal 1145 is the predetermined finance. It may include a ledger server provided on the system, the financial network connecting the teller terminal 1145 and the information registration server 1100 is a communication channel between the teller terminal 1145 and the information registration server 1100 It can be made, including the network to connect the.

In the information registration system as described above, the application network prepared by the purchasing company, the window terminal 1145 used by the teller staff and the financial network connecting the window terminal 1145 and the information registration server 1100 is The purchaser performs a function of an information registration interface for registering payment agreement information for payment for a purchased item according to the present invention.

The storage medium 1130 provided on the information registration system according to the present invention includes the purchase company information, payment account information, agreement limit information, included in the payment agreement information provided from the information registration terminal 1140, Characterizing and storing the loan period information in a predetermined storage medium 1130, and at least one of the purchase company information, payment account information, contract limit information, contract period information stored in the storage medium 1130 Payment agreement information including the above is used for payment of the purchase price of the purchasing company according to the present invention.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information or authorized certificate information or security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information may be used for payment of the purchase price. Including the face-to-face financial transaction authentication information can be made.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include ID / PW for banking for the purchase price. Information or authorized certificate information or security card information or OTP (One Time Password) generator may include at least one or more.

According to one embodiment of the invention, the storage medium 1130 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 1130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1130 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

The information registration server 1100 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 1140 through a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 1140 is a window terminal 1145 connected to a predetermined financial network, the information registration server 1100 is the window terminal 1145 through a predetermined financial network. Ledger server provided on the financial system connected to), or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, whereby the present invention It is not limited.

According to an embodiment of the present invention, the information registration server 1100 is characterized in that it comprises an interface unit 1105 for connecting and managing a predetermined communication channel with the information registration terminal 1140 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1140 is a window terminal 1145 connected to a predetermined financial network, the interface unit 1105 is based on the protocol stack defined in the financial network. Connects the communication terminal 1145 and a predetermined communication channel, and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 1145. It is desirable to.

Referring to FIG. 11, the information registration server 1100 interworks with the interface unit 1105 when a predetermined information registration terminal 1140 connects to the information registration server 1100 through the interface unit 1105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined payment contract information from the information registration terminal 1140 to the information registration terminal 1140. 1110 and an information receiving unit 1115 for receiving predetermined payment agreement information inputted (or selected) and transmitted from the information registration terminal 1140 through the user interface in association with the interface unit 1105; A validity checking unit 1125 for checking the validity of the received payment agreement information, purchasing company information included in the confirmed payment agreement information, payment account information, And an information storage unit 1120 for storing the agreement limit information and the agreement period information in a predetermined storage medium 1130.

The interface providing unit 1110 corresponds to a functional configuration provided in the information registration terminal 1140 when a predetermined information registration terminal 1140 is connected to the information registration server 1100 through the interface unit 1105. Generate (or select) the payment agreement information to generate a predetermined user interface that can be transmitted to the information registration server 1100 through the financial network, or extract from a predetermined database (not shown); The user interface generated (or extracted) in association with the interface unit 1105 may be provided to the information registration terminal 1140 through the financial network.

Thereafter, the information registration terminal 1140 inputs (or selects) payment contract information including at least one of the purchasing company information, payment account information, contract limit information, and contract term information based on the user interface. In addition, the input (or selected) payment settlement information is transmitted to the information registration server 1100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1140 is a window terminal 1145 connected to a predetermined financial network, the interface providing unit 1110 is provided with a financial transaction provided in the window terminal 1145. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the window terminal 1145 through the interface unit 1105.

The information receiving unit 1115 inputs payment contract information including at least one or more purchase company information, payment account information, contract limit information, and contract term information through the user interface at the information registration terminal 1140 ( Or select) and transmit the data through the financial network to receive the payment agreement information in conjunction with the interface unit 1105. The received payment agreement information is sent to the validity confirming unit 1125. to provide.

The validity confirming unit 1125 checks whether the payment agreement information received from the information registration terminal 1140 satisfies the validity for payment of the purchased goods of the purchasing company.

According to the implementation method of the present invention, the validation of the payment agreement information is to check whether at least one ledger information matching the purchase company information is registered in the ledger D / B on the financial system associated with the information registration system It is preferable to include what is included.

When the validity of the payment agreement information is confirmed, the information storage unit 1120 stores and stores the company information, payment account information, agreement limit information, and agreement period information included in the payment agreement information in association. And storing the information when the storage medium 1130 is provided in the information registration server 1100 or on a network associated with the information registration server 1100. The unit 1120 preferably stores the information on the storage medium 1130 by integrating the purchase company information, the payment account information, the payment limit information, and the agreement period information included in the received payment agreement information. When the medium 1130 is provided in a DBMS provided on a financial system, the information storage unit 1120 may include purchasing company information, payment account information, and information included in the received payment agreement information. It is preferable to provide contract limit information and contract term information to an information system through an external system on the financial system and to store the contract limit information and contract period information in a DBMS provided on the financial system.

12 is a diagram showing the configuration of payment commitment information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment for the purchases of the purchasing company according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates that when the storage medium 1130 illustrated in FIG. 11 is a ledger D / B provided in a DBMS on a financial system, the purchase company information and the payment is made in the ledger information provided in the ledger D / B. An information structure for an implementation method of storing payment contract information including at least one or more of account information, contract limit information, and contract term information is shown, and a person having ordinary knowledge in the art to which the present invention belongs, 12 may be inferred from various information construction methods for storing the payment commitment information in the ledger D / B. However, the present invention includes all the implementation methods inferred. It is not limited only to the implementation method shown.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date 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, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number corresponding to the ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 12, the payment agreement information provided through the information registration system shown in FIG. 11 is stored in the form of additional information added to the account ledger. It is characterized in that it comprises at least one or more payment account information, contract limit information, contract period information.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

Referring to FIG. 12 in accordance with an embodiment of the present invention, the payment arrangement information is stored in the form of information included in the account ledger (not shown), or in a ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information to be added, or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

FIG. 13 is a diagram illustrating payment arrangement information structure 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 payment of a purchasing company according to another exemplary embodiment of the present invention.

More specifically, FIG. 13 shows an information structure for an exemplary embodiment in which the storage medium 1305 shown in FIG. 11 is stored in a predetermined database linked to the ledger D / B 1300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 13 to link the payment agreement information to the ledger D / B 300 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 13 illustrates that when it is not easy to store the payment commitment information in the ledger information of the ledger D / B 1300 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B 1300 or the system is not easy to expand due to the characteristics of the financial system), the payment agreement information is stored in a predetermined database instead of the ledger D / B 1300. FIG. 3 illustrates an implementation method of linking and storing the database and the ledger D / B 1300.

In addition, the database shown in FIG. 13 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 13, and the database on the information registration system or the Internet banking 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 telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 13, the database stores and stores the company information, the billing account information, the contract limit information, and the term of contract information included in the payment contract information. The payment settlement information may further include a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 1300.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information may be used for payment of the purchase price. Non-face-to-face financial transaction authentication information for face-to-face banking services can be made.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include ID / PW for banking for the purchase price. It is preferable that the information or at least one certificate information or security card information or OTP (One Time Password) generator information.

14 is a view showing the configuration of the payment agreement information stored in the DBMS provided in the banking server in a face-to-face manner for the payment of the purchase goods of the purchasing company according to another embodiment of the present invention.

More specifically, FIG. 14 illustrates a predetermined banking server in which the storage medium 1305 shown in FIG. 11 is provided on an information registration system, an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the DBMS provided in the present invention, those skilled in the art to which the present invention belongs, a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 14 It will be possible to infer the information configuration method for the payment commitment information stored in 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.

Referring to FIG. 14, a predetermined DBMS provided in the banking server stores and stores the purchase company information, the payment account information, the contract limit information, and the contract period information included in the payment contract information. do.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information corresponds to the purchase price payment. The non-face-to-face financial transaction authentication information for the non-face-to-face banking service can be made.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information is provided for the financial service corresponding to the purchase price payment. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information.

15 is a diagram illustrating a process of registering payment settlement information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 15, the information registration server 1100 on the information registration system shown in FIG. 11 has a ledger server (not shown) function on the financial system linked to the counter terminal 1145 through a predetermined financial network. In one case, the teller terminal 1145 accesses the information registration server 1100 and connects a communication channel for registering payment contract information of a purchasing company according to the present invention, and then the information through the communication channel. When the payment settlement information including at least one or more of the purchasing company information, the payment account information, the contract limit information, and the contract term information is transmitted to the registration server 1100, the received payment is received by the information registration server 1100. It relates to an implementation method of linking the purchaser information, payment account information, contract limit information, and contract term information included in the contract information to a predetermined storage medium 1305. As those skilled in the art to which the present invention pertains, various embodiments of the present invention may be referred to or modified with reference to FIG. 15 to register the payment agreement information with the information registration server 1100 at the window terminal 1145. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the following figure 15, the window terminal 1145 shown in FIG. 11 is referred to as "terminal" for convenience, and the information registration server 1100 shown in FIG. 14 is referred to as "server" for convenience, and the window terminal ( Information including at least one of the purchasing company information, payment account information, contract limit information, and contract term information transmitted from the information registration server 1100 to the information registration server 1100 is referred to as "payment contract information" for convenience.

Referring to FIG. 15, a window terminal 1145 shown in FIG. 14 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the payment contract information, and connects the purchase company. When requesting the payment agreement information registration for payment (1500), the server generates (or extracts) a predetermined information registration interface for registering the payment agreement information (1505) and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1510).

According to an embodiment of the present invention, the information registration interface inputs (or selects) payment agreement information including at least one of the purchasing company information, payment account information, contract limit information, and contract term information in the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) payment contract information including at least one or more purchase company information, payment account information, contract limit information, and contract term information through the information registration interface (1515).

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

In addition, the purchasing company information preferably comprises the customer ID information and password registered in the financial system in which the payment account is opened.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information corresponds to the purchase price payment. It is desirable to include non-face-to-face financial transaction authentication information for a non-face-to-face banking service.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include ID / PW for banking for the payment. It is preferable that the information or at least one certificate information or security card information or OTP (One Time Password) generator information.

If the terminal inputs (or selects) payment contract information including at least one of the purchasing company information, payment account information, contract limit information, and contract term information through the information registration interface (1520), the terminal In operation 1525, the payment agreement information including the purchase company information, the payment account information, the agreement limit information, and the agreement period information, which are input (or selected) through the financial network, is transmitted to the server.

Thereafter, the server receives and reads the purchase company information, the payment account information, the agreement limit information, and the agreement period information through the financial network to confirm the validity of the payment agreement information (1530).

According to an embodiment of the present invention, the validation of the payment agreement information is registered at least one or more ledger information matching the purchase company information in the ledger D / B (1300) on the financial system associated with the information registration system It is preferable to include checking whether it is done.

If the validity of the payment agreement information is not authenticated (1535), the server generates predetermined information registration error information and transmits it to the terminal (1540), and performs an information registration procedure corresponding to the payment agreement information. Do not perform.

On the other hand, if the validity of the payment agreement information is authenticated (1535), the server performs the information registration procedure corresponding to the payment agreement information, the purchase company information, payment account information, contract limit information, contract period The information is linked and stored in a predetermined storage medium 1305 (1545).

According to one embodiment of the invention, the storage medium 1305 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 1305 may be a ledger D / B 1300 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 1300, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1305 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1550), thereby completing the procedure of registering the payment contract information transmitted from the terminal.

FIG. 16 is a diagram illustrating a non-face-to-face information registration system for payment for a purchased item of a purchasing company according to another embodiment of the present invention.

In more detail, Figure 16 is based on the product sales history provided by the selling company in the goods transaction between the companies, after confirming the purchase history of the goods purchasing company, the sales company within the range of the sales details In order to provide a payout (e.g., a bond loan amount) and to automatically collect the payout from the purchaser on the maturity date of the bond, the purchaser's information is transferred to the information registration system through a predetermined information registration interface in a non-face-to-face manner. If the payment agreement information including at least one or more payment account information, contract limit information, contract period information is provided, the purchasing company information included in the payment agreement information provided in the purchase company information registration system, payment account Information, contract limit information, and contract term information in association with each other and stored in a predetermined storage medium 1630. As a system configuration, the person skilled in the art to which the present invention pertains, various embodiments of the information registration system configuration for payment of the purchase goods of the purchaser by referring to or modifying the present Figure 16 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, on the information registration system shown in FIG. 16, at least one means or function configuration for storing the payment agreement information provided from the purchasing company through the information registration interface on the storage medium 1630 is provided. The component is referred to as "information registration server 1600" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, a payment agreement information registration system for payment of a purchasing company according to the present invention includes a client including at least one wired terminal or a wireless terminal used by the purchasing company. And an information registration terminal 1640 including at least one terminal or the like, wherein the information registration terminal 1640 is provided on the information registration system 1600 through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the purchasing company connects to the information registration server 1600 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) payment agreement information for payment according to the present invention through at least one user interface provided by the information registration server 1600, the client terminal registers the information through a predetermined network means It is preferable to transmit to the information registration server 1600 provided on the system.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a 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.

The information registration server 1600 connected to the client terminal may be one of an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

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

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1600, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 1600. 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 1600) is provided.

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the purchaser, and at least one wired network or wireless connecting the client terminal and the information registration server 1600. The network performs the function of an information registration interface for the purchaser to register the payment agreement information for payment according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 1640 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution Terminal (or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 1640 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 1600 performs a function of an information registration interface for the purchaser to register payment agreement information for purchase price payment according to the present invention, or the information registration terminal 1640 calls 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 1600 is purchased by the purchaser according to the present invention. Performs a function of an information registration interface for registering payment agreement information for payment, or to an institution affiliated with the financial institution that is the information registration terminal 1640. In the case of a non-provided terminal (or server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 1600 is the purchasing company. This function performs the function of the information registration interface for registering the payment agreement information for payment of the purchase price according to the present invention.

The storage medium 1630 provided on the information registration system according to the present invention includes purchase company information, payment account information, agreement limit information, agreement included in the payment agreement information provided from the information registration terminal 1640. And storing the information on the purchaser company, payment account information, contract limit information, and contract period information stored in the storage medium 1630 by linking the period information. Payment agreement information that is included is used for payment of the purchase price of the purchasing company.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information may be used for payment of the purchase price. Including the face-to-face financial transaction authentication information can be made.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include ID / PW for banking for the purchase price. Information or authorized certificate information or security card information or OTP (One Time Password) generator may include at least one or more.

According to one embodiment of the invention, the storage medium 1630 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 1630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1630 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

The information registration server 1600 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 1640 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 1640 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 1600 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system; A program included in the server (or device), 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 the financial system. It may be a program provided in the external world of the above, whereby the present invention is not limited .

According to another embodiment of the present invention, when the information registration terminal 1640 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1600 is the wireless banking. Is a predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1640 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1600 is configured for the telebanking. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided on the system, a program included in the telebanking server, or accessible to the external system of the financial system through the telebanking system. A server provided in an external system on the financial system that is a predetermined server (or device), a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 1640 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 1600 is A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; 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 TV banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1600 is provided with an interface unit 1605 for connecting and managing a predetermined communication channel with the information registration terminal 1640 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1640 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 1605 may be connected to the wired network or the like. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network and using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide an interface.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 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 1600, the interface unit 1605 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 1640 is a financial automation device connected to a predetermined financial network, the interface unit 1605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for 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 embodiment of the present invention, when the information registration terminal 1640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1605 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1600, the interface unit 1605 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 exemplary embodiment of the present invention, when the information registration terminal 1640 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1605 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1605 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information 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 1640 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1605 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the information registration server 1600 interworks with the interface unit 1605 when a predetermined information registration terminal 1640 accesses the information registration server 1600 through the interface unit 1605. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined payment contract information from the information registration terminal 1640 to the information registration terminal 1640. 1610, an information receiving unit 1615 that receives predetermined payment settlement information input (or selected) and transmitted from the information registration terminal 1640 through the user interface in cooperation with the interface unit 1605, Information for storing the purchased company information, payment account information, contract limit information, and contract term information included in the received payment contract information in a predetermined storage medium 1630. It is characterized by comprising a storage unit 1620.

The interface providing unit 1610 corresponds to a functional configuration provided in the information registration terminal 1640 when a predetermined information registration terminal 1640 is connected to the information registration server 1600 through the interface unit 1605. Generate (or select) the payment agreement information to generate a predetermined user interface that can be transmitted to the information registration server 1600 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 1605 to the information registration terminal 1640 through the network means.

Thereafter, the information registration terminal 1640 inputs (or selects) payment contract information including at least one of the purchasing company information, payment account information, contract limit information, and contract term information based on the user interface. In addition, the input (or selected) payment settlement information is transmitted to the information registration server 1600 via the network.

According to an embodiment of the present invention, when the information registration terminal 1640 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 1610 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the apparatus, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1605. Do.

According to another embodiment of the present invention, when the information registration terminal 1640 is a financial automation device connected to a predetermined financial network, the interface providing unit 1610 may be a financial transaction related program provided in the financial automation device. 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 automated teller machine through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the information registration terminal 1640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1610 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 1605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1610 includes the call terminal (not shown). The user terminal (eg, ARS-based user interface) generated (or extracted) through the interface unit 1605 is generated (or extracted) through the interface unit 1605. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1640 is a wired terminal (or bidirectional digital TV) connected to a TV banking system, the interface providing unit 1610 may provide the wired terminal (or bidirectional digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to the TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1605. .

The information receiving unit 1615 inputs payment contract information including at least one or more purchase company information, payment account information, contract limit information, and contract term information through the user interface at the information registration terminal 1640. Select) and transmit the information through the network means to receive the payment information in association with the interface unit 1605, and provide the received payment information to the validity verification unit 1625.

The validity confirming unit 1625 is characterized in that the payment commitment information received from the information registration terminal 1640 confirms the validity for the purchase price payment according to the present invention.

According to the implementation method of the present invention, the validation of the payment agreement information is to check whether at least one ledger information matching the purchase company information is registered in the ledger D / B on the financial system associated with the information registration system It is preferable to include what is included.

When the validity of the payment agreement information is confirmed, the information storage unit 1620 is connected to the purchase company information, payment account information, contract limit information, contract period information included in the payment agreement information, the storage period is linked to the storage And storing the information when the storage medium 1630 is provided in the information registration server 1600 or on the network associated with the information registration server 1600. The unit 1620 preferably processes the purchase company information, the payment account information, the contract limit information, and the contract period information included in the received payment contract information and stores the information in the storage medium 1630. When the medium 1630 is provided in a DBMS provided on a financial system, the information storage unit 1620 may include purchasing company information, payment account information, and information included in the received payment agreement information. It is preferable to provide contract limit information and contract term information to an information system through an external system on the financial system and to store the contract limit information and contract period information in a DBMS provided on the financial system.

FIG. 17 is a diagram illustrating a payment arrangement information structure stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner in order to pay for goods purchased by a purchasing company according to another embodiment of the present invention. .

In more detail, in FIG. 17, when the storage medium 1630 shown in FIG. 16 is a ledger D / B provided in a DBMS on a financial system, the purchase company information and the price are included in the ledger information provided in the ledger D / B. An information structure for an implementation method of storing payment accounting information including at least one of payment account information, contract limit information, and term of contract information is shown, and a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to or modifying this drawing 17, various information construction methods for storing the payment commitment information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 17 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is, and because you will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 17, the payment agreement information provided through the information registration system shown in FIG. 16 may be stored in the form of additional information added to the account ledger. The payment agreement information may include purchase company information, It is characterized in that it comprises at least one or more payment account information, contract limit information, contract period information.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

Referring to FIG. 17 according to an embodiment of the present invention, the payment agreement information is stored in the form of information included in the account ledger (not shown), or in a ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information to be added, or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

18 is a diagram showing the structure of payment arrangement information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment of the purchasing company according to another embodiment of the present invention .

