KR20090002049A - System and method for registering cuppon with account - Google Patents

System and method for registering cuppon with account Download PDF

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Publication number
KR20090002049A
KR20090002049A KR1020070054323A KR20070054323A KR20090002049A KR 20090002049 A KR20090002049 A KR 20090002049A KR 1020070054323 A KR1020070054323 A KR 1020070054323A KR 20070054323 A KR20070054323 A KR 20070054323A KR 20090002049 A KR20090002049 A KR 20090002049A
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KR
South Korea
Prior art keywords
information
online account
account
customer
rechargeable
Prior art date
Application number
KR1020070054323A
Other languages
Korean (ko)
Inventor
정종필
Original Assignee
주식회사 신한은행
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Priority to KR1020070054323A priority Critical patent/KR20090002049A/en
Publication of KR20090002049A publication Critical patent/KR20090002049A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

An account coupling coupon registration method for providing double discount and a system for the same are provided to give the double discount by applying value corresponding to all kinds of the discount coupons. An account coupling coupon registration system for providing double discount comprises a coupon information receiving part receiving coupon information from a plurality of member store client terminals and providing a coupon registration screen(or, the window) to a plurality of member store client terminals, a coupon information storing part storing the collected coupon information in a predetermined storage media after classifying into the coupon registration member store industrial classification or the coupon classification, a coupon information informing part(3215) receiving the coupon selection information of client and a coupon information storing part(3225) storing registering the coupon information and storing it in a storage.

Description

System and Method for Registering Cuppon with Account}

1 is a diagram illustrating a prepaid card type rechargeable online account registration system according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of the charging online account ledger information according to an embodiment of the present invention.

3 is a diagram showing the configuration of the chargeable online account ledger information according to another embodiment of the present invention.

4 is a diagram illustrating a configuration of a rechargeable online account ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

7 is a diagram illustrating a process of processing a rechargeable online account as a rechargeable prepaid card according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for a rechargeable online account according to one embodiment of the present invention.

9 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

10 is a diagram illustrating a virtual account type rechargeable online account registration system according to another embodiment of the present invention.

11 is a view showing the configuration of the chargeable online account ledger information according to an embodiment of the present invention.

12 is a view showing the configuration of the charging online account ledger information according to another embodiment of the present invention.

13 is a view showing the configuration of a rechargeable online account ledger information according to another embodiment of the present invention. Figure 14 is a charge for opening a rechargeable online account and operating in the form of a virtual account according to an embodiment of the present invention. Is a diagram illustrating an information providing process for processing an online account.

15 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in a virtual account form according to another exemplary embodiment of the present invention.

16 is a diagram illustrating a process of processing a rechargeable online account into a virtual account according to an embodiment of the present invention.

17 is a diagram illustrating a real name verification process for a rechargeable online account according to an embodiment of the present invention.

18 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

19 is a diagram illustrating a value type online account registration system according to an embodiment of the present invention.

20 is a diagram illustrating the configuration of value-based online ledger information according to an embodiment of the present invention.

21 is a diagram illustrating an information providing process for registering a value type online account according to one embodiment of the present invention.

22 is a diagram illustrating an information providing process for registering a value type online account according to another exemplary embodiment of the present invention.

23 is a diagram illustrating a value-based online account registration process according to the first embodiment of the present invention.

24 is a diagram illustrating a value-based online account registration process according to the second embodiment of the present invention.

25 is a diagram illustrating a value-based online account registration process according to a third embodiment of the present invention.

26 is a diagram illustrating a value-based online account registration process according to a fourth embodiment of the present invention.

FIG. 27 is a diagram illustrating a card issuing system for issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

29 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to another embodiment of the present invention.

30 is a view showing a coupon information registration system for providing a plurality of merchant coupons to a plurality of customers according to an embodiment of the present invention.

31 is a diagram illustrating a coupon information registration process for providing a plurality of merchant coupons to a plurality of customers according to an exemplary embodiment of the present invention.

32 is a diagram illustrating a merchant coupon registration system for registering a coupon provided by a plurality of merchants according to an exemplary embodiment of the present invention in conjunction with a chargeable account and a value type account.

33 is a diagram illustrating a process of registering a coupon provided by a plurality of merchants in association with a chargeable account and a value type account according to an exemplary embodiment of the present invention.

34 is a diagram illustrating a merchant coupon registration system for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

35 is a diagram illustrating a coupon information registration process for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

36 is a diagram illustrating a process of providing a merchant coupon to a plurality of customers according to another exemplary embodiment of the present invention.

37 is a view showing a coupon application system according to an embodiment of the present invention.

38 is a diagram illustrating a coupon application process according to an embodiment of the present invention.

39 is a diagram illustrating a merchant coupon registration system for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

40 is a diagram illustrating a coupon information registration process for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

1900 Web Server 1905 Interface

1910: Interface provider 1915: Web service unit

1920: information receiving unit 1925: information storing unit

1930: information relay 1935: information processing server

1940: Receiving Information 1945: Opening of Value-Type Online Accounts

1950: Account Information Register

The present invention provides a coupon registration screen (or window) to a plurality of merchant client terminals, coupon information receiving means for receiving the coupon information provided by the plurality of merchant client terminals through the coupon registration screen (or window), Coupon information storage means for classifying the received coupon information by coupon registration merchant type or coupon type, and stored in a predetermined storage medium, and when the customer terminal access, stored in the storage medium to the customer terminal registered by merchant type Or providing coupon information for each coupon type, and when the customer selects any one or more of the provided coupon information, coupon information providing means for receiving the coupon selection information of the customer and at least one coupon information selected by the customer. Coupons that are stored in a predetermined storage medium by registering them in association with the customer-owned account information It relates to an account linked coupon registration system including a beam registration means.

When information technology is developed and electronic payment service using card media is activated, each card company, affiliated stores, and electronic payment related partners provide various discount coupon services to secure loyal customers. Due to the nature of the coupon, the application (or value) of a plurality of discount coupons includes a difficult problem.

Recently, various voucher services are becoming more common for people of a certain class based on national agencies (for example, the Ministry of Health and Welfare, the Ministry of Culture, Tourism, etc.) and local governments. It is aimed at various discount benefits (or application of value) to citizens of a certain class based on various funds managed by self-governing bodies.

On the other hand, since the voucher is operated through various funds operated by the flag agency (or local government), unlike the discount coupon, the voucher includes a feature that can provide a value separate from the discount coupon, but the conventional electronic payment service Through the technical problem that is difficult to apply the discount coupon and voucher at the same time.

An object of the present invention for solving the above problems, receiving or confirming the coupon information to be provided to customers in the server and the received or confirmed coupon information in association with the customer-owned account information and stored in a predetermined storage medium In addition, the present invention provides a method for registering a linked account coupon including the step of registering.

According to the present invention, a method and system for registering linked coupons provide a coupon registration screen (or window) to a plurality of merchant client terminals, and the plurality of merchant client terminals provide the coupon registration screen (or window). Coupon information receiving means for receiving coupon information, coupon information storing means for storing the received coupon information by coupon registration affiliated store type or coupon type, and storing in a predetermined storage medium, and when the customer terminal access, the customer terminal Providing coupon information for each merchant type or coupon type stored and registered in the storage medium, and when the customer selects any one or more of the provided plurality of coupon information, the coupon information for receiving coupon selection information of the customer is provided. And means for linking at least one coupon information selected by the customer with the account information owned by the customer. And stored in a storage medium, the registration coupon information registration means; characterized in that comprises a.

Meanwhile, according to the present invention, a method and system for registering linked coupons include coupon information receiving means for receiving coupon information to be provided to customers from a plurality of merchant client terminals, and a target customer (or group of customers) for providing coupons to the plurality of merchant client terminals. A coupon providing customer (or customer) providing a selection screen (or window) and receiving selection information of at least one coupon providing target customer (or group of customers) provided by the plurality of affiliated client terminals through the selection screen (or window). Customer group) on the basis of the selection information receiving means and the received coupon providing customer (or customer group) selection information, the coupon information provided by the plurality of affiliates is processed in association with the selected customer (or customer group) account information; Coupon information registration means for storing and registering in the storage medium, characterized in that made It shall be.

On the other hand, according to the present invention, the linked account coupon registration method and system, based on the coupon application information receiving means for receiving predetermined coupon application information from the customer terminal, and the received coupon application information, the merchant to provide the coupon Coupon information receiving means for receiving the coupon information through and the coupon information registration means for storing and registering in the predetermined storage medium by processing the received coupon information in association with the customer-owned account information.

According to the present invention, the linked account coupon registration method and system, the customer checks the account information associated with the customer card when the predetermined payment processing using the card associated with the account, and is processed in connection with the confirmed account information After confirming the coupon information registered in the storage medium, if the confirmed coupon is available coupon in the payment processing target merchant, further comprising a coupon operating means for applying the coupon to the payment processing do.

Meanwhile, according to the present invention, the method and method for registering a linked account coupon, receiving or confirming the coupon information to be provided to the customers in the server and the predetermined or stored by linking the received or confirmed coupon information with the customer-owned account information And storing and registering in the medium.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional configuration shown in the server (or terminal) The unit may be provided in two or more servers (or terminals) different from each other according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator) in accordance with the above-described means. It is not 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 prepaid card type charging online account registration system according to an exemplary embodiment of the present invention.

In more detail, Figure 1 provides a chargeable online account application information for opening a chargeable online account to a predetermined web server 100 through a predetermined network means at a predetermined customer terminal. By providing the chargeable online account application information provided from the customer terminal in the server 100 to a predetermined information processing server 135 provided in a predetermined financial institution, the information processing server 135 to apply for the rechargeable online account application As a system configuration for opening a rechargeable online account corresponding to information, it is a view showing a system configuration for opening a rechargeable online account of a rechargeable prepaid card concept that can be used without real name verification.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to implement a system for registering various types of rechargeable online accounts in addition to the rechargeable online accounts of the rechargeable prepaid card concept. 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.

For example, a person of ordinary skill in the art to which the present invention pertains may implement a system for registering a rechargeable online account in the form of a virtual account with reference to and / or modification of the drawing 1 as a parent account. 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.

Referring to FIG. 1 according to an embodiment of the present invention, a rechargeable online account registration system for registering a rechargeable online account in the form of a rechargeable prepaid card may include a predetermined web server 100 (e.g., through a predetermined network means). Requesting registration (or opening) of the rechargeable online account without real name verification by connecting to a portal server (Portal Server, etc.), and predetermined rechargeable online account application information corresponding to registration (or opening) of the rechargeable online account. Is connected to the customer terminal for providing the web server 100 with the customer terminal through a predetermined network means to receive a predetermined charge-type online account application information from the customer terminal, the received chargeable online account application Web server 100 for providing information to the information processing server 135 provided in a predetermined financial institution, and the web server 100 is connected through a predetermined communication means Receiving the chargeable online account application information from the web server 100, and on the basis of the received chargeable online account application information in the name of the customer charged the online account corresponding to the chargeable online account application information It is provided with an information processing server 135 which processes and opens by the rules, and a financial system which operates the charge-type online account processed by the said provisional rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. An accounting system that handles window services, such as credits or receptions or trusts or foreign exchanges that occur at one or more branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to access the financial system, and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that connected through, and provides the financial transaction services of the non-face-to-face method for at least one financial transaction customer through the financial terminal.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) and / or a wireless data communication network based on DataTAC / Mobitex. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based 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 telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provide 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 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).

According to the present invention, a customer who registers a predetermined rechargeable online account through an online channel may use the web server through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the 100, and receives a variety of application services provided by the web server 100.

Here, among the customer terminals, 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 connected to the TCP / IP based communication network. And / or at least one notebook, a home appliance terminal (eg, a set-top-box, etc.) connected to the TCP / IP based communication network, a kiosk, etc., connected to the TCP / IP based communication network, or the like. It is preferable to comprise as mentioned above.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data. It comprises a wireless data communication terminal connected to a communication network including at least one are preferred.

The web server 100 is a customer terminal including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and a search service including at least one information / content and / or mini It is preferable to include a personalization service including a homepage / blog, and / or a mail service, and / or a messenger service, and / or a portal server and / or a search server that provides various information providing services. .

According to the present invention, the information providing service provided by the web server 100 to the customer terminal includes at least one or more financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). It characterized in that it comprises a, wherein the financial product information is characterized in that the customer comprises at least one or more chargeable online account product information for registering the rechargeable online account.

In addition, the web server 100 is at least one or more for the customer to apply for (or purchase) the financial product (eg, the rechargeable online account) through the network means including the wired and / or wireless communication network And providing a user interface to the customer terminal, wherein the customer terminal inputs (or selects) the predetermined chargeable online account application information through the user interface to include the wired communication network and / or the wireless communication network. It is characterized in that the transmission to the web server 100 via a network means.

To this end, the client terminal outputs at least one user interface provided from the web server 100, and inputs and / or selects at least one rechargeable online account application information through the user interface to the web server ( It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the web server 100, etc.) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, and provide at least one rechargeable online account application information through the user interface. Since the characteristics of the customer terminal corresponding to at least one or more wired terminals and / or wireless terminals that are input and / or transmitted to the web server 100 can be easily inferred, a detailed description thereof will be omitted for convenience. .

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

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and / or wireless. A communication interface for connecting a predetermined communication channel with the customer terminal based on a protocol stack defined in a network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal. It is preferable to provide.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the customer terminal is provided with a communication program provided by the web server 100, the interface unit 105 connects the communication channel with the customer terminal based on the TCP / IP protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 may be connected to the customer terminal based on a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 105 communicates with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Referring to FIG. 1, the web server 100 is connected to the web server 100 through the interface unit 105 and / or when applying for a chargeable online account. And a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) which allows the customer terminal to input (or select) and transmit predetermined charging type online account application information from the client terminal. Information for receiving a predetermined charge-type online account application information that is input (or selected) and transmitted from the customer terminal through the user interface in conjunction with the interface providing unit 110 and the interface unit 105 provided to the terminal Obtaining an information relay unit 130 for providing the receiving unit 120 and the received charging online account application information to an information processing server 135 provided in a financial institution through a predetermined communication means. It is characterized by the comparison.

In addition, the web server 100 is connected to the interface unit 105, at least one or more of the customer terminal, a search service including at least one or more information / content, and / or a personalization service including a mini homepage / blog, and And / or a web service unit 115 for providing a web-based service including at least one or more mail services, and / or messenger services, and / or various information providing services. Those skilled in the art will be familiar with how the web server 100 provides the web based service to at least one or more customer terminals in order to perform the functions of the portal server and / or the search server. Detailed description thereof will be omitted for convenience.

In addition, the web server 100 is a chargeable online account received from the customer terminal through the information receiving unit 140 for the post-management of the chargeable online account application information received through the information receiving unit 140. Rechargeable online account issuance information including application information or including at least one or more chargeable online account information generated by the information processing server 135 based on the chargeable online account application information. Characterized in that it further comprises an information storage unit 125 to store in the, wherein the charge-type online account issuance information is the online account security information received from the customer terminal, the new processing agreement information (or new application information) ), Rechargeable prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) A preferably further comprises at least one.

The interface providing unit 110, when a predetermined customer terminal is connected to the web server 100 through the interface unit 105 and / or applying for a chargeable online account, corresponding to the functional configuration provided in the customer terminal Generate a predetermined user interface capable of inputting (or selecting) the rechargeable online account application information to the web server 100 via the network means, and / or extracting from a predetermined database (not shown) In addition, the user interface may be provided to the customer terminal through the network means in connection with the interface unit 105, the user interface generated (or extracted from a predetermined web source D / B (not shown)).

Thereafter, the client terminal inputs (or selects) the rechargeable online account application information based on the user interface, and transmits the input (or selected) rechargeable online account application information through the network means to the web server ( 100).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may be provided as a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracts from a predetermined web source D / B (not shown)), and generates through the interface unit 105 (or extracts from a predetermined web source D / B (not shown)). It is desirable to provide a customized user interface to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 provides a browser program and / or a communication program provided in the wireless terminal. Generates a predetermined user interface possible (or extracts from a predetermined web source D / B (not shown)) and extracts from the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is desirable to provide a user interface) to the customer terminal.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined charging online account application information from the client terminal in the web server 100 may include at least one online account product (or financial product). It is preferable that the customer comprises an interface for selecting at least one or more online account products (or financial products) to apply (or purchase).

In addition, when the online account product corresponding to the chargeable online account application information corresponds to the online account in the form of free and withdrawal, the user interface for receiving (or selecting) the chargeable online account application information is the chargeable online. And an interface for outputting online account product details such as the name of the rechargeable online account product and interest rate information corresponding to an account product to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. Preferably, or if the online account product corresponding to the rechargeable online account application information corresponds to the online account in the form of a financial investment product, a user for receiving (or selecting) the rechargeable online account application information Interface, the rechargeable online account Outputting the online account product details such as the name of the rechargeable online account product corresponding to the product, the investment period and the expected return information to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. It is preferred to include an interface.

In addition, the user interface for receiving (or selecting) the chargeable online account application information, outputs the terms and conditions information corresponding to the chargeable online account product to the customer terminal, the interface that the customer agrees to the terms and conditions It is preferable to comprise.

The user interface for receiving (or selecting) the rechargeable online account application information may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the rechargeable online account product. And an interface for inputting predetermined financial account information (eg, original account information for depositing a predetermined amount into an online account) for depositing (or transferring) an amount into the rechargeable online account.

In addition, the user interface for inputting (or selecting) the rechargeable online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile number) for the customer applying for the rechargeable online account product. , An address, an e-mail address, etc.) and / or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) provided in the web server 100. It is preferable to comprise.

Thereafter, the customer terminal provides online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products through the user interface, and the rechargeable online account products. Inputting (or selecting) the chargeable online account application information including corresponding terms and conditions agreement information, the chargeable online account deposit amount information, and at least one customer information for the chargeable online account applicant; Through the transmission to the web server 100.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include an account password for an online account corresponding to the rechargeable online account application information, and / or the rechargeable type. It is preferable to include an interface for inputting (or selecting) online account security information including at least one financial transaction password for processing at least one or more non-face-to-face financial transactions through an online account.

In addition, the rechargeable online account security information may include a predetermined personal identification number (PIN) and / or for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further include customer wireless terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 100 through the network means, or further include the rechargeable online account security information in the chargeable online account application information. Send to server 100.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The rechargeable online account security information (or the rechargeable online account application information including the rechargeable online account security information) is encrypted by a predetermined encryption method and transmitted to the web server 100 in order to secure the back. It is preferable.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the rechargeable online account application information may be configured until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Provision of provisional terms and conditions and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before verification of the financial real name of the rechargeable online account) Trail processing output information to the customer terminal, the customer agrees to the new provisions terms and conditions and the new processing period information, and / or the trail that the customer applies for a new processing for the rechargeable online account It is preferable to include an interface for inputting (or selecting) the rule application information.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the false new processing consent information (or false new application information) is provided to the customer terminal, the customer terminal receives the false new processing consent information (or false new application information) through the interface. After inputting (or selecting)), the entered (or selected) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 100 through the network means, or the rechargeable online The account application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name for the online account corresponding to the online product corresponding to the rechargeable online account is processed and operated as a concession, the input of the rechargeable online account application information is received (or selected). The user interface for processing the prepaid credit card by processing the rechargeable online account with a predetermined prepaid card in order to process the financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account processed by the pseudonym. It is preferable to include an interface for outputting to the customer terminal, the customer inputs (or selects) the rechargeable prepaid card processing agreement information to agree to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the rechargeable online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal and confirming the consent may be omitted. Do.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal, the customer terminal inputs (or selects) the rechargeable prepaid card processing consent information through the interface, and then enters the input ( Or) transmitting the charged prepaid card processing consent information to the web server 100 through the network means, or further including the rechargeable prepaid card processing consent information in the rechargeable online account application information. It transmits to the web server 100 through.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). At least one customer account has not been opened and / or the customer who has applied for the rechargeable online account has never processed a financial transaction with the financial institution, and enters (or selects) the rechargeable online account application information. The user interface for receiving preferably comprises an interface for outputting financial transaction application terms and conditions for processing an initial financial transaction with the financial institution to the customer terminal and confirming that the customer has agreed to the financial transaction application terms. If the customer is a financial transaction customer of the financial institution; The interface may be omitted, or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or when the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer The interface for applying for the financial transaction to a financial institution may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 100 through the network means. In FIG. 1, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened and / or the customer applying for the rechargeable online account has no history of financial transactions with the financial institution), and / or the customer applying for the rechargeable online account to the financial institution. If you are not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, or a TV banking member, or a home banking member), the user interface for receiving (or selecting) the rechargeable online account application information may be At least one non-face-to-face financial transaction channel with the financial institution as the client terminal Output non-face-to-face financial terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) to process one or more non-face-to-face financial transactions; And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for which the customer agrees to the non-face-to-face financial transaction agreement information, and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction. It is preferable to make it.

The non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, and / Or when the non-face-to-face financial transaction authentication is omitted for the financial transaction using the rechargeable online account, the customer may process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or applying for) non-face-to-face financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information to the web server 100 through the network means.

When the customer terminal inputs (or selects) predetermined charge-type online account application information through the user interface and transmits it through the network means, the information receiving unit 120 interworks with the interface unit 105 to charge the charge. And receiving the type online account application information, and providing the received charging type online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the rechargeable online account application information may include at least one online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products, and the rechargeable online account products. It is preferable that the information includes agreement information and at least one or more of the chargeable online account deposit amount information.

In addition, the customer terminal inputs (or selects) predetermined charge-type online account security information through the user interface and transmits it through the network means, or the charge-type online account security information is transmitted from the customer terminal. When the information is included in the online account application information and transmitted, the information receiving unit 120 may receive the rechargeable online account security information in association with the interface unit 105. The information relay unit 130 and / or the information storage unit 125 are provided.

In addition, the customer terminal inputs (or selects) predetermined false information processing consent information (or false information request information) through the user interface and transmits the information through the network means, or at the customer terminal, accepts the false information processing agreement. When the information (or the new application information) is included in the chargeable online account application information and transmitted, the information receiver 120 interoperates with the interface unit 105 and the new information processing consent information (or the new application information). ), And provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or the information storage unit 125.

In addition, the customer terminal inputs (or selects) predetermined charge prepaid card processing consent information through the user interface and transmits it through the network means, or charges the charge prepaid card processing consent information from the customer terminal. When the information is included in the type online account application information and transmitted, the information receiving unit 120 receives the rechargeable prepaid card processing consent information in association with the interface unit 105, and the received rechargeable prepaid card processing agreement. Information is provided to the information relay unit 130 and / or information storage unit 125.

In addition, the customer terminal inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or sends the financial transaction application information from the customer terminal to the rechargeable online account application information. Including and transmitting to, the information receiving unit 120 is characterized in that for receiving the financial transaction application information in conjunction with the interface unit 105, the information relay unit 130 receives the received financial transaction application information And / or to the information storage unit 125.

In addition, the client terminal inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits the data through the network means, or at the customer terminal, When the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the chargeable online account application information and transmitted, the information receiving unit 120 cooperates with the interface unit 105 to agree to the non-face-to-face financial transaction agreement. And receiving information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or the information storage unit. Provided at 125.

The information storage unit 125 includes the chargeable online account application information received through the information receiver 120 in the chargeable online account issuing information and stores the predetermined information in a predetermined storage medium. Web server 100 (or web server 100 operating institution) is a basis for receiving a fee for attracting customers for the chargeable online account application from the financial institution based on the chargeable online account application information stored in the storage medium To provide.

When the rechargeable online account security information is received through the information receiving unit 120, the information storage unit 125 is a rechargeable online account in which the rechargeable online account security information is linked to the rechargeable online account application information. And issuing information is stored in the storage medium, wherein the rechargeable online account security information is stored in the web server 100 (or a financial transaction server using the rechargeable online account) at least using the rechargeable online account. Used to authorize one or more financial transactions.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information storage unit 125 may display the provisional processing agreement information (or Rechargeable online account issuance information linked to the new provision application information is stored in the storage medium, and the new provision processing agreement information (or new provision application information) is the web server 100 (or the A financial transaction server using a rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information storage unit 125 processes the rechargeable prepaid card processing consent information in association with the rechargeable online account application information. And issuing information is stored in the storage medium, and the rechargeable prepaid card processing consent information is financed for the rechargeable online account in the web server 100 (or a financial transaction server using the rechargeable online account). It provides a basis for processing at least one or more financial transactions using the rechargeable online account until the real name is verified with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 agrees to the non-face-to-face financial transaction application information to the rechargeable online account application information. Rechargeable online account issuance information linked to the information (or non-face-to-face financial transaction application information) is stored in the storage medium, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is The web server 100 (or the financial transaction server using the rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

According to the method of the present invention, the information storage unit 125 is opened by the information processing server 135, a predetermined charge-type online account corresponding to the chargeable online account application information is opened, the web server 100 The chargeable online account information opened by the information processing server 135 to process at least one or more financial transactions using the chargeable online account (or a financial transaction server using the chargeable online account). Rechargeable online account information, which is further included in the chargeable online account issuing information, is stored in a storage medium, or the chargeable online account application information included in the chargeable online account issuing information is opened by the information processing server 135. It is preferable to replace with, and thereby the present invention is not limited.

Here, the rechargeable online account information may include an online account number in the form of a prepaid card number generated by the provisional opening unit 145 and the prepaid card processing unit 150 of the information processing server 135 and the rechargeable online account. It is preferable to include the account holder information corresponding to the customer information included in the application information, the web server 100 operating institution information and the financial institution information that the rechargeable online account is opened.

The information relay unit 130 is an information processing server provided in a financial institution corresponding to the chargeable online account product through a predetermined communication means for the chargeable online account application information received through the information receiving unit 140 ( 135) relay transmission.

Here, the communication means for connecting the web server 100 and the information processing server 135, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 135, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 135 (eg, the web server 100 encrypts the chargeable online account application information by a predetermined encryption method and the information processing server). And a communication network for transmitting the chargeable online account application information through the decryption method corresponding to the encryption method in the information processing server 135.

When the rechargeable online account security information is received through the information receiving unit 140, the information relay unit 130 corresponds to the rechargeable online account product through the predetermined communication means. It is characterized in that the relay transmission to the information processing server 135 provided in the financial institution, whereby the information processing server 135 is the charge-type online account in the web server 100 to the financial system provided in the financial institution Open a rechargeable online account that can process financial transactions with security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 140, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the data to the information processing server 135 provided in the financial institution corresponding to the rechargeable online account product, by means of which the information processing server 135 is transferred to the financial system provided in the financial institution. A chargeable online account corresponding to the chargeable online account application information is opened under a new provision.

When the financial transaction application information is received through the information receiver 140, the information relay unit 130 includes the financial transaction application information in a financial institution corresponding to the rechargeable online account product through a predetermined communication means. Characterized in that the transmission to the information processing server 135, so that the information processing server 135 is provided with the financial institution, even if the customer request for the online charging account is not a conventional customer of the financial institution The system opens a rechargeable online account corresponding to the rechargeable online account application information in a form that enables at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 140, the information relay unit 130 corresponds to the rechargeable online account product through the predetermined communication means. It is characterized in that the relay transmission to the information processing server 135 provided in the financial institution, whereby the information processing server 135 is a charging type corresponding to the charge-type online account application information to the financial system provided in the financial institution Open an online account in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiver 140, the information relay unit 130 may request the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the information processing server 135 provided in the financial institution corresponding to the rechargeable online account product through a predetermined communication means, whereby the information processing server 135 transmits the information to the financial institution. In the financial system provided at the web server 100 opens a rechargeable online account for processing the financial transaction using the rechargeable online account in a non-face-to-face manner.

According to another exemplary embodiment of the present invention, when the information processing server 135 is equipped with a web server 100 function and / or the information processing server 135 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal and the information processing server 135 so that the rechargeable online account application information (and / or the new processing agreement information) is transmitted from the customer terminal in the information processing server 135. Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction application information (or non-face-to-face financial transaction application information). It is possible to relay directly to provide a predetermined user interface for receiving a)), whereby the information processing server 135 is connected from the customer terminal via a predetermined network means. Pre-charged online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) directly, and the present invention is not limited thereto.

According to another embodiment of the present invention, between the web server 100 and the information processing server 135 relays at least one or more web servers 100 and the information processing server 135, and / or A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 135 and / or relays the at least one web server 100 and the at least one information processing server 135. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the information processing server 135 may provide charging online account application information (and / or false information processing consent information (or false information request information)) provided from the web server 100 through the communication means. , And / or receive online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Tentative opening section 145 to open the information receiving unit 140 and the charging online account corresponding to the chargeable online account application information received through the information receiving unit 140 in association with a predetermined financial system in a new way (Or an account opening means), a prepaid card processing unit 150 (or an account opening means) for processing a rechargeable online account opened with the new provision as a rechargeable prepaid card, and a rechargeable prepaid card type on A new account management unit 155 (or an account opening means) that manages a person's account until the real name verification is performed for the customer who applied for the rechargeable online account, and a rechargeable online account that is opened in correspondence with the rechargeable online account application information. A real name confirmation unit 160 (or an account opening means) for confirming that the real name of the customer applying for financial transaction for the financial transaction is confirmed within a predetermined real name confirmation period, and a charge opened in response to the rechargeable online account application information; When the real name for the online type account is confirmed, a new account processing unit 165 (or an account opening means) for processing the filled-in online account opened as the new bank account is characterized in that it is made.

The information receiving unit 140 is charged online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security provided from the web server 100 via the communication means Information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Rechargeable online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 145.

Rechargeable online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 100 according to one embodiment of the present invention, and / Or when the financial transaction application information, and / or the rechargeable prepaid card processing consent information, and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are encrypted, the information receiver 140 encrypts the encrypted charge. Type online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or Or it is preferable to further comprise a function for decoding the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

The new provision establishment unit 145 is the chargeable online account application information (and / or new provision processing agreement information (or new provision application information)) from the web server 100 via the information receiving unit 140, and / Or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). Type online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or read the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) and through the predetermined financial system, the recharged online account application information (and / or the provisional processing agreement information (or the new provision). Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information)). It is characterized by opening a corresponding rechargeable online account.

Here, the provisional opening section 145 is the chargeable online account application information (and / or provisional processing agreement information (or provisional application information), and / or online account security information, and / or financial transaction application information , And / or opening a rechargeable online account corresponding to the chargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) on the financial system. In the ledger D / B, the rechargeable online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or Predetermined customer ledgers (which may be omitted if the customer ledger is already registered) corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). At least one online account ledger (eg, a reception ledger corresponding to the rechargeable online account application information).