More specifically, FIG. 18 shows an information structure for an embodiment in which the storage medium 1805 shown in FIG. 16 is stored in a predetermined database linked to the ledger D / B 1800 included in a DBMS on a financial system. As shown in the drawings, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 18 to process the payment agreement information in a predetermined database in association with the ledger D / B 1800. Although various methods of constructing information may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 18, when it is not easy to store the payment commitment information in the ledger information of the ledger D / B 1800 on the DBMS provided on the financial system (for example, the ledger of the DBMS in accordance with the policy of the financial institution). If the D / B 1800 is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the payment agreement information is stored in a predetermined database instead of the ledger D / B 1800. FIG. 1 illustrates an implementation method of linking and storing the database and the ledger D / B 1800.

In addition, the database shown in FIG. 18 does not need to be provided on a DBMS provided on the financial system as in the embodiment shown in FIG. 18, and the database on the information registration system or the Internet banking according to the intention of the person skilled in the art. It may be configured in the form of a database on a system, a database on a telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 18, the database is characterized in that by storing the processing information associated with the purchase company information, payment account information, payment limit information, contract period information included in the payment agreement information, the payment agreement information The payment agreement information may further include a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 1800.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information corresponds to the purchase price payment. The non-face-to-face financial transaction authentication information for the non-face-to-face banking service can be made.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information is provided for the financial service corresponding to the purchase price payment. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information.

19 is a view showing the configuration of the payment agreement information stored in the DBMS provided in the banking server in a non-face-to-face manner for the payment of the purchase goods of the purchasing company according to another embodiment of the present invention.

More specifically, in FIG. 19, the storage medium shown in FIG. 16 is provided in a DBMS provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment, a person having ordinary skill in the art to which the present invention pertains refers to the payment agreement information stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the drawing 19. It is possible to infer a method for organizing information about the present invention, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 19, a predetermined DBMS provided in the banking server stores and stores the company information, payment account information, contract limit information, and contract term information included in the payment contract information of the purchasing company. It is characterized by.

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

According to an embodiment of the present invention, when the purchasing company subscribes to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the purchasing company information is the non-face-to-face banking to which the purchasing company subscribes. It is preferable to include non-face-to-face financial transaction authentication information corresponding to the system.

For example, when the purchasing company subscribes to the Internet banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking. Or at least one OTP (One Time Password) generator information.

According to another exemplary embodiment of the present invention, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the payment account is opened, the purchasing company information corresponds to the purchase price payment. The non-face-to-face financial transaction authentication information for the non-face-to-face banking service can be made.

For example, when the purchasing company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the payment account is opened, the non-face-to-face financial transaction authentication information is provided for the financial service corresponding to the purchase price payment. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information.

20 is a diagram illustrating a process of registering payment agreement information in a non-face to face manner according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates a case where the information registration server 1600 on the information registration system shown in FIG. 16 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 1600 to connect the communication channel for registration of payment agreement information according to the present invention, the purchase company information, payment account information to the information registration server 1600 through the communication channel When the payment agreement information including at least one or more of the agreement limit information and the agreement period information is transmitted, the information on the purchasing company, the payment account information, and the agreement included in the payment agreement information received from the information registration server 1600 The present invention relates to an implementation method of linking limit information and contract term information in a predetermined storage medium. Those skilled in the art will be able to infer various implementation methods for registering the payment agreement information from the client terminal to the information registration server 1600 by referring to or modifying the present invention 20, but the present invention. Includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the client terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the information registration server 1600 shown in FIG. 16 is called "server" for convenience, and the information registration is performed in the client terminal. The purchasing company information, payment account information, contract limit information, and contract term information transmitted to the server 1600 are referred to as "payment contract information" for convenience.

Referring to FIG. 20, when the client terminal illustrated in FIG. 16 is a predetermined network means (eg, the client terminal is a wired terminal 1650), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1645. Is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet, etc., and connects a predetermined communication channel for registering the payment agreement information, and the payment for payment of the purchasing company. When requesting payment agreement information registration (2000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering payment agreement information (2005), and through the communication channel. The generated (or extracted) web page is transmitted to the terminal for output (2010).

According to an embodiment of the present invention, the information registration interface inputs (or selects) payment agreement information including at least one of the purchaser company information, payment account information, contract limit information, and contract term information in the terminal. It is preferred to include a user interface.

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

Thereafter, the terminal inputs (or selects) payment contract information including at least one of purchase company information, payment account information, contract limit information, and contract term information through the information registration interface (2015).

The purchasing company information may include at least one or more of a purchasing company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The payment account information is characterized by including the account number of the financial account opened in the name of the purchasing company.

The agreement limit information may include at least one loan limit information (eg, loan limit information using the electronic credit guarantee limit standard), and issue limit information (eg, within three times the loan limit). It is characterized by.

Thereafter, the server receives and reads payment agreement information including at least one of the purchaser company information, payment account information, contract limit information, and contract term information through the communication channel, thereby validating the payment contract information. Check (2030).

According to an embodiment of the present invention, the validity of the payment agreement information is registered at least one or more ledger information matching the purchase company information in the ledger D / B (1800) on the financial system associated with the information registration system It is preferable to include checking whether it is done.

If the validity of the payment agreement information is not authenticated (2035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2040), corresponding to the payment agreement information. Do not perform the information registration procedure.

On the other hand, if the validity of the payment agreement information is authenticated (2035), the server performs an information registration procedure corresponding to the payment agreement information, so that the purchasing company information, payment account information, contract limit information, contract period The payment agreement information including at least one information is linked and stored in a predetermined storage medium (2045).

According to one embodiment of the invention, the storage medium 1805 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 1805 may be a ledger D / B 1800 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 1800, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium includes at least one non-face-to-face banking system (eg, an internet banking system, a telebanking system, or a wireless banking system) provided on (or associated with) the information registration system. Or a DBMS on a TV banking system, etc.), whereby the present invention is not limited thereto.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2050), thereby completing the procedure of registering the payment contract information transmitted from the terminal.

21 is a diagram illustrating a non-face-to-face sales history information registration system for automatic collection of sales payouts of a selling company according to one embodiment of the present invention.

More specifically, FIG. 21 provides sales history information including at least one sales company information and transaction history information for a sales company automatic recovery of sales payout information through a predetermined information registration interface. When the sales history information registration system generates a predetermined sales history electronic document including the provided sales history information and stores it in a predetermined electronic document storage, the sales company information and transaction history information included in the sales history information. A system configuration for cooperatively processing sales history information including at least one of the information stored in a predetermined storage medium 2140. Specifically, the electronic document repository is linked with the sales history information registration system through a predetermined communication means. To an implementation method provided on an external system.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 21 to infer various implementation methods for the construction of a sales history information registration system for automatic recovery of the selling price of a selling company. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 21 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the sales history information registration system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 21, the sales details electronic document is illustrated as being generated on the server side on the sales history information registration system, but the present invention is not limited thereto. The history electronic document may be generated on the terminal side which inputs (or selects) the sales history information (eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the sales history electronic document). The present invention is not limited thereto.

Hereinafter, the sales history information is received from the sales company through a predetermined information registration interface on the sales history information registration system shown in FIG. 21 to generate a predetermined sales history electronic document, and store it in a predetermined electronic document repository. Components corresponding to at least one or more means or functional configurations for storing the sales history information in a predetermined storage medium 2140 are referred to as "information registration server 2100" for convenience.

Referring to this figure 21 according to the embodiment of the present invention, the sales history information registration system for automatic payout of the selling company, client terminal, including at least one or more wired terminal or wireless terminal used by the selling company And an information registration terminal 2170 including at least one, wherein the information registration terminal 2170 is an information registration server 2100 provided on the sales history information registration system through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the selling company connects to the information registration server 2100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the sales history information for the automatic payout is input (or selected) through at least one user interface provided by the information registration server 2100, the sales information registration system through the predetermined network means at the client terminal It is preferable to transmit to the information registration server 2100 provided on the.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the information registration server 2100 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 the network means, or the information registration. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 2100 may be a CDMA based (or HSDPA based) mobile communication network or an IEEE 802.16x based mobile Internet or IEEE according to a wireless communication network type to which the client terminal is connected. It is preferable that any one of 802.11x based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the information registration server 2100, input or select at least one information through the user interface, and transmit the same to the information registration server 2100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2100, etc.) is provided.

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

In the sales history information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the selling company, and at least one wired communication network connecting the client terminal and the information registration server 2100. Alternatively, the wireless communication network performs a function of an information registration interface for registering the sales history information for the sales company automatically recovering the payout.

According to another exemplary embodiment of the present invention, the information registration terminal 2170 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution Terminal (or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the sales history information registration system as described above, when the information registration terminal 2170 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information are provided. The financial network connecting the registration server 2100 performs a function of an information registration interface for the sales company to register sales history information for the automatic repayment of the payout, or the information registration terminal 2170 is connected to the call terminal. (Not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2100 may be used by the selling company for automatic recovery of the selling price. A terminal provided in an institution affiliated with the financial institution that performs the function of an information registration interface for registering sales history information or the information registration terminal 2170 ( Or a server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 2100 is sold by the selling company. It performs the function of the information registration interface for registering the sales history information for automatic collection of money.

The storage medium 2140 provided on the sales history information registration system according to the present invention includes at least one sales company information and transaction history information included in the sales history information provided from the information registration terminal 2170. Characterized in that the sales history information to be stored in a predetermined storage medium 2140.

The selling company information may include a selling company name, a business registration number, a representative, a business status, a business type, a business classification (eg, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (eg, Member ID information, or CIF (Customer) provided in the customer ledger provided on the financial system linked to the sales history information registration system in response to the selling company by joining the selling company as a financial transaction customer of the financial institution. Information file) or the like).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined sales company, purchase company information (for example, purchase company name, business registration number, representative, type of business, type of business, company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

According to an embodiment of the present invention, the storage medium 2140 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system). At this time, the storage medium 2140 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, thereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2140 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the sales history information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The information registration server 2100 provided on the sales history information registration system according to the present invention is a general term for the sales history information registration system side component connected to the information registration terminal 2170 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 2170 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 2100 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system; A program included in the server (or device), 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 the financial system. It may be a program provided in the external world of the above, whereby the present invention is not limited .

According to another embodiment of the present invention, when the information registration terminal 2170 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2100 is the wireless banking. Is a predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2100 is the telebanking. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided on the system, a program included in the telebanking server, or accessible to the external system of the financial system through the telebanking system. A server provided in an external system on the financial system that is a predetermined server (or device), a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 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 2100 A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; 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 TV banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 2100 is characterized in that it comprises an interface unit 2105 for connecting and managing a predetermined communication channel with the information registration terminal 2170 via the network means. do.

According to an embodiment of the present invention, when the information registration terminal 2170 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 2105 is the wired communication network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless communication network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2105 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 provided by the information registration server 2100 (eg, an internet banking program), the interface unit 2105 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 2170 is a financial automatic device connected to a predetermined financial network, the interface unit 2105 uses the financial stack 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 with an automation device and for 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 embodiment of the present invention, when the information registration terminal 2170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2105 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 2100, the interface unit 2105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2105 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2105 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 2170 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2105 is a protocol defined in the TV banking system. Based on a stack, at least one or more pieces of information are connected using a communication protocol defined in a communication program provided in the wired terminal (or interactive digital TV) and a predetermined communication channel. Or data) communication interface for transmitting and receiving.

Referring to FIG. 21, when the information registration terminal 2170 connects a predetermined communication channel with the information registration server 2100 through the interface unit 2105, the information registration server 2100 sells the sales. Generate (or extract) at least one user interface that allows the information registration terminal 2170 to input (or select) predetermined sales history information to the information registration server 2100 to automatically recover the payout of the company. And an interface provider 2110 for providing the generated (or extracted) user interface to the information registration terminal 2170 in association with the interface unit 2105, and the user interface in the information registration terminal 2170. When the sales history information is input (or selected) through the transmission, the sales history information transmitted from the information registration terminal 2170 in association with the interface unit 2105. Characterized in that it comprises an information receiving unit 2115 for receiving.

The interface providing unit 2110 connects a predetermined communication channel with the information registration server 2100 through the interface unit 2105 and then the information registration server 2100. At least one requesting a user interface for automatic payout, the information registration terminal (2170) inputs (or selects) predetermined sales history information to the information registration server (2100) via the network means. The above user interface is generated or extracted from a predetermined database (not shown), and the generated (or extracted) user interface is linked to the information registration terminal 2170 via the network means in association with the interface unit 2105. It is characterized by providing.

According to an exemplary embodiment of the present invention, when the information registration terminal 2170 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2110 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 is a financial automation device connected to a predetermined financial network, the interface providing unit 2110 may be a financial transaction related program provided in the financial automation device. 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 automated teller machine through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2110 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 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 2110 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided to the call, and convert the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 2105. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 2170 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV), and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2105. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined sales history information to the information registration terminal 2170 and transmitting the information to the information registration server 2100 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined sales history information and transmitting the information to the information registration server 2100 is generated (or extracted) to register the information. The interface providing unit 2110 provided to the terminal 2170 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2170 inputs (or selects) sales history information including at least one of the sales company information and transaction details information through the user interface, and the input (or selected) sales history information. Is transmitted to the information registration server 2100 through the network means, and correspondingly, the information receiving unit 2115 is connected to the interface unit 2105 and the sales history information transmitted from the information registration terminal 2170. Characterized in that it receives.

According to an exemplary embodiment of the present invention, the information registration terminal 2170 may determine the validity of the sales history information in the information registration server 2100 in sales history information including at least one of the sales company information and the transaction history information. At least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator for confirmation to transmit to the information registration server 2100 through the network means desirable.

According to an exemplary embodiment of the present invention, the information registration terminal 2170 may include at least one encryption method (eg, a symmetric key based encryption method or public information) including at least one item of sales information including at least one of the selling company information and transaction details information. A key-based encryption method, an electronic envelope-based encryption method, a key exchange-based encryption method, or the like) or attach a predetermined electronic signature to the sales information to the information registration server 2100 through the network means. Preferably, the information registration terminal 2170 has at least one or more encryption keys corresponding to the encryption scheme, or has a predetermined public certificate including at least one or more encryption keys. When an authorized certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC car) ) To be provided with a card reader for identifying the certificate provided in the preferred.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the sales information and the technical characteristics of attaching a predetermined electronic signature to the sales information. Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 21, when the sales history information transmitted from the information registration terminal 2170 is received through the information receiving unit 2115, the information registration server 2100 receives the sales history information. Characterized in that it comprises a validity check unit 2120 to determine whether the validity for the automatic recovery.

According to an embodiment of the present invention, the sales information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). When encrypted, the validity confirming unit 2120 is configured to at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based on the encrypted sales details information corresponding to the encryption method). Decryption method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received sales information.

Alternatively, when a predetermined electronic signature is attached to the sales history information, the validity confirming unit 2120 verifies the validity of the received sales history information by checking the electronic signature attached to the sales history information. desirable.

Those skilled in the art to which the present invention pertains may include technical features for various decryption methods for decrypting the encrypted sales information information, and technical features for confirming an electronic signature attached to the sales information. Since it will be understood, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the sales history information received through the information receiving unit 2115 further includes a predetermined password for confirming the validity of the sales history information, the validity confirming unit 2120 It is preferable to authenticate the validity of the received sales history information by comparing and authenticating the password included in the sales history information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the sales history information received through the information receiving unit 2115 further includes predetermined security card information for confirming the validity of the sales history information, the validity confirming unit 2120 may include the sales history. By comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the selling company on the DBMS, it is preferable to authenticate the validity of the received sales details information.

Alternatively, when the sales history information received through the information receiver 2115 further includes a predetermined OTP code for confirming the validity of the sales history information, the validity confirming unit 2120 may include the sales history information. By comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the selling company on the DBMS, it is possible to authenticate the validity of the received sales information. desirable.

According to the method of the present invention, the validity check of the sales history information is whether at least one or more ledger information matching the sales history information is registered in the ledger D / B on the financial system associated with the sales history information registration system It is preferable to include checking.

For example, the validity confirming unit 2120 may include a ledger D on a financial system in which the selling company information (purchasing company-specific information, member information, etc.) of the information included in the selling history information is linked to the selling history information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

At this time, the validity confirmation unit 2120 checks whether the selling company that transmits the sales history information is a purchasing company that has registered loan agreement information for a predetermined loan through the information registration system shown in FIG. 1 or 6. It is characterized by.

In addition, the validity confirmation of the sales history information is that the sales company information (sales company specific information, member information, etc.) in the transaction history information included in the sales history information on the financial system associated with the sales history information registration system. It is preferably made to include matching with the customer ledger stored in the ledger D / B.

At this time, the validity confirming unit 2120 confirms whether the purchasing company is a purchasing company that has registered payment agreement information for payment corresponding to the sale of goods through the information registration system shown in FIG. 11 or FIG. 16. It features.

Referring to FIG. 21, if the validity of the sales information is authenticated through the validity checker 2120, the information registration server 2100 may generate a predetermined sales history electronic document including the received sales information. And an electronic document transmission unit 2130 for transmitting the generated sales history electronic document to an electronic document repository associated with the sales history information registration system.

The electronic document generation unit 2125 generates a sales history electronic document including the sales history information received from the information registration terminal 2170 through the information receiving unit 2115.

According to an exemplary embodiment of the present invention, the electronic document generation unit 2125 may include document content including at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the document content, and an MHT. Web document file, etc.) is preferably processed as the sales history electronic document for automatic payout of the payout.

Alternatively, the electronic document generation unit 2125 generates document content including at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115, and generates the document content. After including at least one or more information of the purchase company information and transaction history information included in the sales history information in a watermarking (Watermarking) method, a document file containing document content including the watermarking (for example, PDF (Portable Document) Format file, electronic data interchange (EDI) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to treat with.

Alternatively, the electronic document generator 2125 generates document content including at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115, and generates the document content. It is preferable to process an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into a sales history electronic document for automatic payout.

Alternatively, the electronic document generator 2125 generates document content including at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of sales company information and transaction history information included in the sales history information After including, it is preferable to process the image file including the image content including the watermarking as the sales history electronic document for automatic payout.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2125 may include at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content. By generating an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), the sales history electronic documents for the automatic payout processing are processed. It is desirable to.

Alternatively, the electronic document generator 2125 generates document content including at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of sales company information and transaction history information included in the sales history information At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; Automatic generation of the payout by generating a word processor file including the above, or a web document file including the MHT; Sales history for it is desirable to process an electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2125 may include at least one document including sales company information and transaction history information included in the sales history information received through the information receiver 2115. A predetermined document file (eg, PDF (Portable) which includes content generated, content image captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the sales information. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the sales history electronic document.

Alternatively, the electronic document generator 2125 generates document content including at least one selling company information and transaction history information included in the sales history information received through the information receiving unit 2115, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of sales company information and transaction history information included in the sales history information Generating an image content including an image, and including a watermarking image content and the sales information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /). Generating a word processor file including at least one DOC, or a web document file including an MHT, It is preferable to process a sales history for a group electronic documents payouts automatically recovered.

Those skilled in the art to which the present invention pertains include technical features that the electronic document generation unit 2125 generates a sales history electronic document in an image file format or a predetermined document file format, and the sales history electronic document. Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 2130 transmits and stores the sales history electronic document generated by the electronic document generation unit 2125 to a predetermined electronic document repository associated with the sales history information registration system. .

As shown in FIG. 21, the electronic document repository is connected with an information registration server 2100 on the sales history information registration system through a predetermined communication means and an electronic document D / B ( 2165), the electronic document transmission unit 2130, the electronic document server 2145 through the communication means for the sales history electronic document generated by the electronic document generation unit 2125 It characterized in that the transmission to.

Here, when the electronic document server 2145 and the electronic document D / B 2165 are provided outside the sales history information registration system, the electronic document server 2145 and the electronic document D / B 2165 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document repository is provided on a DBMS provided in the sales history information registration system, the electronic document transmission unit 2130 is generated by the electronic document generation unit 2125. The sales history electronic document may be stored in the electronic document D / B 2165 corresponding to the electronic document storage on the DBMS provided in the sales history information registration system, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the electronic document transmission unit 2130 inputs (selects) the sales information related to the electronic document (eg, the sales history information for generating predetermined electronic document management information in the electronic document server 2145). Information on the selling company, the financial institution that transmits the sales history electronic document, or the electronic document file format information, or the sales history information). Thereby, this invention is not limited.

Referring to FIG. 21, when the sales history information received through the information receiving unit 2115 is validated for the automatic payout of the sales price through the validity checking unit 2120, the information registration server 2100 receives the information. And an information storage unit 2135 for linking and processing the selling company information and the transaction history information included in the sales history information whose validity is verified, in a predetermined storage medium 2140.

When the validity of the sales information is confirmed by the validity confirming unit 2120, the information storage unit 2135 associates the sales company information and the transaction information included in the sales history information with the storage medium ( 2140, and when the storage medium 2140 is provided in the information registration server 2100 or on a network associated with the information registration server 2100, the information storage unit 2135 is preferably stored in the storage medium 2140 by linking and processing the sales company information and transaction history information included in the received sales history information, the storage medium 2140 is provided on the financial system When provided in the DBMS, the information storage unit 2135 provides the sales company information and transaction history information included in the received sales history information to the information system through an external system on the financial system. Be stored in the DBMS provided on the system is preferred.

Referring to FIG. 21, an electronic document which receives a predetermined sales history electronic document from the information registration server 2100 provided on the sales history information registration system and stores and manages the same in a predetermined electronic document D / B 2165. The server 2145 may include an electronic document receiver 2150 for receiving a predetermined sales history electronic document from the information registration server 2100 through a predetermined communication means, and the received sales history electronic document in the electronic document D / An information generation unit 2155 for generating predetermined electronic document management information for storage and management in the B 2165, and the electronic document management information and the sales history electronic document in association with each other for a predetermined electronic document D / B ( And an electronic document storage unit 2160 stored in 2165.

The electronic document receiving unit 2150 is characterized in that for receiving the sales history electronic document in the form of an image file or a document file from the information registration server 2100 through the communication means.

According to an embodiment of the present invention, the sales history electronic document received by the electronic document receiving unit 2150 through the communication means is the sales history information received by the information registration server 2100 from the information registration terminal 2170. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including at least one or more purchasing company information and transaction history information included in And at least one word processor file or web document file including MHT).

Alternatively, the sales document electronic document received by the electronic document receiving unit 2150 through the communication means may include purchase company information included in the sales information received by the information registration server 2100 from the information registration terminal 2170. Document content including the watermarking after including at least one or more information of the purchase company information and transaction history information included in the sales history information in a watermarking method in the document content including at least one transaction history information; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the sales document electronic document received by the electronic document receiving unit 2150 through the communication means may include purchase company information included in the sales information received by the information registration server 2100 from the information registration terminal 2170. The image file may include an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one transaction history information.

Alternatively, the sales history electronic document received by the electronic document receiver 2150 through the communication means may include sales company information included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. Sales company information and transaction history information included in the sales history information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one transaction history information. After including at least one of the information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the sales history electronic document received by the electronic document receiving unit 2150 through the communication means is the sales history received by the information registration server 2100 from the information registration terminal 2170. A predetermined document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one selling company information and transaction history information included in the information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

Alternatively, the sales history electronic document received by the electronic document receiver 2150 through the communication means may include sales company information included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. Sales company information and transaction history information included in the sales history information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one transaction history information. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web text including MHT. It is preferred which comprises a file, and so on).

According to another exemplary embodiment of the present invention, the sales document electronic document received by the electronic document receiver 2150 through the communication means is received by the information registration server 2100 from the information registration terminal 2170. Image contents (e.g., image contents generated by capturing the document contents on a memory) and the sales history information which capture document contents including at least one selling company information and transaction history information included in the sales history information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the sales history electronic document received by the electronic document receiver 2150 through the communication means may include sales company information included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. Purchasing company information and transaction history information included in the sales history information in image content (eg, image content generated by capturing the document content on a memory) which captured document content including at least one transaction history information. Generating image content including at least one or more of the information by a watermarking method, a document file including the watermarking image content and the sales information (eg, a PDF (Portable Document Format) file, Or a word processor file including at least one of an EDI (Electronic Data Interchange) file or an HWP / DOC. It comprises a web page file, and so on) containing the MHT is preferred.

The information generating unit 2155 is a predetermined electronic document unique number (or unique information) to be assigned to the sales history electronic document received through the electronic document receiving unit 2150, and the selling through the electronic document receiving unit 2150. And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the sales history electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 2155 refers to the sales history electronic document by referring to the information registration server 2100 that has transmitted the sales history electronic document received through the electronic document receiving unit 2150. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 2100 through the electronic document receiving unit 2150, the information generating unit 2155 may receive the received information. Electronic document-related information (e.g., sales company information entered by inputting (selection) of the sales history information, financial institution information transmitting the sales history electronic document, electronic document file format information, or the sales history information, etc.) It is preferable to generate the electronic document management information further comprising.

The electronic document storage unit 2160 associates the sales history electronic document received through the electronic document receiving unit 2150 with the electronic document management information generated through the information generating unit 2155 to process a predetermined electronic document D /. It stores in the B (2165).

According to the exemplary embodiment of the present invention, the sales history electronic document stored in the electronic document D / B 2165 by the electronic document storage unit 2160 is the information registration server 2100 by the information registration terminal 2170. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a document file) containing document contents including at least one of selling company information and transaction history information included in the sales history information received from And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the sales history electronic document stored by the electronic document storage unit 2160 in the electronic document D / B 2165 may be included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. After the watermarking method includes at least one or more of the sales company information and the transaction history information included in the sales history information in the document content including at least one selling company information and transaction history information included in the watermarking method; Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the sales history electronic document stored by the electronic document storage unit 2160 in the electronic document D / B 2165 may be included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one selling company information and transaction history information. It is preferable.

Alternatively, the sales history electronic document stored by the electronic document storage unit 2160 in the electronic document D / B 2165 may be included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. Sales included in the sales history information in image contents (eg, image contents generated by capturing the document contents on a memory) which capture document contents including at least one selling company information and transaction history information. After including at least one or more information of the company information and transaction details in a watermarking (Watermarking) method, it is preferable that the image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the sales information electronic document stored in the electronic document D / B 2165 by the electronic document storage unit 2160 is provided by the information registration server 2100 by the information registration terminal 2170. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one selling company information and transaction history information included in the sales history information received from A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the sales history electronic document stored by the electronic document storage unit 2160 in the electronic document D / B 2165 may be included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. Sales included in the sales history information in image contents (eg, image contents generated by capturing the document contents on a memory) which capture document contents including at least one selling company information and transaction history information. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more of company information and transaction history information by a watermarking method, and including the image content including the watermarking. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web including MHT. It comprises a document file, etc.) is preferred.

According to another exemplary embodiment of the present invention, the sales history electronic document stored in the electronic document D / B 2165 by the electronic document storage unit 2160 may include the information registration server 2100. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one selling company information and transaction history information included in the sales history information received from 2170. And a word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the sales history information, or an MHT. Web document files, etc.) to be included.

Alternatively, the sales history electronic document stored by the electronic document storage unit 2160 in the electronic document D / B 2165 may be included in the sales history information received by the information registration server 2100 from the information registration terminal 2170. Sales included in the sales history information in image contents (eg, image contents generated by capturing the document contents on a memory) which capture document contents including at least one selling company information and transaction history information. Create image content including at least one or more information of the company information and transaction history information by a watermarking method, and a document file including the watermarking image content and the sales information (eg, a PDF file). A word processor file including at least one of a Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, Preferably comprises a web page file, and so on) containing the MHT.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2165 by the electronic document storage unit 2160 in association with the sales history electronic document is stored in the sales history electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2165 by the electronic document storage unit 2160 in association with the sales history electronic document is stored in the sales history electronic document. It is preferable that the information registration server 2100, which has been transmitted, further comprises information on the financial institution that has transmitted the sales history electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 2100, the electronic document storage unit 2160 processes the electronic document in association with the sales history electronic document. The electronic document management information stored in the document D / B 2165 may include the received electronic document related information (for example, the customer information transmitted by inputting (selecting) the sales history information or the transmission history electronic document). Financial institution information, electronic document file format information, or sales history information).

22 is a diagram showing the structure of the sales information stored in the ledger D / B (2200) provided in the DBMS on the financial system in a non-face-to-face for the automatic payment of the payout in accordance with an embodiment of the present invention.

More specifically, in FIG. 22, when the storage medium 2140 illustrated in FIG. 21 is the ledger D / B 2200 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 2200 is used. An information structure of an embodiment of the method for storing sales history information including the selling company information and transaction history information is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to this figure 22 or It will be possible to deduce a variety of information configuration method for storing the sales history information in the ledger D / B (2200) by modifying, but the present invention includes all the implementation method inferred, the embodiment shown in Figure 22 It is not limited to only.

Referring to FIG. 22 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2200 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 2200 includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) or at least one for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that the additional information is included, and the specific technical matters for this will be understood, so the detailed description thereof is provided for convenience. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 22, the sales history information provided through the sales history information registration system shown in FIG. 21 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one transaction history information.

The selling company information includes a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (for example, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File (numbers), etc.).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined purchase company, transaction company information (eg, a trading company name, a business registration number, a representative, a business type, a business type, a company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

According to another exemplary embodiment of the present invention, the sales information is stored in the form of information included in the account ledger (not shown), or additional information added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

23 is a diagram showing the structure of the sales information stored in the database associated with the ledger D / B (2300) provided in the DBMS on the financial system in a non-face-to-face for the automatic payment of sales payout in accordance with another embodiment of the present invention to be.

More specifically, FIG. 23 is an information structure for an implementation method in which a storage medium 2305 shown in FIG. 21 is stored in a predetermined database processed in association with a ledger D / B 2300 provided in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 23 and store the sales history information in a predetermined database in association with the ledger D / B 2300. Various information configuration methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 23, when it is not easy to store the sales history information in the ledger information of the ledger D / B 2300 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). It is not easy to change / B (2300), or the system expansion is not easy due to the nature of the financial system), the sales history information is stored in a predetermined database instead of the ledger D / B (2300), and The implementation method of linking and storing a database and the ledger D / B 2300 is illustrated.

In addition, the database shown in FIG. 23 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 23, 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.

Referring to Figure 23, the database is characterized in that the sales company information included in the sales history information and the transaction history information to be stored in association, the sales history information is linked to the ledger D / B (2300) processing Preferably, the sales history information further includes a CIF number corresponding to the ledger information.

The selling company information may include a name of a purchasing company, a business registration number, a representative, a business status, a business type, a company classification (eg, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (eg, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File (numbers), etc.).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined sales company, transaction company information (eg, trading company name, business registration number, representative, type of business, type of business, company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

24 is a diagram showing the structure of the sales information stored in the DBMS provided in the banking server in a non-face-to-face for the automatic payout of sales in accordance with another embodiment of the present invention.

More specifically, FIG. 24 shows a DBMS in which the storage medium 2305 shown in FIG. 21 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, the sales history is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present invention 24 It will be possible to infer an information construction method for information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 24, a predetermined DBMS provided in the banking server may be configured to store and store sales company information and transaction history information included in the sales history information.

The selling company information includes a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (for example, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File (numbers), etc.).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined sales company, transaction company information (eg, trading company name, business registration number, representative, type of business, type of business, company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

25A and 25B illustrate a process of registering sales history information in a non-face-to-face manner for automatically retrieving payouts according to an exemplary embodiment of the present invention.

In more detail, FIGS. 25A and 25B show that the information registration terminal 2170 on the sales history information registration system shown in FIG. 21 is a client terminal, and the information registration server 2100 is connected to a client terminal through predetermined network means. In the case of having an accessible web server function, if a predetermined sales company provides sales history information including at least one purchase company information and transaction history information through the client terminal for the automatic payout of the sales price, In the sales history information registration system, a predetermined sales history electronic document including the provided sales history information is generated and stored in a predetermined electronic document repository, and the process of linking the purchase company information and transaction history information included in the sales history information is performed. The present invention relates to an implementation method of storing in a predetermined storage medium 2305. If one of ordinary skill in the art with reference to or modify the present invention 25a and 25b it can be inferred from various implementation methods for registering the sales history information from the client terminal to the information registration server 2100. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 25A and 25B.

For example, in the method illustrated in FIGS. 25A and 25B, the client terminal receives a user interface for inputting (or selecting) the sales history information through a predetermined web page provided by the information registration server 2100. Although illustrated as being described, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the information registration server 2100, and thus the present invention is not limited thereto.

Hereinafter, in FIG. 25A and FIG. 25WB, the client terminal shown in FIG. 21 will be referred to as a "terminal" for convenience, and the information registration server 2100 shown in FIG. 21 will be referred to as a "server" for convenience. The sales company information and the transaction history information transmitted to the information registration server 2100 are referred to as "sales history information" for convenience.

Referring to FIGS. 25A and 25B, when the client terminal illustrated in FIG. 21 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, A user connects to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based mobile Internet, or an IEEE 802.11x-based wireless LAN, and connects a predetermined communication channel, and the user for the automatic payout of the payout. When requesting a web page including an interface (2500), the server correspondingly inputs (or selects) sales history information including at least one of the sales company information and the transaction history information to a user for transmission to the server. Generate (or extract) a web page including an interface (2505), and generate (or extract) through the network means User and transmits the output to the web page that includes an interface to the mobile station (2510).

According to the method of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the sales history information registration procedure, whereby the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) sales history information including at least one sales company information and transaction history information through a user interface included in the web page (2515).

If the terminal inputs (or selects) sales history information including the sales company information and transaction history information through the user interface (2520), the terminal purchases the input (or selects) through the communication channel. The company information and transaction history information are transmitted to the server (2525).

According to an embodiment of the present invention, the terminal includes predetermined password or security card information for confirming the validity of the sales history information in the server to sales history information including at least one of the sales company information and the transaction history information. Or it may further include at least one or more OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including sales history information including at least one of the selling company information and transaction history information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the sales history information and transmit the same to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, for checking the official certificate provided in the IC chip (or IC card) It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including sales history information including at least one of the selling company information and transaction history information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined certificate provided with at least one encryption key, or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the sales information and the technical characteristics of attaching a predetermined electronic signature to the sales information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the sales company information and the transaction history information through the communication channel to check the validity of the sales history information (2530).

According to an embodiment of the present invention, the sales information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). When encrypted, the server may be configured to at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, an electronic envelope based decryption method, or a key) corresponding to the encryption method. It is preferable to authenticate the validity of the received sales information by decryption using an exchange-based decryption scheme).

Alternatively, when a predetermined electronic signature is attached to the sales history information, the server verifies the validity of the received sales history information by checking the electronic signature attached to the sales history information.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted sales details information and the technical features for confirming the electronic signature attached to the sales details information. Since it will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the sales history information received through the information receiving unit 2115 further includes a predetermined password for confirming the validity of the sales history information, the server may include the sales history information. It is preferable to authenticate the validity of the received sales history information by comparing and authenticating the received password and the password provided corresponding to the selling company on the DBMS.

Alternatively, when the sales history information received through the information receiving unit 2115 further includes predetermined security card information for confirming the validity of the sales history information, the server is included in the sales history information and received. By comparing and authenticating the secured card information and the secured card information provided corresponding to the selling company on the DBMS, it is preferable to authenticate the validity of the received sales details information.

Alternatively, when the sales history information received through the information receiver 2115 further includes a predetermined OTP code for confirming the validity of the sales history information, the server is included in the sales history information and received. It is preferable to authenticate the validity of the received sales information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the selling company on the DBMS.

According to an embodiment of the present invention, the validity check of the sales history information may include at least one ledger information matching the sales history information in the ledger D / B 2300 on the financial system associated with the sales history information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2120 may include, among the information included in the sales history information, the customer information (customer personal information, member information, etc.) in the ledger D / B on the financial system associated with the sales history information registration system. It is preferable to include a check that matches with the customer ledger stored in (2300).

According to an embodiment of the present invention, the validity check of the sales history information may include at least one ledger information matching the sales history information in the ledger D / B 2300 on the financial system associated with the sales history information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2120 may include a ledger D on a financial system in which the purchasing company information (purchasing company-specific information, member information, etc.) of the information included in the sales history information is linked to the sales history information registration system. It is preferable to include checking whether the / B (2300) matches the customer ledger.

At this time, the validity confirming unit 2120 checks whether the selling company that transmits the sales history information is a selling company that has registered loan agreement information for a loan through the information registration system shown in FIG. 1 or 6. It is done.

In addition, the validity confirmation of the sales history information, the purchaser company information (purchase company specific information, or member information, etc.) in the transaction history information included in the sales history information ledger on the financial system associated with the sales history information registration system It is preferably made to include matching with the customer ledger stored in the D / B (2300).

At this time, the validity confirming unit 2120 checks whether the purchasing company is a purchasing company that has registered payment agreement information for automatic payment of goods corresponding to the purchase of goods through the information registration system shown in FIG. 11 or 16. It is characterized by.

If the validity of the sales history information is not authenticated (2535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2540), and information corresponding to the sales history information. Do not perform the registration process.

On the other hand, if the validity of the sales information is authenticated (2535), the server generates at least one document content including at least one sales company information including the sales information and transaction history information (2545), the A predetermined sales history electronic document including the document content is generated (2550).

According to an embodiment of the present invention, the server generates document content including at least one or more of the selling company information and transaction history information included in the received sales history information, and a document file (eg, containing the document content) , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the sales history electronic document.

Alternatively, the server generates document content including at least one selling company information and transaction history information included in the received sales history information, and deals with the selling company information included in the sales history information in the document content. After including at least one or more information of the history information in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file including document content including the watermarking) , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.), may be processed as a sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) It is preferable to process the image file including the image content generated by capturing on the memory as the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) Image content generated by capturing the image on a memory) by including at least one or more of the sales company information and the transaction information included in the sales information in a watermarking manner, and then including the watermarking image content. It is preferable to process an image file including a sales history electronic document for automatic payout.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more sales company information and transaction history information included in the received sales history information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating a word processor file including at least one or a web document file including the MHT, etc.), it is preferable to process the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) Image content generated by capturing the image on a memory in a watermarking manner, wherein the image content includes at least one of sales company information and transaction information included in the sales information in a watermarking manner. A document file including an image content included (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including an MHT). Document file, etc.) to process the sales history electronic document for automatic payout It is preferred.