According to an embodiment of the present invention, the online ledger for the rechargeable online account corresponding to the rechargeable online account application information corresponds to a newly opened rechargeable online account based on the rechargeable online account application information. It is preferable to register with the ledger D / B in the form of an account ledger, and store predetermined false information for managing the chargeable online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the rechargeable online account corresponding to the rechargeable online account application information is a virtual account associated with a predetermined parent account based on the rechargeable online account application information. It is preferable to be registered in the ledger D / B in the form of an account ledger corresponding to the above, wherein the parent account is to register the customer financial account, or the rechargeable online account already opened in the ledger D / B on the financial system To this end, it is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the financial system, thereby the present invention is not limited.

The rechargeable online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore the non-real name financial account is Financial transactions are a violation of these laws.

However, it is possible to deposit a predetermined amount (or deposit amount) into the rechargeable online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the provisional opening unit 145 may be configured to provide the rechargeable online account application information (and / or provisional processing agreement information (or provisional application information)) received through the web server 100, and / or the online account. Security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A procedure of opening the rechargeable online account (eg, registering a predetermined online ledger) is performed in association with an external system and / or an information system, and the result is provided to the prepaid card processing unit 150.

Those skilled in the art to which the present invention pertains, the provisional opening section 145 to open the rechargeable online account in conjunction with the financial system (for example, to register a predetermined online ledger) Since you will be familiar with the detailed procedure, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 150 processes the rechargeable online account (or online account ledger) opened by the new provision opening unit 145 as a rechargeable prepaid card, wherein the rechargeable prepaid card is financed. It is possible to withdraw a predetermined deposit amount (or a recharge amount) without violating the real-name system transaction and confidentiality laws and the Concurrent Decree (Presidential Decree No. 15744).

In addition, it is preferable that the rechargeable online account processed by the prepaid card processing unit 150 as a rechargeable prepaid card has a function of an interest rate-linked rechargeable prepaid card in which a predetermined interest is calculated in the charged amount.

According to the exemplary embodiment of the present invention, the prepaid card processing unit 150 replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information, so that the charge opened by the provisional opening establishment unit 145. It is desirable to treat a type online account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 150 replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, and converts the account interest rate into a prepaid card interlocked interest rate. By replacing the account password with a Personal Identification Number (PIN) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby opening the charge established by the provisional opening unit 145. It is desirable to treat a type online account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 150 processes the predetermined prepaid rechargeable prepaid card information in relational form in the online ledger, and the charging established by the provisional opening unit 145. It is desirable to treat a type online account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 150 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN and the like, it is preferable to treat the rechargeable online account (or online ledger) opened by the provisional opening unit 145 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 150 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online ledger is registered. It is preferable that the rechargeable online account (or online ledger) opened by the opening unit 145 be treated as a rechargeable prepaid card.

For example, the prepaid card processing unit 150 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing the rechargeable prepaid card information including the card PIN in a predetermined database linked to the ledger D / B registered with the online ledger, the rechargeable online account opened by the provisional opening unit 145 ( Or online account ledger) with a rechargeable prepaid card.

Thereafter, the provisional management unit 155 is characterized in that the operation of the chargeable prepaid card opened before the confirmation of the real name for the customer request for the rechargeable online account opened with the new provisions.

According to an embodiment of the present invention, the provisional management unit 155 charges the deposit amount to the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the rechargeable online account through the financial system. It is characterized by processing by doing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the rechargeable online account, the new management unit 155 uses the amount charged to the rechargeable prepaid card. It is characterized by processing as.

In addition, when interest is calculated for the amount deposited in the rechargeable online account (or charged in the rechargeable prepaid card) through the financial system, the new provision management unit 155 receives the interest in the rechargeable prepaid card. It is characterized by charging.

By processing the rechargeable online account as a rechargeable prepaid card as described above, the provisional management unit 155 is the law and the concurrent law on financial real name transaction and confidentiality until the real name of the rechargeable online account is verified (Presidential No. 15744). Prevent violations.

The real name verification unit 160 is the law on the financial real-name system trading and confidentiality while the charge-type online account opened by the new provision establishment unit 145 is managed by the new provision management unit 155 and According to the financial real name verification procedure corresponding to the concurrent act (Presidential No. 15744), it is characterized in that whether the real name of the customer for the charge-type online account application is confirmed within a predetermined real name verification period.

According to an embodiment of the present invention, the real name verification unit 160 is the real name of the customer of the application for the rechargeable online account for the rechargeable online account through the window terminal financial transaction system through the window terminal associated with the financial system It is desirable to confirm that this is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is an Internet banking customer corresponding to the financial institution ( For example, when the financial institution has performed a real name verification process for the customer who applied for the rechargeable online account), the real name verification unit 160 performs the authentication based on the real name verification process defined in the Internet banking system. It is desirable to verify that the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is a wireless banking customer corresponding to the financial institution. (For example, when the financial institution has performed the real name verification process for the customer who is applying for the rechargeable online account), the real name verification unit 160 through the official certificate-based real name verification process defined in the wireless banking system. It is preferable to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, a customer who applies for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who applies for the rechargeable online account corresponds to the financial institution, and / or If you are a home banking and / or TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the customer who applied for the rechargeable online account), the real name verification unit 160 may be configured to perform the wireless banking system. It is possible to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is verified through the certificate-based real name verification procedure defined in the present invention, which is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 160 is provided in the financial system (or provided to a financial institution) so as to confirm the real name of the customer for the rechargeable online account application within a predetermined real name verification period. It is desirable to periodically request the customer to apply for the real name of the rechargeable online account using the telemarketing function.

Alternatively, the real name verification unit 160 is a DM (Direct Mail) provided in the financial system (or provided in a financial institution) in order to confirm the real name of the customer who applied for the rechargeable online account within a predetermined real name verification period. It is desirable to periodically request the customer to apply for the online account using the rechargeable online account using the function).

Alternatively, when the customer is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, the real name verification unit 160 checks the real name of the customer for the rechargeable online account application within a predetermined real name verification period. In order for the rechargeable online account applicant to correspond, the terminal-based financial transaction corresponding to the financial institution, and / or the financial terminal-based financial transaction including CD / ATM, and / or the Internet banking-based financial transaction, and / or Recharge the rechargeable online account application customer in connection with the financial transaction system during wireless banking based financial transactions, and / or tele banking based financial transactions, and / or home banking based financial transactions, and / or TV banking based financial transactions. It is advisable to request that the real name verification process be carried out on an online account.

If the real name for the rechargeable online account application customer is confirmed within a predetermined real name verification period, the real name verification unit 160 generates real name identification information for the customer for the rechargeable online account application and generates the new account processing unit ( 165).

Or, if the real name for the rechargeable online account application customer is confirmed within the predetermined real name verification period, the real name verification unit 160 generates unrealized information for the customer for the rechargeable online account application to generate the new account. Provided to the processing unit 165.

When the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including the confirmed name of the customer for the charge-type online account application within the real name confirmation period, the new account processing unit 165 is linked with the financial system Thus, the new on-line account processed by the new provision opening unit 145 and / or new provision management unit 155 is characterized in that the new financial account is processed as a valid financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including that the real name for the charge-type online account request customer is provided within the real name confirmation period, the new account processing unit ( 165 stores all of the rechargeable online accounts processed by the new provision opening unit 145 and / or the new provision management unit 155 as a new provision in connection with the external and / or information systems provided in the financial system. It is desirable to treat as a valid new financial account where financial transactions are possible.

According to an embodiment of the present invention, when a lock is set such that the amount deposited with the opened rechargeable online account is not withdrawn by any financial transaction until the real name verification for the rechargeable online account is established, the new account processor 165 preferably unlocks the rechargeable online account in connection with the external and / or information systems provided in the financial system, whereby the rechargeable online account processed by the pseudonym is The transaction is processed as a valid new financial account.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened rechargeable online account is linked with the rechargeable online account to prevent withdrawal. When transferred to a predetermined virtual account provided, the new account processing unit 165 transfers the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system to the rechargeable online account. It is desirable to retract (or re-transfer) to and / or to remove (or erase) the withdrawal virtual account, whereby the provisional online account processed with the provisions is a valid new financial account capable of all financial transactions. Is treated as.

According to another embodiment of the present invention, the banking system is provided with a new account processing mother account for the chargeable online account, and the opened charge online account withdrawal prevention function associated with the new account processing mother account When the predetermined amount is deposited (or deposited) into the chargeable online account processed as the virtual account with the withdrawal prevention function by being processed with the provided virtual account, the new account processing unit 165 sends to the financial system. Release the withdrawal prevention function of the chargeable online account processed as the virtual account with the withdrawal prevention function in association with the external and / or information system provided, and provide the virtual account function associated with the parent account for the new provision processing (Or erase) to process the chargeable online account, whereby the chargeable online account processed by the pseudonym The transaction is processed as a valid new financial account.

According to the method of the present invention, when the new account processing unit 165 processes the chargeable online account as a valid new financial account capable of all financial transactions, the information receiving unit 140 displays the date of establishment of the chargeable online account. Rechargeable online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable from web server 100 The date on which the prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received, or the provisional opening unit 145 receives the chargeable online account on the financial system. It is desirable to apply retrospectively to any one of the dates established as a new provision.

2 is a view showing the configuration of the chargeable online ledger information according to an embodiment of the present invention.

In more detail, FIG. 2 stores an online ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Shows the configuration of the rechargeable online account ledger information for processing a predetermined account, and specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with rechargeable prepaid card information, It relates to a method of processing a rechargeable online account corresponding to the online ledger with a rechargeable prepaid card.

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify this figure 2 to open the online account on the ledger D / B and operate a new prepaid card in the form of a rechargeable prepaid card. It is possible to infer various information configuration methods for a given online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger 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, 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.

According to another exemplary embodiment of the present invention, the provisional opening unit 145 and / or provisional management unit 155 of the information processing server 135 shown in FIG. 1 are provided with an external system and / or provided in the financial system. Incorporating information from the wireless ledger into the online ledger for processing at least one or more financial transactions in a non-face-to-face fashion without financial authorization, in conjunction with the information system, and / or the ledger and / or online ledger It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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.

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, in order to process the online ledger as a new account, the provisional opening unit 145 and / or the provisional management unit 155 of the information processing server 135 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number) for the rechargeable online account, the date of establishment of a new provision, the expiration date of the real name verification, the extension of the real name verification period, and the real name verification And generating predetermined trail processing information including a deposit, and storing the generated trail processing information in association with additional information corresponding to the online ledger.

Here, the provisional processing information is based on the charging online account application information and / or the provisional processing consent information (or the provisional application information) received from the customer terminal on the rechargeable online account registration system shown in FIG. It is preferable to generate the information. If the provisional processing agreement information (or provisional application information) is omitted in the rechargeable online account registration system shown in FIG. 1, the provisional processing information provided in the online account book is also It is preferable to omit, and this invention is not limited by this.

The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the rechargeable online account, and the account of the rechargeable online account that has been provisionally processed according to the present invention. It includes a number (or prepaid card number).

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

In addition, the extension of the real name verification period of the pseudonym processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account confirmation If a problem arises that makes it difficult to verify the customer's real name for the Rechargeable Online Account for the Rechargeable Online Account within the expiration date, and / or if the provisional terms and conditions information includes an automatic extension of the term for the expiration of the Real Name Validation, Even after the real name verification expiration date, the real name of the customer who is applying for the rechargeable online account for the rechargeable online account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further automatically extended by the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the provisional processing information is the chargeable type if a predetermined amount is deposited into the chargeable online account before the real name of the customer applying for the chargeable online account for the rechargeable online account As the amount information deposited into the online account, the pre-real name verification deposit is matched with the account balance of the online ledger (e.g., the chargeable prepaid card charge).

According to another embodiment of the invention, the information contained in the provisional processing information is stored in the form of information included in the online ledger (not shown), and / or other ledgers other than the online ledger (eg, It is possible to be stored in the form of additional information added to the customer ledger, and / or in the form of information contained in other ledgers (for example, the customer ledger) other than the online account ledger, whereby the present invention is not limited.

Referring to FIG. 2, the prepaid card processing unit 150 of the information processing server 135 illustrated in FIG. 1 may charge the online account ledger by prepaid in advance in connection with the external and / or information systems provided in the financial system. In order to process the card, the account number included in the online ledger is replaced by a predetermined prepaid card number, the product type is replaced by a "rechargeable prepaid card" product, the account interest rate is replaced by a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the rechargeable online account until the customer confirms the real name of the rechargeable online account, and is a prepaid card of a financial institution equipped with the financial system. It is preferable to include a number system, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type is preferably made of information to confirm that the rechargeable online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, new name processed after the real name is verified It is preferable to reduce the product type of the financial account.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= rechargeable online account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the rechargeable online account. After that, it is preferable to reduce the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account, It is preferable to reduce the account password of the new financial account processed name.

3 is a view showing the configuration of a chargeable online account ledger information according to another embodiment of the present invention.

In more detail, Figure 3 stores the online ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1, the rechargeable online account Shows the configuration of the rechargeable online account ledger information for processing a predetermined account, and specifically, by linking and storing predetermined rechargeable prepaid card information in the online ledger registered in the ledger D / B And a method of processing a rechargeable online account corresponding to the online ledger with a rechargeable prepaid card.

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 3 to open the online account in the ledger D / B and to operate the new prepaid card in the form of a rechargeable prepaid card. It will be possible to infer various information configuration methods for a given online ledger, 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. 3 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 ledger and an account ledger associated with the ledger (eg, a ledger 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 ledger, 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, 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.

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, 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, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one day and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. ), Complex transaction, date of settlement, account line, summary, transaction history information including at least one or more.

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.

According to the present invention, the provisional opening unit 145 and / or provisional management unit 155 of the information processing server 135 shown in FIG. 1 are linked to the external system and / or information system provided in the financial system. And generates predetermined false information processing information including an account number (or prepaid card number), a new name establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit for the rechargeable online account; Characterized in that the new processing information generated by the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the rechargeable online account, and the account of the rechargeable online account that has been provisionally processed according to the present invention. It includes a number (or prepaid card number).

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

In addition, the extension of the real name verification period of the pseudonym processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account confirmation If a problem arises that makes it difficult to verify the customer's real name for the Rechargeable Online Account for the Rechargeable Online Account within the expiration date, and / or if the provisional terms and conditions information includes an automatic extension of the term for the expiration of the Real Name Validation, Even after the real name verification expiration date, the real name of the customer who is applying for the rechargeable online account for the rechargeable online account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation information of the new provision processing information, if a predetermined amount is deposited into the rechargeable online account before the real name of the customer requesting the rechargeable online account for the rechargeable online account, the rechargeable online As the amount information deposited into the account, the real name pre-determination deposit is matched with the balance of the account of the online ledger (eg, the amount of the prepaid rechargeable card).

According to another embodiment of the invention, the information contained in the provisional processing information is stored in the form of information included in the online ledger (not shown), and / or other ledgers other than the online ledger (eg, It is possible to be stored in the form of additional information added to the customer ledger, and / or in the form of information contained in other ledgers (for example, the customer ledger) other than the online account ledger, whereby the present invention is not limited.

Referring to FIG. 3, the prepaid card processing unit 150 of the information processing server 135 illustrated in FIG. 1 may charge the online account ledger by prepaid in advance in connection with an external system and / or an information system provided in the financial system. In order to process the card, it is characterized in that the account number, product type, interest rate, password, etc. contained in the online ledger is deactivated, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information including a card PIN and customer wireless terminal information, etc. is characterized in that it is stored in association with the additional information of the online account book.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the rechargeable online account until the customer confirms the real name of the rechargeable online account, and is a prepaid card of a financial institution equipped with the financial system. It is preferable to include a number system, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type is preferably made of information to confirm that the rechargeable online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, new name processed after the real name is verified It is preferable to reduce the product type of the financial account.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= rechargeable online account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the rechargeable online account. After that, it is preferable to reduce the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account, It is preferable to reduce the account password of the new financial account processed name.

In addition, the customer wireless terminal information also corresponds to an authentication number defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account. desirable.

4 is a diagram showing the configuration of the charging online account ledger information according to another embodiment of the present invention.

In more detail, Figure 4 is provided with a predetermined online ledger in accordance with the conventional account ledger information configuration in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1, and associated with the ledger D / B By providing the prepaid transaction information and the rechargeable prepaid card information associated with the online account ledger in a predetermined database, the predetermined online account ledger according to the conventional account ledger information configuration can be set up in the form of a rechargeable prepaid card and a bank account. As an illustration of the structure of information processed by the ledger, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 to display an online account in a predetermined database associated with the ledger D / B. Be able to infer various information composition methods for storing the above-mentioned new processing information and rechargeable prepaid card information associated with the ledger. I, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 4.

In particular, FIG. 4 illustrates a case in which it is not easy to store the provisional processing information and / or the rechargeable prepaid card information in the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, If it is not easy to change the ledger D / B, or the system is not easy to expand due to the nature of the financial system), the information on the provisional processing and / or the rechargeable prepaid card information is stored in a predetermined database instead of the ledger D / B. It shows an implementation method of storing and linking the database and the ledger D / B.

Referring to Figure 4, the database is characterized in that the store the new processing information and / or rechargeable prepaid card information, the new processing information and / or rechargeable prepaid card information is processed in conjunction with the ledger D / B Preferably, the new credit information and / or rechargeable prepaid card information further include a CIF number matching the customer ledger of the ledger information and an account number matching the online ledger.

In FIG. 4, the new provision processing information stored in the database is characterized by including the account number for the financial account, the new provision establishment date, the real name verification expiration date, extension of the real name verification period, deposit before real name verification.

Here, the provisional processing information is based on the charging online account application information and / or the provisional processing consent information (or the provisional application information) received from the customer terminal on the rechargeable online account registration system shown in FIG. It is desirable to produce.

The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the rechargeable online account, and the account of the rechargeable online account that has been provisionally processed according to the present invention. It includes a number (or prepaid card number).

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

In addition, the extension of the real name verification period of the pseudonym processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account confirmation If a problem arises that makes it difficult to verify the customer's real name for the Rechargeable Online Account for the Rechargeable Online Account within the expiration date, and / or if the provisional terms and conditions information includes an automatic extension of the term for the expiration of the Real Name Validation, Even after the real name verification expiration date, the real name of the customer who is applying for the rechargeable online account for the rechargeable online account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation information of the new provision processing information, if a predetermined amount is deposited into the rechargeable online account before the real name of the customer requesting the rechargeable online account for the rechargeable online account, the rechargeable online As the amount of money deposited into the account, the real name pre-determination deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

In FIG. 4, the rechargeable prepaid card information stored in the database includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card linkage rate, a prepaid card PIN, and a customer wireless terminal information. It is done.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the rechargeable online account until the customer confirms the real name of the rechargeable online account, and is a prepaid card of a financial institution equipped with the financial system. It is preferable to include a number system, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type is preferably made of information to confirm that the rechargeable online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, new name processed after the real name is verified It is preferable to reduce the product type of the financial account.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= rechargeable online account), it is preferable that after the real name confirmation is reduced to the balance of the new financial account processed.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the rechargeable online account. After that, it is preferable to reduce the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account, It is preferable to reduce the account password of the new financial account processed name.

In addition, the customer wireless terminal information also corresponds to an authentication number defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account. desirable.

5 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined user interface for charging an online account to the customer terminal, the user terminal provides a user interface through the charging online account application. Input (or select) predetermined rechargeable online account application information to the web server 100 through a predetermined network means, and apply for the rechargeable online account through the predetermined communication means in the web server 100. Regarding the process of providing the information to the information processing server 135 provided in the financial institution, those of ordinary skill in the art to which the present invention pertains, the customer terminal by referring to and / or modifying the figure 5 In the web server 100 through the web server 100 to the information processing server 135 can be inferred various implementation methods for providing the chargeable online account application information However, the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the customer terminal provides only the chargeable online account application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the server 100 to the customer terminal, in addition to the chargeable online account application information in the customer terminal, provisional processing agreement information (or provisional application information), and / or online account security information, and And / or a method of providing financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), may be inferred. At the customer terminal, the new processing agreement information (or new application information), and / or online account security information, and / or financial transactions An implementation method of providing application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 135 in the The rechargeable online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or encrypt the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmit the chargeable online account application information (and / or the new processing agreement information) from the information processing server 135. Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial settlement). Would be able to infer the exemplary method for decoding an information application)), the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web server ( At least one web-based service provided by 100 may be used (505). At this time, the web-based service screen provided by the web server 100 to the client terminal may include a predetermined charge type for registering the rechargeable online account. It is preferred to include a menu interface for requesting an online account subscription user interface.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the web server 100 may register the rechargeable online account with the rechargeable online account application user interface from the customer terminal. It periodically checks whether a user interface requesting a rechargeable online account is requested (510). If the financial instrument requesting interface is requested from the customer terminal (515), the web server 100 provides a predetermined number to be provided to the customer terminal. Generate a chargeable online account application user interface (or extract from a predetermined web source D / B (not shown)) 520 and provide the chargeable online account application user interface to the terminal through the network means; (525).

Thereafter, the customer terminal inputs (or selects) predetermined charging online account application information through the rechargeable online account application user interface (530), and the rechargeable online account application information is applied (or purchased) by the customer. Online account product selection information for selecting at least one online account product, terms and conditions agreement information corresponding to the rechargeable online account product, the rechargeable online account deposit amount information, and the rechargeable online account application customer. It is preferable to include at least one or more customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, and / or at least one non-face to face through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the financial transaction.

In addition, the rechargeable online account security information may include a predetermined personal identification number (PIN) and / or for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further include customer wireless terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 100 through the network means, or further include the rechargeable online account security information in the chargeable online account application information. Send to server 100.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 100 in order to secure the back. desirable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Input (or select) false provisional processing consent information to agree with the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information to which the customer applies for provisional processing for the rechargeable online account; It is preferable that the interface is included.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional provision processing agreement information (or provisional application information) is transmitted to the web server 100 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name for the online account corresponding to the rechargeable online account product is processed and operated as a provisional rule, the rechargeable online account application user interface is processed as the provisional regulation. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account, the rechargeable online account is processed with a predetermined rechargeable prepaid card to output the rechargeable prepaid card processing information to the customer terminal. It is preferred that the customer includes an interface for inputting (or selecting) rechargeable prepaid card processing consent information to agree to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the rechargeable online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal and confirming the consent may be omitted. Do.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal, the customer terminal inputs (or selects) the rechargeable prepaid card processing consent information through the interface, and then enters the input ( Or) transmitting the charged prepaid card processing consent information to the web server 100 through the network means, or further including the rechargeable prepaid card processing consent information in the rechargeable online account application information. It transmits to the web server 100 through.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, and / or the rechargeable online account request customer has never processed a financial transaction with the financial institution). And an interface for outputting financial transaction application condition information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application condition.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or when the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer The interface for applying for the financial transaction to a financial institution may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 100 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened and / or the customer applying for the rechargeable online account has no history of financial transactions with the financial institution), and / or the customer applying for the rechargeable online account to the financial institution. If the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, or a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface is connected to the financial institution through the client terminal. Deal with at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel Non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

The non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, and / Or when the non-face-to-face financial transaction authentication is omitted for the financial transaction using the rechargeable online account, the customer may process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or applying for) non-face-to-face financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information to the web server 100 through the network means.

Thereafter, the web server 100 may include the rechargeable online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and And / or the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium (540).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 100 (or the web server 100 operator) and the information processing server 135 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 100 transmits the charge-type online account application information to the information processing server 135 through a predetermined communication means (545), and the information processing server 135 via the communication means. The rechargeable online account application information provided from the web server 100 is received (550).

6 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined user interface for charging an online account to the customer terminal, the customer terminal provides the user interface through the charging online account application. Input (or select) and encrypt predetermined rechargeable online account application information to provide to the web server 100 through predetermined network means, and decrypt the rechargeable online account application information in the web server 100. The process of providing the charge-type online account application information to the information processing server 135 provided in the financial institution through a predetermined communication means, if one of ordinary skill in the art to which the present invention belongs 6 and / or modified to the information processing server 135 through the web server 100 in the customer terminal with reference to Figure 6 and / or modified Various implementation methods for providing left application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 6, the customer terminal provides only the chargeable online account application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the server 100 to the customer terminal, in addition to the chargeable online account application information in the customer terminal, provisional processing agreement information (or provisional application information), and / or online account security information, and And / or a method of providing financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be inferred. At the customer terminal the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transactions An implementation method of providing application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 135 in the The rechargeable online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or encrypt the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmit the chargeable online account application information (and / or the new processing agreement information) from the information processing server 135. Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial settlement). Would be able to infer the exemplary method for decoding an information application)), the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 6, the customer terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web server 100. At least one web-based service provided by) is used (605), wherein the web-based service screen provided by the web server 100 to the customer terminal is a predetermined charge type for registering the rechargeable online account. It is preferred to include a menu interface for requesting an online account subscription user interface.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the web server 100 may register the rechargeable online account with the rechargeable online account application user interface from the customer terminal. Periodically check whether the user interface requesting a rechargeable online account request is requested (610), if the financial product request interface is requested from the customer terminal (615), the web server 100 is provided with a predetermined security function Generate a chargeable online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the chargeable online account application user interface to the mobile terminal through the network means; (625).

Here, the security function provided in the user interface for the rechargeable online account application may include a function of encrypting the charging online account application information input (or selected) by the customer terminal using a predetermined encryption method and / or the rechargeable online account. It comprises at least one function of attaching the electronic signature of the customer to the application information, preferably in the form of a security program linked to the user interface for the online application for charging, wherein the security program is the charging type Preferably, at least one encryption key for encrypting the online account application information is provided.

In addition, the security function (and / or security program) may further include an official certificate having at least one or more encryption keys for encrypting the rechargeable online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal inputs (or selects) predetermined charging online account application information through the rechargeable online account application user interface (630), and the rechargeable online account application information is applied (or purchased) by the customer. To the online account product selection information for selecting at least one online account product, the terms and conditions agreement information corresponding to the chargeable online account product, the chargeable online account deposit amount information, and the chargeable online account application customer. It is preferable to include at least one customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information according to a predetermined encryption method through a security function provided in the user interface for the chargeable online account application. Encrypt (and / or attach the electronic signature of the customer to the rechargeable online account application information) (635), and transmit the encrypted rechargeable online account application information to the web server 100 via the network means. Transmit (640).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, and / or at least one non-face to face through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the financial transaction.

In addition, the rechargeable online account security information may include a predetermined personal identification number (PIN) and / or for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further include customer wireless terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 100 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to the web server 100.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 100 in order to secure the back. desirable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Input (or select) false provisional processing consent information to agree with the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information to which the customer applies for provisional processing for the rechargeable online account; It is preferable to include an interface to make.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional provision processing agreement information (or provisional application information) is transmitted to the web server 100 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name for the online account corresponding to the rechargeable online account product is processed and operated as a provisional rule, the rechargeable online account application user interface is processed as the provisional regulation. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account, the rechargeable online account is processed with a predetermined rechargeable prepaid card to output the rechargeable prepaid card processing information to the customer terminal. It is preferred that the customer includes an interface for inputting (or selecting) the rechargeable prepaid card processing consent information for the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the rechargeable online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal and confirming the consent may be omitted. Do.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal, the customer terminal inputs (or selects) the rechargeable prepaid card processing consent information through the interface, and then enters the input ( Or) transmitting the charged prepaid card processing consent information to the web server 100 through the network means, or further including the rechargeable prepaid card processing consent information in the rechargeable online account application information. It transmits to the web server 100 through.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not open, and / or the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution). It is preferable that the terminal outputs the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution, and includes an interface for confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or when the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer The interface for applying for the financial transaction to a financial institution may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 100 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (e.g., at least corresponding to the financial institution applying for the rechargeable online account product). One or more customer accounts are not open, and / or the customer applying for the rechargeable online account has no history of financial transactions with the financial institution), and / or the customer applying for the rechargeable online account If you are not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, or a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface may be used by the customer terminal. And deal with at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel. Non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

The non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, and / Or when the non-face-to-face financial transaction authentication is omitted for the financial transaction using the rechargeable online account, the customer may process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or applying for) non-face-to-face financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information to the web server 100 through the network means.

The web server 100 receiving the encrypted charging online account application information through the network means decrypts the charging online account application information with a decryption method corresponding to the encryption method (645), and decrypts the decrypted online account application information. Rechargeable online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored in a predetermined storage medium (640).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 100 (or the web server 100 operator) and the information processing server 135 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 100 transmits the charging-type online account application information to the information processing server 135 through a predetermined communication means (645), and the information processing server 135 via the communication means. The rechargeable online account application information provided from the web server 100 is received (650).

7 is a diagram illustrating a process of processing a rechargeable online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 7, the information processing server 135 shown in FIG. 1 opens a predetermined chargeable online account based on the chargeable online account application information provided from the web server 100. A process of processing an online account as a rechargeable prepaid card, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 7 and the information processing server 135 shown in the drawing 1 above. Based on the chargeable online account application information provided by the present invention, it is possible to infer various implementation methods for processing the chargeable online account as a rechargeable prepaid card, but the present invention includes all the inferred implementation methods, whereby The invention is not limited.

For example, in FIG. 7, only the charging type online account application information is provided from the web server 100 to the information processing server 135. However, the present invention includes those skilled in the art. In addition to the rechargeable online account application information, the provisional processing consent information (or provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the rechargeable prepaid card processing consent information, and / Alternatively, the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) and the like may be inferred from the implementation method provided to the information processing server 135, but the present invention may provide the trail to the information processing server 135. Rules processing consent information (or false application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / A non face-to-face financial transaction agreement information (or a non-face-to-face financial transaction request information) contains the exemplary method is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 135 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or FIG. 6, a predetermined chargeable online account application information (and / or trailing rules) from the web server 100 shown in FIG. 1 to the server is shown. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) Financial transaction application information)), the server sends the rechargeable online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or the online account security information, and / or the financial transaction). The application information, and / or the chargeable prepaid card processing consent information, and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are read to determine whether the rechargeable online account can be opened (700). .

If it is not possible to open the chargeable online account based on the chargeable online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710). The web server 100 transmits the account opening error information to the customer terminal through a predetermined network means (715), thereby terminating the chargeable online account signing procedure based on the chargeable online account application information.

On the other hand, if it is possible to open the chargeable online account based on the chargeable online account application information (705), the server is linked to the financial system, the predetermined chargeable online account corresponding to the chargeable online account application information The service is opened on the financial system as a new provision (720), and the chargeable online account is processed as a rechargeable prepaid card in connection with the financial system (725).