According to another exemplary embodiment of the present invention, the server generates document content including at least one selling company information and transaction history information included in the received sales history information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing one image content (e.g., image content generated by capturing the document content on a memory) and the sales history information. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.), to process the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) Image content generated by capturing the image on a memory in a watermarking manner, wherein the image content includes at least one of sales company information and transaction information included in the sales information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) including at least one document file including the included image contents and the sales information, or By generating a web document file including the MHT), the sales history for the automatic payout of the payout It is preferable to process it as an electronic document.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a sales history electronic document in an image file format or a predetermined document file format, an image file corresponding to the sales history electronic document, or Since you will be familiar with the technical features of the file format for document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated sales history electronic document in a predetermined electronic document storage (2555).

As shown in FIG. 21, the electronic document repository includes a predetermined electronic document server 2145 and an electronic document D / B 2165 associated with a server on the sales history information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated sales history electronic document to the electronic document server 2145 via the communication means and stores the electronic document server 2145 in the electronic document D / B 2165.

Alternatively, when the electronic document storage is provided on a DBMS provided in the sales history information registration system, the server may store the generated sales history electronic document in an electronic document storage on a DBMS provided in the sales history information registration system. It is possible to store in the corresponding electronic document D / B 2165, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the sales history electronic document in the electronic document storage is performed by linking the generated sales history electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 21. Preferably stored in / B 2165.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the sales history electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the sales history electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the sales history information, or financial institution information transmitting the sales history electronic document, or an electronic document file format). Information, or the sales history information).

If the sales history electronic document is stored in the electronic document repository (2560), the server processes the sales company information and transaction history information included in the sales history information in a predetermined storage medium 2305 (2565) generate (or extract) predetermined information registration history information (e.g., a history of storing the sales history electronic document in the electronic document repository, or a history of storing the sales history information in the storage medium 2305) And transmits it to the terminal (2570).

According to one embodiment of the invention, the storage medium 2305 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system). In this case, the storage medium 2305 may be a ledger D / B 2300 provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B 2300, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 2305 is provided on (or associated with) the sales history information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

26A, 26B, and 26C illustrate a process of registering sales history information through a non-face-to-face financial transaction channel for automatic collection of payouts according to one embodiment of the present invention.

In more detail, FIGS. 26A, 26B, and 26C illustrate a case where the sales history information registration system shown in FIG. 21 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the sales history shown in FIG. 21). In the case where the information registration server 2100 on the information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and a predetermined customer authentication procedure. After performing the operation, if the client terminal transmits predetermined sales history information for automatic payout of the payout to the Internet banking server, the predetermined sales history electronic document including the received sales history information is transmitted from the Internet banking server. Create and store in a predetermined electronic document storage, the sales company information and transaction history contained in the sales history information An embodiment of the present invention relates to a method of linking and storing information in a predetermined storage medium 2305. Those skilled in the art may refer to or modify the drawings 26a, 26b, and 26c. Various implementation methods for registering the sales history information through other types of non-face-to-face financial transaction channels may be inferred, but the present invention includes all the implementation methods inferred above, as shown in FIGS. 26A, 26B and 26C. It is not limited to the implementation method shown.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 26A, 26B and 26C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering sales history information between the client terminal and the Internet banking server based on a program is illustrated, the present invention may be applied to those skilled in the art. Referring to or modifying an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 26A, 26B, and 26C, the client terminal and the Internet banking server are installed based on a predetermined internet banking program mounted on the client terminal. Plate on Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of historical information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in FIGS. 26A, 26B, and 26C, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of sales history information, but the present invention provides the telebanking system or wireless system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 26A, 26B and 26C. It is never limited to banking.

In the following Figures 26a, 26b and 26c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 2100 is referred to as "server" for convenience.

26A, 26B, and 26C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2600a), the server connects the terminal and the server through the browser. (2605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on the predetermined communication protocol defined in the internet banking program and at least one or more information ( Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be installed or updated in the terminal (2615a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2620a.

If the terminal does not need to install or update the latest version of the Internet banking security module (2625a), or if the terminal does not need to install or update the Internet banking security module (2615a), the server is the Internet mounted on the terminal By activating a security module for banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (2630a), wherein the security channel for internet banking is The server may attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal, or encrypt it using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). It means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the predetermined electronic information to the information (or data) to be provided to the server for registration of sales history information in the terminal When the signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the digital signature or a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel to decode the information (or data) by means of a decoding method (or a decoding algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of sales information in the terminal. Or at least one encryption method (or And encrypting the data using an encryption algorithm), so that the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (2640a). In operation 2645a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2650a), the server blocks the internet banking security channel for the terminal (2655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2660a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined sales history information for automatic sales payback from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for the automatic payout of the payout to the server through an internet banking-based financial transaction channel (2600b), the server responds to the selling company information and transaction details. Generate (or extract) a web page including a user interface for inputting (or selecting) sales information including at least one information and transmitting the same to the server (2605b), and through the internet banking-based financial transaction channel The web page including the generated (or extracted) user interface is transmitted to the terminal and output (2610b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) sales history information including at least one of sales company information and transaction history information in the terminal. In order to verify the validity of an Internet banking customer requesting to register sales details, certain password or security card information (e.g., security card information printed on the security card issued to the customer during the Internet banking application process) or OTP (One Time Password) (eg, an Internet banking application process (or after an internet banking application) further includes a user interface for inputting a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. desirable.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the sales history information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) sales history information including at least one of the selling company information and the transaction history information through the information registration interface (2615b).

If the terminal inputs (or selects) sales history information including the sales company information and transaction details information through the user interface (2620b), the terminal inputs (or selects) the information through the financial transaction channel. Sales history information is transmitted to the server (2625b).

According to an embodiment of the present invention, the terminal includes predetermined password or security card information for confirming the validity of the sales history information in the server to sales history information including at least one of the sales company information and the transaction history information. Or it may further include at least one or more OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including sales history information including at least one of the selling company information and transaction history information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the sales history information and transmit the same to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, for checking the public certificate provided in the IC chip (or IC card) It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including sales history information including at least one of the selling company information and transaction history information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined certificate provided with at least one encryption key, or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the sales information and the technical characteristics of attaching a predetermined electronic signature to the sales information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the sales history information through the financial transaction channel to confirm the validity of the sales history information (2630b).

According to an embodiment of the present invention, the sales information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). When encrypted, the server may be configured to at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, an electronic envelope based decryption method, or a key) corresponding to the encryption method. It is preferable to authenticate the validity of the received sales information by decryption using an exchange-based decryption scheme).

Alternatively, when a predetermined electronic signature is attached to the sales history information, the server verifies the validity of the received sales history information by checking the electronic signature attached to the sales history information.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted sales details information and the technical features for confirming the electronic signature attached to the sales details information. Since it will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the sales history information received through the information receiving unit 2115 further includes a predetermined password for confirming the validity of the sales history information, the server displays the sales history information. It is preferable to authenticate the validity of the received sales history information by comparing and authenticating a password included in correspondence with a password provided corresponding to the customer on the DBMS.

Alternatively, when the sales history information received through the information receiving unit 2115 further includes predetermined security card information for confirming the validity of the sales history information, the server is included in the sales history information and received. By comparing and authenticating the security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received sales details information.

Alternatively, when the sales history information received through the information receiver 2115 further includes a predetermined OTP code for confirming the validity of the sales history information, the server is included in the sales history information and received. It is preferable to authenticate the validity of the received sales information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity check of the sales history information may include at least one ledger information matching the sales history information in the ledger D / B 2300 on the financial system associated with the sales history information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2120 may include a ledger D on a financial system in which the purchasing company information (purchasing company-specific information, member information, etc.) of the information included in the sales history information is linked to the sales history information registration system. It is preferable to include checking whether the / B (2300) matches the customer ledger.

At this time, the validity confirming unit 2120 checks whether the selling company that transmits the sales history information is a selling company that has registered loan agreement information for a loan through the information registration system shown in FIG. 1 or 6. It is done.

In addition, the validity confirmation of the sales history information, the purchaser company information (purchase company specific information, or member information, etc.) in the transaction history information included in the sales history information ledger on the financial system associated with the sales history information registration system It is preferably made to include matching with the customer ledger stored in the D / B (2300).

At this time, the validity confirming unit 2120 is a purchasing company that the purchaser registered the payment agreement information for automatic payment of a predetermined purchase price corresponding to the sale of goods through the information registration system shown in FIG. It is characterized by checking whether or not.

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

On the other hand, if the validity of the sales information is authenticated (2635b), the server generates at least one document content including the transaction information and at least one sales company information including the sales information (2645b), A predetermined sales history electronic document including the document content is generated (2650c).

According to an embodiment of the present invention, the server generates document content including at least one or more of the selling company information and transaction history information included in the received sales history information, and a document file (eg, containing the document content) , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the sales history electronic document.

Alternatively, the server generates document content including at least one or more sales company information and transaction history information included in the received sales history information, and the sales company information and transaction history included in the sales history information in the document content. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT, etc.), as the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) It is preferable to process the image file including the image content generated by capturing on the memory as the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) Image content generated by capturing the image on a memory) by including at least one of sales company information and transaction history information included in the sales information in a watermarking manner, and then including the watermarking image content. It is preferable to process an image file including a sales history electronic document for automatic payout.

According to another exemplary embodiment of the present invention, the server generates document contents including at least one or more purchase company information and transaction details included in the received sales history information, and captures the document contents. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating a word processor file including at least one or a web document file including the MHT, etc.), it is preferable to process the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) Image content generated by capturing the image on a memory in a watermarking manner, wherein the image content includes at least one of sales company information and transaction information included in the sales information in a watermarking manner. A document file including an embedded image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT) By generating a web document file, etc., to process the sales history electronic document for automatic payout It is preferable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one selling company information and transaction history information included in the received sales history information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing one image content (e.g., image content generated by capturing the document content on a memory) and the sales history information. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.), to process the sales history electronic document for automatic payout.

Or, the server generates document content including at least one or more of the sales company information and transaction history information included in the received sales history information, and captures the image content (eg, the document content) Image content generated by capturing the image on a memory in a watermarking manner, wherein the image content includes at least one of sales company information and transaction information included in the sales information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) including at least one document file including the included image contents and the sales information, or Sales history for the automatic payout of the payout by generating a web document file including MHT) It is preferable to process it as an electronic document.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a sales history electronic document in an image file format or a predetermined document file format, an image file corresponding to the sales history electronic document, or Since you will be familiar with the technical features of the file format for document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated sales history electronic document in a predetermined electronic document storage (2655c).

As shown in FIG. 21, the electronic document repository includes a predetermined electronic document server 2145 and an electronic document D / B 2165 associated with a server on the sales history information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated sales history electronic document to the electronic document server 2145 via the communication means and stores the electronic document server 2145 in the electronic document D / B 2165.

Alternatively, when the electronic document storage is provided on a DBMS provided in the sales history information registration system, the server may store the generated sales history electronic document in an electronic document storage on a DBMS provided in the sales history information registration system. It is possible to store in the corresponding electronic document D / B 2165, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the sales history electronic document in the electronic document storage is performed by linking the generated sales history electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 21. Preferably stored in / B 2165.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the sales history electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the sales history electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the sales history information, or financial institution information transmitting the sales history electronic document, or electronic document file format). Information, or the sales history information).

If the sales history electronic document is stored in the electronic document repository (2660c), the server processes the sales company information and transaction history information included in the sales history information in a predetermined storage medium 2305 and 2665c, generate (or extract) predetermined information registration history information (eg, a history of storing the sales history electronic document in the electronic document repository, or a history of storing the sales history information in the storage medium 2305) And transmits it to the terminal (2670c).

According to one embodiment of the invention, the storage medium 2305 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system). In this case, the storage medium 2305 may be a ledger D / B 2300 provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B 2300, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 2305 is provided on (or associated with) the sales history information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

FIG. 27 is a diagram illustrating a system for registering a sales history information in a face-to-face manner for automatically recovering a payout of a selling company according to another exemplary embodiment of the present invention.

More specifically, Figure 27 shows that at least one or more of the selling company information and the transaction history information for the sales company that has registered the predetermined loan commitment information through the information registration system shown in FIG. When a sales history information registration application including a form is prepared and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, and sells through a predetermined information registration interface. When the sales history information corresponding to the sales history information registration application and the image contents obtained from the sales history information registration application are provided to a history information registration system, a predetermined sales history electronic document including the image contents is generated and predetermined. In the electronic archives of the A system configuration for linking and processing the selling company information and transaction history information included in a predetermined storage medium (2745), specifically, the electronic document repository and the sales history information registration system through a predetermined communication means; To an implementation method provided on an associated external system.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 27 to infer various implementation methods for the construction of a sales history information registration system for automatic recovery of the selling price of a selling company. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in this figure 27.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 27 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the sales history information registration system. However, the present invention includes all the implementation methods inferred from the above, and is not limited only to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 27, the sales history electronic document corresponding to the sales history information registration application is described as being generated on the server side on the sales history information registration system. The sales history electronic document may not be limited, and may be generated at a terminal that acquires image content corresponding to the sales history information registration application through a predetermined image acquisition device (for example, the electronic document provided at the server side). Generation function is provided on the terminal side to generate the sales history electronic document), thereby the present invention is not limited.

Hereinafter, the sales history information and the image contents corresponding to the sales history information registration application prepared by the sales company are provided through a predetermined information registration interface on the sales history information registration system shown in FIG. 27 to obtain a predetermined sales history electronic document. Components corresponding to at least one or more means or functional configurations that are generated and stored in a predetermined electronic document storage and store the sales history information in a predetermined storage medium 2745 are referred to as "information registration server 2700" for convenience. .

Referring to this figure 27 according to the embodiment of the present invention, the sales history information registration system for automatic payout of the selling company, the information including a teller terminal provided in at least one branch (or branch) of the financial institution Characterized in that it comprises a registration terminal 2775, the information registration terminal 275 is connected to the communication channel and the information registration server 2700 provided on the sales history information registration system through a predetermined financial network .

According to an exemplary embodiment of the present invention, the selling company visits the financial institution branch (branch branch) for automatic recovery of the selling price, and through a window (or a teller staff) provided at the financial institution branch (branch branch). The application forms a predetermined sales history information registration application (e.g., a document having a form for filling in at least one information item for the automatic payout), wherein the selling company It is preferable to seal the seal of the sales company for the legal basis for the sales history information registration application.

Subsequently, when the sales company submits the completed sales history information registration application to a window staff, the window staff scans the sales history information registration application through a predetermined image acquisition device to obtain predetermined image contents, Inputting (or selecting) image contents obtained in response to the sales history information registration application through the counter terminal, and sales history information including at least one selling company information and transaction history information written in the sales history information registration application; In response, the counter terminal preferably transmits the image content and sales history information to the information registration server 2700 provided on the sales history information registration system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 2700 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (for example, a ledger server, etc.), and the financial network connecting the teller terminal and the information registration server 2700 connects the communication channel between the teller terminal and the information registration server 2700. It is preferable to comprise a network.

In the sales history information registration system as described above, an image acquiring device for acquiring image contents corresponding to a sales history information registration application prepared by the sales company, a counter terminal used by the employee, the counter terminal and the information registration The financial network connecting the server 2700 performs a function of an information registration interface for registering the sales history information for the selling company to automatically recover the payout.

The storage medium 2745 provided on the sales history information registration system according to the present invention performs a predetermined process by linking the sales company information and transaction history information included in the sales history information provided from the information registration terminal 2775. It characterized in that the storage in the storage medium (2745).

The selling company information includes a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (for example, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File (numbers), etc.).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined sales company, transaction company information (eg, trading company name, business registration number, representative, type of business, type of business, company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information and tax invoice information.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system). In this case, the storage medium 2745 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 is provided on (or associated with) the sales history information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 2700 provided on the sales history information registration system according to the present invention is a generic term for components of the sales history information registration system side connected to the information registration terminal 275 through a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), thereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 275 is a window terminal connected to a predetermined financial network, the information registration server 2700 is located on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server provided in, 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 2700 is characterized in that it comprises an interface unit 2705 for connecting and managing a predetermined communication channel with the information registration terminal 275 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 275 is a teller terminal connected to a predetermined financial network, the interface unit 2705 may select the teller terminal and the predetermined counter based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 27, when the information registration terminal 275 connects a predetermined communication channel with the information registration server 2700 through the interface unit 2705, the information registration server 2700 is connected to the information registration server 2700. Acquire image contents corresponding to the sales history information registration application prepared by the sales company through a predetermined image acquisition device provided in the information registration terminal 2775 for automatically recovering the payout, and respond to the sales history information registration application. Generate (or extract) at least one user interface for inputting (or selecting) sales history information to be transmitted to the information registration server 2700, and generating (or extracting) in connection with the interface unit 2705. An interface providing unit 2710 that provides the user interface to the information registration terminal 2775, and the user interface in the information registration terminal 2775. Information for receiving the sales history information transmitted from the information registration terminal 275 in connection with the interface unit 2705 when the sales history information corresponding to the sales history information registration application is input (or selected) and transmitted. When the receiver 2715 and the information registration terminal 2775 acquire and transmit image contents corresponding to the sales history information registration application prepared by the sales company through a predetermined image acquisition device based on the user interface, the interface And an image receiving unit 2720 that receives image contents corresponding to the sales history information registration application in association with the unit 2705.

The interface providing unit 2710 connects a predetermined communication channel with the information registration server 2700 through the interface unit 2705 to the information registration server 2700. When the user interface request for the automatic payment of the sales price is requested, image contents corresponding to the sales history information registration application prepared by the sales company are obtained through a predetermined image acquisition device provided in the information registration terminal 2775, and Generate at least one user interface for inputting (or selecting) sales history information corresponding to a sales history information registration application and transmitting it to the information registration server 2700 through the financial network, or a predetermined database (not shown). ) And the generated (or extracted) user interface in cooperation with the interface unit 2705 through the financial network. It characterized in that provided in the information registering terminal (2775).

According to another embodiment of the present invention, the information registration terminal 2475 acquires image contents corresponding to the sales history information registration application prepared by the sales company through a predetermined image acquisition device, and corresponds to the sales history information registration application. When a predetermined information registration program having at least one user interface for inputting (or selecting) sales history information to be transmitted to the information registration server 2700 through the financial network is provided, the predetermined information as described above is provided. Acquire image contents corresponding to the sales history information registration application prepared by the sales company through an image acquisition device, and input (or select) sales history information corresponding to the sales history information registration application to register the information registration server 2700. Create (or extract) a user interface to transmit to the information registration terminal ( The interface providing unit 2710 provided to 2775 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2475 inputs (or selects) sales history information including at least one of the sales company information and transaction details information through the user interface, and the input (or selected) sales history information. Is transmitted to the information registration server 2700 through the financial network, and in response thereto, the information receiving unit 2715 is connected to the interface unit 2705 and the sales history information transmitted from the information registration terminal 275 Characterized in that it receives.

In addition, the information registration terminal 275 acquires image contents corresponding to the sales history information registration application prepared by the sales company through a predetermined image acquisition apparatus based on the user interface, and obtains the acquired image contents from the finance. The image receiving unit 2720 receives the image contents corresponding to the sales history information registration application in association with the interface unit 2705. do.