According to the exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information as shown in FIG. It is desirable to treat the ledger corresponding to the type online account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, By replacing a password with a PIN (Personal Identification Number) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge, it corresponds to the rechargeable online account opened by the hidden opening unit 145. It is desirable to treat the ledger with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational connection with predetermined rechargeable prepaid card information in the online account ledger, as shown in FIG. It is desirable to treat the ledger corresponding to the type online account with a rechargeable prepaid card.

For example, the server deactivates the account number, product type, interest rate, password, etc. contained in the online ledger, and includes a prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid card PIN, etc. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the rechargeable online account opened by the hidden opening unit 145 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the rechargeable online account opened by the opening unit 145 with a rechargeable prepaid card.

For example, the server deactivates the account number, product type, interest rate, password, etc. contained in the online ledger, and includes a prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid card PIN, etc. By storing the rechargeable prepaid card information in a predetermined database linked to the ledger D / B registered with the online ledger, the ledger corresponding to the rechargeable online account opened by the temporary opening section 145 is rechargeable Processing with a prepaid card is preferred.

8 is a diagram illustrating a real name verification process for a rechargeable online account according to one embodiment of the present invention.

In more detail, FIG. 8 performs a real name verification process for the rechargeable online account processed with the rechargeable prepaid card through the process shown in FIG. 7 through the rechargeable online account registration system shown in FIG. The present invention relates to a process of processing a new financial account, which specifically relates to an implementation method of continuously providing at least one financial transaction through the rechargeable online account without the real name verification by automatically extending the real name verification expiration date.

Those skilled in the art to which the present invention pertains may refer to various embodiments of the present invention to infer various real names for checking the real name of the rechargeable online account treated with the rechargeable prepaid card. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 135 on the rechargeable online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, and a banking system including at least one of a TV banking system), in response to the information regarding the application for charging the online account, the real name of the customer applying for the chargeable online account for the charging online account. Periodically (and / or through a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, Customer real name identification from financial transaction systems including at least one TV banking system In response to the vent).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account request customer is not confirmed (805), the server checks whether the real name verification period for the rechargeable online account has elapsed in response to the charge online account application information in association with the financial system. Check (810).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (815), the server checks the customer's real name for the rechargeable online account processed with the rechargeable prepaid card. Repeat.

On the other hand, if the real name verification period for the rechargeable online account has elapsed in response to the chargeable online account application information (815), the server is associated with the financial system, the real name verification expiration date for the rechargeable online account (for example, the trail By automatically extending the real name verification expiration date included in the rule processing information (820), it is possible to continuously provide at least one or more financial transactions through the rechargeable online account without real name verification.

On the other hand, if the real name of the customer who applies for the rechargeable online account is confirmed within the real name verification period (805), the server connects the rechargeable online account processed with the rechargeable prepaid card to the original rechargeable online in association with the financial system. The account is returned to the account (825), and the chargeable online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, when the rechargeable online card in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, and the prepaid card charge is converted into the account balance. Reduced, the prepaid card interlock rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction details for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a real name verification process for a rechargeable online account processed with the rechargeable prepaid card through the process shown in FIG. 7 through the rechargeable online account registration system shown in FIG. A process of processing a new financial account of the bank account. Specifically, when the real name verification expiration date has elapsed, the amount of money deposited in the rechargeable online account is transferred to the original account (e.g., the predetermined amount is transferred to the rechargeable online account). The present invention relates to a method for retrieving an account (or another rechargeable online account) and dormant processing of the rechargeable online account.

Those of ordinary skill in the art to which the present invention pertains may refer to various examples of the present invention to infer various real names for checking the real name of the rechargeable online account processed with the rechargeable prepaid card. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 135 on the rechargeable online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system), verifying the real name of a customer who applied for a rechargeable online account for the rechargeable online account in response to the rechargeable online account application information. Periodically (and / or through a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including CD / ATM, Internet banking system, wireless banking system, telebanking system, home banking system, TV) Customer real name identification from financial transaction systems that include at least one banking system Confirms in response to the bit) 900. The

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account request customer is not confirmed (905), the server checks whether the real name verification period for the rechargeable online account has elapsed in response to the charge online account application information in association with the financial system. Check (910).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (915), the server checks the customer's real name for the rechargeable online account processed with the rechargeable prepaid card. Repeat.

On the other hand, if the real name verification period for the rechargeable online account has elapsed in response to the rechargeable online account application information (915), the server is linked with the financial system and the rechargeable online account in response to the rechargeable online account application information. The amount deposited in the bank account is returned to a predetermined original account (e.g., a financial account in which a predetermined investment amount (or deposit amount) is deposited into a rechargeable online account corresponding to the rechargeable online account application information), The chargeable online account is processed as a dormant account in response to the account application information (920).

On the other hand, if the real name of the customer who applies for the rechargeable online account is confirmed within the real name verification period (905), the server connects the rechargeable online account processed with the rechargeable prepaid card to the original rechargeable online in association with the financial system. The account is returned to the account (925), and the chargeable online account is processed into a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, when the rechargeable online card in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, and the prepaid card charge is converted into the account balance. Reduced, the prepaid card interlock rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

10 is a diagram illustrating a virtual account type online account registration system according to another embodiment of the present invention.

In more detail, FIG. 10 shows that when a predetermined customer terminal provides the chargeable online account application information to open a chargeable online account to a predetermined web server 1000 through a predetermined network means. The web server 1000 provides the chargeable online account application information provided from the customer terminal to a predetermined information processing server 1035 provided at a predetermined financial institution, whereby the information processing server 1035 provides the chargeable online account. The present invention relates to a system configuration for opening a rechargeable online account corresponding to application information. Specifically, a virtual account type rechargeable online account is opened using a real account in which the rechargeable online account is operated by a predetermined parent account operating institution. It is a figure which shows the system configuration.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 and use various forms in addition to a virtual account type chargeable online account having a real account operated by the parent account operating institution as a parent account. Although an implementation method for a system for registering a rechargeable online account may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may implement a system for registering a rechargeable online account in the form of a new account with the introduction of the prepaid card concept by referring to and / or modifying the drawing 10. It may be inferred that, but the present invention includes all the implementation method inferred, it is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a rechargeable online account registration system for registering a rechargeable online account in the form of a virtual account having a real account operated by the parent account operating institution as a parent account may include predetermined network means. Through the connection to a predetermined web server 1000 (e.g., a portal server, etc.) through a real name verification (e.g., financial real name under the Act on Real-name Financial Transactions and Confidentiality and Simultaneous Enforcement Decree (Presidential Decree 15744)). A client terminal requesting registration (or opening) of the rechargeable online account without confirmation) and providing predetermined charging online account application information corresponding to the registration (or opening) of the rechargeable online account to the web server 1000. And connected with the customer terminal through a predetermined network means to receive predetermined charge type online account application information from the customer terminal. A web server 1000 that provides charging online account application information to an information processing server 1035 provided at a predetermined financial institution, and the web server 1000 is connected to the web server 1000 through predetermined communication means. Receive the chargeable online account application information from), and based on the received chargeable online account application information to open the process of a chargeable online account corresponding to the chargeable online account application information in the customer's name as a new provision And an information processing server 1035 and a financial system for operating the on-line account processed by the provisional rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. An accounting system that handles window services, such as credits or receptions or trusts or foreign exchanges that occur at one or more branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to access the financial system, and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or another financial institution branch), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) and / or a wireless data communication network based on DataTAC / Mobitex. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based 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 telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) 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 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).

According to the present invention, a customer who registers a predetermined rechargeable online account through an online channel may use the web server through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The user accesses 1000 and receives various application services provided by the web server 1000.

Here, among the customer terminals, 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 connected to the TCP / IP based communication network. And / or at least one notebook, a home appliance terminal (eg, a set-top-box, etc.) connected to the TCP / IP based communication network, a kiosk, etc., connected to the TCP / IP based communication network, or the like. It is preferable to comprise including the above.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data. It comprises a wireless data communication terminal connected to a communication network including at least one are preferred.

The web server 1000 is a customer terminal including at least one or more of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network. It is preferable to include a portal server and / or a search server that provides a personalization service including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. .

According to the present invention, the information providing service provided by the web server 1000 to the customer terminal includes at least one financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). It characterized in that it comprises a, wherein the financial product information is characterized in that the customer comprises at least one or more chargeable online account product information for registering the rechargeable online account.

In addition, the web server 1000 is at least one or more for the customer to apply (or purchase) the financial product (eg, the rechargeable online account) through the network means including the wired and / or wireless communication network And providing a user interface to the customer terminal, wherein the customer terminal inputs (or selects) the predetermined chargeable online account application information through the user interface to include the wired communication network and / or the wireless communication network. It is characterized in that for transmitting to the web server 1000 via a network means.

To this end, the client terminal outputs at least one user interface provided from the web server 1000, and inputs and / or selects at least one or more rechargeable online account application information through the user interface to the web server. A function configuration (for example, a browser program and communication function or a predetermined communication program and communication function for communicating with the web server 1000, etc.) for transmitting to the 1000 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1000 as described above, and provide at least one rechargeable online account application information through the user interface. Since the characteristics of the customer terminal corresponding to at least one or more wired terminals and / or wireless terminals that are input and / or transmitted to the web server 1000 may be easily inferred, a detailed description thereof will be omitted for convenience. .

According to the embodiment of the present invention, the web server 1000 is characterized in that it comprises an interface unit 1005 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1005 may include the wired network and / or wireless. A communication interface for connecting at least one communication channel with a predetermined communication channel based on a protocol stack defined in a network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal. It is preferable to provide.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1005 connects a communication channel with the customer terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the customer terminal is provided with a communication program provided by the web server 1000, the interface unit 1005 connects the communication channel with the customer terminal based on the TCP / IP protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be configured with the customer terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1005 communicates with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Referring to FIG. 10, the web server 1000 may connect a predetermined customer terminal to the web server 1000 through the interface unit 1005 and / or apply for a chargeable online account. And a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) which allows the customer terminal to input (or select) and transmit predetermined charging type online account application information from the client terminal. Information for receiving predetermined charge-type online account application information that is input (or selected) and transmitted from the customer terminal through the user interface in conjunction with the interface providing unit 1010 provided to the terminal and the interface unit 1005. An information relay unit 10 for providing a receiving unit 1020 and the received charging type online account application information to an information processing server 1035 included in a financial institution through a predetermined communication means. And 30).

In addition, the web server 1000 is linked to the interface unit 1005 to at least one or more customer terminals a search service including at least one or more information / content, and / or a personalization service including a mini homepage / blog, and And / or a web service unit 1015 for providing a web-based service including at least one or more mail services, and / or messenger services, and / or various information providing services. Those skilled in the art will be familiar with how the web server 1000 provides the web-based service to at least one or more customer terminals in order to perform the functions of the portal server and / or the search server. Detailed description thereof will be omitted for convenience.

In addition, the web server 1000 is a chargeable online account received from the customer terminal through the information receiving unit 1020 for the post-management of the chargeable online account application information received through the information receiving unit 1020. Rechargeable online account issuance information including application information or including at least one or more chargeable online account information generated by the information processing server 1035 based on the chargeable online account application information. And an information storage unit 1025 for storing the chargeable online account issuance information, wherein the chargeable online account issuance information is received from the customer terminal. Application information), virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable that the at least one further comprises.

The interface providing unit 1010 corresponds to a functional configuration provided in the customer terminal when a predetermined customer terminal is connected to the web server 1000 through the interface unit 1005 and / or when applying for a chargeable online account. Generate a predetermined user interface capable of inputting (or selecting) the rechargeable online account application information to the web server 1000 via the network means, and / or extracting from a predetermined database (not shown); In addition, the user interface may be provided to the customer terminal through the network means, in connection with the interface unit 1005, the user interface generated (or extracted from a predetermined web source D / B (not shown)).

Thereafter, the client terminal inputs (or selects) the rechargeable online account application information based on the user interface, and transmits the input (or selected) rechargeable online account application information through the network means to the web server ( 1000).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may be provided as a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracts from a predetermined web source D / B (not shown)), and generates through the interface unit 1005 (or extracts from a predetermined web source D / B (not shown)). It is desirable to provide a customized user interface to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 is provided as a browser program and / or a communication program provided in the wireless terminal. Generate a predetermined user interface possible (or extract from a predetermined web source D / B (not shown)), and extract from the generated (or predetermined web source D / B (not shown) through the interface unit 1005. It is desirable to provide a user interface) to the customer terminal.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined charge-type online account application information from the customer terminal in the web server 1000 may include at least one online account product (or financial product). It is preferable that the customer comprises an interface for selecting at least one or more online account products (or financial products) to apply (or purchase).

In addition, when the online account product corresponding to the chargeable online account application information corresponds to the online account in the form of free and withdrawal, the user interface for receiving (or selecting) the chargeable online account application information is the chargeable online. And an interface for outputting online account product details such as the name of the rechargeable online account product and interest rate information corresponding to an account product to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. The user interface for receiving (or selecting) the rechargeable online account application information when the online account product corresponding to the rechargeable online account application information corresponds to an online account in the form of a financial investment product. Rechargeable online account Outputting the online account product details such as the name of the rechargeable online account product corresponding to the product, the investment period and the expected return information to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. It is preferred to include an interface.

In addition, the user interface for receiving (or selecting) the chargeable online account application information, outputs the terms and conditions information corresponding to the chargeable online account product to the customer terminal, the interface that the customer agrees to the terms and conditions It is preferable to comprise.

The user interface for receiving (or selecting) the rechargeable online account application information may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the rechargeable online account product. And an interface for inputting predetermined financial account information (eg, original account information for depositing a predetermined amount into an online account) for depositing (or transferring) an amount into the rechargeable online account.

In addition, the user interface for inputting (or selecting) the rechargeable online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile number) for the customer applying for the rechargeable online account product. , An address, an e-mail address, etc.) and / or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1000. It is preferable to comprise.

Thereafter, the customer terminal provides online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products through the user interface, and the rechargeable online account products. Inputting (or selecting) the chargeable online account application information including corresponding terms and conditions agreement information, the chargeable online account deposit amount information, and at least one customer information for the chargeable online account applicant; Through the transmission to the web server 1000.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include an account password for an online account corresponding to the rechargeable online account application information, and / or the rechargeable type. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password for processing at least one non-face-to-face financial transaction through the online account.

In addition, the rechargeable online account security information may include a predetermined personal identification number (PIN) and / or for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further include customer wireless terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 1000 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to server 1000.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 1000 in order to secure the back. desirable.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the rechargeable online account application information may be configured until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Provision of provisional terms and conditions and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before verification of the financial real name of the rechargeable online account) Trail processing output information to the customer terminal, the customer agrees to the new provisions terms and conditions and the new processing period information, and / or the trail that the customer applies for a new processing for the rechargeable online account Preferably, the interface further includes an interface for inputting (or selecting) the rule application information.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information) and is transmitted to the web server 1000 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include a real account for operating the online account corresponding to the rechargeable online account application information in the parent account operating institution. In order to open a virtual account form as a mother account, input the mother account manager information including at least one of the parent account managers and the virtual account processing information including the mother account information corresponding to the real account operated by the mother account manager. Or an interface to be selected).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Then, the virtual account processing information input (or selected) is transmitted to the web server 1000 through the network means, or the virtual account processing information is further included in the chargeable online account application information. Transmission to the web server 1000 via a network means.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). At least one customer account has not been opened and / or the customer who has applied for the rechargeable online account has never processed a financial transaction with the financial institution, and enters (or selects) the rechargeable online account application information. The user interface for receiving further comprises an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with the financial institution to the customer terminal, and confirming that the customer has agreed to the financial transaction application terms. Preferably, when the customer is a financial transaction customer of the financial institution The interface may be omitted, or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or when the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer The interface for applying for the financial transaction to a financial institution may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. The financial server application information is transmitted to the web server 1000 through the network means, or the financial server application information (not shown) is further included in the chargeable online account application information. In FIG. 10, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened and / or the customer applying for the rechargeable online account has no history of financial transactions with the financial institution), and / or the customer applying for the rechargeable online account to the financial institution. User interface for entering (or selecting) the rechargeable online account application information if the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member). At least one non-face-to-face financial transaction channel with the financial institution as the client terminal Output non-face-to-face financial terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) to process one or more non-face-to-face financial transactions; And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for which the customer agrees to the non-face-to-face financial transaction agreement information, and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction. It is preferable to comprise.

The non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, and / Or when the non-face-to-face financial transaction authentication is omitted for the financial transaction using the rechargeable online account, the customer may process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or applying for) non-face-to-face financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction request information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or After inputting (or selecting) non-face-to-face financial transaction application information, the web server 1000 transmits the input (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the network means. Or the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information, and transmits the same to the web server 1000 through the network means.

When the customer terminal inputs (or selects) predetermined charge-type online account application information through the user interface and transmits it through the network means, the information receiving unit 1020 interworks with the interface unit 1005 to charge the charge. And receiving the type online account application information, and providing the received rechargeable online account application information to the information relay unit 1030 and / or the information storage unit 1025.

Here, the chargeable online account application information may include at least one online account product selection information for selecting at least one online account product that the customer applies (or purchases) from the plurality of online account products, and the chargeable online account product. It is preferable that the information includes agreement information and at least one or more of the chargeable online account deposit amount information.

In addition, the customer terminal inputs (or selects) predetermined charge-type online account security information through the user interface and transmits it through the network means, or the charge-type online account security information is transmitted from the customer terminal. When the information is included in the online account application information and transmitted, the information receiving unit 1020 may receive the rechargeable online account security information in association with the interface unit 1005. The information relay unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal inputs (or selects) predetermined false information processing consent information (or false information request information) through the user interface and transmits the information through the network means, or at the customer terminal, accepts the false information processing agreement. When the information (or the provisional application information) is transmitted in the chargeable online account application information, the information receiving unit 1020 works in conjunction with the interface unit 1005 and the provisional processing agreement information (or provisional application information) ) And provide the received provisional processing agreement information (or provisional application information) to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the client terminal inputs (or selects) virtual account processing information including the parent account operating institution information and the mother account information through the user interface and transmits the information through the network means, or the virtual account address at the client terminal. When the information is included in the chargeable online account application information and transmitted, the information receiver 1020 receives the virtual account processing information including the mother account management institution information and the mother account information in cooperation with the interface unit 1005. The received virtual account processing information is provided to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or sends the financial transaction application information from the customer terminal to the rechargeable online account application information. If included in the transmission, the information receiving unit 1020 is characterized in that for receiving the financial transaction application information in conjunction with the interface unit 1005, and the received information on the financial transaction application information relay unit 1030 And / or information storage 1025.

In addition, the client terminal inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits the data through the network means, or at the customer terminal, When the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted to the rechargeable online account application information, the information receiving unit 1020 cooperates with the interface unit 1005 to agree to the non-face-to-face financial transaction agreement. Information (or non-face-to-face financial transaction application information), wherein the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received by the information relay unit 1030 and / or information storage unit. Provided at 1025.

The information storage unit 1025 stores the chargeable online account application information received through the information receiving unit 1020 in the chargeable online account issuing information and stores the information on the predetermined storage medium. Web server 1000 (or web server 1000 operating institution) based on the chargeable online account application information stored in the storage medium on the basis of receiving a fee for attracting customers for the chargeable online account application from the financial institution To provide.

When the rechargeable online account security information is received through the information receiving unit 1020, the information storage unit 1025 is a rechargeable online account obtained by linking the rechargeable online account security information to the rechargeable online account application information. And issuing information is stored in the storage medium, wherein the rechargeable online account security information is stored in the web server 1000 (or a financial transaction server using the rechargeable online account) at least using the rechargeable online account. Used to authorize one or more financial transactions.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information storage unit 1025 may add the provisional processing agreement information (or information) to the rechargeable online account application information. Rechargeable online account issuance information linked to the new provision application information is stored in the storage medium, and the new provision processing agreement information (or new provision application information) is the web server 1000 (or the A financial transaction server using a rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1020, the information storage unit 1025 links the virtual account processing information to the rechargeable online account application information. Characterized in that the stored online account issuing information stored in the storage medium, the virtual account processing information is the web server 1000 (or financial transaction server using the rechargeable online account) the rechargeable online It provides a basis for processing at least one or more financial transactions using the rechargeable online account based on a virtual account that is the parent account operated by the parent account management institution until the financial real name of the account is confirmed.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information storage unit 1025 agrees to the non-face-to-face financial transaction application to the rechargeable online account application information. Rechargeable online account issuance information linked to the information (or non-face-to-face financial transaction application information) is stored in the storage medium, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is The web server 1000 (or the financial transaction server using the rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

According to the embodiment of the present invention, the information storage unit 1025 is opened by the information processing server 1035 a predetermined charge-type online account corresponding to the chargeable online account application information, the web server 1000 The chargeable online account information opened by the information processing server 1035 to process at least one or more financial transactions using the chargeable online account (or a financial transaction server using the chargeable online account). Rechargeable online account information, which is further included in the chargeable online account issuing information, is stored in a storage medium, or the chargeable online account application information included in the chargeable online account issuing information is opened by the information processing server 1035. It is preferable to replace with, and thereby the present invention is not limited.

Here, the rechargeable online account information may include an online account number in the form of a virtual account number generated by the provisional opening unit 1045 and the virtual account processing unit 1050 of the information processing server 1035, and the rechargeable online account. It is preferable to include the account holder information corresponding to the customer information included in the application information, the web server 1000 operating institution information and the financial institution information in which the rechargeable online account is opened.

The information relay unit 1030 is an information processing server provided in a financial institution corresponding to the chargeable online account product through a predetermined communication means for the chargeable online account application information received through the information receiving unit 1040 ( 1035) and relay transmission.

Here, the communication means for connecting the web server 1000 and the information processing server 1035 may be a dedicated communication network that blocks access by a third party other than the web server 1000 and the information processing server 1035, and / or Secure communication network that provides a secure communication function between the web server 1000 and the information processing server 1035 (eg, the web server 1000 encrypts the chargeable online account application information by a predetermined encryption method and the information processing server). And a communication network for transmitting the chargeable online account application information through a decryption method corresponding to the encryption method in the information processing server 1035).

When the rechargeable online account security information is received through the information receiving unit 1040, the information relay unit 1030 corresponds to the rechargeable online account product through the predetermined communication means. It is characterized in that the transmission to the information processing server 1035 provided in the financial institution, thereby the information processing server 1035 is the rechargeable online account in the web server 1000 to the financial system provided in the financial institution Open a rechargeable online account that can process financial transactions with security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1040, the information relay unit 1030 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the information to the information processing server 1035 included in the financial institution corresponding to the rechargeable online account product, thereby providing the information processing server 1035 to the financial system provided in the financial institution. A chargeable online account corresponding to the chargeable online account application information is opened under a new provision.

When the financial transaction application information is received through the information receiver 1040, the information relay unit 1030 includes the financial transaction application information in a financial institution corresponding to the rechargeable online account product through a predetermined communication means. Characterized in that it is relayed to the information processing server 1035, whereby the information processing server 1035 is provided with the financial institution, even if the customer who is applying for the rechargeable online account is not a conventional customer of the financial institution. The system opens a rechargeable online account corresponding to the rechargeable online account application information in a form that enables at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1040, the information relay unit 1030 is the charge-type through the communication means through the predetermined account means; And relaying the information to the information processing server 1035 provided at the financial institution corresponding to the online account product, whereby the information processing server 1035 requests the rechargeable online account to the financial system provided at the financial institution. A chargeable online account corresponding to the information is opened in the form of a virtual account in which the real account operated by the parent account operating institution is the parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1040, the information relay unit 1030 is the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed and transmitted to a data processing server 1035 provided in a financial institution corresponding to the rechargeable online account product through a predetermined communication means, whereby the information processing server 1035 transmits the information to the financial institution. In the financial system provided in the web server 1000, a rechargeable online account for processing a financial transaction using the rechargeable online account in a non-face-to-face manner is opened.

According to another exemplary embodiment of the present invention, when the information processing server 1035 has a web server 1000 function and / or the information processing server 1035 is a predetermined banking server, the information relay unit ( 1030 links and relays the customer terminal and the information processing server 1035 so that the information processing server 1035 receives the rechargeable online account application information (and / or the new processing agreement information) from the customer terminal. Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) It is possible to relay to directly provide a predetermined user interface for receiving the information, whereby the information processing server 1035 is charged from the customer terminal via a predetermined network means. Type online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- It is possible to directly receive the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 1000 and the information processing server 1035 relays at least one web server 1000 and the information processing server 1035, and / or the A predetermined relay server (not shown) which relays the web server 1000 and the at least one information processing server 1035 and / or relays the at least one web server 1000 and the at least one information processing server 1035. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 10, the information processing server 1035 may be charged online account application information (and / or false information processing consent information (or false information request information)) provided from the web server 1000 through the communication means. And / or an information receiver for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 1040, and a provisional opening unit 1045 (or an account) that opens a chargeable online account corresponding to the chargeable online account application information received through the information receiving unit 1040 in association with a predetermined financial system (or an account). Opening means) and a virtual account processing unit 1050 (or opening an account) for processing a charge-type online account opened as the new account in the form of a virtual account using a real account operated by the mother account operating institution as a parent account. Means), a provisional management unit 1055 (or an account opening means) for managing the virtual account type online account before the real name confirmation for the customer requesting the online account, and the chargeable online account application information A real name verification unit 1060 (or an account opening means) for confirming whether a real name of the financial transaction application customer for the rechargeable online account opened in a new provision is confirmed within a predetermined real name confirmation period, and the rechargeable online account. In response to the application information, when the real name of the open-type rechargeable online account is confirmed in response to the application information, a new account processing unit 1065 (or an account opening means) for processing the open-type charged online account as the new financial account. It is characterized by comprising a).

The information receiving unit 1040 is a chargeable online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online account security provided from the web server 1000 via the communication means Information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Type online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 1045.

Rechargeable online account application information (and / or provisional processing consent information (or provisional application information)) and / or online account security information provided from the web server 1000 according to one embodiment of the present invention, and / Or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)), the information receiving unit 1040 the encrypted rechargeable online Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The new provision opening unit 1045 is the chargeable online account application information (and / or new provision processing agreement information (or new provision application information)) from the web server 1000 through the information receiving unit 1040, and / Or if online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided. Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) Read the transaction agreement information (or non-face-to-face financial transaction application information) and read the recharged online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or the on-line through a predetermined financial system). Personal account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the provisional opening section 1045 is the chargeable online account application information (and / or provisional processing consent information (or provisional application information), and / or the online account security information, and / or financial transaction application information , And / or opening a rechargeable online account corresponding to the virtual account processing information, and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) on a temporary basis is provided on the financial system. The Rechargeable Online Account Application Information (and / or Tentative Processing Agreement Information (or Tentative Application Information)), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Virtual Accounts in General Ledger D / B. A predetermined customer ledger (which may be omitted if the customer ledger is already registered) and / or at least one or more online corresponding to processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And registering an account ledger (eg, a reception ledger corresponding to the chargeable online account application information).

According to an embodiment of the present invention, the online ledger for the rechargeable online account corresponding to the rechargeable online account application information corresponds to a newly opened rechargeable online account based on the rechargeable online account application information. It is preferable to register with the ledger D / B in the form of an account ledger, and store predetermined false information for managing the chargeable online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the rechargeable online account corresponding to the rechargeable online account application information is a virtual account associated with a predetermined parent account based on the rechargeable online account application information. It is preferable to be registered in the ledger D / B in the form of an account ledger corresponding to the above, wherein the parent account is to register the customer financial account, or the rechargeable online account already opened in the ledger D / B on the financial system To this end, it is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the financial system, thereby the present invention is not limited.

The rechargeable online account corresponding to the registered online ledger is not a real name financial account corresponding to the Financial Real Estate Transaction and Confidentiality Act and the Concurrent Order (Presidential Decree No. 15744), and thus the non-real name financial account. Financial transactions through KL are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the rechargeable online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the provisional opening unit 1045 may be configured to provide the rechargeable online account application information (and / or provisional processing agreement information (or provisional application information)) received through the web server 1000, and / or the online account. External systems provided in the financial system based on security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure (eg, a procedure of registering a predetermined online ledger) for opening the rechargeable online account in association with the information system, and provides the result to the virtual account processing unit 1050.

If the person skilled in the art to which the present invention pertains, the provisional opening unit 1045 opens the rechargeable online account in association with the financial system (for example, to register a predetermined online ledger). Since you will be familiar with the detailed procedure, detailed description thereof will be omitted for convenience.

The virtual account processor 1050 is configured to process the real account operated by the parent account operating institution as a virtual account of the rechargeable online account (or online account ledger) opened by the provisional opening unit 1045. It is characterized by.

According to the embodiment of the present invention, it is preferable that the online account ledger corresponding to the chargeable online account processed in the form of a virtual account having a real account operated by the mother account operating institution as the parent account includes the conventional virtual account ledger information. In addition, real account ledger information (eg, ledger information including an account number following an account number system corresponding to a real account) that can be processed as a new account in the form of a real account when the financial real name of the rechargeable online account is confirmed. Preferably, it is preferably made, and it is preferable that the real account operated by the parent account operating institution is treated as a virtual account in the form of a parent account before the real name confirmation of the rechargeable online account.

According to another embodiment of the present invention, the online account ledger corresponding to the chargeable online account processed in the form of a virtual account having a real account operated by the parent account operating institution as a parent account is a real account operated by the parent account operating institution. May include virtual account ledger information (eg, ledger information including account number conforming to a virtual account number system) as a parent account, and in this case, the virtual account ledger information when the financial real name of the rechargeable online account is confirmed. It is possible to convert (or replace) to real account ledger information (eg, ledger information including an account number conforming to an account number system corresponding to a real account), whereby the present invention is not limited.

Thereafter, the new provision management unit 1055 processes the real online account operated by the parent account management institution as a virtual account before the real name confirmation for the customer who applied for the rechargeable online account opened the charge-type online account opened as the new provision It is characterized by operating.

According to the method of the present invention, the provisional management unit 1055 is to deposit the deposit amount to the virtual account when a predetermined amount is deposited (or transferred) to the rechargeable online account through the financial system. And depositing the deposit amount into a real account corresponding to the parent account of the virtual account.

In addition, when a predetermined amount is withdrawn (or transferred) to the rechargeable online account through the financial system, the provisional management unit 1055 processes the withdrawal amount to withdraw the amount deposited in the virtual account. (For example, withdrawal processing of the withdrawal amount from the real account corresponding to the parent account of the virtual account).

In addition, when interest is calculated for the amount of money deposited in the rechargeable online account through the financial system, the new management unit 1055 uses a virtual account as a mother account to operate the interest in the parent account operating institution. It is characterized in that it is treated as the interest of a rechargeable online account in the form of an account.

As described above, by processing a real account operated by the parent account operating institution as a virtual account as the parent account, the new account management unit 1055 controls the financial real name transaction and confidentiality until the real name of the rechargeable online account is verified. To prevent violations of the law and concurrent decrees (Presidential Decree No. 15744).

The real name verification unit 1060 is the law on the financial real-name system trading and confidentiality while the charge-type online account opened by the new provision establishment section 1045 is managed by the new provision management section 1055 and According to the financial real name verification procedure corresponding to the concurrent act (Presidential No. 15744), it is characterized in that whether the real name of the customer for the charge-type online account application is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 1060 may use the real name of the customer who applied for the rechargeable online account for the rechargeable online account through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to confirm that this is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is an Internet banking customer corresponding to the financial institution ( For example, when the financial institution has performed a real name verification process for the customer who applied for the rechargeable online account), the real name verification unit 1060 may perform the real name verification process defined in the Internet banking system. It is desirable to verify that the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is a wireless banking customer corresponding to the financial institution. (For example, when the financial institution has performed a real name verification process for the customer who applied for the rechargeable online account), the real name verification unit 1060 may perform a certificate-based real name verification process defined in the wireless banking system. It is preferable to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another embodiment of the present invention, a customer who is applying for a rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is requesting a charging online account is a telebanking and / or home corresponding to the financial institution. In the case of a banking and / or TV banking customer (for example, the financial institution has performed a real name verification procedure for the rechargeable online account application customer), the real name verification unit 1060 may be connected to the wireless banking system. It is possible to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed through the defined certificate-based real name verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 1060 is provided in the financial system (or provided to a financial institution) so as to confirm the real name for the customer of the charge-type online account application within a predetermined real name verification period It is desirable to periodically request the customer to apply for the real name of the rechargeable online account using the telemarketing function.

Alternatively, the real name verification unit 1060 is a DM (Direct Mail) provided in the financial system (or provided in a financial institution) in order to confirm the real name of the customer for the rechargeable online account application within a predetermined real name verification period. It is desirable to periodically request the customer to apply for the online account using the rechargeable online account using the function).

Alternatively, when the customer is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, the real name verification unit 1060 checks the real name of the customer for the rechargeable online account application within a predetermined real name verification period. To this end, a customer who applies for the rechargeable online account may use a terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or wirelessly. During a banking-based financial transaction, and / or a telebanking-based financial transaction, and / or a home banking-based financial transaction, and / or a TV banking-based financial transaction, the rechargeable online account applicant in connection with the financial transaction system is charged to the customer. It is a good idea to request that you perform the blindness verification process for your online account.

If a real name for the rechargeable online account application customer is confirmed within a predetermined real name verification period, the real name verification unit 1060 generates real name identification information for the customer for the rechargeable online account application and generates the new account processing unit ( 1065).

Alternatively, when the real name of the rechargeable online account application customer is confirmed within the predetermined real name verification period, the real name verification unit 1060 generates unrealized information about the rechargeable online account application customer to generate the new account. It is provided to the processing part 1065.

When the real name confirmation information is provided from the real name confirmation unit 1060, the real name confirmation information including the confirmed name of the customer for the charge-type online account application within the real name confirmation period, the new account processing unit 1065 is associated with the financial system Thus, the new on-line account processed by the new provision opening unit 1045 and / or new provision management unit 1055 is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 1060 including the real name of the customer for the charge-type online account application within the real name confirmation period, the new account processing unit ( 1065 is connected to the external system and / or information system provided in the financial system and all of the charge-type online account processed by the new provision opening unit 1045 and / or new provision management unit 1055 as a new provision It is desirable to treat as a valid new financial account where financial transactions are possible.

According to an embodiment of the present invention, when a lock is set such that the amount deposited with the opened rechargeable online account is not withdrawn by any financial transaction until the real name verification for the rechargeable online account is established, the new account processor 1065 preferably unlocks the chargeable online account in connection with the external and / or information systems provided in the financial system, whereby the chargeable online account processed by the pseudonym is The transaction is processed as a valid new financial account.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened rechargeable online account is linked with the rechargeable online account to prevent withdrawal. When transferred to a predetermined virtual account provided, the new account processing unit 1065 transfers the amount deposited in the withdrawal virtual account to the rechargeable online account in connection with the external and / or information systems provided in the financial system. It is desirable to withdraw (or re-transfer) and / or to remove (or erase) the withdrawal virtual account, whereby the provisional online account that has been processed with the provisional payment is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a new account processing mother account for the chargeable online account, and the opened charge online account withdrawal prevention function associated with the new account processing mother account When the predetermined amount is deposited (or deposited) into the chargeable online account processed as the virtual account equipped with the withdrawal prevention function by being processed with the provided virtual account, the new account processing unit 1065 sends to the financial system. Release the withdrawal prevention function of the chargeable online account processed as the virtual account with the withdrawal prevention function in association with the external and / or information system provided, and provide the virtual account function associated with the parent account for the new provision processing (Or erase) to process the chargeable online account, whereby the chargeable online account is processed by the pseudonym. Is treated as a valid financial transaction is possible new financial account.

According to the method of the present invention, when the new account processing unit 1065 processes the chargeable online account as a valid new financial account capable of all financial transactions, the information receiving unit 1040 determines the date of establishment of the chargeable online account. Rechargeable online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtualization from web server 1000 Date of receipt of account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or the provisional opening unit 1045 hides the rechargeable online account on the financial system. It is preferable to apply retrospectively to any one of the dates established by the beef.

11 is a diagram showing the configuration of the charging online account ledger information according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates an online account ledger of a virtual account method in which a ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. It is shown that the stored on-line account ledger information in accordance with the virtual account ledger information, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modified the drawing 11 and the ledger D Although it is possible to infer various information constituting methods for storing chargeable online ledger information in accordance with the virtual account ledger information in an online account ledger having a real account of the parent account operating institution in / B, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is 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 ledger, 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 is omitted for convenience. .

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Including 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 a personal customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger for registering a virtual account type of the chargeable online account associated with the mother account as the real account of the parent account operating institution through the chargeable online account registration system shown in FIG. And a virtual account associated with the mother account which stores the mother account manager's customer ledger information using the parent account manager as a financial transaction customer and makes the real account of the mother account manager through the chargeable online account registration system shown in FIG. It is desirable to store customer ledger information corresponding to a customer who has registered a form of a rechargeable online account.

Here, the customer ledger information and the customer ledger information corresponding to the customer who registered the rechargeable online account satisfies the configuration of the customer ledger information as described above, and the customer who opens the rechargeable online account As a conventional financial transaction customer of a financial institution, when the ledger D / B is provided with a customer ledger of a customer who opens the rechargeable online account, the customer ledger corresponding to the customer who registered the rechargeable online account is the customer ledger. It is preferable to use as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the parent account management institution is relationally associated with a customer ledger of the mother account management institution, and at least one financial account of the financial account of the mother account operating institution is the drawing. It is preferable to correspond to the parent account of the virtual account corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG.

Here, among the account ledgers of the parent account management institution, the account ledger corresponding to the mother account of the virtual account corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 10 is relationally associated with the online account ledger. It is preferred to be connected.

The online ledger corresponds to an account ledger corresponding to a parent account of a virtual account corresponding to a charged online account registered through the chargeable online account registration system shown in FIG. 10 among at least one financial account corresponding to the mother account operating institution. And the online account ledger information includes an information structure including the mother account number and the mother account operating institution information in addition to basic ledger information such as the account ledger.

That is, as shown in FIG. 11, the rechargeable online account ledger information provided in the virtual ledger also includes an information structure including the mother account number and the mother account operating institution information in the basic account ledger information.

12 is a diagram showing the configuration of the chargeable online account ledger information according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a real account of the parent account management institution through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Shows an information structure for linking in the form of a virtual account having a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing of FIG. While various online information ledgers may be inferred through a predetermined virtual account processing information, various information configuration methods may be inferred in the form of a virtual account having the parent account as the parent account. It is not limited to the implementation method shown in FIG.

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 will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. All.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, 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.

According to an embodiment of the present invention, the customer ledger for registering a virtual account type of the chargeable online account associated with the mother account as the real account of the parent account operating institution through the chargeable online account registration system shown in FIG. And a virtual account associated with the mother account which stores the mother account manager's customer ledger information using the parent account manager as a financial transaction customer and makes the real account of the mother account manager through the chargeable online account registration system shown in FIG. It is desirable to store customer ledger information corresponding to a customer who has registered a form of a rechargeable online account.

Here, the customer ledger information and the customer ledger information corresponding to the customer who registered the rechargeable online account satisfies the configuration of the customer ledger information as described above, and the customer who opens the rechargeable online account As a conventional financial transaction customer of a financial institution, when the ledger D / B is provided with a customer ledger of a customer who opens the rechargeable online account, the customer ledger corresponding to the customer who registered the rechargeable online account is the customer ledger. It is preferable to use as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, amount of time extension, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes the account number, abstention (months), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including at least one, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date and the number of shares, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the parent account management institution is relationally associated with a customer ledger of the mother account management institution, and at least one financial account of the financial account of the mother account operating institution is the drawing. It is preferable to correspond to a parent account for processing a charged online account registered through the charged online account registration system shown in FIG. 10 as a virtual account.

Here, among the account ledgers of the parent account management institution, the account ledger corresponding to the mother account of the virtual account corresponding to the charged online account registered through the charged online account registration system shown in FIG. 10 is processed online with the virtual account. It is desirable to be linked to the ledger.

The online ledger includes the same basic ledger information as the ledger, and includes an online account number and a mother account corresponding to the mother account for processing the rechargeable online account as a virtual account among the financial accounts of the parent account management institution. By including the virtual account processing information including at least one of the number and at least one of the parent account management information (for example, mother account management information) as additional information, the rechargeable online account to the financial account of the parent account management institution mother account The virtual account processing information is matched with the rechargeable online account application information and the virtual account processing information received from the customer terminal on the rechargeable online account registration system shown in FIG. It is preferable to be.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the rechargeable online account in the form of the virtual account, and the rechargeable online account number preferably follows the real account number system. However, according to the intention of those skilled in the art, the virtual account number system may be followed, and the present invention is not limited thereto.

The mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the rechargeable online account as a virtual account among account numbers in the name of the mother account operating institution. desirable.

The mother account management institution information of the virtual account processing information preferably includes the mother account management institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, infer the configuration of the rechargeable online account ledger information associated with the account ledger of the parent account management institution through the virtual account processing information based on the account ledger information configuration Since it can be, a detailed description thereof will be omitted for convenience.

13 is a diagram showing the configuration of the chargeable online account ledger information according to another embodiment of the present invention.

More specifically, FIG. 13 shows predetermined virtual account processing information as shown in FIG. 12 in a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. As shown in the present invention, an information structure for linking a real account of the parent account management institution in the form of a virtual account as a parent account and further linking and processing the new account information for processing a predetermined account in the online ledger is provided. Those skilled in the art may refer to and / or modify the drawing 13 to display a predetermined online account ledger in the ledger D / B through a predetermined virtual account processing information for a real account of the parent account management institution. It can be inferred from the various information configuration method to process in a virtual account form in the form of a virtual account having a parent account, but the present invention is Includes all embodiments and methods, it shall not be limited to the exemplary method shown in the figure 13.

Referring to FIG. 13 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 is omitted for convenience. .

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, 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.

According to an embodiment of the present invention, the customer ledger for registering a virtual account type of the chargeable online account associated with the mother account as the real account of the parent account operating institution through the chargeable online account registration system shown in FIG. And a virtual account associated with the mother account which stores the mother account manager's customer ledger information using the parent account manager as a financial transaction customer and makes the real account of the mother account manager through the chargeable online account registration system shown in FIG. It is desirable to store customer ledger information corresponding to a customer who has registered a form of a rechargeable online account.

Here, the customer ledger information and the customer ledger information corresponding to the customer who registered the rechargeable online account satisfies the configuration of the customer ledger information as described above, and the customer who opens the rechargeable online account As a conventional financial transaction customer of a financial institution, when the ledger D / B is provided with a customer ledger of a customer who opens the rechargeable online account, the customer ledger corresponding to the customer who registered the rechargeable online account is the customer ledger. It is preferable to use as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the parent account management institution is relationally associated with a customer ledger of the mother account management institution, and at least one financial account of the financial account of the mother account operating institution is the drawing. It is preferable to correspond to a parent account for processing a charged online account registered through the charged online account registration system shown in FIG. 10 as a virtual account.

Here, among the account ledgers of the parent account management institution, the account ledger corresponding to the mother account of the virtual account corresponding to the charged online account registered through the charged online account registration system shown in FIG. 10 is processed online with the virtual account. It is desirable to be linked to the ledger.

The online ledger includes the same basic ledger information as the ledger, and includes an online account number and a mother account corresponding to the mother account for processing the rechargeable online account as a virtual account among the financial accounts of the parent account management institution. By including the virtual account processing information including at least one of the number and at least one of the parent account management information (for example, mother account management information) as additional information, the rechargeable online account to the financial account of the parent account management institution mother account The virtual account processing information is matched with the rechargeable online account application information and the virtual account processing information received from the customer terminal on the rechargeable online account registration system shown in FIG. It is preferable to be.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the rechargeable online account in the form of the virtual account, and the rechargeable online account number preferably follows the real account number system. However, according to the intention of those skilled in the art, the virtual account number system may be followed, and the present invention is not limited thereto.

The mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the rechargeable online account as a virtual account among account numbers in the name of the mother account operating institution. desirable.

The mother account management institution information of the virtual account processing information preferably includes the mother account management institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, infer the configuration of the rechargeable online account ledger information associated with the account ledger of the parent account management institution through the virtual account processing information based on the account ledger information configuration Since it can be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a chargeable online account registered through the chargeable online account registration system shown in FIG. 10 is a virtual account that does not have a real name verification. The chargeable online account is preferably handled in a state of false positive, and for this purpose, the chargeable online account ledger information provided in the online account ledger preferably includes predetermined false information processing as additional information.

The provisional opening unit 1045 and / or the provisional management unit 1055 of the information processing server 1035 shown in FIG. 10 are connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including at least one of a virtual account number (or online account number) corresponding to the online account, a new establishment date, a real name verification expiration date, a real name verification period extension, and a deposit before the real name verification; Preferably, the generated new transaction information is stored in association with additional information corresponding to the online ledger, and the new transaction information is received from a customer terminal on the rechargeable online account registration system shown in FIG. It is preferably generated based on the charging online account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 10, in accordance with the intention of the person skilled in the art, the provisional processing consent information (or new application information) in the process of registering the rechargeable online account Is omitted, the trailing process information may also be omitted in accordance with the intention of those skilled in the art, whereby the present invention is not limited.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with a chargeable online account in the form of the virtual account. The virtual account number (or online account number) It is preferable to follow the real account number system, according to the intention of the skilled person may follow the virtual account number system, whereby the present invention is not limited.

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date when the real name verification period is extended after the real name verification expiration date. If the real name of the customer who is applying for the online charging account is not expired within the expiration date, it is preferable to repeatedly extend the real name of the customer who is applying for the online charging account.

Further, the pre-real name verification deposit of the provisional processing information may be established from at least one other real account (or other rechargeable online account) before the real name of the customer applying for the rechargeable online account for the rechargeable online account is confirmed. When a predetermined amount is deposited into the chargeable online account, as the amount information deposited into the chargeable online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the invention, the information contained in the provisional processing information is stored in the form of information included in the online ledger (not shown), and / or other ledgers other than the online ledger (eg, It is possible to be stored in the form of additional information added to the customer ledger, and / or in the form of information contained in other ledgers (for example, the customer ledger) other than the online account ledger, whereby the present invention is not limited.

14 is a view showing an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a virtual account according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates that when the web server 1000 shown in FIG. 10 provides a predetermined user interface with a user account for charging, the user terminal receives the user interface through the user interface. Input (or select) predetermined rechargeable online account application information to the web server 1000 through a predetermined network means, and apply for the rechargeable online account through the predetermined communication means in the web server 1000. As a process for providing information to the information processing server 1035 provided in the financial institution, those skilled in the art to which the present invention pertains, the customer terminal by referring to and / or modified in this figure 14 Infers various implementation methods for providing the chargeable online account application information to the information processing server 1035 through the web server 1000 in FIG. Would be, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, the customer terminal provides only the chargeable online account application information to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the server 1000 to the customer terminal, in addition to the rechargeable online account application information, the new terminal processing consent information (or the new application information), and / or the online account security information, in the customer terminal, and / Or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be inferred, but the present invention can be inferred At the terminal, the provisional processing agreement information (or provisional application information), and / or online account security information, and / or financial transaction application information, And / or a method of providing virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 1000 in response to a security function provided in the communication means for connecting the web server 1000 and the information processing server 1035 The chargeable online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual account processing information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the chargeable online account application information (and / or trail processing agreement information (or trail) from the information processing server 1035. Rule application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). Would be able to infer the exemplary method of the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 14, the customer terminal illustrated in FIG. 10 connects to the web server 1000 through a network means including at least one wired and / or wireless communication network (1400), and the web server 1000. At least one web-based service provided by the (1405), at this time, the web-based service screen provided by the web server 1000 to the customer terminal on the predetermined charge online for registering the rechargeable online account Preferably, a menu interface for requesting an account application user interface is included.

Accordingly, while the web server 1000 provides the at least one web-based service to the customer terminal as described above, the web server 1000 may be configured to register the rechargeable online account from the customer terminal using the rechargeable online account application user interface. It periodically checks whether a user interface requesting a rechargeable online account is requested (1410). If the financial product requesting interface is requested from the customer terminal (1415), the web server 1000 provides a predetermined number to provide to the customer terminal. A chargeable online account subscription user interface is generated (or extracted from a predetermined web source D / B (not shown)) (1420), and the chargeable online account subscription user interface is provided to the mobile terminal through the network means; (1425).

Thereafter, the customer terminal inputs (or selects) predetermined rechargeable online account application information through the rechargeable online account application user interface (1430), and the rechargeable online account application information is applied (or purchased) by the customer. To the online account product selection information for selecting at least one online account product, the terms and conditions agreement information corresponding to the chargeable online account product, the chargeable online account deposit amount information, and the chargeable online account application customer. It is preferable to include at least one customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information to the web server 1000 through the network means (1435).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, and / or at least one non-face to face through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the financial transaction.

The rechargeable online account security information may also include a predetermined personal identification number (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without a certificate. Or customer radio terminal information is further included, and the present invention is not limited thereby.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 1000 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to server 1000.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 1000 in order to secure the back. desirable.

According to an embodiment of the present invention, the rechargeable online account application user interface may process the rechargeable online account in a temporary manner until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms and conditions information and provisional processing period information (e.g., the period in which the provisional online account is treated as a provisional provision before confirming the financial real name of the rechargeable online account) to the client terminal; Enter (or select) provisional processing consent information for which the customer agrees to the provisional provisioning information and provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the rechargeable online account. It is preferable to include an interface).

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 1000 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include a real account for operating the online account corresponding to the rechargeable online account application information in the parent account operating institution. In order to open a virtual account form as a mother account, input the mother account manager information including at least one of the parent account managers and the virtual account processing information including the mother account information corresponding to the real account operated by the mother account manager. Or selection).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Thereafter, the input (or selected) virtual account processing information is transmitted to the web server 1000 through the network means, or the virtual account processing information is further included in the chargeable online account application information. It transmits to the web server 1000 through a means.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, and / or the rechargeable online account request customer has never processed a financial transaction with the financial institution). And an interface for outputting financial transaction application condition information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application condition.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or when the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer The interface for applying for the financial transaction to a financial institution may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 1000 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened and / or the customer applying for the rechargeable online account has no history of financial transactions with the financial institution), and / or the customer applying for the rechargeable online account to the financial institution. If the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, or a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface is connected to the financial institution through the client terminal. Deal with at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel Non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

The non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, and / Or when the non-face-to-face financial transaction authentication is omitted for financial transactions using the rechargeable online account, the customer processes at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or applying for) a non-face-to-face financial transaction can be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. Alternatively, the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the rechargeable online account application information and transmitted to the web server 1000 through the network means.

Thereafter, the web server 1000 may include the rechargeable online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and And / or receives virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) and stores the received information in a predetermined storage medium (1440).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 1000 (or the web server 1000 operator) and the information processing server 1035 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 1000 transmits the charged online account application information to the information processing server 1035 through a predetermined communication means (1445), and the information processing server 1035 transmits the information through the communication means. The rechargeable online account application information provided from the web server 1000 is received (1450).

15 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 15, when the web server 1000 shown in FIG. 10 provides a predetermined user interface for charging a user account with the customer, the user terminal may provide a user with the user interface. Input (or select) and encrypt predetermined rechargeable online account application information to provide to the web server 1000 through predetermined network means, and decrypt the rechargeable online account application information in the web server 1000. By the predetermined communication means for providing the charging online account application information to the information processing server 1035 provided in the financial institution, if the person having ordinary knowledge in the technical field to which the present invention belongs, Referring to FIG. 15 and / or modified to the information processing server 1035 through the web server 1000 in the customer terminal the charge-on The account would be able to infer the various exemplary method of providing application information, the present invention includes all of the exemplary method of the inference, not limited by the exemplary method shown in the figure 15.

For example, in FIG. 15, the customer terminal provides only the chargeable online account application information to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the server 1000 to the customer terminal, in addition to the rechargeable online account application information in the customer terminal, provisional processing agreement information (or provisional application information), and / or online account security information, and / Or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be inferred, but the present invention can be inferred At the terminal, the provisional processing agreement information (or provisional application information), and / or online account security information, and / or financial transaction application information, And / or a method of providing virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 1000 in response to a security function provided in the communication means for connecting the web server 1000 and the information processing server 1035 The chargeable online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual account processing information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the chargeable online account application information (and / or trail processing agreement information (or trail) from the information processing server 1035. Rule application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). Would be able to infer the exemplary method of the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 15, the customer terminal illustrated in FIG. 10 connects to the web server 1000 through network means including at least one or more wired and / or wireless communication networks (1500), and the web server 1000. At least one web-based service provided by the (1505), at this time, the web-based service screen provided by the web server 1000 to the customer terminal in the predetermined charge online for registering the rechargeable online account It is preferable to include a menu interface for requesting an account application user interface.

Accordingly, while the web server 1000 provides the at least one web-based service to the customer terminal as described above, the web server 1000 may be configured to register the rechargeable online account from the customer terminal using the rechargeable online account application user interface. The web server 1000 periodically checks whether a user interface request for a rechargeable online account is requested (1510). If the financial product request interface is requested from the customer terminal (1515), the web server 1000 includes a predetermined security function. Generate (or extract from a predetermined web source D / B (not shown)) 1520 and provide the rechargeable online account subscription user interface to the mobile terminal through the network means; (1525)

Here, the security function provided in the user interface for the rechargeable online account application may include a function of encrypting the charging online account application information input (or selected) by the customer terminal using a predetermined encryption method and / or the rechargeable online account. It comprises at least one function of attaching the electronic signature of the customer to the application information, preferably in the form of a security program linked to the user interface for the online application for charging, wherein the security program is the charging type Preferably, at least one encryption key for encrypting the online account application information is provided.

In addition, the security function (and / or security program) may further include an official certificate having at least one or more encryption keys for encrypting the rechargeable online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal inputs (or selects) predetermined rechargeable online account application information through the rechargeable online account application user interface (1530), and the rechargeable online account application information is applied (or purchased) by the customer. To the online account product selection information for selecting at least one online account product, the terms and conditions agreement information corresponding to the chargeable online account product, the chargeable online account deposit amount information, and the chargeable online account application customer. It is preferable to include at least one customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information according to a predetermined encryption method through a security function provided in the user interface for the chargeable online account application. Encrypt (and / or attach the electronic signature of the customer to the rechargeable online account application information) (1535) and transmit the encrypted rechargeable online account application information to the web server 1000 via the network means. (1540).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, and / or at least one non-face to face through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the financial transaction.

In addition, the rechargeable online account security information may include a predetermined personal identification number (PIN) and / or for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further include customer wireless terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 1000 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to server 1000.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 1000 in order to secure the back. desirable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Input (or select) false provisional processing consent information to agree with the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information to which the customer applies for provisional processing for the rechargeable online account; It is preferable to include an interface to make.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information) and is transmitted to the web server 1000 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include a real account for operating the online account corresponding to the rechargeable online account application information in the parent account operating institution. In order to open a virtual account form as a mother account, input the mother account manager information including at least one of the parent account managers and the virtual account processing information including the mother account information corresponding to the real account operated by the mother account manager. Or selection).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Thereafter, the input (or selected) virtual account processing information is transmitted to the web server 1000 through the network means, or the virtual account processing information is further included in the chargeable online account application information. It transmits to the web server 1000 through a means.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, and / or the rechargeable online account request customer has never processed a financial transaction with the financial institution). And an interface for outputting financial transaction application condition information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application condition.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or when the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer The interface for applying for the financial transaction to a financial institution may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 1000 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened and / or the customer applying for the rechargeable online account has no history of financial transactions with the financial institution), and / or the customer applying for the rechargeable online account to the financial institution. If the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, or a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface is connected to the financial institution through the client terminal. Deal with at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel To display non-face-to-face financial transaction terms and conditions information (e.g., Internet banking terms and conditions, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

The non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, and / Or when the non-face-to-face financial transaction authentication is omitted for the financial transaction using the rechargeable online account, the customer may process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or applying for) non-face-to-face financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. Alternatively, the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the rechargeable online account application information and transmitted to the web server 1000 through the network means.

The web server 1000 receiving the encrypted charging online account application information through the network means decrypts the charging online account application information with a decryption method corresponding to the encryption method (1545), and decrypts the decrypted online account application information. Rechargeable online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored in a predetermined storage medium (1540).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 1000 (or the web server 1000 operator) and the information processing server 1035 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 1000 transmits the charged online account application information to the information processing server 1035 through a predetermined communication means (1545), and the information processing server 1035 transmits the information through the communication means. The rechargeable online account application information provided from the web server 1000 is received (1550).

16 is a diagram illustrating a process of processing a chargeable online account into a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 16, the information processing server 1035 shown in FIG. 10 opens a predetermined chargeable online account based on the chargeable online account application information provided from the web server 1000. The process of processing an online account as a virtual account of a real account operated by the parent account operating institution as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16. Various implementation methods for processing a chargeable online account as a virtual account based on the chargeable online account application information provided to the information processing server 1035 shown in FIG. 10 as a real account operated by the parent account operating institution. It may be inferred that, but the present invention includes all of the inferred implementation method, whereby the present invention is not limited The.

For example, in FIG. 16, only the charging online account application information is provided from the web server 1000 to the information processing server 1035. However, those skilled in the art to which the present invention pertains will be described. , In addition to the chargeable online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- While it is possible to infer an implementation method in which face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 1035, the present invention may process the hidden information by the information processing server 1035. Consent information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transactions It includes an implementation method in which consent information (or non-face-to-face financial transaction application information) is further provided, whereby the present invention is not limited.

Hereinafter, in FIG. 16, the information processing server 1035 shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 16, through the process shown in FIG. 14 and / or FIG. 15, predetermined chargeable online account application information (and / or false positive processing) from the web server 1000 shown in FIG. 10 to the server is shown. Consent information (or new application information), and / or online account security information, and / or financial application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial application) Information)), the server may provide the rechargeable online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, And / or read the virtual account processing information and / or the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to confirm whether the rechargeable online account can be opened (1600).

If it is not possible to open the rechargeable online account based on the rechargeable online account application information (1605), the server generates the account opening error information and provides it to the web server 1000 (1610). The web server 1000 transmits the account opening error information to the customer terminal through a predetermined network means (1615), thereby terminating the chargeable online account signing procedure based on the chargeable online account application information.

On the other hand, if it is possible to open the rechargeable online account based on the rechargeable online account application information (1605), the server is linked with the financial system, the predetermined rechargeable online account corresponding to the rechargeable online account application information The system is established as a new bank on the financial system (1620), and the chargeable online account is processed as a virtual account using the parent account operated by the parent account operating institution in connection with the financial system (1625). .

According to an exemplary embodiment of the present invention, the server adds the parent account number corresponding to the real account operated by the parent account operating institution to the provisional processing information added to the online account ledger as shown in FIG. It is preferable to process the ledger corresponding to the charge-type online account opened by the establishing unit 1045 into a virtual account that uses the real account operated by the parent account operating institution as the parent account.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the rechargeable online account and a predetermined mother account corresponding to the rechargeable online account in the online ledger as shown in FIG. 12. The virtual account processing information including the manager information and the mother account information is linked in a relational manner, so that the ledger corresponding to the rechargeable online account opened by the provisional opening unit 1045 is operated by the mother account manager. It is preferable to treat the account as a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a predetermined database linked to the ledger D / B in which the online ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the charge-type online account opened by the establishing unit 1045 into a virtual account whose mother account is the real account operated by the mother account operating institution.

17 is a diagram illustrating a real name verification process for a rechargeable online account according to an embodiment of the present invention.

In more detail, FIG. 17 is a chargeable type processed as a virtual account using a real account operated by the parent account operating institution through the process shown in FIG. 16 through the chargeable online account registration system shown in FIG. A process of performing a real name verification process for an online account to process a predetermined new financial account. Specifically, the real name verification expiration date is automatically extended to perform at least one financial transaction through the rechargeable online account without real name verification. It is about the implementation method to provide continuously.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to realize a real name for a rechargeable online account processed as a virtual account having a real account operated by the parent account operating institution as a parent account. It will be able to infer various implementation methods to confirm, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 17, the information processing server 1035 on the rechargeable online account registration system shown in figure 10 is referred to as " server " for convenience.

Referring to FIG. 17, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, and a TV banking system), in response to the above-mentioned information on the online application for charging, the real name of the customer for the online application for the charging online account. Periodically (and / or through a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, Customer real name identification from financial transaction system including at least one TV banking system Confirms in response to the event) (1700).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account application customer is not confirmed (1705), the server checks whether the real name verification period for the rechargeable online account has passed in response to the charging online account application information in association with the financial system. Check (1710).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (1715), the server is charged with a virtual account having a real account operated by the mother account management institution as the parent account. Repeat the process to verify the customer's real name for your online account.