According to another exemplary embodiment of the present invention, the information registration terminal 275 acquires image content corresponding to the sales history information registration application prepared by the sales company through a predetermined image acquisition device. In the case of pre-stored in a predetermined storage device provided in (or associated with), the information registration terminal (2775) the sales history created by the selling company of at least one or more image content stored in the storage device through the user interface An image content corresponding to an information registration application is selected and transmitted to the information registration server 2700 through the financial network. In response thereto, the image receiving unit 2720 is connected to the interface unit 2705 and the sales history information. It is desirable to receive image content corresponding to the registration application.

According to another exemplary embodiment of the present invention, the sales information corresponding to the sales history information registration application and the image content corresponding to the sales history information registration application created by the sales company through the user interface in the information registration terminal 2775 When the information is transmitted together, the information receiver 2715 may receive the image content corresponding to the sales history information registration application and the sales history information together with the interface unit 2705 (eg, the image receiver). 2720 may be integrated into the information receiving unit 2715 and the present invention is not limited thereto.

Referring to FIG. 27, when the sales history information transmitted from the information registration terminal 275 is received through the information receiving unit 2715, the information registration server 2700 receives the sales history information. Characterized in that it comprises a validity check unit (2725) for confirming that the validity for the automatic recovery.

According to the method of the present invention, the validity check of the sales history information is whether at least one or more ledger information matching the sales history information is registered in the ledger D / B on the financial system associated with the sales history information registration system It is preferable to include checking.

For example, the validity confirming unit 2725 may include a ledger D on a financial system in which the selling company information (the selling company unique information, the member information, etc.) of the information included in the selling history information is linked to the selling history information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

At this time, the validity confirming unit 2725 checks whether the selling company that transmits the sales history information is a selling company that has registered loan agreement information for a predetermined loan through the information registration system shown in FIG. 1 or 6. It is characterized by.

In addition, the validity confirmation of the sales history information is the purchaser company information (purchase company specific information, member information, etc.) in the transaction history information included in the sales history information ledger on the financial system associated with the sales history information registration system It is preferable to include a check that matches the customer ledger stored in the D / B.

At this time, the validity confirmation unit 2725 checks whether the purchasing company is a purchasing company that has registered payment agreement information for automatic payment of purchase price corresponding to the purchase of goods through the information registration system shown in FIG. 11 or 16. Characterized in that.

Referring to FIG. 27, the information registration server 2700 receives the image content transmitted from the information registration terminal 275 through the image receiving unit 2720, and the sales through the validity checking unit 2725. When the validity of the history information is authenticated, an electronic document generation unit 2730 for generating a predetermined sales history electronic document including the received image content, and the generated sales history electronic document and the sales history information registration system. It is characterized by comprising an electronic document transmission unit 2735 for transmitting to the associated electronic document storage.

The electronic document generation unit 2730 generates a sales history electronic document including the image content received from the information registration terminal 275 through the image receiving unit 2720.

According to the exemplary embodiment of the present invention, the electronic document generator 2730 automatically stores the image file including the image content received from the information registration terminal 275 through the image receiver 2720 as it is. It is desirable to process the sales details electronic document for recovery.

Alternatively, the electronic document generation unit 2730 is included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. It is preferable to generate a sales history electronic document for the automatic payout of the image file corresponding to the image content including at least one or more information of the company information and the transaction history information (Watermarking) method.

According to another embodiment of the present invention, the electronic document generating unit 2730 is a predetermined document file (eg, including the image content received from the information registration terminal 275 through the image receiving unit 2720) Automatic generation of the payout by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a sales history electronic document for retrieval.

Alternatively, the electronic document generation unit 2730 may be included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generating an image content including at least one or more information of company information and transaction history information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to generate.

According to another embodiment of the present invention, the electronic document generating unit 2730 is the image content received from the information registration terminal 275 through the image receiving unit 2720 and through the information receiving unit 2715 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received sales information, or an MHT. By generating a web document file, etc.), it is preferable to generate a sales history electronic document for the automatic payout.

Alternatively, the electronic document generation unit 2730 may be included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generate image content including at least one or more information of company information and transaction history information by a watermarking method, and include a predetermined document file (eg, PDF (Portable) including the generated image content and the sales information. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create a sales history electronic document.

In the technical field to which the present invention pertains, technical features of the electronic document generating unit 2730 for generating a sales history electronic document in an image file format or a predetermined document file format, and the sales history electronic document. Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 2735 transmits and stores the sales history electronic document generated by the electronic document generation unit 2730 to a predetermined electronic document repository associated with the sales history information registration system. .

As shown in FIG. 27, the electronic document repository is connected to an information registration server 2700 on the sales history information registration system and a predetermined electronic document server 2750 and an electronic document D / B ( 2770, the electronic document transmission unit 2735 transmits the sales history electronic document generated by the electronic document generation unit 2730 through the communication means to the electronic document server 2750. It characterized in that the transmission to.

Here, when the electronic document server 2750 and the electronic document D / B 2770 are provided outside the sales history information registration system, the electronic document server 2750 and the electronic document D / B 2770 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document repository is provided on a DBMS provided in the sales history information registration system, the electronic document transmission unit 2735 is generated by the electronic document generation unit 2730. The sales history electronic document may be stored in the electronic document D / B 2770 corresponding to the electronic document storage on the DBMS provided in the sales history information registration system, and thus the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 2735 is electronic document related information for generating predetermined electronic document management information in the electronic document server 2750 (eg, sales history corresponding to the image content). It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information, or the electronic document file format information, or the sales history information, and the like, the customer information, or the information on the application for registration of registration information, Thereby, this invention is not limited.

Referring to FIG. 27, when the sales history information received through the information receiving unit 2715 is validated for the automatic payout of the sales price through the validity confirming unit 2725, the information registration server 2700 receives the information. And an information storage unit 2740 for linking and processing the selling company information and the transaction history information included in the sales history information whose validity is verified, in a predetermined storage medium 2745.

When the validity of the sales information is confirmed by the validity verification unit 2725, the information storage unit 2740 associates the sales company information and the transaction information included in the sales history information with the storage medium ( 2745, and when the storage medium 2745 is provided in the information registration server 2700 or on a network associated with the information registration server 2700, the information storage unit 2740 is preferably stored in the storage medium 2745 by linking the sales company information and transaction history information included in the received sales history information, the storage medium 2745 DBMS provided on a financial system When provided in the, the information storage unit 2740 provides the financial information by providing the sales company information and transaction history information included in the received sales history information through the external system on the financial system It is desirable to store in a DBMS provided on the system.

Referring to FIG. 27, an electronic document that receives a predetermined sales history electronic document from the information registration server 2700 provided on the sales history information registration system and stores and manages the same in the predetermined electronic document D / B 2770. The server 2750 may include an electronic document receiver 2755 which receives a predetermined sales history electronic document from the information registration server 2700 through a predetermined communication means, and transmits the received sales history electronic document to the electronic document D /. An information generation unit 2760 for generating predetermined electronic document management information for storage and management in the B 2770; and the electronic document management information and the sales history electronic document in association with each other to execute a predetermined electronic document D / B ( And an electronic document storage unit 2765 stored in 2770.

The electronic document receiving unit 2755 is characterized by receiving the sales history electronic document in the form of an image file or a document file from the information registration server 2700 through the communication means.

According to an exemplary embodiment of the present invention, the sales document electronic document received by the electronic document receiving unit 2755 through the communication means may display image contents received by the information registration server 2700 from the information registration terminal 2775. It is preferable that the image file is included as it is.

Alternatively, the sales history electronic document received by the electronic document receiver 2755 through the communication means is included in the sales history information in the image content received by the information registration server 2700 from the information registration terminal 2775. It is preferable to include an image file corresponding to the image content including at least one or more information of the purchase company information and transaction history information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the sales history electronic document received by the electronic document receiving unit 2755 through the communication means is an image content received by the information registration server 2700 from the information registration terminal 2775. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the sales history electronic document received by the electronic document receiver 2755 through the communication means may be included in the sales history information in the image content received by the information registration server 2700 from the information registration terminal 2775. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing image content including at least one of sales company information and transaction history information in a watermarking manner. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the sales history electronic document received by the electronic document receiving unit 2755 through the communication means is an image received by the information registration server 2700 from the information registration terminal 2775 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing contents and the sales information, or an MHT. It is preferable that the web document file including a).

Alternatively, the sales history electronic document received by the electronic document receiver 2755 through the communication means may be included in the sales history information in the image content received by the information registration server 2700 from the information registration terminal 2775. Image content including at least one or more of the selling company information and transaction history information in a watermarking manner, and a predetermined document file (for example, a PDF (Portable Document Format) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 2760 is a predetermined electronic document unique number (or unique information) to be assigned to the sales history electronic document received through the electronic document receiving unit 2755, and the selling through the electronic document receiving unit 2755. And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the sales history electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 2760 refers to the sales history electronic document by referring to the information registration server 2700 which has transmitted the sales history electronic document received through the electronic document receiving unit 2755. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 2700 through the electronic document receiving unit 2755, the information generating unit 2760 receives the received information. Electronic document-related information (e.g., sales company information for which a sales history information registration application corresponding to the image content is prepared, financial institution information for transmitting the sales history electronic document, electronic document file format information, or sales history information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 2765 associates the sales history electronic document received through the electronic document receiving unit 2755 with electronic document management information generated through the information generating unit 2760 to process a predetermined electronic document D /. It stores in the B (2770).

According to the exemplary embodiment of the present invention, the sales information electronic document stored in the electronic document D / B 2770 by the electronic document storage unit 2765 is configured by the information registration server 2700 in the information registration terminal 275. It is preferable that the image file including the image content received from the same as it is included.

Alternatively, the sales history electronic document stored by the electronic document storage unit 2765 in the electronic document D / B 2770 may be stored in the image content received by the information registration server 2700 from the information registration terminal 2775. It is preferable to include an image file corresponding to the image content including at least one or more information of the sales company information and transaction history information included in the sales history information by a watermarking method.

According to another exemplary embodiment of the present invention, the sales information electronic document stored in the electronic document D / B 2770 by the electronic document storage unit 2765 is configured by the information registration server 2700 in the information registration terminal 2775. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the sales history electronic document stored by the electronic document storage unit 2765 in the electronic document D / B 2770 may be included in the image content received by the information registration server 2700 from the information registration terminal 2775. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) containing image content including at least one or more of sales company information and transaction history information included in the sales history information by a watermarking method. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the sales information electronic document stored in the electronic document D / B 2770 by the electronic document storage unit 2765 may include the information registration server 2700. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from 2775 and the sales information. Word processor files, or web document files containing MHT).

Alternatively, the sales history electronic document stored by the electronic document storage unit 2765 in the electronic document D / B 2770 may be included in the image content received by the information registration server 2700 from the information registration terminal 2775. Image contents including at least one or more of the sales company information and the transaction history information included in the sales history information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document Format) including the sales history information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 2770 by the electronic document storage unit 2765 in association with the sales history electronic document is stored in the sales history electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2770 by the electronic document storage unit 2765 in association with the sales history electronic document is stored in the sales history electronic document. The information registration server 2700, which transmits the data, is preferably made to further include financial institution information that has transmitted the sales history electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the information registration server 2700, the electronic document storage unit 2765 processes the electronic document by linking with the sales history electronic document. The electronic document management information to be stored in the document D / B 2770 may include the sales company information or the sales history electronic document in which the received electronic document related information (for example, a sales history information registration application corresponding to the image content is created) or the sales history electronic document. Financial institution information, electronic document file format information, or sales history information).

28 is a diagram showing the structure of the sales information stored in the ledger D / B (2800) provided in the DBMS on the financial system in a face-to-face manner for the automatic recovery of the payout of the selling company according to an embodiment of the present invention.

More specifically, FIG. 28 shows the ledger information provided in the ledger D / B 2800 when the storage medium 2745 illustrated in FIG. 27 is the ledger D / B 2800 provided in the DBMS on the financial system. An information structure of an embodiment of the method for storing sales history information including the sales company information and transaction history information is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to this figure 28 or It will be possible to infer various information configuration methods for modifying and storing the sales history information in the ledger D / B 2800, but the present invention includes all the implementation methods inferred, the implementation method shown in FIG. It is not limited to only.

Referring to FIG. 28 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2800 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in a DBMS on the financial system. The ledger D / B 2800 includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) or at least one for maintaining the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the above additional information is included, and the specific technical matters for this will be understood. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 28, the sales history information provided through the sales history information registration system illustrated in FIG. 27 may be stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one transaction history information.

The selling company information includes a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (for example, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File (numbers), etc.).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined purchase company, transaction company information (eg, a trading company name, a business registration number, a representative, a business type, a business type, a company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

According to another exemplary embodiment of the present invention, the sales information is stored in the form of information included in the account ledger (not shown), or additional information added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

29 is a diagram showing the structure of the sales information stored in the database associated with the ledger D / B (2900) provided in the DBMS on the financial system in a face-to-face manner for the automatic recovery of the payout of the selling company according to another embodiment of the present invention One drawing.

More specifically, FIG. 29 is an information structure for an embodiment in which the storage medium 2905 shown in FIG. 27 is stored in a predetermined database processed in association with the ledger D / B 2900 included in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 29 and store the sales information in a predetermined database in association with the ledger D / B 2900. Various information configuration methods may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 29, when it is not easy to store the sales history information in the ledger information of the ledger D / B 2900 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) / B 2900 is not easy to change, or the system is not easy to expand due to the nature of the financial system), the sales history information is stored in a predetermined database instead of the ledger D / B (2900), and A method of storing a database and the ledger D / B 2900 in a coordinated manner is shown.

In addition, the database shown in FIG. 29 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 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.

Referring to FIG. 29, the database may store and store sales company information and transaction history information included in the sales history information, and the sales history information may be associated with the ledger D / B 2900. Preferably, the sales history information further includes a CIF number corresponding to the ledger information.

The selling company information includes a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (for example, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File) number, etc.) is preferably included.

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined purchase company, transaction company information (eg, a trading company name, a business registration number, a representative, a business type, a business type, a company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

30 is a diagram showing the structure of the sales information stored in the DBMS provided in the banking server in a face-to-face manner for the automatic recovery of the payout of the selling company according to another embodiment of the present invention.

More specifically, FIG. 30 shows a DBMS in which a storage medium 2905 shown in FIG. 27 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, the sales history is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 30. It will be possible to infer an information construction method for information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 30, a predetermined DBMS provided in the banking server may store and store a purchase company information and transaction history information included in the sale history information.

The selling company information may include a name of a purchasing company, a business registration number, a representative, a business status, a business type, a company classification (eg, a large company, a medium company, a small company, etc.), a contact number, a person in charge, a contact person telephone number, and member information of the selling company (eg, the Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the sales history information registration system in response to the selling company by the selling company joining the financial transaction customer of the financial institution. File (numbers), etc.).

The transaction history information may include a transaction amount (purchase amount or sale amount) for a goods transaction with a predetermined purchase company, transaction company information (eg, a trading company name, a business registration number, a representative, a business type, a business type, a company classification (eg, It is preferable to include at least one of a large company, a medium company, a small company, etc.), a contact number, a person in charge, a person in charge of the person in charge, etc.), transaction date and time information, quotation information, transaction statement information, and tax invoice information.

31A and 31B illustrate a process of registering sales details information in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 31A and 31B are window terminals provided with an information registration terminal 275 on the sales history information registration system shown in FIG. 27 at a financial institution branch (or a branch), and the information registration server 2700. Has a ledger server (not shown) function in the financial system associated with the teller terminal through a predetermined financial network, the purchaser includes at least one purchaser information and transaction details for automatic recovery of the selling price. When a sales history information registration application is completed and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, and sells sales information through a predetermined information registration interface. Application for registration of sales history information and sales history information corresponding to the sales history information registration application by an information registration system When providing the image content obtained from the image, a predetermined sales history electronic document including the image content is generated and stored in a predetermined electronic document repository, and the purchase company information and transaction history information included in the sales history information are stored. An embodiment of the present invention relates to a method of performing an association process and storing in a predetermined storage medium 2905. Specifically, the counter terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image obtaining apparatus and performs the information. After the transmission to the registration server 2700, the sales history information corresponding to the sales history information registration application (or select) to show the implementation method for transmitting to the information registration server (2700).

Those skilled in the art to which the present invention pertains, various analogous method of registering the sales history information to the information registration server 2700 in the window terminal by referring to or modifying the drawings 31a and 31b. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 31A and 31B.

For example, in the implementation method illustrated in FIGS. 31A and 31B, the counter terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, or is applied to the sales history information registration application. Although a user interface for inputting (or selecting) corresponding sales history information is illustrated and provided from the information registration server 2700, when a predetermined information registration program is provided in the window terminal, the user interface may be configured as described above. It does not have to be provided from the information registration server 2700, and thereby the present invention is not limited.

In the following Figures 31a and 31b, the window terminal shown in Figure 27 is referred to as a "terminal" for convenience, and the information registration server 2700 shown in Figure 27 is referred to as a "server" for convenience, and in the window terminal The purchasing company information and the transaction history information transmitted to the information registration server 2700 are referred to as "sales history information" for convenience.

Referring to FIGS. 31A and 31B, when a predetermined purchasing company prepares and submits a sales history information registration application including at least one purchase company information and transaction history information for automatic collection of payouts, it is shown in FIG. 27. When the teller terminal accesses the server through a predetermined financial network and requests a user interface for registering sales information corresponding to the sales history information registration application (3100), while connecting a predetermined communication channel (3100), The server generates (or extracts) a user interface for acquiring a predetermined image content corresponding to a sales history information registration application written by the purchasing company through a predetermined image obtaining apparatus and transmitting the same to the server (3105). ), By transmitting the generated (or extracted) user interface to the terminal through the financial network Output (3110).

Thereafter, the terminal acquires image content corresponding to the sales history information registration application through a predetermined image obtaining apparatus based on the user interface in operation 3115.

If image content corresponding to the sales history information registration application is obtained through the image acquisition device (3120), the terminal transmits the obtained image content to the server through the financial network (3125).

Thereafter, the server inputs (or selects) sales history information including at least one purchase company information and transaction history information corresponding to the sales history information registration application matched with the image content and transmits it to the server. And generate (or extract) 3130 and transmit and output the generated (or extracted) user interface to the terminal through the financial network (3135).

Thereafter, the terminal inputs (or selects) sales history information including at least one of the purchase company information and the transaction history information through the user interface (3140).

If the sales history information including at least one of the purchase company information and the transaction history information is input (or selected) through the user interface (3145), the terminal inputs (or selects) the server to the server through the financial network. In operation 3150, the received sales history information is transmitted.

Thereafter, the server receives and reads sales history information including at least one of the purchase company information and transaction history information through the financial network to check the validity of the sales history information (3155).

According to an exemplary embodiment of the present invention, the validity check of the sales history information may include at least one ledger information matching the sales history information in the ledger D / B 2900 on a financial system associated with the sales history information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2725 may include a ledger D on a financial system in which the purchasing company information (purchasing company-specific information or member information, etc.) of the information included in the sales history information is linked to the sales history information registration system. It is preferable to include checking whether the / B 2900 matches the customer ledger.

At this time, the validity confirmation unit 2725 checks whether the purchasing company that transmits the sales history information is a purchasing company that has registered payment agreement information for payment through the information registration system shown in FIG. 1 or 6. It is characterized by.

In addition, the validity confirmation of the sales history information is the sales company information (purchase company specific information, member information, etc.) in the transaction history information included in the sales history information ledger on the financial system associated with the sales history information registration system It is preferably made to include matching with the customer ledger stored in the D / B 2900.