On the other hand, if the real name verification period for the rechargeable online account has elapsed in response to the chargeable online account application information (1715), the server, in conjunction with the financial system, the real name verification expiration date (e.g., trail By automatically extending the real name verification expiration date included in the rule processing information (1720), it is possible to continuously provide at least one or more financial transactions through the rechargeable online account without real name verification.

On the other hand, if the real name of the customer who is applying for the rechargeable online account is confirmed within the real name verification period (1705), the server processes the real account operated by the parent account management institution in the form of a virtual account in connection with the financial system. The chargeable online account is returned to the original chargeable online account (1725), and the chargeable online account is processed as a new financial account whose real name is confirmed in connection with the financial system (1730).

According to an embodiment of the present invention, when processing a virtual account type chargeable online account having a real account operated by the mother account management institution as the new financial account, the chargeable online account ledger information is the real account ledger information. In the case of including, the server is preferred to process the charge-type online account as a new financial account of the real name by erasing the provisional processing information and / or virtual account processing information added to the online ledger. Do.

Alternatively, when the virtual account type chargeable online account having a real account operated by the parent account management institution as the new financial account, the server adds the pseudonym processing information and / or added to the online account ledger. By erasing the virtual account processing information and replacing (or converting) the rechargeable online account ledger information with real account ledger information, it is preferable to process the rechargeable online account as a new financial account whose real name is confirmed.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, in association with the financial system as the provisional opening date (1735).

18 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

More specifically, FIG. 18 is a chargeable type processed as a virtual account using a real account operated by the parent account operating institution through the process shown in FIG. 16 through the chargeable online account registration system shown in FIG. This is a process of performing a real name verification process for an online account and processing it into a predetermined new financial account. The present invention relates to a method for retrieving a financial account (or other rechargeable online account) in which a predetermined amount has been transferred to an online account, and dormant processing of the rechargeable online account.

Persons of ordinary skill in the art to which the present invention pertains, the real name of the chargeable online account treated as a virtual account having a real account operated by the parent account operating institution by referring to and / or modifying the drawing 18. It will be possible to infer various implementation methods to confirm, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 18, the information processing server 1035 on the rechargeable online account registration system shown in figure 10 is referred to as " server " for convenience.

Referring to FIG. 18, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, and a TV banking system), in response to the above-mentioned information on the online application for charging, the real name of the customer for the online application for the charging online account. Periodically (and / or through a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, Customer real name identification from financial transaction system including at least one TV banking system Confirms in response to the event) (1800).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account request customer is not confirmed (1805), the server checks whether the real name verification period for the rechargeable online account has expired in response to the charge online account application information in association with the financial system. Check (1810).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (1815), the server is charged with a virtual account having a real account operated by the parent account management institution as the parent account. Repeat the process to verify the customer's real name for your online account.

On the other hand, if the real name verification period for the rechargeable online account has passed in response to the rechargeable online account application information (1815), the server is linked with the financial system and the rechargeable online account in response to the rechargeable online account application information. The amount deposited in the bank account is returned to a predetermined original account (e.g., a financial account in which a predetermined investment amount (or deposit amount) is deposited into a rechargeable online account corresponding to the rechargeable online account application information), In response to the account application information, the rechargeable online account is processed as a dormant account (1820).

On the other hand, if the real name of the customer who is applying for the rechargeable online account is confirmed within the real name verification period (1805), the server processes the real account operated by the parent account operating institution in the form of a virtual account in connection with the financial system. The chargeable online account is returned to the original chargeable online account (1825), and the chargeable online account is treated as a new financial account whose real name is confirmed in association with the financial system (1830).

According to an embodiment of the present invention, when a virtual account type chargeable online account having a real account operated by the mother account management institution as the new financial account is processed, the chargeable online account ledger information is the real account ledger information. In the case of including, it is preferable that the server processes the chargeable online account as a new financial account whose real name is confirmed by erasing the provisional processing information and / or the virtual account processing information added to the online ledger. .

Alternatively, when the virtual account type chargeable online account having a real account operated by the mother account management institution as the new financial account, the chargeable online account ledger information is added to the online account ledger. By clearing the provisional processing information and / or virtual account processing information and replacing (or converting) the rechargeable online account ledger information with real account ledger information, the rechargeable online account is transferred to a new financial account whose real name is confirmed. It is preferable to process.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (1835).

19 illustrates a value type online account registration system according to an embodiment of the present invention.

In more detail, Fig. 19 is a web server 1900 provided in a predetermined value-type online account registrar (or financial institution) through a predetermined network means at a predetermined customer terminal. If a value-based online account application information is provided to open an online account for registering a value-based online account for depositing the value of the coupon, the value-added online account application provided from the customer terminal in the web server 1900 is applied. The present invention relates to a system configuration for opening an online account corresponding to the value type online account application information by providing the information to a predetermined information processing server 1935 provided at a predetermined financial institution. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to make the value online. Although an implementation method for the account registration system may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, various types of vouchers and discount coupons and value accounts for depositing the value of the vouchers and discount coupons are not limited to value online accounts registered through the value online account registration system shown in FIG. The value account may include various vouchers, discount coupons and financial accounts for depositing the value of the vouchers and discount coupons among real accounts opened in the name of the customer, and the value online account shown in FIG. 19. It is evident that a value-based online account registered through the registration system can also be transferred to a value-type account in the form of a real account after a predetermined real name verification.

In addition, although the value-based online account registration system shown in FIG. 19 in which the value-based online account is registered is shown as registering a value-based online account at the customer terminal, the present invention is not limited thereto. It is possible to collectively register in a value-based online account affiliate, the present invention is characterized in that it comprises a value-based online account registration method of the batch registration method.

Referring to FIG. 19 according to an embodiment of the present invention, a value-based online account registration system for depositing various vouchers, discount coupons, and the value of the vouchers and discount coupons is provided through a predetermined web server (1900). ) Request a value online account registration (or opening), and provides a value-based online account application information corresponding to the value online account registration (or opening) to the web server 1900. And an information processing server connected to the customer terminal through a predetermined network means to receive predetermined value type online account application information from the customer terminal, and to provide the received value type online account application information to a predetermined financial institution. The web server 1900 provided to the 1935 and the web server 1900 are connected to the web server 1900 through a predetermined communication means, and the value type on from the web server 1900. An information processing server for receiving line account application information and processing and opening an online account corresponding to the value type online account application information in the name of the customer based on the received value type online account application information (1935); ), And a financial system for operating the online account processed by the new provisions.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, wherein the financial account is operated by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (e.g., a wireless data communication network based on a DataTAC / Mobitex method). Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based 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 telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) 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 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).

According to the present invention, a customer who registers a predetermined value type online account through an online channel may use the web server through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. 1900, and receives various application services provided by the web server 1900.

Here, among the customer terminals, the wired terminal connected to the wired communication network is a generic term of all terminal devices connected to a communication control protocol based on TCP / IP, and is connected to the TCP / IP based communication network. A computer and / or notebook, or a home appliance terminal (e.g., Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network, can be used. It is preferable to include one or more.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data. It comprises a wireless data communication terminal connected to a communication network including at least one are preferred.

The web server 1900 may register the value online account at a web server 1900 provided to register the value online account at the financial institution, or a value online account registrar affiliated with the financial institution. A search service including at least one or more information / content to a web server 1900 provided for the user, or a client terminal including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, the information providing service provided by the web server 1900 to the customer terminal includes at least one voucher information that is sold to (or requested to open) at least one customer through the financial institution online. It is characterized by including the discount coupon information.

In addition, the web server 1900 may be configured to at least create a value-based online account for depositing a value corresponding to the voucher information or discount coupon by the customer through network means including the wired communication network and / or the wireless communication network. And providing one or more user interfaces to the customer terminal, wherein the customer terminal inputs predetermined value type online account application information for depositing a value corresponding to the voucher information or discount coupon through the user interface ( Or) to transmit to the web server 1900 through a network means including the wired communication network and / or the wireless communication network.

To this end, the client terminal outputs at least one user interface provided from the web server 1900, and inputs and / or selects at least one value-based online account application information through the user interface to the web server ( A function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the web server 1900, etc.) for transmitting to the 1900 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1900 as described above, and provide at least one value-based online account application information through the user interface. Since the characteristics of the customer terminal corresponding to at least one or more wired terminals and / or wireless terminals that are input and / or transmitted to the web server 1900 may be easily inferred, a detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, the web server 1900 is characterized in that it comprises an interface unit 1905 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1905 may include the wired network and / or wireless. A communication interface for connecting a predetermined communication channel with the customer terminal based on a protocol stack defined in a network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal. It is preferable to provide.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1905 connects a communication channel with the customer terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the customer terminal is provided with a communication program provided by the web server 1900, the interface unit 1905 connects the communication channel with the customer terminal based on the TCP / IP protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 may be connected with the customer terminal based on a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1905 communicates with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Referring to FIG. 19, the web server 1900 is connected to the web server 1900 through a interface 1905 and / or when applying for a value-based online account. In conjunction with the customer terminal to generate (or select) a predetermined user interface for inputting (or selecting) predetermined value-type online account application information (or extracting from a predetermined web source D / B (not shown)) to the customer. An interface providing unit 1910 provided to a terminal, and in connection with the interface unit 1905 to receive predetermined value type online account application information transmitted (or selected) through the user interface from the customer terminal An information relay unit 1 which provides an information receiver 1920 and the received value type online account application information to an information processing server 1935 provided in a financial institution through a predetermined communication means. And 930).

In addition, the web server 1900 is connected to the interface unit 1905, at least one or more of the customer terminal, a search service including at least one or more information / content, and / or a personalization service including a mini homepage / blog, and And / or a web service unit 1915 for providing a web-based service including at least one or more mail services, and / or messenger services, and / or various information providing services. Those skilled in the art will be familiar with how the web server 1900 provides the web-based service to at least one client terminal to perform the functions of the portal server and / or the search server. Detailed description thereof will be omitted for convenience.

In addition, the web server 1900 is applied for the value-based online account received from the customer terminal through the information receiving unit 1920 for the post-management of the value-type online account application information received through the information receiving unit 1920 The value-type online account issuance information, which includes information or comprises at least one or more value-based online account information generated by the information processing server 1935 based on the value-based online account application information, is provided as a predetermined value type. And an information storage unit 1925 for storing in the online account registration D / B.

The interface providing unit 1910 is a value corresponding to the functional configuration provided in the customer terminal when a predetermined customer terminal accesses the web server 1900 and / or applies for an online account through the interface unit 1905. Generate a predetermined user interface capable of inputting (or selecting) type online account application information and transmitting it to the web server 1900 via the network means, and / or extract from a predetermined database (not shown), The user interface may be provided to the customer terminal through the network means by providing a user interface generated through the interface unit 1905 (or extracted from a predetermined web source D / B (not shown)).

Thereafter, the client terminal inputs (or selects) the value-based online account application information on the basis of the user interface, and transmits the input (or select) value-based online account application information through the network means to the web server ( 1900).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may be provided as a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracts from a predetermined web source D / B (not shown)), and generates through the interface unit 1905 (or extracts from a predetermined web source D / B (not shown)). It is desirable to provide a customized user interface to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 is provided as a browser program and / or a communication program provided in the wireless terminal. Generates a predetermined user interface possible (or extracts from a predetermined web source D / B (not shown)) and extracts from the generated (or predetermined web source D / B (not shown) through the interface unit 1905. It is desirable to provide a user interface) to the customer terminal.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined value type online account application information from the customer terminal in the web server 1900 may include at least one of a voucher and a discount coupon. It is preferred to include an interface for selecting at least one value online account to apply for.

According to another exemplary embodiment of the present invention, the user interface for selecting the value-based online account may be configured to deposit a value corresponding to at least one voucher and a discount coupon in the future without selecting the voucher and the discount coupon. It is possible to include an interface for selecting a type online account.

The user interface for receiving (or selecting) the value-based online account application information may include a value corresponding to a predetermined voucher (or a discount coupon) and the voucher (or a discount coupon) in the selected predetermined value-type online account. Or a plurality of vouchers (or discount coupons) and a plurality of vouchers (or discount coupons) corresponding to the selected predetermined value-value online account. It is desirable to include an interface for selecting a value type online account attribute to deposit the value of the dog.

According to another exemplary embodiment of the present invention, when the value-type online account attributes are collectively designated according to a preset policy, the user interface for selecting the value-type online account attributes may be omitted, thereby limiting the present invention. No.

In addition, the user interface for receiving (or selecting) the value-based online account application information includes an interface for outputting the terms and conditions information corresponding to the value-based online account to the customer terminal, and the customer agrees to the terms and conditions. It is preferable to make it.

In addition, the user interface for receiving (or selecting) the value-based online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, Address, e-mail address, etc.), and / or input (or select) the customer member information (eg, customer ID information, password information) included in the web server 1900. It is preferable to make it.

Then, the customer terminal through the user interface of the value-based online account selection information corresponding to at least one or more value-based online account selected by the customer of the plurality of value-based online account, and the at least one or more selected value-based online account Value-added online account attribute information corresponding to the selection information, value-based online account application information including at least one or more of the terms and conditions agreement information corresponding to the value-based online account, and customer information for the customer of the value-based online account application; Input (or select) and transmit to the web server 1900 via the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the value-based online account application information may include a system for registering a rechargeable online account shown in FIG. 1 or 10 before registering the value-based online account. A pre-registered recharged online account including at least one prepaid card type online account (or a virtual account type online account) registered in the name of the customer through the bank account, or a real account of the customer name in the financial system And if previously registered, further comprises a user interface for inputting (or selecting) at least one or more of the rechargeable online account information to be associated with the valued online account, or prior to registering the valued online account. Rechargeable real account including at least one real account of the financial institution If registered in the, it is preferable to further comprise a user interface for inputting (or selecting) the chargeable real account information.

When an interface for inputting (or selecting) the rechargeable online account information (or the rechargeable real account information) is provided to the customer terminal, the client terminal may provide the rechargeable online account information (or the rechargeable real account) through the interface. Input (or select) rechargeable account information including at least one of the information) and transmit it to the web server 1900 through the network means, or the rechargeable online account information ( Or it is preferable to further include the chargeable account information including at least one chargeable real account information) to the web server 1900 via the network means.

In addition, when the user interface for inputting (or selecting) the value-based online account application information further includes a user interface for inputting (or selecting) the chargeable account information, the chargeable account information and the value-type It is preferable to further comprise a user interface for inputting (or selecting) value-type account linking attribute information for linking the online account.

When the user terminal is provided with a user interface for inputting (or selecting) value-type account interworking attribute information for linking the chargeable account information and the value-based online account to the customer terminal, the customer terminal communicates with the chargeable account through the interface. Enter (or select) value-type account linking attribute information for linking the value-based online account and transmit it to the web server 1900 through the network means, or link the value-type account to the value-based online account application information. It is preferable to further include the attribute information to be transmitted to the web server 1900 through the network means.

When the customer terminal inputs (or selects) predetermined value type online account application information through the user interface and transmits the information through the network means, the information receiving unit 1920 interworks with the interface unit 1905 to provide the value. And receiving the type online account application information, and provide the received value type online account application information to the information relay unit 1930 and / or the information storage unit 1925.

According to an embodiment of the present invention, the value-based online account application information may include value-based online account selection information for selecting at least one or more value-based online accounts selected by the customer among the plurality of value-based online accounts, and the selected at least one selected value. A value-based online account attribute information corresponding to one or more value-based online account selection information, agreement agreement information corresponding to the value-based online account, and at least one customer information for the value-based online account application customer. It is preferable.

The value-based online account selection information may include at least one value-based online application that the customer applies to register among at least one or more value-based online accounts that can be registered through the value-based online account registration system shown in FIG. It is preferable to include an account.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the value-type online account selection information includes at least one value-type online account corresponding to at least one voucher issuer (or discount coupon issuer). It is preferable to include information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information for depositing only the value corresponding to the discount coupon, wherein the value type online account selection information is a predetermined value type corresponding to a plurality of voucher issuers (or discount coupon issuers). It is preferable to include information for selecting an online account.

The agreement information corresponding to the value-based online account preferably includes information indicating that the customer has agreed to the terms defined by the financial institution in response to the value-based online account.

Customer information for the value-based online account application customer may input (or select) customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer, and / or Preferably, the web server 1900 includes at least one or more pieces of customer member information (eg, customer ID information and password information).

In addition, the customer terminal inputs (or selects) predetermined chargeable online account information (or chargeable real account information) through the user interface and transmits the data through the network means, or at the customer terminal, the chargeable online When the account information (or chargeable real account information) is included in the value-type online account application information and transmitted, the information receiver 1920 cooperates with the interface unit 1905 to provide the chargeable online account information (or chargeable). Receivable account information including at least one real account information) characterized in that for receiving.

In addition, when the customer terminal inputs (or selects) value-type account interworking attribute information for linking the chargeable account and the value-based online account through the user interface, the information receiving unit 1920 transmits the interface unit. In operation 1905, the value type account interworking attribute information may be received.

According to an embodiment of the present invention, when at least one or more online accounts matching each voucher (or discount coupon) for each online account are selected through the value-type online account selection information, the value-type account linked attribute information is It is preferable to include attribute information for interworking the chargeable account (eg, chargeable online account information or chargeable real account information) with the selected at least one or more valued online accounts in a one-to-many manner.

According to another exemplary embodiment of the present invention, when a predetermined online account matching a plurality of vouchers (or discount coupons) is selected through the value type online account selection information, the value type account interworking attribute information may include the chargeable account ( For example, it is preferable to include the attribute information for one-to-one interworking with the selected on-line account information or charged real account information).

The information storage unit 1925 stores predetermined value type online account issuing information including the value type online account application information received through the information receiving unit 1920 in a predetermined value type online account registration D / B. In this case, when the web server 1900 is provided in an affiliated institution other than a financial institution, the affiliated institution is configured to provide the financial information based on the value-based online account application information stored in the value-based online account registration D / B. It provides a basis for receiving a fee for attracting customers of the value-based online account application from the institution.

The chargeable account information including at least one of the rechargeable online account information (or the rechargeable real account information) through the information receiving unit 1920, and the value of linking the rechargeable account with at least one value online account. When the account-type account interworking attribute information is received, the information storage unit 1925 links the value-type online account information (or the charge-type real account information) and the value-type account interworking attribute information to the value-type online account application information. Value-based online account issuance information is made by storing in the value-based online account registration D / B.

According to the method of the present invention, the information storage unit 1925 is the information processing server 1935 at least one or more value-based online account corresponding to the value-based online account application information is opened, the web server ( The value-added online account information registered by the information processing server 1935 to process at least one additional service corresponding to the value-based online account at 1900 is further included in the value-based online account issuance information. It is preferable to store value online account application information stored in the type online account registration D / B or included in the value online account issuance information with value online account information registered by the information processing server 1935. The present invention is not limited thereto.

The information relay unit 1930 corresponds to the value type online account (eg, corresponding to the value type online account) through the value type online account application information received through the information receiving unit 1940 through a predetermined communication means. It is characterized in that the relay transmission to the information processing server (1935) provided in the financial institution that the online account is opened.

Here, the communication means for connecting the web server 1900 and the information processing server 1935 may be a dedicated communication network that blocks access by a third party other than the web server 1900 and the information processing server 1935, and / or A secure communication network (eg, the web server 1900) encrypts the value-based online account application information by a predetermined encryption method to provide a secure communication function between the web server 1900 and the information processing server 1935. And a communication network for transmitting the value-type online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 1935.

Through the information receiving unit 1940, the chargeable account information including at least one or more of the chargeable online account information (or chargeable real account information), and the value of linking the chargeable account and at least one or more value type online account When the type account interworking attribute information is received, the information relay unit 1930 is configured to include the account information and the chargeable account information including at least one of the chargeable online account information (or chargeable real account information). Relaying to the information processing server 1935 provided in a predetermined financial institution corresponding to the value-based online account (for example, an online account corresponding to the value-based online account is opened) through a predetermined communication means. In this way, the information processing server (1935) is opened based on the value-type account linked attribute information and the charge-type account information Even if it is desirable to associate the treatment of one or more value-Online account.

According to another exemplary embodiment of the present invention, when the information processing server 1935 is equipped with a web server 1900 function and / or the information processing server 1935 is a predetermined banking server, the information relay unit ( 1930 is connected to the customer terminal and the information processing server 1935 to relay, so that the information processing server 1935 and the value-based online account application information (or the value-based online account application information from the customer terminal); It is possible to relay directly to a predetermined user interface for receiving the chargeable account information and the value-type account interworking attribute information, whereby the information processing server 1935 from the customer terminal through a predetermined network means It is possible to directly receive the value type online account application information, whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 1900 and the information processing server 1935 relays at least one or more web servers 1900 and the information processing server 1935, and / or the A predetermined relay server (not shown) for relaying a web server 1900 and at least one information processing server 1935 and / or relaying at least one web server 1900 and at least one information processing server 1935. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 19, the information processing server 1935 may provide value online account application information (or the value online account application information and chargeable account information and value) provided from the web server 1900 through the communication means. The value-type online account selection information included in the value-type online account application information received through the information receiving unit 1940 and the value-type online account application information received through the information receiving unit 1940 in association with a predetermined financial system. And a value-based online account opening unit 1945 (or an account opening means) that opens at least one corresponding value-based online account. The chargeable account information and the information receiving unit 1940 are provided. When the value-type account interworking attribute information is further received, the charged-type account information and the registered based on the value-type account interworking attribute information And an account information registration unit 1950 (or account information registration means) for storing at least one value type online account information in a predetermined storage medium (or ledger D / B).

The information receiving unit 1940 is characterized in that for receiving the value-based online account application information provided from the web server 1900 through the communication means, the value-based online account application information received Provided to the establishment section (1945).

According to an embodiment of the present invention, when the value type online account application information provided from the web server 1900 is encrypted, the information receiving unit 1940 further includes a function of decrypting the encrypted value type online account application information. It is preferable to make it.

When the value-based online account application information is provided from the web server 1900 through the information receiving unit 1940, the value-based online account opening unit 1945 may include the value included in the value-based online account application information. Check the value type online account application information and the value type online account attribute information, and link the predetermined value type online account selection information with a predetermined financial system based on the identified value type online account application information and value type online account attribute information. Opening a corresponding at least one value online account.

Here, the value-based online account opening unit 1945 to open a value-based online account corresponding to the value-based online account application information, the value-based online account application to the ledger D / B provided on the financial system A predetermined customer ledger corresponding to the information (can be omitted if the customer ledger is already registered) and at least one valued online account ledger corresponding to the valued online account selection information (eg, at least one voucher and a discount coupon) And a ledger for depositing a value corresponding to the voucher and the discount coupon).

When the rechargeable account information and the account interworking attribute information are further received through the information receiving unit 1940, the account information registering unit 1950 registers the rechargeable account information and the registration based on the value-type account interworking attribute information. And storing at least one value-based online account information in a predetermined storage medium (or ledger D / B).

According to an embodiment of the present invention, when the chargeable online account information and the account interworking attribute information are further received through the information receiving unit 1940, the account information registration unit 1950 is the chargeable online account information on the ledger. It is preferable to link and process the predetermined rechargeable online account ledger corresponding to the at least one registered online account ledger, and the rechargeable online account information and the registered at least one value type according to the intention of a person skilled in the art. It is preferable to store the online account information in a predetermined storage medium in a cooperative process.

According to another exemplary embodiment of the present invention, when the real account information and the account interworking attribute information are further received through the information receiving unit 1940, the account information register unit 1950 is configured as the real account on the ledger. It is preferable to link the predetermined account ledger corresponding to the information with the registered at least one value online online ledger, and according to the intention of the person skilled in the art, the chargeable real account information and the registered at least one value online account. It is desirable to store the information in a predetermined storage medium by linking the information.

20 is a diagram showing the configuration of value-based online ledger information according to an embodiment of the present invention.

More specifically, FIG. 20 illustrates that the value type online account ledger information is stored in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. 19. The value-based online system is provided with account ledger information corresponding to a real account in the name of the customer who registers a value-based online account in the ledger D / B and chargeable online account ledger information corresponding to the chargeable online account. It relates to an implementation method of linking and processing account ledger information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to account for the ledger D / B and the account ledger information corresponding to the real account of the customer's name in the ledger D / B. A method of interworking and storing the account ledger information, or storing the linked online ledger information corresponding to the charged online account of the customer's name and the value-based online ledger information in the ledger D / B. Various information construction methods may be inferred, such as an implementation method, or an implementation method of storing only the value-based online ledger information in the ledger D / B, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in 20.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20, and the rechargeable online account information (or rechargeable real account information) in a predetermined storage medium other than the ledger D / B. All embodiments may be inferred in connection with at least one value-based online account information, and the present invention may include all implementation methods inferred from the above, and the present invention is not limited to the implementation method shown in FIG. .

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in a DBMS on a financial system corresponds to a predetermined customer ledger and a real account of a customer name associated with the customer ledger. Rechargeable online that includes an account ledger (for example, a reception ledger, a loan ledger, etc.) and corresponds to a prepaid card type online account (or a virtual account type online account) registered in the customer ledger under the name of the customer. An online account ledger including at least one account ledger information and at least one value online account ledger information registered through the value online account registration system shown in FIG. 19 is provided. If you have a general knowledge in the details of the various ledgers stored in the ledger D / B provided in the DBMS on the financial system in addition to the ledger Since you are the read group information structure, a detailed description thereof will be omitted for convenience.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) who processes at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, 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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, amount of time extension, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes the account number, abstention (months), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including at least one, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date and the number of shares, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, the account ledger stores account ledger information corresponding to a real account in the customer's name, wherein at least one real account of the account ledger is associated with the value-based online ledger. It is preferable to correspond to the account.

The online ledger is a prepaid card type online account of the customer's name registered through the rechargeable online account registration system shown in FIG. 1 (or the registered online account registered system shown in FIG. 1). And at least one rechargeable online account ledger information of a virtual account type online account in a customer's name.

According to an embodiment of the present invention, the rechargeable online account ledger information may include an account number corresponding to the online account, money information charged (or deposited) in the online account, and the rechargeable online account attribute information ( For example, it is preferable to include various limit amount information corresponding to the online account.

If the rechargeable online account includes a prepaid card method, the account number is preferably a prepaid card method, or when the rechargeable online account includes a virtual account method, the rechargeable online account ledger information. Preferably, the account further includes mother account information associated with the online account.

In addition, the online ledger stores at least one value-based online ledger information registered through the value-based online account registration system shown in FIG.

According to the method of the present invention, the value-based online ledger information, the account number corresponding to the online account and at least one account corresponding to the value-based online account attribute information included in the value-based online account application information It is preferable to include attribute information.

According to one embodiment of the present invention, the value-based online account attribute information is a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) to a predetermined online account selected by the value-based online account selection information. Voucher issued by the company and the attribute information to deposit only the value corresponding to the voucher, or correspond to the discount coupon and the discount coupon issued by a predetermined discount coupon issuing agency (eg, merchant group, discount coupon affiliate group) Preferably, the online ledger includes a plurality of value-type online ledger information for each voucher issuer (or type of voucher, or a voucher group). For each discount coupon issuer (or type of discount coupon, or discount coupon group) It is desirable to include several valuable online ledger information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information to deposit only a value corresponding to the discount coupon, in which case the online ledger includes a plurality of vouchers / discount coupons corresponding to a plurality of voucher issuers (or discount coupon issuers). It is desirable to include any value-based online ledger information that matches. All.

Those skilled in the art to which the present invention belongs, for depositing the information on the rechargeable online account ledger, the various vouchers and discount coupons and the vouchers and discount coupons provided in the online ledger Since the value-based online ledger information may be inferred, a detailed description thereof will be omitted for convenience.

According to the present invention, the account ledger information (or the rechargeable online account ledger information) and the at least one value-based online ledger information corresponding to the rechargeable account information according to the rechargeable account information and the account interworking attribute information are relationally related. It is characterized in that the interlock.

According to an embodiment of the present invention, the chargeable account (for example, a chargeable online account or a chargeable real account) and at least one or more valued online accounts are linked to the valued account linkage attribute information in a one-to-many manner. When the attribute information is included, the charged online ledger information corresponding to the rechargeable account and at least one value-based online ledger information included in the online ledger are linked relationally or correspond to the rechargeable account. The account ledger information and at least one value-type online account ledger information included in the online account ledger is characterized in that the relationship is linked.

According to another exemplary embodiment of the present invention, the value-type account interworking attribute information may include attribute information for interworking the chargeable account (eg, a chargeable online account or a chargeable real account) with a predetermined value-type online account one-to-one. When included, the rechargeable online ledger information corresponding to the rechargeable account and the predetermined value-based online ledger information included in the online ledger are linked relationally or account ledger information corresponding to the rechargeable account. And the predetermined value type online account ledger information included in the online ledger is linked in a relational manner.

21 is a diagram illustrating an information providing process for registering a value type online account according to one embodiment of the present invention.

In more detail, FIG. 21 illustrates that when the web server 1900 illustrated in FIG. 19 provides a predetermined value type online account request user interface to the customer terminal, the user terminal receives the value type online account request user interface. Input (or select) predetermined value type online account application information, rechargeable account information, and value type account interworking attribute information to provide to the web server 1900 through a predetermined network means, and at the web server 1900 The present invention relates to a process of providing the value-based online account application information, the rechargeable account information, and the value-type account interworking attribute information to a data processing server 1935 provided in the financial institution through a predetermined communication means. Those of ordinary skill in the art may refer to and / or modify this drawing 21 to register the value-based online account. Would be able to infer a variety of exemplary ways to provide the process, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 21.

For example, in FIG. 21, a description is given of inputting (or selecting) predetermined value-based online account application information, chargeable account information, and value-account linked attribute information through the value-based online account application user interface. Before registering the value-based online account through the value-based online account registration system shown in FIG. 19, a chargeable online account of the customer's name is established through the charge-type online account registration system shown in FIG. 1 or 10. The value type is not registered or the real account of the customer's name is not opened in the financial institution before registering the value type online account through the value type online account registration system shown in FIG. Apply for a value-based online account through the online account subscription user interface Only it can be provided, and the charge account type information and value-linked account attribute information, it is possible to be registered in a separate information registration process, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1900 and the information processing server 1935 in the web server 1900 The value-type online account application information, the chargeable account information and the value-type account interworking attribute information are encrypted and transmitted, and the information processing server 1935 connects the value-type online account application information, the chargeable account information and the value-type account. Although an implementation method for decoding attribute information may be inferred, the present invention includes the inferred implementation method, and the present invention is not limited thereto.