At this time, the validity confirming unit 2725 checks whether the selling company is a selling company that has registered loan agreement information for a predetermined loan corresponding to the sale of goods through the information registration system shown in FIG. 11 or 16. It features.

If the validity of the sales history information is not authenticated (3160), the server generates predetermined information registration error information and transmits it to the terminal (3165), and does not perform an information registration procedure corresponding to the sales history information. Do not.

On the other hand, if the validity of the sales information is authenticated (3160), the server generates a predetermined sales history electronic document containing the image content (3170).

According to an exemplary embodiment of the present invention, the server stores the image file including the image content received from the information registration terminal 275 through the image receiving unit 2720 as it is for automatic recovery of the selling price of the purchasing company. It is desirable to process the sales history electronic document.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. It is preferable to generate the sales history electronic document for the automatic payout of the image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 275 through the image receiving unit 2720. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), thereby generating sales details for the automatic payout. It is desirable to create an electronic document.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. ), Or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a sales history electronic document for automatic payout.

According to another exemplary embodiment of the present disclosure, the server may display the image contents received from the information registration terminal 275 and the sales history information received through the information receiver 2715 through the image receiver 2720. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate a sales history electronic document for the automatic payout.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generating image content including at least one or more of the information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the sales information, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby generating a sales history electronic document for the automatic payout It is desirable to.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a sales history electronic document in an image file format or a predetermined document file format, an image file corresponding to the sales history electronic document, or Since you will be familiar with the technical features of the file format for document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated sales history electronic document in a predetermined electronic document storage (3175).

As shown in FIG. 27, the electronic document repository includes a predetermined electronic document server 2750 and an electronic document D / B 2770 associated with a server on the sales history information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated sales history electronic document to the electronic document server 2750 through the communication means and stores the electronic document server 2750 in the electronic document D / B 2770.

Alternatively, when the electronic document storage is provided on a DBMS provided in the sales history information registration system, the server may store the generated sales history electronic document in an electronic document storage on a DBMS provided in the sales history information registration system. It is possible to store in the corresponding electronic document D / B 2770, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the sales history electronic document in the electronic document storage is performed by linking the generated sales history electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 27. It is preferable to include storing in / B (2770).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the sales history electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the sales history electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a sales history information registration application corresponding to the image content is prepared, or financial institution information for transmitting the sales history electronic document, or an electronic document file). Format information or sales history information).

If the sales history electronic document is stored in the electronic document repository (3180), the server processes the purchase company information and transaction history information included in the sales history information in a predetermined storage medium 2905. (3185) generates (or extracts) predetermined information registration history information (e.g., a history of storing the sales history electronic document in the electronic document repository, or a history of storing the sales history information in the storage medium 2905) And transmits the information to the terminal (3190).

According to one embodiment of the invention, the storage medium 2905 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system), In this case, the storage medium 2905 may be a ledger D / B 2900 provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 2900. It is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2905 is provided on (or associated with) the sales history information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

32A and 32B illustrate a process of registering sales history information in a face-to-face manner according to another exemplary embodiment of the present invention.

32A and 32B show a counter terminal provided with an information registration terminal 275 on a sales history information registration system shown in FIG. 27 at a financial institution branch (or a branch), and the information registration server 2700. Has a ledger server (not shown) function in the financial system associated with the teller terminal through a predetermined financial network, the predetermined purchasing company provides at least one purchase company information and transaction details information for automatic recovery of the selling price. When the sales history information registration application including the above is prepared and submitted, the predetermined window terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, and provides a predetermined information registration interface. Sales history information and sales history information corresponding to the sales history information registration application through the sales history information registration system When the image content obtained from the application is provided, a predetermined sales history electronic document including the image content is generated and stored in a predetermined electronic document repository, and the purchase company information and transaction history information included in the sales history information. The present invention relates to an implementation method of linking and storing in a predetermined storage medium 2905. Specifically, the counter terminal inputs (or selects) sales history information corresponding to the sales history information registration application at the counter terminal and stores the information registration server ( After transmitting to the 2700, a method of obtaining a predetermined image content corresponding to the sales history information registration application through a predetermined image acquisition device and transmitting it to the information registration server (2700).

Those skilled in the art to which the present invention pertains, various analogous method of registering the sales history information to the information registration server 2700 in the window terminal by referring to or modifying the drawings 32a and 32b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 32A and 32B.

For example, in the implementation method shown in FIGS. 32A and 32B, the window terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, or is applied to the sales history information registration application. Although a user interface for inputting (or selecting) corresponding sales history information is illustrated and provided from the information registration server 2700, when a predetermined information registration program is provided in the window terminal, the user interface may be configured as described above. It does not have to be provided from the information registration server 2700, and thereby the present invention is not limited.

In the following Figures 32a and 32b, the window terminal shown in Figure 27 is referred to as "terminal" for convenience, and the information registration server 2700 shown in Figure 27 is referred to as "server" for convenience, and in the window terminal The purchasing company information and the transaction history information transmitted to the information registration server 2700 are referred to as "sales history information" for convenience.

Referring to FIGS. 32A and 32B, when a predetermined purchasing company prepares and submits a sales history information registration application including at least one purchase company information and transaction history information for automatic collection of payouts, When the teller terminal accesses the server through a predetermined financial network and requests a user interface for automatic payout of the sales price corresponding to the sales history information registration application (3200), while connecting a predetermined communication channel (3200), The server generates a user interface for inputting (or selecting) sales history information including at least one purchase company information and transaction history information corresponding to the sales history information registration application prepared by the purchasing company and transmitting the same to the server. (Or extract) (3205) and access the generated (or extracted) user interface through the financial network. And it outputs the transmission to the terminal (3210).

Thereafter, the terminal inputs (or selects) sales history information including at least one of the purchase company information and the transaction history information through the user interface (3215).

If the sales history information including at least one or more purchase company information and transaction history information is input (or selected) through the user interface (3220), the terminal inputs (or selects) the server to the server through the financial network. In operation 3225, the received sales history information is transmitted.

Thereafter, the server receives and reads sales history information including at least one of the purchase company information and the transaction history information through the financial network to check the validity of the sales history information (3230).

According to an exemplary embodiment of the present invention, the validity check of the sales history information may include at least one ledger information matching the sales history information in the ledger D / B 2900 on a financial system associated with the sales history information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2725 may include a ledger D on a financial system in which the purchasing company information (purchasing company-specific information or member information, etc.) of the information included in the sales history information is linked to the sales history information registration system. It is preferable to include checking whether the / B 2900 matches the customer ledger.

At this time, the validity confirmation unit 2725 checks whether the purchasing company that transmits the sales history information is a purchasing company that has registered payment agreement information for payment through the information registration system shown in FIG. 1 or 6. It is characterized by.

In addition, the validity confirmation of the sales history information is the sales company information (purchase company specific information, member information, etc.) in the transaction history information included in the sales history information ledger on the financial system associated with the sales history information registration system It is preferably made to include matching with the customer ledger stored in the D / B 2900.

At this time, the validity confirming unit 2725 checks whether the selling company is a selling company that has registered loan agreement information for a predetermined loan corresponding to the sale of goods through the information registration system shown in FIG. 11 or 16. It features.

If the validity of the sales information is not authenticated (3235), the server generates predetermined information registration error information and transmits it to the terminal (3240), and does not perform an information registration procedure corresponding to the sales information. Do not.

On the other hand, if the validity of the sales information is authenticated (3235), the server acquires the predetermined image content corresponding to the sales history information registration application prepared by the purchaser through the predetermined image acquisition device in the terminal and the server A user interface for transmitting to the terminal is generated (or extracted) (3245), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (3250).

Thereafter, the terminal acquires image content corresponding to the sales history information registration application through a predetermined image obtaining apparatus based on the user interface (3255).

If image content corresponding to the sales history information registration application is obtained through the image acquisition device (3260), the terminal transmits the obtained image content to the server through the financial network (3265).

The server, which has received the sales history information and the image content from the terminal, generates a predetermined sales history electronic document including the image content in operation 3270.

According to an exemplary embodiment of the present invention, the server stores the image file including the image content received from the information registration terminal 275 through the image receiving unit 2720 as it is for automatic recovery of the selling price of the purchasing company. It is desirable to process the sales history electronic document.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. It is preferable to generate the sales history electronic document for the automatic payout of the image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the information registration terminal 275 through the image receiving unit 2720. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby generating sales details for the automatic payout of the payout. It is desirable to create a document.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. ), Or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a sales history electronic document for automatic payout.

According to another exemplary embodiment of the present disclosure, the server may display the image contents received from the information registration terminal 275 and the sales history information received through the information receiver 2715 through the image receiver 2720. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate a sales history electronic document for the automatic payout.

Alternatively, the server may purchase purchasing company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generating image content including at least one or more of the information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the sales information, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby generating a sales history electronic document for the automatic payout of the payout. It is desirable to.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a sales history electronic document in an image file format or a predetermined document file format, an image file corresponding to the sales history electronic document, or Since you will be familiar with the technical features of the file format for document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated sales electronic document in a predetermined electronic document storage (3275).

As shown in FIG. 27, the electronic document repository includes a predetermined electronic document server 2750 and an electronic document D / B 2770 associated with a server on the sales history information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated sales history electronic document to the electronic document server 2750 through the communication means and stores the electronic document server 2750 in the electronic document D / B 2770.

Alternatively, when the electronic document storage is provided on a DBMS provided in the sales history information registration system, the server may store the generated sales history electronic document in an electronic document storage on a DBMS provided in the sales history information registration system. It is possible to store in the corresponding electronic document D / B 2770, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the sales history electronic document in the electronic document storage is performed by linking the generated sales history electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 27. It is preferable to include storing in / B (2770).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the sales history electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the sales history electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a sales history information registration application corresponding to the image content is prepared, or financial institution information for transmitting the sales history electronic document, or an electronic document file). Format information or sales history information).

If the sales history electronic document is stored in the electronic document repository (3280), the server processes the purchase company information and transaction history information included in the sales history information in a predetermined storage medium (2905) (3285) generate (or extract) predetermined information registration history information (eg, a history of storing the sales history electronic document in the electronic document repository, or a history of storing the sales history information in the storage medium 2905) And transmits it to the terminal (3290).

According to one embodiment of the invention, the storage medium 2905 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system). In this case, the storage medium 2905 may be a ledger D / B 2900 provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B 2900, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 2905 is provided on (or associated with) the sales history information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

33A and 33B illustrate a process of registering sales history information in a face-to-face manner according to another exemplary embodiment of the present invention.

33A and 33B show the information registration terminal 275 on the sales history information registration system shown in FIG. 27, which is a window terminal provided at a branch of a financial institution (or a branch), and the information registration server 2700. Has a ledger server (not shown) function in the financial system associated with the teller terminal through a predetermined financial network, the predetermined purchasing company provides at least one purchase company information and transaction details information for automatic recovery of the selling price. When the sales history information registration application including the above is prepared and submitted, the predetermined window terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, and then through a predetermined information registration interface. Sales history information registration system, sales history information corresponding to the sales history information registration application, the sales history information, etc. When the image content obtained from the application is provided, a predetermined sales history electronic document including the image content is generated and stored in a predetermined electronic document storage, and the purchase company information and transaction history included in the sales history information. An embodiment of the present invention relates to a method of linking information and storing the information in a predetermined storage medium 2905. Specifically, the counter terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image obtaining apparatus. 2 illustrates an implementation method of inputting (or selecting) sales history information corresponding to the sales history information registration application to the information registration server 2700.

Those skilled in the art to which the present invention pertains, various analogous method of registering the sales history information to the information registration server 2700 in the window terminal by referring to or modifying the drawings 33a and 33b. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 33A and 33B.

For example, in the implementation method shown in FIGS. 33A and 33B, the window terminal acquires predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device, or is applied to the sales history information registration application. Although a user interface for inputting (or selecting) corresponding sales history information is illustrated and provided from the information registration server 2700, when a predetermined information registration program is provided in the window terminal, the user interface may be configured as described above. It does not have to be provided from the information registration server 2700, and thereby the present invention is not limited.

In the following Figures 33a and 33b, the window terminal shown in Figure 27 is referred to as "terminal" for convenience, and the information registration server 2700 shown in Figure 27 is referred to as "server" for convenience. The purchasing company information and the transaction history information transmitted to the information registration server 2700 are referred to as "sales history information" for convenience.

Referring to FIGS. 33A and 33B, when a predetermined purchasing company prepares and submits a sales history information registration application including at least one purchase company information and transaction history information for automatic payout of the sales price, When the teller terminal accesses the server through a predetermined financial network and requests a user interface for automatic payout of the sales price corresponding to the sales history information registration application (3300), in response to a predetermined communication channel being connected (3300), The server inputs (or selects) sales history information corresponding to the sales history information registration application prepared by the customer in the terminal, and selects predetermined image contents corresponding to the sales history information registration application through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting to the server (3305); The generated (or extracted) user interface is transmitted to the terminal and output through the network (3310).

Thereafter, the terminal inputs (or selects) sales history information including at least one of the purchase company information and transaction history information through the user interface (3315).

If the sales history information including at least one of the purchase company information and the transaction history information is input (or selected) through the user interface (3320), the terminal uses a predetermined image acquisition apparatus based on the user interface. An image content corresponding to the sales history information registration application is obtained (3325).

If image content corresponding to the sales history information registration application is obtained through the image acquisition device (3330), the terminal transmits the sales history information and image content to the server through the financial network (3335).

Thereafter, the server receives and reads sales history information including at least one of the purchase company information and transaction history information through the financial network to check the validity of the sales history information (3340).

According to an exemplary embodiment of the present invention, the validity check of the sales history information may include at least one ledger information matching the sales history information in the ledger D / B 2900 on a financial system associated with the sales history information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2725 may include a ledger D on a financial system in which the purchasing company information (purchasing company-specific information or member information, etc.) of the information included in the sales history information is linked to the sales history information registration system. It is preferable to include checking whether the / B 2900 matches the customer ledger.

At this time, the validity confirmation unit 2725 checks whether the purchasing company that transmits the sales history information is a purchasing company that has registered payment agreement information for payment through the information registration system shown in FIG. 1 or 6. It is characterized by.

In addition, the validity confirmation of the sales history information is the sales company information (purchase company specific information, member information, etc.) in the transaction history information included in the sales history information ledger on the financial system associated with the sales history information registration system It is preferably made to include matching with the customer ledger stored in the D / B 2900.

At this time, the validity confirming unit 2725 checks whether the selling company is a selling company that has registered loan agreement information for a predetermined loan corresponding to the sale of goods through the information registration system shown in FIG. 11 or 16. It features.

If the validity of the sales information is not authenticated (3345), the server generates predetermined information registration error information and transmits it to the terminal (3350), and does not perform an information registration procedure corresponding to the sales information. Do not.

On the other hand, if the validity of the sales information is authenticated (3345), the server generates a predetermined sales history electronic document containing the image content (3355).

According to an exemplary embodiment of the present invention, the server sells the image file including the image content received from the information registration terminal 275 through the image receiving unit 2720 as it is. It is preferable to process the document.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. It is preferable to generate a sales history electronic document for the [information registration purpose] of the image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 275 through the image receiving unit 2720. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), thereby generating sales details for the automatic payout. It is desirable to create an electronic document.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. ), Or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a sales history electronic document for automatic payout.

According to another exemplary embodiment of the present disclosure, the server may display the image contents received from the information registration terminal 275 and the sales history information received through the information receiver 2715 through the image receiver 2720. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate a sales history electronic document for the automatic payout.

Alternatively, the server may include purchase company information and transaction history information included in the sales history information received through the information receiving unit 2715 in the image content received from the information registration terminal 275 through the image receiving unit 2720. Generating image content including at least one or more of the information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the sales information, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby generating a sales history electronic document for the automatic payout It is desirable to.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a sales history electronic document in an image file format or a predetermined document file format, an image file corresponding to the sales history electronic document, or Since you will be familiar with the technical features of the file format for document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated sales electronic document in a predetermined electronic document storage (3360).

As shown in FIG. 27, the electronic document repository includes a predetermined electronic document server 2750 and an electronic document D / B 2770 associated with a server on the sales history information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated sales history electronic document to the electronic document server 2750 through the communication means and stores the electronic document server 2750 in the electronic document D / B 2770.

Alternatively, when the electronic document storage is provided on a DBMS provided in the sales history information registration system, the server may store the generated sales history electronic document in an electronic document storage on a DBMS provided in the sales history information registration system. It is possible to store in the corresponding electronic document D / B 2770, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the sales history electronic document in the electronic document storage is performed by linking the generated sales history electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 27. It is preferable to include storing in / B (2770).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the sales history electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the sales history electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a sales history information registration application corresponding to the image content is prepared, or financial institution information for transmitting the sales history electronic document, or an electronic document file). Format information or sales history information).

If the sales history electronic document is stored in the electronic document repository (3365), the server processes the purchase company information and transaction history information included in the sales history information in a predetermined storage medium (2905) 3370, generating (or extracting) predetermined information registration history information (eg, a history of storing the sales history electronic document in the electronic document repository, or a history of storing the sales history information in the storage medium 2905) And transmits to the terminal (3375).

According to one embodiment of the invention, the storage medium 2905 is preferably provided in a DBMS on a financial system provided on the sales history information registration system (or associated with the sales history information registration system). In this case, the storage medium 2905 may be a ledger D / B 2900 provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B 2900, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 2905 is provided on (or associated with) the sales history information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

34 is a diagram showing a face-to-face loan application information registration system for a predetermined loan corresponding to the sale of goods by a selling company according to an embodiment of the present invention.

More specifically, FIG. 34 shows a method of selling goods on the basis of a predetermined item sales history provided by the selling company through the sales history information registration system shown in FIG. 21 or 27 in the goods transaction between companies. In order to provide a corresponding predetermined amount of loans to the selling company, the selling company may provide at least one selling company information and loan amount information to the loan application information registration system through a predetermined loan application information registration interface in a non-face-to-face manner. When providing the loan application information to include, the loan application information registration system is a system configuration for storing the information stored in the predetermined storage medium (3430) by linking the sales company information, loan amount information included in the provided loan application information For those of ordinary skill in the art to which the present invention pertains, see FIG. 34 or It will be possible to infer various implementation methods for the configuration of the loan application information registration system for providing the bond loan amount to the selling company by modifying, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implementation method.

Hereinafter, at least one means or function configuration for storing the loan application information provided from the selling company in the storage medium 3430 on the loan application information registration system shown in FIG. 34 through a predetermined loan application information registration interface. The component corresponding to is referred to as "information registration server 3400" for convenience.

Referring to FIG. 34 according to an embodiment of the present invention, a loan application information registration system for providing a predetermined loan corresponding to a selling item of a selling company according to the present invention to the selling company is a wireline used by the selling company. And at least one information registration terminal 3440 including at least one client terminal including at least one terminal or a wireless terminal, and the information registration terminal 3440 is the loan through a predetermined network means. The communication channel is connected to the information registration server 3400 provided on the application information registration system.

According to an exemplary embodiment of the present invention, the selling company accesses the information registration server 3400 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) loan application information for receiving a predetermined loan according to the sale of goods according to the present invention through at least one or more user interfaces provided by the information registration server 3400, the predetermined network means in the client terminal It is preferable to transmit to the information registration server 3400 provided on the loan application information registration system through.