Referring to FIG. 21, the customer terminal illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one or more wired and / or wireless communication networks (2100), and the web server 1900. When requesting a predetermined value type online account request user interface (2105), the web server 1900 inputs predetermined value type online account application information, rechargeable account information, and value type account interworking attribute information. (Or select) create (or extract) a valued online account application user interface for transmitting (2110), and provide the generated (or extracted) valued online account application user interface to the customer terminal (2115).

According to an embodiment of the present invention, the value-based online account application user interface preferably includes an interface for selecting at least one or more value-based online accounts to which the customer applies among at least one or more vouchers and discount coupons.

According to another exemplary embodiment of the present invention, the value-based online account application user interface may deposit a value corresponding to at least one voucher and a discount coupon in the future without selecting the voucher and the discount coupon. It is possible to include an interface for selecting.

In addition, the value-based online account application user interface, the value-based online account to deposit a value corresponding to the voucher (or discount coupon) and the voucher (or discount coupon), respectively, in the selected predetermined value-based online account. Value-based online, including an interface for selecting an attribute, or depositing a plurality of vouchers (or discount coupons) and a plurality of values corresponding to the voucher (or discount coupons) in the selected predetermined value-based online account. It is preferable to include an interface for selecting an account attribute.

According to another exemplary embodiment of the present invention, when the value-type online account attributes are collectively designated according to a preset policy, the value-type online account application user interface may be omitted, and the present invention is not limited thereto.

In addition, the value-based online account application user interface, preferably outputs the terms and conditions information corresponding to the value-based online account to the customer terminal, the customer includes an interface to agree to the terms and conditions.

In addition, the value-based online account application user interface inputs customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the value-based online account ( Or) inputting (or selecting) the customer member information (eg, customer ID information, password information) included in the web server 1900.

According to the implementation method of the present invention, the value-based online account application user interface is prepaid registered in the name of the customer through the chargeable online account registration system shown in FIG. 1 or 10 before the value-based online account registration. The value type online when a recharged online account including at least one card type online account (or a virtual account type online account) is pre-registered or a real account of the customer's name is pre-registered in the financial system. Or a user interface for inputting (or selecting) at least one of the at least one rechargeable online account information to be associated with an account, or at least one real account of the customer's name prior to registering the value online account. If the real account is registered with the financial institution, the real account Type information (or selected) is preferably further comprises a user interface.

In addition, when the value-based online account application user interface further includes a user interface for inputting (or selecting) the charge-type account information, linking the value-type account that links the charge-type account information and the value-based online account. Preferably, the method further includes a user interface for inputting (or selecting) attribute information.

Thereafter, the customer terminal inputs (or selects) predetermined value type online account application information, charging type account information, and value type account linking attribute information through the value type online account application user interface (2120).

According to an embodiment of the present invention, the value-based online account application information may include value-based online account selection information for selecting at least one or more value-based online accounts selected by the customer among the plurality of value-based online accounts, and the selected at least one selected value. A value-based online account attribute information corresponding to one or more value-based online account selection information, agreement agreement information corresponding to the value-based online account, and at least one customer information for the value-based online account application customer. It is preferable.

The value-based online account selection information may include at least one value type that the customer applies to register among at least one value type online account that can be registered through the value-based online account registration system shown in FIG. It is preferable to include an online account.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the value-type online account selection information includes at least one value-type online account corresponding to at least one voucher issuer (or discount coupon issuer). It is preferable to include information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information for depositing only the value corresponding to the discount coupon, wherein the value type online account selection information is a predetermined value type corresponding to a plurality of voucher issuers (or discount coupon issuers). It is preferable to include information for selecting an online account.

The agreement information corresponding to the value-based online account preferably includes information indicating that the customer has agreed to the terms defined by the financial institution in response to the value-based online account.

Customer information for the value-based online account application customer may input (or select) customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer, and / or Preferably, the web server 1900 includes at least one or more pieces of customer member information (eg, customer ID information and password information).

In addition, the customer terminal inputs (or selects) predetermined chargeable online account information (or chargeable real account information) through the user interface and transmits the data through the network means, or at the customer terminal, the chargeable online When the account information (or chargeable real account information) is included in the value-type online account application information and transmitted, the information receiver 1940 is linked with the interface unit 1905 to provide the chargeable online account information (or chargeable). Receivable account information including at least one real account information) characterized in that for receiving.

In addition, when the customer terminal inputs (or selects) value-type account interworking attribute information for linking the chargeable account and the value-based online account through the user interface, the information receiving unit 1920 transmits the interface unit. In operation 1905, the value type account interworking attribute information may be received.

According to an embodiment of the present invention, when at least one or more online accounts matching each voucher (or discount coupon) for each online account are selected through the value-type online account selection information, the value-type account linked attribute information is It is preferable to include attribute information for interworking the chargeable account (eg, chargeable online account information or chargeable real account information) with the selected at least one or more valued online accounts in a one-to-many manner.

According to another exemplary embodiment of the present invention, when a predetermined online account matching a plurality of vouchers (or discount coupons) is selected through the value type online account selection information, the value type account interworking attribute information may include the chargeable account ( For example, it is preferable to include the attribute information for one-to-one interworking with the selected on-line account information or charged real account information).

If the customer terminal enters (or selects) the value-based online account application information, the chargeable account information, and the value-type account interworking attribute information (2125), the customer terminal receives the web server 1900 through a predetermined network means. And transmits the input (or selected) value-added online account application information, the chargeable account information, and the value-type account interworking attribute information (2130), and in response, the web server 1900 applies for the value-based online account application. The linked online account information (or charged real account information) included in the information and the rechargeable account information and the value-account linked attribute information are processed in association with the value-based online account registration D / B and stored (2135), The value-type online account is transferred to a predetermined information processing server 1935 associated with a financial system equipped with an online ledger corresponding to the value-based online account through predetermined communication means. And transmits the information and the rechargeable account information (2140).

22 is a diagram illustrating an information providing process for registering a value type online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 22 illustrates that when the web server 1900 illustrated in FIG. 19 provides a predetermined value-based online account request user interface to the customer terminal, the customer terminal receives the value-based online account request user interface. Input (or select) and encrypt predetermined value type online account application information, rechargeable account information, and value type account interworking attribute information to provide to the web server 1900 through a predetermined network means, and the web server 1900 ) Decodes the value-based online account application information, the charge-type account information and the value-type account interworking attribute information and transfers the value-type online account application information, the rechargeable account information and the value-type account interworking attribute information through a predetermined communication means. As a process for providing to the information processing server 1935 provided in the financial institution, the technical field to which the present invention belongs Persons having ordinary skill in the art will be able to infer various implementation methods for the information providing process for registering the value-based online account by referring to and / or modifying the drawing 22, but the present invention is inferred from the implementation method. It includes all, and is not limited by the embodiment shown in FIG.

For example, in FIG. 22, a description is given of inputting (or selecting) predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information through the value-based online account application user interface. Before registering the value-based online account through the value-based online account registration system shown in FIG. 19, a chargeable online account of the customer's name is established through the charge-type online account registration system shown in FIG. 1 or 10. The value type is not registered or the real account of the customer's name is not opened in the financial institution before registering the value type online account through the value type online account registration system shown in FIG. Apply for a value-based online account through the online account subscription user interface Only it can be provided, and the charge account type information and value-linked account attribute information, it is possible to be registered in a separate information registration process, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1900 and the information processing server 1935 in the web server 1900 The value-type online account application information, the chargeable account information and the value-type account interworking attribute information are encrypted and transmitted, and the information processing server 1935 connects the value-type online account application information, the chargeable account information and the value-type account. Although an implementation method for decoding attribute information may be inferred, the present invention includes the inferred implementation method, and the present invention is not limited thereto.

Referring to FIG. 22, the customer terminal illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one or more wired and / or wireless communication networks (2200), and the web server 1900. When requesting a predetermined value-based online account application user interface (2205), the web server 1900 inputs predetermined value-type online account application information, rechargeable account information, and value-type account interworking attribute information. (Or select) and create a value-based online account application user interface having a security function for encrypting and transmitting the input (or selected) value-based online account application information, the chargeable account information, and the value-account linked attribute information. (Or extract) 2210 and provide the generated (or extracted) value-based online account application user interface to the customer terminal (2215).

Here, the security function provided in the value-based online account request user interface is a predetermined encryption method for the value-type online account application information, the chargeable account information and the value-type account interworking attribute information input (or selected) from the customer terminal. And at least one function of attaching the electronic signature of the customer to the value-based online account application information, the charge-type account information, and the value-type account interworking attribute information.

According to an embodiment of the present invention, the security function is preferably formed in the form of a security program linked to the value-based online account application user interface, wherein the security program for encrypting the value-based online account application information It is preferred to have at least one encryption key.

In addition, the security function (and / or security program) may further include an official certificate having at least one encryption key for encrypting the value-based online account application information, thereby not limited to the present invention.

According to an embodiment of the present invention, the value-based online account application user interface preferably includes an interface for selecting at least one or more value-based online accounts to which the customer applies among at least one or more vouchers and discount coupons.

According to another exemplary embodiment of the present invention, the value-based online account application user interface may deposit a value corresponding to at least one voucher and a discount coupon in the future without selecting the voucher and the discount coupon. It is possible to include an interface for selecting.

In addition, the value-based online account application user interface, the value-based online account to deposit a value corresponding to the voucher (or discount coupon) and the voucher (or discount coupon), respectively, in the selected predetermined value-based online account. Value-based online, including an interface for selecting an attribute, or depositing a plurality of vouchers (or discount coupons) and a plurality of values corresponding to the voucher (or discount coupons) in the selected predetermined value-based online account. It is preferable to include an interface for selecting an account attribute.

According to another exemplary embodiment of the present invention, when the value-type online account attributes are collectively designated according to a preset policy, the value-type online account application user interface may be omitted, and the present invention is not limited thereto.

In addition, the value-based online account application user interface, preferably outputs the terms and conditions information corresponding to the value-based online account to the customer terminal, the customer includes an interface to agree to the terms and conditions.

In addition, the value-based online account application user interface inputs customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the value-based online account ( Or) inputting (or selecting) the customer member information (eg, customer ID information, password information) included in the web server 1900.

According to the implementation method of the present invention, the value-based online account application user interface is prepaid registered in the name of the customer through the chargeable online account registration system shown in FIG. 1 or 10 before the value-based online account registration. The value type online when a recharged online account including at least one card type online account (or a virtual account type online account) is pre-registered or a real account of the customer's name is pre-registered in the financial system. Or a user interface for inputting (or selecting) at least one of the at least one rechargeable online account information to be associated with an account, or at least one real account of the customer's name prior to registering the value online account. If the real account is registered with the financial institution, the real account Type information (or selected) is preferably further comprises a user interface.

In addition, when the value-based online account application user interface further includes a user interface for inputting (or selecting) the charge-type account information, linking the value-type account that links the charge-type account information and the value-based online account. Preferably, the method further includes a user interface for inputting (or selecting) attribute information.

Thereafter, the customer terminal inputs (or selects) predetermined value type online account application information, charging type account information, and value type account linking attribute information through the value type online account application user interface (2220).

According to an embodiment of the present invention, the value-based online account application information may include value-based online account selection information for selecting at least one or more value-based online accounts selected by the customer among the plurality of value-based online accounts, and the selected at least one selected value. A value-based online account attribute information corresponding to one or more value-based online account selection information, agreement agreement information corresponding to the value-based online account, and at least one customer information for the value-based online account application customer. It is preferable.

The value-based online account selection information may include at least one value-based online application that the customer applies to register among at least one or more value-based online accounts that can be registered through the value-based online account registration system shown in FIG. It is preferable to include an account.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the value-type online account selection information includes at least one value-type online account corresponding to at least one voucher issuer (or discount coupon issuer). It is preferable to include information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by the company and attribute information for depositing a plurality of values corresponding to the vouchers, or a plurality of discount coupons issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) It is preferable to include the attribute information to deposit only the value corresponding to the coupon and the discount coupon, in this case, the value-type online account selection information is a predetermined value corresponding to a plurality of voucher issuing institutions (or discount coupon issuing agency) It is preferable to include information for selecting a type online account.

The agreement information corresponding to the value-based online account preferably includes information indicating that the customer has agreed to the terms defined by the financial institution in response to the value-based online account.

Customer information for the value-based online account application customer may input (or select) customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer, and / or Preferably, the web server 1900 includes at least one or more pieces of customer member information (eg, customer ID information and password information).

In addition, the customer terminal inputs (or selects) predetermined chargeable online account information (or chargeable real account information) through the user interface and transmits the data through the network means, or at the customer terminal, the chargeable online When the account information (or chargeable real account information) is included in the value-type online account application information and transmitted, the information receiver 1920 cooperates with the interface unit 1905 to provide the chargeable online account information (or chargeable). Receivable account information including at least one real account information) characterized in that for receiving.

In addition, when the customer terminal inputs (or selects) value-type account interworking attribute information for linking the chargeable account and the value-based online account through the user interface, the information receiving unit 1920 transmits the interface unit. In operation 1905, the value type account interworking attribute information may be received.

According to an embodiment of the present invention, when at least one or more online accounts matching each voucher (or discount coupon) for each online account are selected through the value-type online account selection information, the value-type account linked attribute information is It is preferable to include attribute information for interworking the chargeable account (eg, chargeable online account information or chargeable real account information) with the selected at least one or more valued online accounts in a one-to-many manner.

According to another exemplary embodiment of the present invention, when a predetermined online account matching a plurality of vouchers (or discount coupons) is selected through the value type online account selection information, the value type account interworking attribute information is the chargeable account. (E.g., chargeable online account information, or chargeable real account information) and attribute information for interworking the selected predetermined value type online account one to one.

If the customer terminal enters (or selects) the value-based online account application information, the chargeable account information, and the value-type account interworking attribute information (2225), the customer terminal is included in the value-based online account application user interface. Through the security function, the value-based online account application information, the rechargeable account information, and the value-based account interworking attribute information are encrypted (2230), and the encrypted value-type online account application information, the rechargeable account information and the value-account interworking attribute Information is transmitted to the web server 1900 via a predetermined network means (2235), and in response, the web server 1900 provides the value-based online account application information, the chargeable account information, and the value-type account interworking attribute information. Received and decrypted (2240), and the chargeable online included in the decrypted value-based online account application information and rechargeable account information The left information (or recharged real account information) and the value-account linking attribute information are processed in association with each other and stored in the predetermined value-type online account registration D / B (2245), and the value-type online account is transferred through a predetermined communication means. The value-based online account application information and the rechargeable account information are transmitted to a predetermined information processing server 1935 associated with a financial system equipped with a corresponding online account ledger (2250).

23 is a diagram illustrating a value-based online account registration process according to the first embodiment of the present invention.

In more detail, FIG. 23 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-based online account application information is issued by a voucher issuer (or a voucher type or voucher group) (or a discount coupon issuance). Information for registering a plurality of value-based online ledger information for each institution (or discount coupon type, or discount coupon group), wherein the rechargeable account information is the rechargeable online account shown in FIG. Including a predetermined charge-type online account information registered through the registration system, if the value-type account linkage attribute information includes a one-to-one linkage attribute, the chargeable account and the plurality of value-type online account on a ledger in a one-to-one manner 2 is a diagram illustrating an implementation method for registering in association with a network.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 to infer various implementation methods for the value-based online account registration process. It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

In this figure 23, the information processing server 1935 on the value type online account registration system shown in figure 19 is referred to as " server " for convenience.

Referring to FIG. 23, a voucher issuer (or a voucher type, or a voucher group) by web server 1900 on the value-based online account registration system shown in FIG. Value-based online account application information including information for registering a plurality of value-based online ledger information by coupon issuer (or discount coupon type, or discount coupon group), and the charging shown in FIG. When the chargeable account information including the predetermined charge-type online account information registered through the type-type online account registration system and the value-type account interworking attribute information including the one-to-one interworking attribute are transmitted, the server transmits the information through the communication means. Receiving the value-based online account application information, the rechargeable account information and the value-type account interworking attribute information from the web server (1900) (2300), Read the pre-valued online account application information and confirm that at least one valuable online account corresponding to the value-based online account selection information and the value-based online account attribute information included in the value-based online account application information can be registered. (2305).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is confirmed that the value-based online account cannot be registered (2310), the server generates predetermined account registration error information and provides it to the web server 1900 (2315), and the web server 1900 The account registration error information is transmitted to the customer terminal (2320).

On the other hand, if the verification result can register the value-based online account (2310), the server at least one corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information The value type transmitted from the customer terminal is generated by generating value online account ledger information (2325) and storing the generated at least one value type online account ledger information in the online account ledger in association with the financial system (2330). Register at least one value online account corresponding to the online account application information.

Thereafter, the server checks whether the rechargeable account information and the value-type account interworking attribute information have been received from the web server 1900, and if the rechargeable account information and the value-type account interworking attribute information are received (2340). And a value-based online account corresponding to the registered online ledger information corresponding to the chargeable account information and the registered at least one value-based online account according to the one-to-one valued account linkage attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2345).

According to another embodiment of the present invention, the server corresponds to the chargeable online account ledger information corresponding to the chargeable account information and the registered at least one valued online account according to the one-to-one value-type account linked attribute information. The value-type online account ledger information may be stored in a predetermined storage medium in connection with the value-type online account ledger information, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2350), and the web server 1900 registers the value-based online account. The registered value-added online account information is further included in D / B (2355), and the account registration information is transmitted to the customer terminal (2360).

24 is a diagram illustrating a value-based online account registration process according to the second embodiment of the present invention.

More specifically, FIG. 24 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-type online account application information corresponds to a plurality of voucher issuers (or voucher types or voucher groups). Information for registering predetermined value-type online ledger information that may have a plurality of vouchers and a plurality of discount coupons corresponding to a plurality of discount coupon issuing organizations (or discount coupon types, or discount coupon groups), The chargeable account information includes predetermined chargeable online account information registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, and the value-type account linked attribute information includes one-to-many linked attribute. In the case that the chargeable account and the predetermined value-type online account to be registered on the ledger A diagram illustrating a exemplary method for rock.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to infer various implementation methods for the value-based online account registration process. It is made including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

In the drawing 24, the information processing server 1935 on the value type online account registration system shown in the drawing 19 is referred to as " server " for convenience.

Referring to FIG. 24, a plurality of voucher issuing organizations (or voucher types, or voucher groups) corresponding to a plurality of voucher issuers from the web server 1900 on the value-based online account registration system shown in FIG. 19 to the server through predetermined communication means And information for registering predetermined value-type online ledger information that may include a plurality of vouchers, and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or types of discount coupons or discount coupon groups). Rechargeable account information including value-based online account application information, predetermined chargeable online account information registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, and one-to-many interworking attributes. The value type from the web server 1900 is transmitted from the web server through the communication means at the server when the value type linked property information is transmitted. Receive line account application information, rechargeable account information and value account linkage attribute information (2400), and read the value-based online account application information and the value-based online account selection information included in the value-based online account application information and It is checked whether at least one value-based online account corresponding to the value-based online account attribute information can be registered (2405).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is determined that the value-based online account cannot be registered (2410), the server generates predetermined account registration error information and provides the web server 1900 (2415), and the web server 1900 The account registration error information is transmitted to the customer terminal (2420).

On the other hand, if the verification result can register the value-based online account (2410), the server is a predetermined value corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information By generating value online account ledger information (2425) and storing the generated value-based online ledger information in the online account ledger in association with the financial system (2430), the value-based online account ledger transmitted from the customer terminal. Register a predetermined value type online account corresponding to the account application information.

Thereafter, the server checks whether the rechargeable account information and the value-type account interworking attribute information have been received from the web server 1900, and if the rechargeable account information and the value-type account interworking attribute information are received (2440). And a value-based online account corresponding to the registered online value ledger information corresponding to the chargeable account information and the registered value-based online account according to the one-to-many value-type account linked attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2445).

According to another embodiment of the present invention, the server corresponds to the chargeable online account ledger information corresponding to the chargeable account information according to the one-to-many value-type account linked attribute information and the registered predetermined valued online account. The value-type online account ledger information may be stored in a predetermined storage medium in connection with the value-type online account ledger information, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2450), and the web server 1900 registers the value-based online account. The registered value-added online account information is further included in the D / B (2455), and the account registration information is transmitted to the customer terminal (2460).

25 is a diagram illustrating a value-based online account registration process according to the third embodiment of the present invention.

In more detail, FIG. 25 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium, wherein the value-type online account application information corresponds to a plurality of voucher issuers (or voucher types, or voucher groups). And information for registering predetermined value-type online ledger information which may have a plurality of vouchers and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or discount coupon types, or discount coupon groups). And when the chargeable account information includes predetermined chargeable real account information opened under the name of the customer, and the value type account interworking attribute information includes one-to-many interworking attributes, Is a diagram illustrating a method of registering a value-based online account linked to on the ledger.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 25 to infer various implementation methods for the value-based online account registration process. It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 25, the information processing server 1935 on the value type online account registration system shown in Fig. 19 is referred to as " server " for convenience.

Referring to FIG. 25, a plurality of voucher issuing organizations (or voucher types, or voucher groups) corresponding to a plurality of voucher issuers are transmitted from the web server 1900 on the value-based online account registration system shown in FIG. 19 to the server through predetermined communication means. And information for registering predetermined value-type online ledger information that may include a plurality of vouchers, and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or types of discount coupons or discount coupon groups). The server transmits the value-based online account application information, the charge-type account information including the predetermined charge-type real account information opened in the customer name, and the value-type account linking attribute information including the one-to-many linking attribute. The value-based online account application information, the rechargeable account information and the value-based account connection from the web server 1900 through the communication means Receiving attribute information (2500), and reading at least one value type online account application information to correspond to the value type online account selection information and value type online account attribute information included in the value type online account application information. Check whether the online account can be registered (2505).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is determined that the value-based online account cannot be registered (2510), the server generates predetermined account registration error information and provides it to the web server 1900 (2515), and the web server 1900 The account registration error information is transmitted to the customer terminal (2520).

On the other hand, if the verification result can register the value-based online account (2510), the server is a predetermined value corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information Generating a value-based online ledger information (2525) and storing the generated value-based online ledger information in the online account ledger in association with the financial system (2530), thereby transferring the value-based online account from the customer terminal. Register a predetermined value type online account corresponding to the application information.

Thereafter, the server checks whether the chargeable account information and the value type account interworking attribute information have been received from the web server 1900, and if the chargeable account information and the value type account interworking attribute information are received (2540). And a value-based online account corresponding to the registered real account ledger information corresponding to the chargeable account information and the registered value-based online account according to the one-to-many value-valued account linkage attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2545).

According to another embodiment of the present invention, the server corresponds to the chargeable real account ledger information corresponding to the chargeable account information according to the one-to-many value-type account linked attribute information and the registered predetermined value-type online account. The value-type online account ledger information may be stored in a predetermined storage medium in conjunction with the present invention, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2550), and the web server 1900 registers the value-based online account. The registered value-added online account information is further included in the D / B (2555), and the account registration information is transmitted to the customer terminal (2560).

26 is a diagram illustrating a value-based online account registration process according to a fourth embodiment of the present invention.

More specifically, FIG. 26 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-type online account application information corresponds to a plurality of voucher issuers (or voucher types or voucher groups). Information for registering predetermined value-type online ledger information that may have a plurality of vouchers and a plurality of discount coupons corresponding to a plurality of discount coupon issuing organizations (or discount coupon types, or discount coupon groups), When the chargeable account information includes predetermined chargeable real account information opened under the customer name, and the value-type account linkage attribute information includes one-to-many linkage attribute, It is a diagram showing an implementation method for registering a value-based online account linked to the ledger.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to infer various implementation methods for the value-based online account registration process, but the present invention may infer all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 26, the information processing server 1935 on the value type online account registration system shown in FIG. 19 is referred to as "server" for convenience.

Referring to FIG. 26, a plurality of voucher issuing organizations (or voucher types, or voucher groups) corresponding to a plurality of voucher issuers are transmitted from a web server 1900 on the value-based online account registration system shown in FIG. 19 to the server through predetermined communication means. And information for registering predetermined value-type online ledger information that may include a plurality of vouchers, and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or types of discount coupons or discount coupon groups). The server transmits the value-based online account application information, the charge-type account information including the predetermined charge-type real account information opened in the customer name, and the value-type account linking attribute information including the one-to-many linking attribute. The value-based online account application information, the rechargeable account information and the value-based account connection from the web server 1900 through the communication means Receiving attribute information (2600), and reading at least one value type online account application information and corresponding at least one value type corresponding to the value type online account selection information and value type online account attribute information included in the value type online account application information. Check whether the online account can be registered (2605).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is confirmed that the value-based online account cannot be registered (2610), the server generates predetermined account registration error information and provides it to the web server 1900 (2615), and the web server 1900. In step 2620, the account registration error information is transmitted to the customer terminal.

On the other hand, if the verification result can register the value-based online account (2610), the server is a predetermined value corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information Generating a value-based online ledger information (2625) and storing the generated value-based online ledger information in the online account ledger in association with the financial system (2630), thereby transferring the value-based online account from the customer terminal. Register a predetermined value type online account corresponding to the application information.

Thereafter, the server checks whether the chargeable account information and the value type account interworking attribute information are received from the web server 1900, and if the chargeable account information and the value type account interworking attribute information are received (2640). And a value-based online account corresponding to the registered real account ledger information corresponding to the chargeable account information and the registered value-based online account according to the one-to-many value-valued account linkage attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2645).

According to another exemplary embodiment of the present invention, the server may be configured to charge the real account ledger information corresponding to the chargeable account information and the registered value-added online account according to the one-to-many value type account linked attribute information. Corresponding value-type online account ledger information may be stored in a predetermined storage medium in association with each other, and the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2650), and the web server 1900 registers the value-based online account. The registered value type online account information is further included in D / B (2655), and the account registration information is transmitted to the customer terminal (2660).

Hereinafter, a chargeable online account (or a chargeable real account opened under the customer's name) registered through the chargeable online account registration system shown in FIG. 1 or 10 will be referred to as a "chargeable account" for convenience. At least one value online account (or an open valued real account opened in the customer's name) registered through the value online account registration system shown in FIG. 19 is referred to as a "value account" for convenience, and the recharged account and at least one The card linked to the value-type account described above is referred to as a "value-linked card" for convenience, and a method of issuing a value-linked card linked to the chargeable account and at least one value-type account will be described.

FIG. 27 is a diagram illustrating a card issuing system for issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

In more detail, Figure 27 provides a value linked card issuing application information for issuing a value linked card linked to a predetermined rechargeable account and at least one value type account to a financial institution through a predetermined card issuing interface. As a configuration of a system for issuing a value interlocking card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided value interlocking card issuance application information. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 27 to configure a card issuing system for issuing a value linked card linked to the rechargeable account and at least one value account. Various implementations may be inferred, but the present invention encompasses all such implementations inferred. In addition, it is not limited only to the implementation method shown in this figure.

For example, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 27, and the value linkage in the form of a predetermined IC chip applet with a wireless IC chip provided in the wireless terminal possessed by the customer. It will be possible to infer an implementation method for issuing a card, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 27 so that the issue of the value-linked card is shown in the rechargeable online account registration system shown in FIG. A method of issuing in connection with the registered online account registration, or a method of issuing the value-linked card issuing in connection with a value-based online account registration shown in the value-based online account registration system shown in FIG. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for issuing a predetermined value linked card to the customer based on the value linked card issuance application information provided from the customer through a predetermined card issue interface on the card issue system shown in FIG. 27; The component corresponding to the functional configuration is called "card issuing server 2700" for convenience.

Referring to this figure 27 according to the embodiment of the present invention, a card issuing system for issuing a value linked card linked to the chargeable account and at least one value type account, at least one financial institution (or card issuing affiliated institution) And a staff terminal used by the card issuing staff provided at), and / or a wired terminal and / or used by the customer when the card issuing system supports a non-face-to-face card issuing application. And a client terminal including at least one wireless terminal, wherein the employee terminal and / or the client terminal have a communication channel with a card issuing server 2700 provided on the financial institution through a predetermined network means. Connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution (or a card issuing affiliated institution) for issuing a value linked card linked to the rechargeable account and at least one value type account, and the financial institution (or A predetermined card issuance application (eg, the charging) for issuing a value-linked card linked to the recharged account and at least one value account through a window (or a card issuing staff) provided at a card issuing affiliate institution A document with a form for filling out at least one information item for issuing a value linked card linked to at least one value account and / or the card issuer visits the customer A value linked car that allows a customer to link the rechargeable account and at least one value account. And submit the completed card issuance application form to the card issuing staff, and the card issuing staff enters the information entered in the card issuance application through a predetermined staff terminal. (Or select), and the employee terminal transmits the input (or selected) information to the card issuing server 2700 provided on the financial institution through the network means.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution (or card issuing partner institution), the card issuing server 2700 connected to the employee terminal is the financial It is preferable to include a server provided on the institution (or card issuing affiliated organization), the network means for connecting the employee terminal and the card issuing server 2700 is the communication between the employee terminal and the card issuing server 2700 It is preferable to include a communication network connecting the channels.

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server (2700) is the customer said It performs a function of the card issuing interface for registering the value-linked card issuing application information for issuing a value-linked card interworking with the rechargeable account and at least one value-type account.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. A value that is connected to the card issuing server 2700 through at least one or more client terminals and is linked to the rechargeable account and at least one value account through at least one or more user interfaces provided by the card issuing server 2700. When inputting (or selecting) the value-linked card issuing application information for issuing the interlocking card, the client terminal preferably transmits the card issuing server 2700 provided on the financial institution through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 2700, and inputs and / or selects at least one or more information through the user interface to the card issuing server 2700. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 2700, 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 2700 and And / or the wireless communication network performs a function of a card issuing interface for registering the value-linked card issuing application information for the customer to issue a value-linked card linked to the rechargeable account and at least one value-type account.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 2750, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, At least one or more institutions, which may further comprise a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or affiliated with the financial institution (or card issuing affiliate institution). Having the terminal (and / or the server) (not shown) may further comprise, and to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 2750 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device are shown. (Not shown) and the financial network connecting the card issuing server 2700 registers the value-linked card issuing application information for issuing the value-linked card linked to the customer and the at least one value-type account and the rechargeable account And / or the card issuing terminal 2750 when the card issuing terminal 2750 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the card issuance. A wired telephone network and / or a wireless telephone network connecting the server 2700 may allow the customer to issue a value linked card linked to the rechargeable account and at least one value account. The card issuance interface for registering the value-linked card issuance application information, and / or the terminal (2750) is provided with a terminal that is provided with an institution affiliated with the financial institution (or card issuing affiliate institution) ( And / or server (not shown), a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuing server 2700 The customer performs a function of a card issuing interface for registering the value-linked card issuing application information for issuing a value-linked card interworking with the rechargeable account and at least one value-type account.