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 mobile Internet, or Motorola's DataTAC method or Erricson's. A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular Terminal connected to the CDMA-based mobile communication network. Cellular; PDC or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) or smart phone (Smart Phone) or Telematics (telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, Or wirelessly 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 information registration server 3400 connected to the client terminal is either one of an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 3400 is 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 connected to the client terminal 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.

The client terminal may output at least one user interface provided by the information registration server 3400, input or select at least one information through the user interface, and transmit the same to the information registration server 3400. 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 3400, etc.) is provided.

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the selling company, and at least one wired network or wireless connecting the client terminal and the information registration server 3400. The network performs a function of a loan application information registration interface for registering loan application information for the seller to receive a predetermined loan corresponding to the sale of goods according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 3440 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution Terminal (or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 3440 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 3400 performs a function of an information registration interface for registering loan application information for the seller to receive a predetermined loan corresponding to the sale of goods according to the present invention, or the information registration terminal. When 3440 is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 3400 may be provided by the selling company. Perform a function of an information registration interface for registering loan application information for receiving a predetermined loan corresponding to the sale of goods according to the present invention; In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the registration terminal 3440, the terminal (or server) (not shown) and the terminal (or server) (not shown) and The network connecting the information registration server 3400 performs a function of an information registration interface for registering loan application information for the seller to receive a predetermined loan corresponding to the sale of goods according to the present invention.

The storage medium 3430 provided on the information registration system according to the present invention associates the sales company information and the loan amount information included in the loan application information provided from the information registration terminal 3440 with a predetermined storage medium. And the loan application information including at least one of the selling company information and the loan amount information stored in the storage medium 3430, and the predetermined loan corresponding to the sale of goods of the selling company. Used to be provided.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face to face financial transaction authentication information for the loan can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information or banking information for the loan. It may include at least one of certificate information, security card information or OTP (One Time Password) generator information.

According to one embodiment of the invention, the storage medium 3430 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 3430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 3430 may include at least one non-face-to-face banking system (eg, an Internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

The information registration server 3400 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 3440 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 3440 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 3400 may A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system; A program included in the server (or device), 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 the financial system. It may be a program provided in the external world of the above, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 3400 is configured to perform the wireless banking. Is a predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 3400 is the telebanking. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided on the system, a program included in the telebanking server, or accessible to the external system of the financial system through the telebanking system. A server provided in an external system on the financial system that is a predetermined server (or device), a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 3440 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 3400 A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program included in the server (or device), 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 the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 3400 is characterized in that it comprises an interface unit 3405 for connecting and managing a predetermined communication channel with the information registration terminal 3440 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 3440 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 3405 may be connected to the wired network or the like. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network and using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide an interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3405 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 3400, the interface unit 3405 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 3440 is a financial automatic device connected to a predetermined financial network, the interface unit 3405 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for 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 embodiment of the present invention, when the information registration terminal 3440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 3405 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 3405 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 3400, the interface unit 3405 may be connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 3405 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 3405 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 3440 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 3405 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 34, the information registration server 3400 interworks with the interface unit 3405 when a predetermined information registration terminal 3440 connects to the information registration server 3400 through the interface unit 3405. Interface providing unit 3410 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan application information from the information registration terminal 3440 to the information registration terminal 3440. ), An information receiving unit 3415 receiving predetermined loan application information transmitted from the information registration terminal 3440 through the user interface (or selected) and linked with the interface unit 3405, and And an information storage unit 3420 for linking the selling company information and the loan amount information included in the received loan application information and storing the information in a predetermined storage medium 3430. The.

The interface providing unit 3410 corresponds to a functional configuration provided in the information registration terminal 3440 when a predetermined information registration terminal 3440 is connected to the information registration server 3400 through the interface unit 3405. Generate (or select) the loan application information to generate a predetermined user interface which can be transmitted to the information registration server 3400 through the network means, or extract from a predetermined database (not shown), The user interface generated in conjunction with the unit 3405 may be provided to the information registration terminal 3440 through the network means.

Thereafter, the information registration terminal 3440 inputs (or selects) loan application information including at least one of the selling company information and the loan amount information based on the user interface, and the input (or selected) loan application. Information is transmitted to the information registration server 3400 through the network.

According to an embodiment of the present invention, when the information registration terminal 3440 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 3410 may include the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3405. Do.

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a financial automation device connected to a predetermined financial network, the interface providing unit 3410 may be a financial transaction related program provided in the financial automation device. 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 automated teller machine through the interface unit 3405.

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 3410 may include 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 3405.

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface study 3410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided to the call, and converts the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 3405. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 3440 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 3410 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 3405. .

When the information receiving unit 3415 inputs (or selects) loan agreement information including at least one of sales company information and loan amount information through the user interface, the information registration terminal 3440 transmits the information through the network means. And the loan application information in connection with the interface unit 3405, and provides the received loan application information to the validity verification unit 3425.

The validity confirming unit 3425 is configured to check whether the loan application information received from the information registration terminal 3440 satisfies the validity for a predetermined loan corresponding to the sale of goods according to the present invention.

According to the implementation method of the present invention, the validity of the loan application information is to check whether at least one ledger information matching the sales company information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to comprise.

If the validity of the loan application information is confirmed, the information storage unit 3420 is characterized in that the storage company (3430) to store the information on the sales company information, loan amount information included in the loan application information in connection with When the storage medium 3430 is provided in the information registration server 3400 or on the network associated with the information registration server 3400, the information storage unit 3420 may receive the loan application information. It is preferable to store the information on the sales company and loan information included in the storage medium (3430) by linking the processing, and when the storage medium (3430) is provided in the DBMS provided on the financial system, the information storage unit The 3420 may provide the sales company information and the loan amount information included in the received loan application information to the information system through the external system on the financial system and store them in a DBMS provided on the financial system. It is preferable.

35 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan for the sale of goods of the selling company according to another embodiment of the present invention to be.

In more detail, in FIG. 35, when the storage medium 3430 illustrated in FIG. 34 is a ledger D / B provided in a DBMS on a financial system, the selling company information and loans are included in the ledger information provided in the ledger D / B. An information structure for an exemplary embodiment of a method for storing loan application information including at least one or more amount of money information is illustrated. If a person of ordinary skill in the art belongs to the present disclosure, the present invention may be referred to or modified with reference to FIG. Various information construction methods for storing the loan application information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 35 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that there is a specific technical matters, and detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Passbook number, interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transaction number, interest transfer account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 35, the loan application information provided through the loan application information registration system shown in FIG. 34 may be stored in the form of additional information added to the account ledger. And at least one loan amount information.

The selling company information may include at least one of a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

Referring to Fig. 35 according to the embodiment of the present invention, the loan application information is stored in the form of information included in the account ledger (not shown), or added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

36 is a loan application information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention Figure is a diagram.

More specifically, FIG. 36 shows an information structure of an embodiment in which the storage medium 3605 shown in FIG. 34 is stored in a predetermined database linked to the ledger D / B 3600 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 36 to process the loan application information in a predetermined database in association with the ledger D / B 3600. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 36 shows that it is not easy to store the loan application information in the ledger information of the ledger D / B 3600 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B (3600) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the loan application information is stored in a predetermined database instead of the ledger D / B (3600), The implementation method of linking and storing a database and the ledger D / B 3600 is illustrated.

In addition, the database shown in FIG. 36 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 36, and the database on the information registration system or the Internet banking 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 telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 36, the database stores and stores the selling company information and the loan amount information included in the loan application information, and the loan application information is linked with the ledger D / B 3600. In order to be processed, the loan application information may further include a CIF number corresponding to the ledger information.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face-to-face financial transaction authentication information for the loan service can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be used for a predetermined loan service corresponding to the sale of the goods. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information.

37 is a view showing the configuration of the loan application information stored in the DBMS provided in the banking server in a non-face-to-face for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention.

More specifically, FIG. 37 shows a DBMS in which the storage medium 3605 shown in FIG. 34 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention pertains, loans are stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 37 Although it is possible to infer an information construction method for agreement information, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 37, a predetermined DBMS provided in the banking server may store and store the selling company information and the loan amount information included in the loan application information of the selling company.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face-to-face financial transaction authentication information for the loan service can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be financed for a predetermined loan corresponding to the article sale. It is preferable to include at least one or more banking ID / PW information or authorized certificate information or security card information or OTP (One Time Password) generator information for the service.

38 is a diagram illustrating a process of registering loan application information in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIG. 38 shows a case in which the information registration server 3400 on the information registration system shown in FIG. 34 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 3400 and connecting the communication channel for registration of loan application information according to the present invention, at least one of the selling company information, loan amount information to the information registration server 3400 through the communication channel If the loan application information including the above is transmitted, the information registration server (3400) in the process of storing the information on the sales company information, loan amount information included in the received loan application information in connection with the predetermined storage medium (3605) As described above, those of ordinary skill in the art to which the present invention pertains may refer to or modify the Although it may be possible to infer various implementation methods for registering the loan application information from the client terminal to the information registration server 3400, the present invention includes all the implementation methods inferred, and the implementation method illustrated in FIG. It is not limited.

In FIG. 38, the client terminal shown in FIG. 34 is referred to as " terminal " for convenience, and the information registration server 3400 shown in FIG. 34 is referred to as " server " for convenience. The selling company information and the loan amount information transmitted to the server 3400 are referred to as "loan application information" for convenience.

Referring to FIG. 38, when the client terminal shown in FIG. 34 is a predetermined network means (e.g., the client terminal is a wired terminal 3450), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 3445. Is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet, etc., to connect a predetermined communication channel for registering the loan application information, and to correspond to the sale of goods of the selling company. When requesting to register the loan application information for a loan of (3800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the loan application information (3805), and the communication channel The generated (or extracted) web page is transmitted to the terminal through the output (3810).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) loan application information including at least one of the selling company information and the loan amount information in the terminal.

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

Thereafter, the terminal inputs (or selects) loan application information including at least one of selling company information and loan amount information through the information registration interface (3815).

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

Thereafter, the server receives and reads loan application information including at least one of the selling company information and the loan amount information through the communication channel to confirm the validity of the loan application information (3830).

According to the method of the present invention, the validity of the loan application information is registered at least one or more ledger information matching the selling company information in the ledger D / B (3600) on the financial system associated with the information registration system It is preferable to include checking whether there is.

If the validity of the loan application information is not authenticated (3835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (3840), and information corresponding to the loan application information. Do not perform the registration process.

On the other hand, if the validity of the loan application information is authenticated (3835), the server performs the information registration procedure corresponding to the loan application information, thereby obtaining loan application information including at least one of the sales company information, loan amount information Cooperative processing is performed to store in a predetermined storage medium (3605) (3845).

According to one embodiment of the invention, the storage medium 3605 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 3605 may be a ledger D / B 3600 provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B 3600, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3605 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on the wireless banking system, or TV banking system, etc.), 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 (3850), thereby completing the procedure of registering the loan application information transmitted from the terminal.

39 is a diagram illustrating a face-to-face loan application information registration system for a predetermined loan corresponding to the sale of goods by a selling company according to another embodiment of the present invention.

More specifically, FIG. 39 is a chart illustrating a process of selling goods between companies based on a predetermined item sales history provided by a selling company through a sales history information registration system shown in FIG. 21 or 27 in a goods transaction between companies. In order to provide a corresponding predetermined loan amount to the selling company, the selling company includes at least one selling company information and loan amount information to the loan application information registration system through a predetermined loan application information registration interface. When the information is provided, the loan application information registration system is a system configuration for storing in a predetermined storage medium 3930 by linking and processing the sales company information, loan amount information included in the provided loan application information, the present invention Those skilled in the art may refer to or modify the drawing of FIG. Various implementation methods for constructing a loan application information registration system for providing a bond loan amount to a selling company may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. It is not limited.

Hereinafter, at least one means or function configuration for storing the loan application information provided from the selling company in the storage medium 3930 on the loan application information registration system shown in FIG. 39 through a predetermined loan application information registration interface. The component corresponding to is referred to as "information registration server 3900" for convenience.

Referring to FIG. 39 according to an embodiment of the present invention, a loan application information registration system for lending a sale item of a selling company according to the present invention includes a window terminal 3945 provided at at least one financial institution branch. Characterized in that it comprises an information registration terminal 3940, the information registration terminal 3940 is a communication channel with the information registration server 3900 provided on the loan application information registration system through a predetermined financial network This is connected.

According to an embodiment of the present invention, the selling company (including a client authorized to receive, prepare, or transmit an application for a predetermined loan of the selling goods from the selling company) may sell the selling goods according to the present invention. Visit the financial institution branch for automatic payment (e.g., loan, etc.), and apply for a loan (for example, through a teller) at the financial institution branch for a loan of goods sold (e.g., A document having a form for filling in at least one item of information for a loan on a sale item) and submitting the completed application to the teller, the teller through the predetermined teller terminal 3945 The information entered in the application is input (or selected), and the teller terminal 3945 transmits the input (or selected) information through the financial network. It is preferable to transmit to the information registration server 3900 provided on the loan application information registration system.

Here, the window terminal 3945 preferably includes a manager terminal used by a teller staff provided at the branch of the financial institution, and the information registration server 3900 connected to the window terminal 3945 may include the predetermined finance. It may include a ledger server provided on the system, the financial network connecting the teller terminal 3945 and the information registration server 3900 is a communication channel between the teller terminal 3945 and the information registration server 3900 It can be made, including the network to connect the.

In the information registration system as described above, the financial network connecting the application form prepared by the sales company, the teller terminal 3945 and the teller terminal 3945 and the information registration server 3900 used by the teller employee is The selling company performs a function of an information registration interface for registering loan application information for automatic collection of payouts (eg, a loan, etc.) for sales goods according to the present invention.

The storage medium 3930 provided on the information registration system according to the present invention stores the predetermined information by linking the selling company information and the loan amount information included in the loan application information provided from the information registration terminal 3940. And the loan application information including at least one of the selling company information and the loan amount information stored in the storage medium 3930, for storing the goods of the selling company according to the present invention. It is used for certain loans.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be used to manage loans corresponding to the sale of goods. For non-face-to-face financial transaction authentication information may be included.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be ID / PW information for banking for the loan operation or It may include at least one of the authentication certificate information or security card information or OTP (One Time Password) generator information.

According to one embodiment of the invention, the storage medium 3930 is preferably provided in the DBMS on the financial system provided on the loan application information registration system (or associated with the loan application information registration system), At this time, the storage medium 3930 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3930 is at least one non-face-to-face banking system (eg, Internet banking system, or telebanking system) provided on (or associated with) the loan application information registration system. Or a DBMS on a wireless banking system, a TV banking system, or the like), whereby the present invention is not limited thereto.

The information registration server 3900 provided on the loan application information registration system according to the present invention is a generic term for the loan application information registration system-side components connected to the information registration terminal 3940 through a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 3940 is a window terminal 3945 connected to a predetermined financial network, the information registration server 3900 is the window terminal 3945 through a predetermined financial network. Ledger server provided on the financial system connected to), or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, whereby the present invention It is not limited.

According to an exemplary embodiment of the present invention, the information registration server 3900 includes an interface unit 3905 for connecting and managing a predetermined communication channel with the information registration terminal 3940 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 3940 is a window terminal 3945 connected to a predetermined financial network, the interface unit 3905 is based on the protocol stack defined in the financial network. Connect a communication terminal and a predetermined communication channel, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 3945. It is desirable to.

Referring to FIG. 39, the information registration server 3900 interworks with the interface unit 3905 when a predetermined information registration terminal 3940 accesses the information registration server 3900 through the interface unit 3905. Interface providing unit 3910 that generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan application information from the information registration terminal 3940 to the information registration terminal 3940. ), An information receiving unit 3915 for receiving predetermined loan application information transmitted from the information registration terminal 3940 through the user interface and inputting (or selecting) in connection with the interface unit 3905, and the reception. Validation unit (3925) for verifying the validity of the loan application information, and the sales company information, loan amount information included in the loan application information confirmed the validity is determined by linking Characterized in that formed in an information storage unit (3920) for storing in the storage medium (3930).

The interface providing unit 3910 corresponds to a functional configuration provided in the information registration terminal 3940 when a predetermined information registration terminal 3940 is connected to the information registration server 3900 through the interface unit 3905. Generate (or select) the loan application information to generate a predetermined user interface which can be transmitted to the information registration server 3900 through the financial network, or extract from a predetermined database (not shown), The user interface generated in conjunction with the unit 3905 may be provided to the information registration terminal 3940 through the financial network.

Subsequently, the information registration terminal 3940 inputs (or selects) loan application information including at least one of the selling company information and the loan amount information based on the user interface, and the input (or selected) loan application. Information is transmitted to the information registration server 3900 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 3940 is a window terminal 3945 connected to a predetermined financial network, the interface provider 3910 may provide a financial transaction provided in the window terminal 3945. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the window terminal 3945 through the interface unit 3905.

The information receiving unit 3915 inputs (or selects) loan application information including at least one of the selling company information and the loan amount information through the user interface from the information registration terminal 3940 and transmits the same through the financial network. In this case, the loan application information is received in cooperation with the interface unit 3905, and the received loan application information is provided to the validity verification unit 3925.

The validity confirming unit 3925 is configured to check whether the loan application information received from the information registration terminal 3940 satisfies the validity for the loan of the goods sold by the selling company.

According to the implementation method of the present invention, the validity of the loan application information is to check whether at least one ledger information matching the sales company information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to comprise.

When the validity of the loan application information is confirmed, the information storage unit 3920 is configured to store and store the information on the sales company information and loan amount information included in the loan application information in the storage medium 3930. When the storage medium 3930 is provided in the information registration server 3900 or on the network associated with the information registration server 3900, the information storage unit 3920 may provide the received loan application information. It is preferable to store the information on the sales company and loan information contained in the storage medium 3930 in association with the storage medium, if the storage medium 3930 is provided in the DBMS provided on the financial system, the information storage unit 3920 may provide the selling company information and the loan amount information included in the received loan application information to the information system through the external system on the financial system and store them in a DBMS provided on the financial system. It is preferable.

40 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan corresponding to the goods sold by the selling company according to another embodiment of the present invention .

In more detail, in FIG. 40, when the storage medium 3930 shown in FIG. 39 is the ledger D / B provided in the DBMS on the financial system, the selling company information and the billing information are included in the ledger information provided in the ledger D / B. An information structure for an implementation method in which loan application information including at least one or more of account information, contract limit information, and contract term information is stored is shown. If a person having ordinary knowledge in the technical field to which the present invention belongs, Although various information construction methods for storing the loan application information in the ledger D / B may be inferred by referring to or modifying the drawing 40, the present invention includes all the inferred implementation methods, It is not limited only to the implementation method.

Referring to FIG. 40 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the account ledger shown in FIG. 40, B further includes at least one ledger (e.g., loan ledger, secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration 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, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Account number, transaction number, date, store number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, brief, CIF, etc. This includes transaction details.

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

Referring to FIG. 40, the loan application information provided through the loan application information registration system shown in FIG. 39 may be stored in the form of additional information added to the account ledger. And at least one loan amount information.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

Referring to FIG. 40 according to the method of the present invention, the loan application information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 41 is a loan application stored in a database associated with the ledger D / B (4100) provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan corresponding to the sale of goods of the selling company according to another embodiment of the present invention It is a figure which shows an information structure.