After the storage medium 2745 provided on the financial institution according to the present invention issues a predetermined value linked card to the customer based on the value linked card issue application information provided from the card issuing terminal 2750, Characterized in that the value linked card operation information according to the value linked card issuance.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial institution, wherein the storage medium Reference numeral 2745 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip-based wireless payment provided on the financial institution. It is possible to be provided in a DBMS on at least one or more payment systems of the system and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the storage medium 2745 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial institution, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2745 interoperates with a server (or device) that performs a predetermined information processing function using the value linked card operation information on the financial institution. Preferably, the storage medium 2745 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 2700 provided on the financial institution according to the present invention is a generic term for the financial institution side components connected with the card issuing terminal 2750 through a predetermined network means, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the card issuing server 2700 is provided with an interface unit 2705 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 2750 via the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 2750 is an employee terminal connected to a predetermined financial network, the interface unit 2705 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2705 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2705 connects a communication channel with the client terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 2700, the interface unit 2705 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2705 includes 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 the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 2700, the interface unit 2705 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 27, the card issuing server 2700 is interlocked with the interface unit 2705 when a predetermined card issuing terminal 2750 is connected to the card issuing server 2700 through the interface unit 2705. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined value-linked card issuance application information from the card issuing terminal 2750 and providing it to the card issuing terminal 2750. Pre-defined value interlocking card issuance application information transmitted from the card issuing terminal 2750 through the user interface in connection with the study 2710 (or interface providing means) and the interface unit 2705. Issuing the value linked card to the customer based on the information receiving unit (2715) (or information receiving means) for receiving the received value linked card issuance application information; Generating predetermined card information corresponding to the value-linked card to be issued to the customer based on the validity authentication unit 2720 (or validity authentication means) for checking the validity with respect to the value-linked card issuance application information ( Or a card issuing unit 2735 (card issuing means) for issuing a predetermined value interlocking card including the card information via the information generating unit (or information generating means) and the predetermined card issuing device 2740. And an information storage unit 2730 (or account information registration means) for storing the value linked card operation information corresponding to the value linked card issued to the customer in the storage medium 2745.

The interface providing unit 2710 corresponds to a functional configuration provided in the card issuing terminal 2750 when a predetermined card issuing terminal 2750 is connected to the card issuing server 2700 through the interface unit 2705. Generate (or select) the value-linked card issuing application information to generate a predetermined user interface capable of transmitting to the card issuing server 2700 via the network means, and / or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface to the card issuing terminal 2750 through the network means in association with the interface unit 2705.

Thereafter, the card issuing terminal 2750 inputs (or selects) the value-linked card issuing application information based on the user interface, and inputs the input (or selected) value-linked card issuing application information through the network means. The card issuing server 2700 is transmitted.

According to an embodiment of the present invention, when the card issuing terminal 2750 is an employee terminal connected to a predetermined financial network, the interface providing unit 2710 may provide a card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 2705.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2710 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2705.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2705.

The information receiving unit 2715 inputs (or selects) predetermined value-linked card issuing application information through the user interface from the card issuing terminal 2750 and transmits it through the network means. Characterized in that the interlocking card issuing application information, characterized in that for receiving, the value-linked card issuing application information provided to the validity authentication unit 2720 or the information generating unit.

According to the implementation method of the present invention, the value-linked card issuing application information comprises at least one or more of the customer information of the card issuing customer, predetermined charge-type account information, at least one or more value-type account information and card attribute information.

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 2700 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the chargeable account information, the account information corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, or a chargeable real account opened under the customer's name. Preferably, the corresponding account information includes predetermined account information corresponding to the rechargeable account associated with the value linked card. The value linked card issuing process is performed by the rechargeable online account shown in FIG. When made in conjunction with a registration system, the chargeable account information may be omitted, whereby the present invention is not limited.

In addition, the at least one value account information, account information corresponding to the at least one value online account registered through the value-based online account registration system shown in Figure 19, or the opened value-type real account of the customer name It is preferable that the account information corresponding to at least one or more account information corresponding to at least one or more value linked account associated with the value linked card, the value linked card issuing process is the value type shown in Figure 19 When made in conjunction with an online account registration system, the value type account information may be omitted, thereby not limiting the present invention.

The card attribute information may include payment attribute information (eg, credit card payment attribute information, check card payment attribute information, debit card payment attribute information, etc.) corresponding to the value linked card, and value application attribute information (eg, payment). And at least one or more of a payment processing attribute after deducting a value corresponding to a voucher / discount coupon, or an attribute of deducting a value corresponding to the voucher / discount coupon after a prepayment processing.

The validity authentication unit 2720 may verify the validity of issuing the value linked card to the customer based on the customer information included in the received value linked card issuance application information.

According to an embodiment of the present invention, the validity check for issuing the value linked card to the customer is based on a customer's name and social security number included in the customer information. And verifying that the customer is registered as a customer of the financial institution in connection with a financial company server, and included in the customer information in connection with a predetermined real name verification server (not shown) according to the intention of a person skilled in the art. It is preferable to further comprise checking the real name of the customer based on the customer name and resident registration number.

In addition, the validity check for issuing the value linked card to the customer, in connection with a predetermined financial company server provided in the financial institution through the charge-type online account registration system shown in FIG. It is preferable to include whether the user has already set up a predetermined online charging account or a predetermined charging real account is opened to the customer.

In addition, the validity check for issuing the value linked card to the customer, at least one to the customer through the value type online account registration system shown in Figure 19 in connection with a predetermined financial company server provided in the financial institution It is preferable to include checking whether the above-described value-based online account is already opened or at least one real account is open to the customer.

In addition, when the payment attribute information among the card attribute information included in the value-linked card issuance application information includes a credit card attribute, the validation of the issue of the value-linked card to the customer is based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means.

The information generator generates predetermined card information to be included in the value-linked card based on payment attribute information among customer information and card attribute information included in the value-linked card issuing application information received through the information receiver 2715. Wherein the card information includes at least a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and financial institution information (or code) corresponding to the value-linked card. It consists of one or more.

For example, the card number (although some exceptions exist) preferably includes a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the value-linked card, it may be omitted if there is no valid period in the value-linked card, thereby limiting the present invention Not.

The financial institution information (or code) preferably comprises at least one unique number (or unique code) assigned to the financial institution that issues the value linked card to the customer.

When the predetermined card information included in the value interlocking card is generated by the information generating unit, the card issuing unit 2735 creates a value interlocking card including the card information through a predetermined card issuing device 2740. (Or having the card information in the value association card), the value association card is provided (or shipped) to the customer.

If the value interlocking card is an MS (Magnetic Stripe) card, the card issuing device 2740 stores the card information in at least one or more MS tracks (eg, track I, track II, and track III) included in the value interlocking card. And an information generating unit for generating (or extracting) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 2735 is provided with the card issuing device ( By recording card information in at least one or more MS tracks via 2740, a predetermined value linked card to be issued to the customer is issued.

Alternatively, if the value interlocking card is an integrated circuit (IC) card, the card issuing device 2740 includes a device for recording the card information in a memory provided in the IC chip of the value interlocking card. The information generating unit generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 2735 is the card issuing device 2740. By recording the card information in the memory of the IC chip through, to issue a predetermined value linked card to be issued to the customer.

The value linked card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer uses the value linked card through a financial institution according to the present invention. Done.

Thereafter, the information storage unit 2730 includes at least one of customer information included in the value-linked card issuing application information received from the customer through the information receiving unit 2715 and the generated card information and the rechargeable account information. Characteristic linked card operation information including at least one or more of the value-type account information and the value application attribute information is characterized in that it is stored in the storage medium (2745).

Here, the customer information included in the value linked card operation information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer At least one member information (eg, member ID information) entered into the card issuing server 2700 is preferably included.

The card information included in the value linked card operation information may include credit card information or check card information generated based on payment attribute information among customer information and card attribute information included in the value linked card issue application information. Or at least one debit card information.

In addition, the rechargeable account information included in the value-linked card operation information, the account information corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG. 1 or 10, or the customer It is preferable that the account information corresponding to the chargeable account opened in the name includes predetermined account information corresponding to the chargeable account linked to the value linked card. When the connection is made in conjunction with the online charging account registration system shown in FIG. 10, the charging account information may be omitted, and the present invention is not limited thereto.

In addition, the at least one value-based account information included in the value-linked card operation information, account information corresponding to at least one value-based online account registered through the value-based online account registration system shown in Figure 19, or It is preferable that the account information corresponding to the opened value type account of the customer name includes at least one or more account information corresponding to at least one or more value type accounts linked to the value linked card. When the process is performed in connection with the value-based online account registration system shown in FIG. 19, the value-based account information may be omitted, and the present invention is not limited thereto.

In addition, the value application attribute information included in the value-linked card operation information, the payment processing attribute after deducting the value corresponding to the voucher / discount coupon of the payment amount, when a predetermined payment through the value-linked card, Or at least one attribute of deducting a value corresponding to the voucher / discount coupon after prepayment.

28 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

More specifically, FIG. 28 shows that a predetermined customer issues a card issuance application through a face-to-face card issuance interface (eg, the card issuance application, employee terminal and network means) in the card issuance system shown in FIG. 27. When the card issuance officer submits the card to the card issuing staff, the card issuing staff inputs (or selects) the value-linked card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 2750 to the card issuing server. (2700), the card issuing server (2700) based on the value linked card issuing application information to the customer value linked for issuing a value linked card linked to the rechargeable account and at least one value type account As a process of issuing a card, a person of ordinary skill in the art to which the present invention pertains, Although various embodiments of the present invention may be inferred by referring to FIG. 28 and / or modified to issue a value-linked card linked to the rechargeable account and at least one value-type account, the present invention provides the above-described method. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 28 illustrates that the value linked card is produced and provided (or shipped) to the customer, and then stored as the value linked card operating information in the storage medium 2745. Accordingly, the process of storing the predetermined value-linked card operation information in the storage medium 2745 may be performed before the value-linked card is produced or before the value-linked card is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 28, the card issuing terminal 2750 shown in FIG. 27 is called "terminal" for convenience, and the card issuing server 2700 is called "server" for convenience.

Referring to FIG. 28, a face-to-face card issuance interface (eg, the card issuance application form) is issued by the customer to receive the value-linked card for issuing a value-linked card linked to the rechargeable account and at least one value-based account. And a form for filling in at least one information item for issuing a value linked card linked to a predetermined card issuance application (eg, the rechargeable account and at least one value type account) through an employee terminal and a network means. After filling out the document) and submitting it to the card issuing staff, the terminal may input (or select) the value-linked card issuing application information corresponding to the card issuance application prepared by the customer through a predetermined user interface. 2800), and issue the value interlocking card through the network means. The application information is transmitted to the server (2805).

According to the implementation method of the present invention, the value-linked card issuing application information comprises the customer information of the card issuing customer, predetermined charge-type account information, at least one or more value-type account information and card attribute information .

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 2700 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the chargeable account information, the account information corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, or a chargeable real account opened under the customer's name. Preferably, the corresponding account information includes predetermined account information corresponding to the rechargeable account associated with the value linked card. The value linked card issuing process is performed by the rechargeable online account shown in FIG. When made in conjunction with a registration system, the chargeable account information may be omitted, whereby the present invention is not limited.

In addition, the at least one value account information, account information corresponding to the at least one value online account registered through the value-based online account registration system shown in Figure 19, or the opened value-type real account of the customer name It is preferable that the account information corresponding to at least one or more account information corresponding to at least one or more value linked account associated with the value linked card, the value linked card issuing process is the value type shown in Figure 19 When made in conjunction with an online account registration system, the value type account information may be omitted, thereby not limiting the present invention.

The card attribute information may include payment attribute information (eg, credit card payment attribute information, check card payment attribute information, debit card payment attribute information, etc.) corresponding to the value linked card, and value application attribute information (eg, payment). And at least one or more of a payment processing attribute after deducting a value corresponding to a voucher / discount coupon, or an attribute of deducting a value corresponding to the voucher / discount coupon after a prepayment processing.

Thereafter, the server receives and reads the value-linked card issuing application information from the terminal through the network means, based on the customer information included in the value-linked card issuing information, to the customer and the at least one rechargeable account. The card issuance validity of issuing the value-linked card for issuing a value-linked card linked to the value-type account is verified (2810).

According to an embodiment of the present invention, the validity check for issuing the value linked card to the customer is based on a customer's name and social security number included in the customer information. And verifying that the customer is registered as a customer of the financial institution in connection with a financial company server, and included in the customer information in connection with a predetermined real name verification server (not shown) according to the intention of a person skilled in the art. It is preferable to further comprise checking the real name of the customer based on the customer name and resident registration number.

In addition, the validity check for issuing the value linked card to the customer, the customer through the chargeable online account registration system shown in Figure 1 or 10 in conjunction with a predetermined financial company server provided in the financial institution It is preferable to include whether the user has already set up a predetermined online charging account or a predetermined charging real account is opened to the customer.

In addition, the validity check for issuing the value linked card to the customer, at least one to the customer through the value type online account registration system shown in Figure 19 in connection with a predetermined financial company server provided in the financial institution It is preferable to include checking whether the above-described value-based online account is already opened or at least one real account is open to the customer.

In addition, when the payment attribute information among the card attribute information included in the value-linked card issuance application information includes a credit card attribute, the validation of the issue of the value-linked card to the customer is based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means.

If the validity of issuing the value-linked card to the customer is not authenticated through the value-linked card issuing application information (2815), the server provides the card issue error information to the customer through the card-issuing interface. 2820, and stop issuing the value link card to the customer.

On the other hand, if the validity of issuing the value-linked card to the customer through the value-linked card issuing application information is authenticated (2815), the server is a value-linked card to issue to the customer based on the value-linked card issuing application information Generates (or extracts) predetermined card information corresponding to the coded information (2825), and the card information includes a card number (for example, a 16-digit card number) and an expiration date information (some may be omitted) corresponding to the value-linked card; It includes at least one or more agency information (or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the value-linked card, it may be omitted if there is no valid period in the value-linked card, thereby limiting the present invention Not.

The financial institution information (or code) preferably comprises at least one unique number (or unique code) assigned to the financial institution that issues the value linked card to the customer.

According to an embodiment of the present invention, if the value interlocking card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

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

Thereafter, the server produces a predetermined value linked card with the card information through a predetermined card issuing device 2740 and provides (or delivers) it to the customer (2830).

According to an exemplary embodiment of the present invention, if the value interlocking card is an MS card, the card issuing device 2740 may include at least one or more MS tracks (eg, track I, track II, and track III) included in the value interlocking card. It is preferable to include an apparatus for recording the card information.

According to another exemplary embodiment of the present invention, if the value interlocking card is an IC card, the card issuing device 2740 includes an apparatus for recording the card information in a memory provided in the IC chip of the value interlocking card. It is preferable.

Thereafter, the server applies the customer information included in the value-linked card issuing application information provided from the customer through the card issuing interface, the generated card information, the rechargeable account information, and at least one value type account information and value. Value-linked card operation information including at least one attribute information is stored in the storage medium 2745 (2835).

Here, the customer information included in the value linked card operation information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer At least one member information (for example, member ID information) subscribed to the card issuing server 2700 is preferably included.

The card information included in the value linked card operation information may include credit card information or check card information generated based on payment attribute information among customer information and card attribute information included in the value linked card issue application information. Or at least one debit card information.

In addition, the rechargeable account information included in the value-linked card operation information, the account information corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG. 1 or 10, or the customer It is preferable that the account information corresponding to the chargeable account opened in the name includes predetermined account information corresponding to the chargeable account linked to the value linked card. When the connection is made in conjunction with the online charging account registration system shown in FIG. 10, the charging account information may be omitted, and the present invention is not limited thereto.

In addition, the at least one value-based account information included in the value-linked card operation information, account information corresponding to at least one value-based online account registered through the value-based online account registration system shown in Figure 19, or It is preferable that the account information corresponding to the opened value type real account opened in the customer name includes at least one or more account information corresponding to at least one or more value type linked to the value linked card, this value linked card issuing process When the value type account information is made in connection with the value online account registration system shown in FIG. 19, the value type account information may be omitted, and thus the present invention is not limited thereto.

In addition, the value application attribute information included in the value-linked card operation information, the payment processing attribute after deducting the value corresponding to the voucher / discount coupon of the payment amount, when a predetermined payment through the value-linked card, Or at least one attribute of deducting a value corresponding to the voucher / discount coupon after prepayment.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial institution, wherein the storage medium Reference numeral 2745 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip-based wireless payment provided on the financial institution. It is possible to be provided in a DBMS on at least one or more payment systems of the system and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the storage medium 2745 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial institution, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

29 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to another embodiment of the present invention.

More specifically, FIG. 29 shows a non-face-to-face card issuing interface (eg, client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in which a predetermined customer in the card issuing system shown in FIG. 27 is shown. When the card issuing server 2700 is accessed through inputting (or selecting) predetermined value-linked card issuing application information, the card-issuing server 2700 sends the customer based on the value-linked card issuing information. The process of issuing a value linked card for issuing a value linked card interworking with the chargeable account and at least one value type account to a person having ordinary knowledge in the technical field to which the present invention belongs, Value linkage linked with the recharged account and at least one value account with reference and / or modification of 29 Issued to De would be able to infer a variety of exemplary ways to issue the value card interlocking, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 29.

For example, FIG. 29 illustrates that the value linked card is produced and provided (or shipped) to the customer, and then stored as the value linked card operating information in the storage medium 2745. Accordingly, the process of storing the predetermined value-linked card operation information in the storage medium 2745 may be performed before the value-linked card is produced or before the value-linked card is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 29, the card issuing terminal 2750 shown in FIG. 27 is called "terminal" for convenience, and the card issuing server 2700 is called "server" for convenience.

Referring to FIG. 29, the customer accesses the server through a predetermined terminal to connect a communication channel for card issuance application, and the value linked with the rechargeable account and at least one value-based account through the communication channel. Apply for issuance of the value-linked card for issuing a linked card (2900), and correspondingly, the server generates (or extracts) a user interface for issuing the value-linked card and provides it to the terminal through the communication channel. (2905).

Thereafter, the terminal receives (or selects) the value interlocking card issuing application information through the user interface and transmits the input (or selecting) the value interlocking card issuing application information to the server through the communication channel ( 2910).

According to the implementation method of the present invention, the value-linked card issuing application information comprises the customer information of the card issuing customer, predetermined charge-type account information, at least one or more value-type account information and card attribute information .

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 2700 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the chargeable account information, the account information corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, or a chargeable real account opened under the customer's name. Preferably, the corresponding account information includes predetermined account information corresponding to the rechargeable account associated with the value linked card. The value linked card issuing process is performed by the rechargeable online account shown in FIG. When made in conjunction with a registration system, the chargeable account information may be omitted, whereby the present invention is not limited.

In addition, the at least one value account information, account information corresponding to the at least one value online account registered through the value-based online account registration system shown in Figure 19, or the opened value-type real account of the customer name It is preferable that the account information corresponding to at least one or more account information corresponding to at least one or more value linked account associated with the value linked card, the value linked card issuing process is the value type shown in Figure 19 When made in conjunction with an online account registration system, the value type account information may be omitted, thereby not limiting the present invention.

The card attribute information may include payment attribute information (eg, credit card payment attribute information, check card payment attribute information, debit card payment attribute information, etc.) corresponding to the value linked card, and value application attribute information (eg, payment). And at least one or more of a payment processing attribute after deducting a value corresponding to a voucher / discount coupon, or an attribute of deducting a value corresponding to the voucher / discount coupon after a prepayment processing.

Thereafter, the server receives and reads the value-linked card issuing application information from the terminal through the network means, based on the customer information included in the value-linked card issuing information, to the customer and the at least one rechargeable account. The card issuance validity of issuing the value-linked card for issuing a value-linked card linked to the value-type account is verified (2915).

According to an embodiment of the present invention, the validity check for issuing the value linked card to the customer is based on a customer's name and social security number included in the customer information. And verifying that the customer is registered as a customer of the financial institution in connection with a financial company server, and included in the customer information in connection with a predetermined real name verification server (not shown) according to the intention of a person skilled in the art. It is preferable to further comprise checking the real name of the customer based on the customer name and resident registration number.

In addition, the validity check for issuing the value linked card to the customer, in connection with a predetermined financial company server provided in the financial institution through the charge-type online account registration system shown in FIG. It is preferable to include whether the user has already set up a predetermined online charging account or a predetermined charging real account is opened to the customer.

In addition, the validity check for issuing the value linked card to the customer, at least one to the customer through the value type online account registration system shown in Figure 19 in connection with a predetermined financial company server provided in the financial institution It is preferable to include checking whether the above-described value-based online account is already opened or at least one real account is open to the customer.

In addition, when the payment attribute information among the card attribute information included in the value-linked card issuance application information includes a credit card attribute, the validation of the issue of the value-linked card to the customer is based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means.

If the validity of issuing the value-linked card to the customer through the value-linked card issuing application information is not authenticated (2920), the server provides the card issue error information to the customer through the card-issuing interface. 2925, stop issuing the value linked card to the customer.

On the other hand, if the validity of issuing the value-linked card to the customer through the value-linked card issuing application information is authenticated (2920), the server is a value-linked card to issue to the customer based on the value-linked card issuing application information Generate (or extract) 2930 predetermined card information corresponding to the card information, and the card information includes a card number (eg, 16-digit card number) and an expiration date information (some may be omitted) corresponding to the value-linked card; It includes at least one or more agency information (or code).

For example, the card number (although there are some exceptions) is preferably comprised of a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the value-linked card, it may be omitted if there is no valid period in the value-linked card, thereby limiting the present invention Not.

The financial institution information (or code) preferably comprises at least one unique number (or unique code) assigned to the financial institution that issues the value linked card to the customer.

According to an embodiment of the present invention, if the value interlocking card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

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

Thereafter, the server prepares a predetermined value linked card with the card information through a predetermined card issuing device 2740 and provides (or delivers) the card to the customer (2935).

According to an exemplary embodiment of the present invention, if the value interlocking card is an MS card, the card issuing device 2740 may include at least one or more MS tracks (eg, track I, track II, and track III) included in the value interlocking card. It is preferable to include an apparatus for recording the card information.

According to another exemplary embodiment of the present invention, if the value interlocking card is an IC card, the card issuing device 2740 includes an apparatus for recording the card information in a memory provided in the IC chip of the value interlocking card. desirable.

Thereafter, the server applies the customer information included in the value-linked card issuing application information provided from the customer through the card issuing interface, the generated card information, the rechargeable account information, and at least one value type account information and value. Value-linked card operation information including at least one attribute information is stored in the storage medium 2745 (2940).

Here, the customer information included in the value linked card operation information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer Preferably, the card issuance includes at least one member information (for example, member ID information) subscribed to the card issuing server 2700.

The card information included in the value linked card operation information may include credit card information or check card information generated based on payment attribute information among customer information and card attribute information included in the value linked card issue application information. Or at least one debit card information.

In addition, the rechargeable account information included in the value-linked card operation information, the account information corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG. 1 or 10, or the customer It is preferable that the account information corresponding to the chargeable account opened in the name includes predetermined account information corresponding to the chargeable account linked to the value linked card. When the connection is made in conjunction with the online charging account registration system shown in FIG. 10, the charging account information may be omitted, and the present invention is not limited thereto.

In addition, the at least one value-based account information included in the value-linked card operation information, account information corresponding to at least one value-based online account registered through the value-based online account registration system shown in Figure 19, or It is preferable that the account information corresponding to the opened value type real account opened in the customer name includes at least one or more account information corresponding to at least one or more value type linked to the value linked card, this value linked card issuing process When the value type account information is made in connection with the value online account registration system shown in FIG. 19, the value type account information may be omitted, and thus the present invention is not limited thereto.

In addition, the value application attribute information included in the value-linked card operation information, the payment processing attribute after deducting the value corresponding to the voucher / discount coupon of the payment amount, when a predetermined payment through the value-linked card, Or at least one attribute of deducting a value corresponding to the voucher / discount coupon after prepayment.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial institution, wherein the storage medium Reference numeral 2745 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip-based wireless payment provided on the financial institution. It is possible to be provided in the DBMS on the at least one payment system of the system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the storage medium 2745 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial institution, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

30 is a view showing a coupon information registration system for providing a plurality of merchant coupons to a plurality of customers according to an embodiment of the present invention.

In more detail, FIG. 30 includes a plurality of merchant client terminals 3030 accessing a server on a merchant coupon registration system through a predetermined network to include at least one merchant information and merchant coupon information for registering the merchant coupon. If the merchant coupon registration information is provided, the server stores the merchant coupon registration information provided from the merchant client terminal 3030 in association with and stored in the merchant coupon D / B 3025 provided on the merchant coupon registration system. A system configuration for allowing a plurality of customers to register a coupon desired by a customer among at least one merchant coupon registered at at least one merchant through the merchant coupon D / B 3025, and the general knowledge in the technical field to which the present invention belongs. The person having the same, refer to and / or modify this drawing 30 to Various implementation methods for the coupon information registration system configuration for providing a plurality of merchant coupons to a plurality of customers may be inferred, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. 30. It is not limited to only.

Hereinafter, at least one means and / or functional configuration for storing the merchant coupon registration information provided from the merchant client terminal 3030 in the merchant coupon D / B 3025 on the coupon information registration system shown in FIG. 30. The component corresponding to is referred to as "coupon information registration server 3000" for convenience.

Referring to this figure 30 according to an embodiment of the present invention, the coupon information registration system for providing a plurality of merchant coupons to a plurality of customers according to the present invention, at least one merchant client terminal 3030 connected to a predetermined network means ), An affiliated store coupon D / B 3025 for storing and processing the affiliated store coupon information and at least one affiliated store information included in the affiliated store coupon registration information transmitted from the affiliated store client terminal 3030, and the affiliated store client terminal ( 3030) is connected to a predetermined network means, and includes a coupon information registration server 3000 to receive and store merchant coupon registration information transmitted through the network means in association with the merchant coupon D / B (3025) Characterized in that made.

The affiliated client terminal 3030 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the coupon information registration server 3000 and / or a code division multiple access (CDMA) -based mobile communication network ( Or a mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless internet, and / or an IEEE 802.11x based wireless LAN network. And at least one wireless terminal including at least one wireless terminal connected thereto, and the affiliated store. The client terminal 3030 outputs at least one interface screen (eg, a coupon registration screen (or window)) provided by the coupon information registration server 3000, and inputs and / or at least one information through the interface screen. Alternatively, a function configuration (for example, a browser program and a communication function) for selecting and transmitting the coupon information registration server 3000 may be provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the affiliated client terminal 3030 corresponding to at least one or more wired terminals and / or wireless terminals. Is omitted for convenience.

When the affiliated client terminal 3030 is a wired terminal according to an embodiment of the present invention, the network means comprises the TCP / IP based wired communication network, and the affiliated client terminal 3030 is a wireless terminal. Preferably, the network means comprises at least one of a CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network. .

The merchant coupon D / B 3025 provided on the merchant coupon registration system according to the present invention associates at least one merchant information and merchant coupon information included in the merchant coupon registration information transmitted from the merchant client terminal 3030. It is characterized by processing and storing.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

According to an exemplary embodiment of the present invention, the coupon information registration server 3000 may provide a web interface corresponding to the affiliated store client terminal 3030 and the network means, and the affiliated store client terminal 3030 through the network means. And an interface unit 3005 for connecting and managing a predetermined communication channel, whereby the coupon information registration server 3000 establishes a wired communication network and / or a wireless communication network with the affiliated store client terminal 3030. It has the function of a web server connected via communication.

According to an embodiment of the present invention, when the affiliated client terminal 3030 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 3005 may be connected to the affiliated client client 3030. A predetermined communication channel is connected based on a Hyper-Text Transfer Protocol (HTTP) protocol, and an interface screen and / or a Hyper-Text Markup Language (HTML) compatible document form is transmitted to the affiliated client terminal 3030 through the communication channel. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined affiliate store coupon registration information input (or selected) through the interface screen from the affiliate store client terminal 3030.

According to another exemplary embodiment of the present invention, when the affiliated client terminal 3030 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 3005 is connected to the affiliated client client 3030 and the WAP. (Wireless Markup Language (WML) and / or HTML compatible document) to connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol, and to the affiliated client terminal 3030 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen in a form, and receiving and processing predetermined affiliate store coupon registration information corresponding to the interface screen from the affiliate store client terminal 3030.

According to another exemplary embodiment of the present invention, when the affiliated client terminal 3030 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 3005 may include the affiliated client client 3030. And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmits a predetermined interface screen and / or information providing screen to the affiliated client terminal 3030 through the communication channel. And receiving and processing predetermined merchant coupon registration information corresponding to the interface screen from the merchant client terminal 3030, and / or the merchant client terminal 3030 based on IEEE 802.11x. When the communication channel is connected to the wireless terminal through a wireless communication network, the interface unit 3005 A predetermined communication channel is connected to an affiliated store client terminal 3030 based on a wireless protocol corresponding to the IEEE 802.11x standard, and a predetermined interface screen and / or information is provided to the affiliated store client terminal 3030 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined affiliate store coupon registration information corresponding to the interface screen from the affiliate store client terminal 3030.

Referring to FIG. 30, the coupon information registration server 3000 is connected to a coupon information registration server 3000 through a predetermined affiliate client terminal 3030 or the coupon information registration request. Generates a predetermined interface screen for interfacing with the interface unit 3005 to input (or select) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information from the merchant client terminal 3030. (Or extract) the merchant providing coupon registration information transmitted by inputting (or selecting) the interface providing unit 3010 and the affiliated store client terminal 3030 through the interface screen in cooperation with the interface unit 3005. Receiving information receiving unit 3015 (or coupon information receiving means) and the affiliated store coupon registration information received by the affiliated store And an information storage unit 3020 (or coupon information storage means) configured to store the data in association with the coupon D / B 3025.