More specifically, FIG. 41 is an information structure for an exemplary method in which the storage medium 3930 illustrated in FIG. 39 is stored in a predetermined database linked to the ledger D / B 4100 included in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 4 and store the loan application information in a predetermined database in association with the ledger D / B 4100. Various information configuration methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 41, when it is not easy to store the loan application information in the ledger information of the ledger D / B 4100 on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D of the DBMS). / B (4100) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the loan application information is stored in a predetermined database instead of the ledger D / B (4100), and The implementation method of linking and storing a database and the ledger D / B 4100 is illustrated.

In addition, the database shown in FIG. 41 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 41, and the database on the information registration system or Internet banking is in accordance with 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 telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 41, the database may store and store the selling company information and the loan amount information included in the loan application information, and the loan application information may be linked to the ledger D / B 4100. It may be made by further including a CIF number corresponding to the ledger information in the loan application information.

The selling company information may include at least one of a selling company name, a business registration number, a representative, a business status, a business type, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the selling company information is non-face-to-face banking for the loan operation. Non-face-to-face financial transaction authentication information for the service may be included.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may be ID / PW information for banking for the loan operation or It is preferable to include at least one or more authentication certificate information or security card information or OTP (One Time Password) generator information.

42 is a view showing the configuration of loan application information stored in the DBMS provided in the banking server in a face-to-face manner for a predetermined loan for the sale of goods of the selling company according to another embodiment of the present invention.

More specifically, FIG. 42 shows a predetermined banking server in which the storage medium 3930 illustrated in FIG. 39 is provided on an information registration system, an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the DBMS provided in the present invention, those skilled in the art to which the present invention belongs, a predetermined DBMS provided in at least one or more banking server by referring to or modifying this drawing 42 It will be possible to infer the information configuration method for the loan application information stored in the present invention, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 42, a predetermined DBMS provided in the banking server is configured to store and store sales company information, loan account information, contract limit information, and contract term information included in the loan application information.

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information may be included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. Non-face to face financial transaction authentication information for the loan can be made.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include banking for a predetermined loan corresponding to the sale of the goods. It is preferable to include at least one or more ID / PW information or authentication certificate information or security card information or OTP (One Time Password) generator information.

43 is a diagram illustrating a process of registering loan application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 43 shows that the information registration server 3900 on the information registration system shown in FIG. 39 has a ledger server (not shown) function on the financial system linked to the counter terminal 3945 through a predetermined financial network. In one case, the counter terminal 3945 connects to the information registration server 3900 and connects a communication channel for registering loan application information of a sales company according to the present invention, and then the information through the communication channel. When the loan application information including at least one of the selling company information and the loan amount information is transmitted to the registration server 3900, the selling company information and the loan amount included in the received loan application information are received from the information registration server 3900. An embodiment of the present invention relates to a method of linking and storing information in a predetermined storage medium 3930. Those skilled in the art may refer to FIG. Although it may be modified to infer various implementation methods for registering the loan application information from the teller terminal 3945 to the information registration server 3900, the present invention includes all the implementation methods inferred, this figure It is not limited to the implementation method shown in 43.

In the following figure 43, the window terminal 3945 shown in FIG. 39 is referred to as "terminal" for convenience, and the information registration server 3900 shown in FIG. 39 is called "server" for convenience, and the window terminal ( Information including at least one of the selling company information, the loan account information, the contract limit information, and the contract term information transmitted to the information registration server 3900 in 3945 is referred to as "loan application information" for convenience.

Referring to FIG. 43, a window terminal 3945 shown in FIG. 39 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the loan application information, and supplies the goods of the selling company. When requesting the loan application information registration for a predetermined loan corresponding to the sale (4300), the server generates (or extracts) a predetermined information registration interface for registering the loan application information (4305), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal through a channel (4310).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) loan application information including at least one of the selling company information and the loan amount information in the terminal.

Thereafter, the terminal inputs (or selects) loan application information including at least one or more selling company information and loan amount information through the information registration interface (4315).

The selling company information may include at least one selling company name, a business registration number, a representative, a business status, a business category, a company classification (for example, a large company, a medium company, a small company, etc.), a contact person, a person in charge, and a person in charge of the person in charge. .

The loan amount information, characterized in that the purchase company comprises information on the loan amount that the selling company applies within the range of sales history registered through the information registration system shown in Figure 21 or 27 do.

In addition, the selling company information preferably comprises the customer ID information and password registered in the financial system in which the loan account is opened.

According to an embodiment of the present invention, when the selling company subscribes to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information is a non-face-to-face banking system subscribed to by the selling company. It is preferable that the non-face-to-face financial transaction authentication information corresponding to the.

For example, when the selling company subscribes to the Internet banking system operated by the financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include the ID / PW information or the authentication certificate information or the security card information for the Internet banking or At least one OTP (One Time Password) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the selling company information may be predetermined to correspond to the sale of the goods. It is desirable to include non-face-to-face financial transaction authentication information for the loan.

For example, when the selling company does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the loan account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information for banking for the loan or It is preferable to include at least one or more authentication certificate information or security card information or OTP (One Time Password) generator information.

If the terminal inputs (or selects) loan application information including at least one of the selling company information and the loan amount information through the information registration interface (4320), the terminal inputs the input (or The loan application information including at least one selected seller information, loan account information, contract limit information, and contract term information is transmitted to the server (4325).

Thereafter, the server receives and reads the selling company information and the loan amount information through the financial network to check the validity of the loan application information (4330).

According to the method of the present invention, at least one or more ledger information matching the selling company information is registered in the ledger D / B 4100 on the financial system associated with the information registration system. It is preferable to include checking whether there is.

If the validity of the loan application information is not authenticated (4335), the server generates predetermined information registration error information and transmits it to the terminal (4340), and does not perform an information registration procedure corresponding to the loan application information. Do not.

On the contrary, if the validity of the loan application information is authenticated (4335), the server performs an information registration procedure corresponding to the loan application information, thereby linking the selling company information and the loan amount information to a predetermined storage medium 4105. (4345).

According to one embodiment of the invention, the storage medium 4105 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 ( 4105 may be a ledger D / B 4100 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 4100, whereby the present invention is not limited thereto.

According to another method of the present invention, the storage medium 4105 may include at least one non-face-to-face banking system (eg, an internet banking system or a telebanking system) provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on a wireless banking system, or a TV banking system, etc., whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (4350), thereby completing the procedure of registering the loan application information transmitted from the terminal.

44 is a diagram showing a payment processing system for the automatic recovery of the selling price of the selling company according to the embodiment of the present invention.

More specifically, in Figure 44, the sales company agreement information for requesting the automatic payment of the sales price is registered through the sales company information registration system shown in FIG. 1 or 6, and the purchasing company shown in FIG. 11 or 16 is registered. After the purchase company information for purchasing a predetermined item from the sales company is registered through the information registration system, sales history information is received from the sales company through the sales history information registration system shown in FIG. 21 or 21, When the selling company applies for a predetermined loan (for example, credit loan loan, etc.) through the loan application information registration system shown in FIG. 34 or 39, the bond transfer of the purchase history (sale history) of the purchasing company And a system for retrieving the selling price of the selling company by processing the loan requested by the selling company upon approval. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the payment settlement system for automatic recovery of the payout of the selling company may be inferred by referring to or modifying the drawing 44. In addition, the present invention includes all the implementation methods inferred above, and specifies that the technical features are not limited only to the method shown in FIG. 44.

Referring to FIG. 44 in accordance with an embodiment of the present invention, the billing system includes FIG. 1 (or FIG. 6) or FIG. 11 (or FIG. 16) or FIG. 21 (or FIG. 27) or FIG. 34 (or FIG. 39). A financial system interoperating with at least one information registration system shown in FIG. 2, a storage medium 4440 for storing stored information stored (or received or generated) through the at least one information registration system, and associated with the financial system. By using the storage information stored in the storage medium (4440) characterized in that it comprises a payment processing server (4400) for performing the automatic payment processing of the sales price according to the present invention.

Here, the storage medium 4440 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

Further, the payment processing server 4400 registers at least one or more information shown in FIG. 1 (or 6) or 11 (or 16) or 21 (or 27) or 34 (or 39). It may be a server on the system, or may be a separate server that performs the payout process for the automatic recovery of the payout of the purchasing company, whereby the present invention is not limited.

In addition, in FIG. 44, the payment processing server 4400 performs payment processing for automatic recovery of the selling price of the selling company based on at least one or more storage information stored in the storage medium 4440 in association with the financial system. Although illustrated as including all the functional configuration to perform, it is apparent that the present invention is not limited to this, and the bill processing server 4400 can be made through a separate server (or device) for each functional configuration. Two are.

The financial system is a general term for the computer system in which the accounts of the selling company and the buying company are opened. Basically, the financial system includes at least one window terminal and a predetermined financial network provided at a branch (or a branch or a main branch) of the financial institution. For example, it is characterized in that the connection through the network, and provides a financial transaction service of the face-to-face manner for at least one or more financial transaction customers through the window terminal.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) 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). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server 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 mobile terminal).

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

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 call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal and / or smart) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more appliances (eg, digital TV and / or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 44, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing 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 At least one common network (eg, CD common network, financial common network) is characterized in that it comprises an external system that provides a variety of financial transaction interfaces, the financial system is interfacing between components in the financial system Interface module corresponding to the middleware platform that provides the data, and stores the predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database to be managed.

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 at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional 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, detailed description thereof will be omitted for convenience.

The storage medium 4440 may include at least one information registration system shown in FIG. 1 (or 6) or 11 (or 16) or 21 (or 27) or 34 (or 39). As a general term of storage means for storing the storage information received (or obtained or processed or generated), the storage medium 4440 is provided in the ledger D / B on the financial system, or the ledger D according to the intention of the skilled person It may be provided in a predetermined database associated with / B, or on at least one banking system.

Referring to FIG. 44, the payment processing server 4400 may include a limit setting unit 4415 for setting a limit on the credit amount survey and the loan amount for a purchasing company that purchases a predetermined item from the selling company, and In connection with the information processing unit 4420 and the financial system and storage medium 4440 for transmitting the bond transfer information for the loan of the seller to the purchaser, and receives the acceptance information for the bond transfer from the purchaser And an information checking unit 4410 which confirms the storage information related to the purchasing company and the selling company stored in the ledger D / B or the storage medium 4440 on the financial system, and the predetermined information to the selling company based on the identified information. It comprises a loan processing unit 4405 for providing a loan.

In addition, according to an embodiment of the present invention, the payment processing server 4400 automatically withdraws the loan repayment of the selling company from the account of the buying company on the bond maturity date to settle the purchase price of the buying company. And a payment processing unit, an information storage unit 4430 for storing the loan processing details and payment processing details, and an information transmitting unit 4435 for transmitting the loan processing details and payment processing details to the selling company or the purchasing company. Can be configured.

According to the present invention, each functional component provided in the price processing server 4400 may be composed of at least two or more functional components (or means) according to the intention of the person skilled in the art, and the present invention is not limited thereto. .

The limit setting unit 4415 registers the payment agreement information of the purchasing company that purchased the predetermined goods from the selling company through the purchasing company information registration system shown in FIG. Alternatively, after the sales company loan application information for requesting a predetermined loan corresponding to the sales history according to the present invention is registered through the sales company information registration system shown in FIG. 6, the sales history information shown in FIG. 21 or 27 is shown. When predetermined sales history information is transmitted from the sales company through a registration system, confirming the transmitted sales history information, confirming the purchasing company information included in the sales history, and confirming the credit level of the confirmed purchasing company It is characterized by.

According to the method of the present invention, the credit rating of the purchasing company refers to the credit information of the purchasing company previously stored in the financial system, or the credit rating of the purchasing company from an external credit rating agency linked with the payment processing server 4400. Information can be obtained and confirmed.

In addition, the limit setting unit 4415 may set a loan limit corresponding to the checked purchaser credit information.

The information processing unit 4420 checks the purchase company information included in the sales history information when predetermined sales history information is transmitted from the sales company through the sales history information registration system shown in FIG. 21 or 27. And generating bond transfer information on bonds according to the sale of goods of the selling company, and requesting acceptance of the transfer of bonds by transmitting bond transfer information generated to the purchasing company.

In addition, the information processing unit 4420, characterized in that receiving the bond transfer acceptance information for the bond transfer from the purchase company, with reference to the received bond transfer acceptance information, the date of confirmation of the bond transfer acceptance letter Characterized in that the check.

The information verification unit 4410 may provide a loan application through a loan application information registration system shown in FIG. 34 or 39 before the bond expires. When received (e.g., credit loans, etc.), the loan application amount is checked with reference to the loan application information provided by the selling company, and whether the confirmed loan application amount is included in the sales history sent by the selling company. And determining whether it meets the loan limit set by the limit setting unit 4415.

According to the method of the present invention, the information checking unit 4410 further checks the repayment period and the like of the credit bond loan.

The loan processing unit 4405, after the loan application information of the selling company is confirmed through the information checking unit 4410, deposits the loan amount applied by the selling company into the account of the selling company. do.

The payment processing unit 4425 periodically checks the loan repayment period of the loan receivable, and when the loan repayment period is reached, withdraws the loan repayment amount from the account of the purchasing company, and repays the credit receivable of the selling company. Characterized in processing the repayment for the loan.

The information storage unit 4430 may deposit the loan amount applied by the selling company to the account of the selling company through the loan processing unit 4405 and perform the loan processing. It is characterized in that for storing in the storage medium (4440) in association with.

In addition, the information storage unit 4430, withdraws the loan repayment amount from the account of the purchasing company through the payment processing unit, when the repayment for the credit bond loan of the selling company is performed, the purchase of the repayment processing details It is characterized by storing in the storage medium (4440) in association with the company information (or purchasing company information and sales company information).

45 is a view showing a billing process for the automatic recovery of the selling price of the selling company according to the embodiment of the present invention.

More specifically, in FIG. 45, the selling company information requesting the automatic payment of the selling price is registered through the selling company information registration system shown in FIG. 1 or 6, and the purchasing company information shown in FIG. After the purchase company information which performs a predetermined goods transaction from the selling company through the registration system is registered, the sales history information is received from the selling company through the sales history information registration system shown in FIG. 21 or 21, Acquiring the transfer acceptance information for the predetermined bonds generated for the sale of goods of the selling company from the purchasing company, and before the maturity date of the bond, the selling company through the loan application information registration system shown in FIG. 34 or 39 In the case of applying for the predetermined loan (eg, credit loan, etc.), it is within the sales history provided by the selling company. The process of processing the loan requested by the selling company, and automatically withdraws the loan of the selling company from the account of the purchasing company on the bond maturity date to settle the purchase price, which is common in the technical field to which the present invention belongs. Those skilled in the art will be able to infer various implementation methods for the payment settlement process for automatic recovery of the payout of the selling company by referring to or modifying the drawing 45. However, the present invention provides a method for implementing all the inferred implementation methods. It is made, including, it is noted that the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in this drawing 45, the bill processing server 4400 shown in drawing 44 will be referred to as "server" for convenience.

Referring to FIG. 45, in the illustrated embodiment, the selling company loan agreement information for requesting automatic payout of the selling price through the selling company information registration system shown in FIG. 1 or 6 is processed in association with the selling company information and stored in the storage medium. 4400, and receives the purchase company information purchased from the sales company through the purchase company information registration system shown in FIG. 11 or 16, and stores the received company information in the storage medium 4440. 4505.

Then, the server confirms the purchasing company information included in the sales history, and confirms the credit rating of the confirmed purchasing company.

Here, the credit rating of the purchasing company may refer to credit information of the purchasing company previously stored in the financial system, or may obtain and verify credit information of the buying company from an external credit rating agency linked with the server.

In addition, the server sets a loan limit corresponding to the checked purchaser credit information (4510).

Subsequently, when sales history information transmitted from the sales company through the sales history information registration system illustrated in FIG. 21 or 27 is stored in the storage medium 4440 (4515), the server includes the sales history information. After confirming the purchase company information, the bond history of the goods transaction between the buying company and the selling company is transmitted to the buying company, and the bond history is posted (4520).

In addition, the server generates bond transfer information according to the goods transaction between the purchasing company and the selling company and transmits the bond transfer information to the purchasing company to request acceptance of the bond transfer (4525), and for the bond transfer from the purchasing company When the acceptance information is received (4530), through the loan application information registration system shown in FIG. 34, the loan processing based on the loan application information provided from the sales company is performed (4535).

Thereafter, the server periodically checks the maturity date of the bond (4540), and if the bond maturity is reached (4545), it checks an account (eg, a purchase payment account) registered by the purchasing company, and the confirmed The loan amount of the selling company is withdrawn from the purchasing company account (4550), and the repayment of the loan amount of the selling company is processed (4555).

In addition, the server stores the loan payment reimbursement details in association with the purchasing company information and / or the selling company information in the storage medium 4440 (4560).

According to the present invention, it is possible to secure the competitive edge of the electronic method daedae through the alternative product, thereby bringing an increase in the electronic payment performance and expansion of the transaction base.

In addition, there is an advantage that the business process can be improved by computerizing the sales company agreement (for example, partner company registration, credit agreement, etc.).

Claims (4)

Payment agreement information including purchase company information, payment account information, contract limit information, contract term information, and sales company information corresponding to a predetermined seller, loan account corresponding to a predetermined purchase company in a predetermined information registration means Cooperatively processing loan agreement information including information, agreement limit information, and agreement term information and storing the information in a predetermined storage medium; Receiving sales history information including sales company information and transaction history information for automatic sales payout provided from the sales company in a predetermined information receiving means; Setting a limit on the loan amount of credit and the loan amount for the purchasing company that purchased the predetermined goods from the selling company in a predetermined limit setting means; Transmitting bond transfer information for the loan of the selling company to the buying company in a predetermined information processing means, and receiving acceptance information on the bond transfer from the buying company; Confirming storage information related to the purchasing company and the selling company in connection with the storage medium in a predetermined loan processing means, and providing a predetermined loan to the selling company based on the identified information; Loan processing method characterized in that. The method of claim 1, Automatically withdrawing a loan repayment of the selling company from the account of the buying company in a predetermined payment processing means and paying the purchase price of the buying company; Storing the loan processing details and payment processing details in a predetermined information storing means; And And transmitting the loan processing details and payment processing details to the selling company or the purchasing company by a predetermined information transmitting means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Payment contract information including purchase company information, payment account information, contract limit information, contract term information, and sales company information corresponding to a predetermined purchase company, loan account information, contract limit information, Information registration means for linking and processing loan agreement information including contract period information in a predetermined storage medium; Information receiving means for receiving sales history information including sales company information and transaction history information for the automatic payout of the sales price provided from the selling company; Limit setting means for setting a limit on a credit check and a loan amount of a purchase company that has purchased a predetermined article from the selling company; Information processing means for transmitting bond transfer information for the loan of the selling company to the purchasing company and receiving acceptance information for the bond transfer from the purchasing company; Loan processing means for identifying the storage information associated with the purchaser and the selling company in connection with the storage medium, and provides a predetermined loan to the selling company based on the identified information; Processing system.
KR1020070052394A 2007-05-29 2007-05-29 System and method for processing loan and program recording medium KR20090001948A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9442488B2 (en) 2012-09-21 2016-09-13 Irobot Corporation Proximity sensing on mobile robots
KR20190061265A (en) 2017-11-27 2019-06-05 신근영 Distributed guarantee loan and credit investment system

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9442488B2 (en) 2012-09-21 2016-09-13 Irobot Corporation Proximity sensing on mobile robots
KR20190061265A (en) 2017-11-27 2019-06-05 신근영 Distributed guarantee loan and credit investment system

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