The interface provider 3010 is connected to the coupon information registration server 3000 through a predetermined merchant client terminal 3030 or the coupon information registration request, the merchant client terminal 3030 The network means by inputting (or selecting) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information in response to the functional configuration (for example, a browser program provided in the merchant client terminal 3030). Generate a predetermined interface screen that can be transmitted to the coupon information registration server 3000 through, and / or extracted from a predetermined database (not shown), and generates (or extracted) in conjunction with the interface unit 3005 ) Provides the interface screen to the affiliated store client terminal 3030 through the network means. It features.

Thereafter, the merchant client terminal 3030 inputs (or selects) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information based on the interface screen, and the merchant coupon registration information is input ( Or selected), the affiliated store client terminal 3030 transmits the inputted (or selected) affiliated store coupon registration information to the coupon information registration server 3000 through the network means.

Those skilled in the art to which the present invention belongs, input (or select) the merchant coupon registration information from the merchant client terminal 3030 through at least one form (Form) form included in the interface screen ) And technical features for transmitting the input (or selected) merchant coupon registration information to the coupon information registration server 3000 through a communication protocol provided by the network means. Detailed description is omitted for convenience.

The information receiving unit 3015 inputs (or selects) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information through the interface screen in the merchant client terminal 3030 through the network means. In the transmission, the affiliated store coupon registration information is received in connection with the interface unit 3005, and the received merchant coupon registration information is provided to the information storage unit 3020.

The information storage unit 3020 may process the affiliated store coupon registration information received through the information receiving unit 3015 and store the information in the affiliated store coupon D / B 3025.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

31 is a diagram illustrating a coupon information registration process for providing a plurality of merchant coupons to a plurality of customers according to an exemplary embodiment of the present invention.

In more detail, in FIG. 31, the merchant client terminal 3030 on the coupon information registration system illustrated in FIG. 30 provides a plurality of merchant coupons to a plurality of merchant coupons to the coupon information registration server 3000 through a predetermined network means. When the merchant coupon registration information for transmitting, the coupon information registration server 3000 for the process of linking the merchant coupon registration information to store in the merchant coupon D / B (3025), the present invention belongs to If one of ordinary skill in the art, it will be able to infer various implementation methods for the coupon information registration process for providing a plurality of merchant coupons to a plurality of customers by referring to and / or modified in this drawing 31, It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 31, the coupon information registration server 3000 on the coupon information registration system shown in FIG. 30 is referred to as a "server" for convenience, and the affiliated client client 3030 on the coupon information registration system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 31, the terminal on the coupon information registration system shown in FIG. 30 connects to a communication channel for providing a plurality of merchant coupons to a plurality of customers by accessing the server through the network means (3100).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the plurality of merchant coupons Since you will be familiar with the technical features of connecting a communication channel for providing a plurality of customers, a detailed description thereof will be omitted for convenience.

When the communication channel for providing a plurality of merchant coupons to a plurality of customers is connected between the terminal and the server as described above, the terminal provides the plurality of merchant coupons to the server through the communication channel to the plurality of customers. Request an interface screen (3105), and correspondingly, the server includes a user interface for inputting (or selecting) merchant coupon registration information including at least one of the merchant information and merchant coupon information from the terminal; And generate (or extract) 3110 and transmit the generated (or extracted) interface screen to the terminal through the communication channel (3115).

Thereafter, the terminal inputs (or selects) the merchant coupon registration information including at least one of the merchant information and the merchant coupon information through the user interface included in the interface screen for input (or selection) of the merchant coupon registration information. (3120).

If the merchant coupon registration information is input (or selected) at the terminal (3125), the terminal transmits the merchant coupon registration information including at least one of the merchant information and the merchant coupon information to the server through the communication channel. In operation 3130, the server associates the affiliated store information and the affiliated store coupon information included in the received affiliated store coupon registration information and stores them in the affiliated store coupon D / B 3025 shown in FIG. 30 (3135). ).

According to an exemplary embodiment of the present disclosure, the affiliated store information and the affiliated store coupon information are stored in the affiliated store coupon D / B 3025 by linking and storing the affiliated store coupons registered in the affiliated store according to the affiliated store type. Or it is preferably made to include classified and stored by coupon type.

32 is a diagram illustrating a merchant coupon registration system for registering a coupon provided by a plurality of merchants according to an exemplary embodiment of the present invention in conjunction with a chargeable account and a value type account.

In more detail, FIG. 32 shows that when a plurality of client terminals access a server on a merchant coupon registration system through a predetermined network means for registering the merchant coupon, the server registers the coupon information shown in FIG. Merchant store coupon information provided by at least one merchant business type (or coupon type) registered through the system, and the customer information and coupon selection information provided by the customer terminal, the merchant coupon corresponding to the coupon selection information in the server A system configuration for storing information in a predetermined storage medium 3235 in association with the chargeable account information and value type account information based on the customer information, and has a general knowledge in the technical field to which the present invention belongs. If so, the coupons provided by the plurality of merchants are charged with reference to and / or modified with reference to FIG. Various implementation methods for the merchant coupon registration system configuration for registering in conjunction with the account and the value-type account may be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. It is not limited.

Hereinafter, at least one means and / or functional configuration for storing the customer information and the coupon selection information provided from the customer terminal in the merchant coupon D / B 3230 on the merchant coupon registration system shown in FIG. The component to be referred to as "merchant coupon registration server 3200" for convenience.

Referring to FIG. 32 according to an embodiment of the present invention, a merchant coupon registration system for registering a coupon provided by a plurality of merchants according to the present invention in association with a charge-type account and a value-type account is provided in a predetermined network means. Merchant coupon D / B (3230) for storing the merchant coupon information for each merchant (or coupon type) to provide to the customer terminal through the at least one or more connected customer terminal, and the coupon information registration system shown in Figure 30, Confirm merchant information corresponding to the coupon selection information received from the customer terminal in association with the merchant coupon D / B 3230, and identify the merchant information and the rechargeable merchant information based on the customer information; And a merchant coupon registration server 3200 for storing in a predetermined storage medium 3235 in association with the value type account information. It shall be.

The customer terminal is connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the merchant coupon registration server 3200 and / or a code division multiple access (CDMA). A mobile communication terminal connected to a Speed Downlink Packet Access) network, and / or a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, and / or a wireless LAN connected to an IEEE 802.11x based wireless network. And at least one or more wireless terminals including at least one terminal, wherein the customer terminal is the affiliated party. A function configuration for outputting at least one or more interface screens provided by the coupon registration server 3200, and inputting and / or selecting at least one or more information through the interface screen to transmit to the affiliated store coupon registration server 3200 (eg, , A browser program and a communication function) are preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, when the customer terminal is a wired terminal, the network means comprises the TCP / IP based wired communication network, and when the customer terminal is a wireless terminal, the network means is the CDMA based. (Or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless LAN communication network is preferably made of at least one or more.

The merchant coupon D / B 3230 provided on the merchant coupon registration system according to the present invention stores merchant information by merchants (or coupon types) registered through the coupon information registration system shown in FIG. In more detail, the affiliated store information and the affiliated store coupon information registered through the coupon information registration system shown in FIG. 30 are stored in a cooperative process.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

According to an embodiment of the present invention, the merchant coupon registration server 3200 connects and manages a predetermined communication channel with the customer terminal through the network means to provide a web interface corresponding to the customer terminal and the network means. It characterized in that it comprises an interface unit 3205, whereby the merchant coupon registration server 3200 has a function of a web server that is connected to communicate with the customer terminal through a wired and / or wireless communication network.

According to an embodiment of the present invention, when the customer terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 3205 may connect to the customer terminal with HTTP (Hyper-Text Transfer Protocol). Connect a predetermined communication channel based on a protocol, transmit and output an interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the customer terminal through the communication channel, and output the result. It is preferable to perform a function of receiving and processing predetermined customer information and coupon selection information input (or selected) through the interface screen.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 3205 may communicate with the customer terminal and WAP (Wireless Application Protocol) and / or Connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and transmit an interface screen and / or an information providing screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal through the communication channel. It is preferable to perform a function for receiving and outputting, receiving and receiving predetermined customer information and coupon selection information corresponding to the interface screen from the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal connected to a communication channel through an IEEE 802.16x based wireless communication network, the interface unit 3205 may comply with the customer terminal and the IEEE 802.16x standard. Connecting a predetermined communication channel based on a corresponding wireless protocol, transmitting and outputting a predetermined interface screen and / or information providing screen to the customer terminal through the communication channel, and corresponding to the interface screen from the customer terminal; It is preferable to perform a function of receiving and processing predetermined customer information and coupon selection information, and / or when the customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit ( 3205) establishes a predetermined communication channel based on the client terminal and a wireless protocol corresponding to the IEEE 802.11x standard. And transmitting and outputting a predetermined interface screen and / or information providing screen to the customer terminal through the communication channel, and receiving and processing predetermined customer information and coupon selection information corresponding to the interface screen from the customer terminal. It is desirable to perform the function.

Referring to FIG. 32, the merchant coupon registration server 3200 is connected to the merchant coupon registration server 3200 or requests a merchant coupon registration through the interface 3205. ) And select at least one coupon from among at least one affiliate business type (or coupon type) registered merchant coupon information registered in the affiliate coupon D / B 3230, and then input the customer information and coupon selection information (or An interface providing unit 3210 that generates (or extracts) a predetermined interface screen to be transmitted), and inputs (or selects) through the interface screen at the customer terminal in cooperation with the interface unit 3205. Information receiving unit 3215 (or coupon information providing means) for receiving customer information and coupon selection information to be transmitted, and the merchant coupon D / B 3230; In addition, the merchant coupon information corresponding to the received coupon selection information is checked, and the chargeable account information corresponding to the customer information and at least one or more value type account information in association with the storage medium 3235 shown in FIG. 27. An information confirmation unit 3220 for confirming and the coupon information registration unit 3225 (or storing the confirmed merchant coupon information in the storage medium 3235 in association with the confirmed rechargeable account information and value account information) (or Coupon information registration means).

The interface providing unit 3210 has a function configuration (eg, a customer) provided in the customer terminal when a predetermined customer terminal accesses the merchant coupon registration server 3200 or requests a merchant coupon registration through the interface unit 3205. A browser program provided in the terminal) and select at least one coupon from among at least one affiliate store type (or coupon type) affiliate store coupon information registered in the affiliate coupon D / B 3230, and then the customer information and the coupon. Generate a predetermined interface screen that can input (or select) selection information and transmit it to the merchant coupon registration server 3200 via the network means, and / or extract from a predetermined database (not shown), and the interface The customer end via the network means the interface screen generated (or extracted) in conjunction with the unit 3205 To provide a features.

Thereafter, the customer terminal inputs (or selects) predetermined customer information and coupon selection information based on the interface screen, and when it is confirmed that the customer information and coupon selection information have been input (or selected), the customer terminal The input (or selected) customer information and coupon selection information are transmitted to the affiliated store coupon registration server 3200 through the network means.

If one of ordinary skill in the art to which the present invention pertains, the customer terminal to enter (or select) the customer information and the coupon selection information through at least one form (Form) included in the interface screen And the technical features for transmitting the input (or selection) of the customer information and the coupon selection information to the merchant coupon registration server 3200 through a communication protocol provided by the network means. Description is omitted for convenience.

The information receiving unit 3215 inputs (or selects) predetermined customer information and coupon selection information through the interface screen at the customer terminal and transmits the predetermined customer information and coupon selection information through the network means, interworking with the interface unit 3205. And receiving the customer information and the coupon selection information to the information checking unit 3220.

According to another embodiment of the present invention, the customer information transmitted from the customer terminal is charged online account information (or in the name of the customer) registered through the charging online account registration system shown in FIG. Value-added online account information (or in the name of the customer), which is replaced with the rechargeable account information including at least one opened real-account information, or registered through the value-based online account registration system shown in FIG. Or a card value issued through a value linked card issuing system as shown in FIG. 27, thereby replacing the value type account information. This is not limited.

When the customer information and the coupon selection information are received from the customer terminal through the information receiving unit 3215, the information checking unit 3220 is connected to the merchant coupon D / B 3230 to receive the received coupon selection information. Identifying corresponding at least one merchant coupon information.

In addition, the information checking unit 3220 may check the chargeable account information corresponding to the customer information and at least one value type account information in connection with the storage medium 3235 shown in FIG. 27.

Thereafter, the coupon information registration unit 3225 stores at least one merchant coupon information identified based on the coupon selection information in the storage medium 3235 in association with the confirmed rechargeable account information and value account information. It is characterized by.

According to the present invention, the coupon information registration unit 3225 stores the affiliate store coupon information in the storage medium 3235 in association with the chargeable account information and the value type account information, and the merchant coupon in the value type account. It is characterized by registering (or depositing) the value of.

33 is a diagram illustrating a process of registering a coupon provided by a plurality of merchants in association with a charge-type account and a value-type account according to an embodiment of the present invention.

In more detail, FIG. 33 illustrates at least one affiliated business category registered through the coupon information registration system shown in FIG. 30 as the customer terminal in the merchant coupon registration server 3200 on the merchant coupon registration system shown in FIG. 32. (Or each coupon type) provides merchant coupon information, and when the customer terminal provides the customer information and the coupon selection information, the server stores the merchant coupon information corresponding to the coupon selection information based on the customer information. This is about the process of storing in a predetermined storage medium 3235 in association with the type account information and the value type account information, if one of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 33 Merchant coupon registration to register coupons provided by a plurality of merchants in conjunction with a rechargeable account and a value account Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 33, the merchant coupon registration server 3200 on the merchant coupon registration system shown in FIG. 32 is referred to as "server" for convenience, and the customer terminal on the merchant coupon registration system shown in FIG. 32 is called "terminal" for convenience. It is called.

Referring to FIG. 33, a terminal on the merchant coupon registration system shown in FIG. 32 is connected to the server through the network means to register coupons provided by a plurality of merchants in association with a rechargeable account and a value account. The communication channel for connecting (3300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention belongs, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the plurality of affiliated stores Since you will be familiar with the technical features of connecting the communication channel for registering the provided coupon linked to the rechargeable account and the value-type account, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for registering a coupon provided by a plurality of merchants in association with a chargeable account and a value type account is connected between the terminal and the server, the terminal connects the plurality of affiliated stores to the server through the communication channel. Request the interface screen for registering the provided coupon in conjunction with the charge-type account and the value-type account (3305), the server corresponding to the at least one registered in the merchant coupon D / B 3230 in the terminal After selecting at least one or more coupons of the affiliated merchant type information (or coupon type) by the merchant, and generates (or extracted) an interface screen including a user interface for inputting (or selecting) the customer information and coupon selection information. In operation 3315, the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (3315).

Thereafter, the terminal processes to input (or select) the customer information and the coupon selection information through the user interface included in the interface screen for inputting (or selecting) the customer information and the coupon selection information (3320).

If the customer information and the coupon selection information are input (or selected) in the terminal (3325), the terminal transmits the customer information and coupon selection information to the server through the communication channel (3330), and correspondingly The server checks at least one merchant coupon information corresponding to the received coupon selection information in association with the merchant coupon D / B 3230 (3335) and links with the storage medium 3235 shown in FIG. After confirming the chargeable account information and at least one or more value type account information corresponding to the customer information (3340), at least one merchant coupon information confirmed based on the coupon selection information and the confirmed rechargeable account information and The storage medium 3235 is stored in association with the value type account information (3345).

According to the present invention, the server stores the merchant coupon information in the storage medium 3235 in association with the chargeable account information and the value type account information, thereby registering the value of the merchant coupon in the value type account ( Or deposited).

34 is a diagram illustrating a merchant coupon registration system for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

In more detail, in FIG. 34, a plurality of merchant client terminals access a server on a merchant coupon registration system through a predetermined network to register the merchant coupon, and the merchant coupon registration includes at least one of the merchant information and merchant coupon information. If the information is provided, the server stores the affiliated coupon registration information provided from the affiliated store client terminal in association with the affiliated store coupon D / B 3435 provided on the affiliated store coupon registration system, and then stores the stored information. Provides an interface screen (eg, a selection screen (or window)) for selecting a customer (or group of customers) to receive the affiliate store coupon from the terminal, and provides a coupon target customer (or group of customers) through the interface screen in the merchant client terminal. If you provide (or select) optional information, The server further stores the customer (or customer group) selection information in association with the merchant coupon D / B 3435 and stores the at least one customer (or customer group) corresponding to the customer (or customer group) selection information. As a system configuration for providing merchant coupons, those of ordinary skill in the art to which the present invention pertains, merchants coupons that provide the plurality of merchant coupons to a plurality of customers by referring to and / or modifying the drawing 34. Various implementation methods for the registration system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the merchant coupon registration information provided from the merchant client terminal in the merchant coupon D / B 3435 on the merchant coupon registration system illustrated in FIG. The component is referred to as "merchant coupon registration server 3400" for convenience.

Referring to FIG. 34 according to an embodiment of the present invention, a merchant coupon registration system for providing a plurality of merchant coupons according to the present invention to a plurality of customers includes at least one merchant client terminal connected to a predetermined network means; Associate and store at least one merchant information included in the merchant coupon registration information transmitted from the merchant client terminal and the merchant coupon information, and further process the link providing target customer (or customer group) selection information transmitted from the merchant client terminal. Merchant coupon D / B (3435), and stores the merchant coupon D / B (3435) is connected to the merchant client terminal through a predetermined network means, receives the merchant coupon registration information transmitted through the network means ) To process and store in association with the merchant client When the terminal transmits a predetermined coupon providing target customer (or customer group) selection information, the merchant coupon registration server 3400 for providing the merchant coupon to the customer (or customer group) corresponding to the customer (or customer group) selection information; Characterized in that made.

The affiliated client terminal may be configured through a transmission control protocol / Internet protocol (TCP / IP) -based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a notebook computer connected to the merchant coupon registration server 3400 and / or a code division multiple access (CDMA). A mobile communication terminal connected to a high speed downlink packet access network) and / or a mobile internet terminal connected to the IEEE 802.16x based high speed wireless internet, and / or a wireless network connected to an IEEE 802.11x based wireless LAN. At least one wireless terminal including at least one or more LAN terminals, and the affiliated store The client terminal outputs at least one interface screen (eg, a coupon registration screen (or window)) provided by the merchant coupon registration server 3400, and inputs and / or selects at least one information through the interface screen. It is preferable that a function configuration (for example, a browser program and a communication function) for transmitting to the merchant coupon registration server 3400 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the merchant client terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, when the affiliated client terminal is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the affiliated client terminal is a wireless terminal, the network means It is preferable to include at least one CDMA-based (or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless LAN communication network.

The merchant coupon D / B 3435 provided on the merchant coupon registration system according to the present invention includes at least one merchant information and merchant coupon information and a coupon target customer included in the merchant coupon registration information transmitted from the merchant client terminal. (Or customer group) characterized in that the selected information is linked to process.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

The coupon selection target customer (or customer group) selection information may include information on selecting at least one customer from among customers corresponding to the customer information stored in the storage medium 3440 on the value linked card issuing system shown in FIG. 27. Or, preferably, information for selecting at least one customer group.

According to an exemplary embodiment of the present invention, the coupon selection target customer (or customer group) selection information includes a customer (or customer group) belonging to a specific gender, a specific region among customer information stored in the storage medium 3440 shown in FIG. It is desirable to select a customer (or group of customers) belonging to, a customer (or group of customers) belonging to a certain age, or a customer (or group of customers) belonging to a specific voucher target.

According to an embodiment of the present invention, the merchant coupon registration server 3400 connects a predetermined communication channel with the merchant client terminal through the network means to provide a web interface corresponding to the merchant client terminal and the network means. And an interface unit 3405 for managing, thereby allowing the merchant coupon registration server 3400 to function as a web server communicating with the merchant client terminal through a wired communication network and / or a wireless communication network. Equipped.

According to an embodiment of the present invention, when the affiliated client terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 3405 may connect the merchant client terminal with HTTP (Hyper-Text Transfer). A predetermined communication channel is connected based on a protocol, and the interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the affiliated client terminal through the communication channel and outputted. It is preferable to perform a function of receiving and processing predetermined merchant coupon registration information (or coupon target customer (or customer group) selection information) input (or selected) inputted through the interface screen from the merchant client terminal.

According to another exemplary embodiment of the present invention, when the affiliated client terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 3405 may include a wireless application protocol (WAP) and the affiliated client terminal. And / or connect a predetermined communication channel based on the Mobile Explorer (ME) protocol, and provide an interface screen and / or information in the form of a wireless markup language (WML) and / or HTML compatible document to the affiliated client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined merchant coupon registration information (or coupon target customer (or customer group) selection information) corresponding to the interface screen from the merchant client terminal.

According to another exemplary embodiment of the present invention, when the affiliated client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 3405 may connect to the affiliated client client terminal and the IEEE 802.16x. A predetermined communication channel is connected based on a wireless protocol corresponding to a standard, a predetermined interface screen and / or an information providing screen are transmitted to the affiliated client terminal through the communication channel, and outputted, and the interface is transmitted from the affiliated client client terminal. It is preferable to perform a function of receiving and processing predetermined merchant coupon registration information (or coupon target customer (or group of customers) selection information) corresponding to the screen, and / or the merchant client terminal is an IEEE 802.11x based wireless communication network. In case of a wireless terminal to which a communication channel is connected through The interface unit 3405 connects a predetermined communication channel with the affiliated client terminal based on a wireless protocol corresponding to the IEEE 802.11x standard, and provides a predetermined interface screen and / or to the affiliated client client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined merchant coupon registration information (or coupon providing target customer (or customer group) selection information) corresponding to the interface screen from the merchant client terminal. .

Referring to FIG. 34, the affiliated store coupon registration server 3400 may be configured to allow the affiliated store client terminal to access the affiliated store coupon registration server 3400 or to request coupon information registration through the interface unit 3405. In connection with 3405, the merchant client terminal generates (or extracts) a predetermined interface screen for inputting (or selecting) and transmitting merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information. An information receiving unit 3415 (or 3151) receiving affiliate store coupon registration information that is input (or selected) and transmitted from the affiliate client terminal through the interface screen in association with the interface providing unit 3410 and the interface unit 3405. Coupon information receiving means) and the received merchant coupon registration information to the merchant coupon D / B And an information storage unit 3420 (or coupon information storage means) for storing in association with 3435.

The interface providing unit 3410 has a functional configuration provided to the affiliated client terminal when a predetermined affiliated client terminal accesses the coupon registration server 3400 or requests coupon information registration through the interface unit 3405. The merchant coupon registration server through the network means by inputting (or selecting) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information in response to a browser program provided in the merchant client terminal. Create a predetermined interface screen that can be transmitted to the 3400, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 3405 to generate the interface screen generated (or extracted) to the network It provides to the merchant client terminal through the means The.

Thereafter, the merchant client terminal inputs (or selects) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information based on the interface screen, and the merchant coupon registration information is input (or selected). If it is confirmed that, the merchant client terminal transmits the merchant coupon registration information input (or selected) through the network means to the merchant coupon registration server 3400.

If the person skilled in the art to which the present invention pertains, the affiliated store client terminal inputs (or selects) the merchant coupon registration information through at least one form (Form) form included in the interface screen. And, it will be familiar with the technical features for transmitting the merchant coupon registration information (or selected) inputted through the communication protocol provided by the network means to the merchant coupon registration server 3400, a detailed description thereof Omit for convenience.

When the information receiving unit 3415 inputs (or selects) merchant registration information including at least one of predetermined merchant information and merchant coupon information through the interface screen from the merchant client terminal and transmits the same through the network means, The affiliated store coupon registration information may be received in association with the interface unit 3405, and the received affiliated store coupon registration information is provided to the information storage unit 3420.

The information storage unit 3420 processes the affiliated store coupon registration information received through the information receiving unit 3415 and stores the information in the affiliated store coupon D / B 3435.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

Referring to FIG. 34, the affiliated store coupon registration server 3400 requests a predetermined affiliated client terminal to access the affiliated store coupon registration server 3400 or to select a target customer (or customer group) through the interface unit 3405. In response to the interface unit 3405, the merchant client terminal generates (or extracts) a predetermined interface screen for inputting (or selecting) a predetermined coupon providing target customer (or customer group) selection information to be transmitted. Information for receiving coupon selection target customer (or customer group) selection information that is input (or selected) transmitted through the interface screen from the merchant client terminal in cooperation with the interface providing unit 3410 and the interface unit 3405. Receiving unit 3415 (or customer (or group of customers) selection information receiving means) and the received coupon offer target customer (and The customer group) is characterized in that it comprises an information storage unit 3420 for storing the selected information linked to the merchant coupon D / B (3435).

The interface providing unit 3410 may request that the affiliated client client access a merchant coupon registration server 3400 or select a coupon providing target customer (or group of customers) through the interface unit 3405. The merchant coupon registration server is input through the network means by inputting (or selecting) predetermined coupon offer target customers (or group of customers) corresponding to the functional configuration (for example, a browser program provided in the merchant client terminal) provided in the terminal. Create a predetermined interface screen that can be transmitted to the 3400, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 3405 to generate the interface screen generated (or extracted) to the network It is characterized in that it provides to the merchant client terminal through the means.

Thereafter, the merchant client terminal inputs (or selects) predetermined coupon providing target customer (or customer group) selection information based on the interface screen, and the coupon providing target customer (or customer group) selection information is input (or selection). When it is confirmed, the affiliated client terminal transmits the input (or selected) coupon providing target customer (or customer group) selection information to the affiliated coupon registration server 3400 through the network means.

In the technical field to which the present invention pertains, the merchant client terminal inputs the coupon providing target customer (or customer group) selection information through at least one form form included in the interface screen ( Or a technical feature for transmitting the selected (or selected) coupon providing target customer (or customer group) selection information to the affiliated coupon registration server 3400 through a communication protocol provided by the network means. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The interface receiver 3415 inputs (or selects) predetermined coupon providing target customer (or group of customers) selection information from the affiliated client terminal through the interface screen, and transmits the selected coupon information through the network means. And receiving the coupon selection target customer (or customer group) selection information in conjunction with the above, and provides the received coupon selection target customer (or customer group) selection information to the information storage unit 3420.

The information storage unit 3420 is linked to the affiliated store coupon D / B (3435) and the coupon offer target customer (or customer group) selection information received through the information receiving unit 3415 to the stored merchant information merchant coupon information Characterized in that the further processing.

Referring to FIG. 34, when the merchant coupon registration server 3400 receives the coupon selection target customer (or customer group) selection information from the merchant client terminal, the merchant coupon registration server 3400 is connected to the storage medium 3440 illustrated in FIG. 27. An information checking unit 3425 for identifying at least one or more pieces of customer information corresponding to the coupon selection target customer (or group of customers), rechargeable account information and at least one value type account information associated with the customer information; And a coupon information registration unit 3430 (or coupon information registration means) for storing the registered merchant coupon information in the storage medium 3440 in association with the confirmed rechargeable account information and value type account information. It features.

When the coupon providing target customer (or customer group) selection information is received from the affiliated client client terminal, the information checking unit 3425 is connected to the storage medium 3440 shown in FIG. 27 to provide the target customer (or customer group). At least one customer information corresponding to the selection information is confirmed.

When at least one piece of customer information corresponding to the coupon selection target customer (or group of customers) information is confirmed, the information checking unit 3425 is connected to the storage medium 3440 and the rechargeable account information associated with the customer information. And at least one or more value type account information.

Thereafter, the coupon information register 3430 connects the merchant coupon information registered from the merchant client terminal with the chargeable account information and the value type account information associated with each of the confirmed customer information, and the storage medium 3440. Characterized in that stored in.

According to the present invention, the coupon information register 3430 stores the merchant coupon information in the storage medium 3440 in association with the chargeable account information and the value type account information, and the merchant coupon in the value type account. It is characterized by registering (or depositing) the value of.

35 is a diagram illustrating a coupon information registration process for providing a plurality of merchant coupons to a plurality of customers according to another embodiment of the present invention.

More specifically, FIG. 35 is a merchant coupon for providing a plurality of merchant coupons to a plurality of merchant coupons by the merchant client terminal on the merchant coupon registration system illustrated in FIG. 34 to the merchant coupon registration server 3400 through a predetermined network means. When the registration information is transmitted, the merchant coupon registration server 3400 processes the affiliated coupon registration information in association with the process for storing in the merchant coupon D / B (3435), the general knowledge in the technical field to which the present invention belongs If the person having the present invention, the present invention can infer various implementation methods for the coupon information registration process for providing a plurality of merchant coupons to a plurality of customers by referring to and / or modifying the present invention, but the present invention is all inferred implementation It includes a method, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 35, the merchant coupon registration server 3400 on the merchant coupon registration system shown in FIG. 34 is referred to as "server" for convenience, and the merchant client terminal on the merchant coupon registration system shown in FIG. 34 is called "terminal" for convenience. "

Referring to FIG. 35, the terminal on the merchant coupon registration system shown in FIG. 34 connects to a communication channel for providing a plurality of merchant coupons to a plurality of customers by accessing the server through the network means (3500).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the plurality of merchant coupons Since you will be familiar with the technical features of connecting a communication channel to provide a plurality of customers, a detailed description thereof will be omitted for convenience.

When the communication channel providing a plurality of merchant coupons to a plurality of customers is connected between the terminal and the server as described above, the terminal provides the plurality of merchant coupons to the server through the communication channel to the plurality of customers. Request a screen (3505), and correspondingly, the server displays an interface screen including a user interface for inputting (or selecting) merchant coupon registration information including at least one of the merchant information and merchant coupon information from the terminal. It generates (or extracts) 3510 and transmits the generated (or extracted) interface screen to the terminal through the communication channel (3515).

Thereafter, the terminal inputs (or selects) the merchant coupon registration information including at least one of the merchant information and the merchant coupon information through the user interface included in the interface screen for input (or selection) of the merchant coupon registration information. (3520).

If the merchant coupon registration information is input (or selected) at the terminal (3525), the terminal transmits the merchant coupon registration information including at least one of the merchant information and the merchant coupon information to the server through the communication channel. In response to 3530, the server associates and processes merchant information and merchant coupon information included in the received merchant coupon registration information and stores it in merchant coupon D / B 3435 illustrated in FIG. 34 (3535). ).

36 is a diagram illustrating a process of providing a merchant coupon to a plurality of customers according to another exemplary embodiment of the present invention.

More specifically, FIG. 36 illustrates a merchant coupon to be provided to at least one customer at the merchant through the coupon information registration process illustrated in FIG. 35 in the merchant coupon registration server 3400 on the merchant coupon registration system illustrated in FIG. 34. After registering, the customer terminal provides an interface screen (for example, a selection screen (or window)) for selecting a customer (or group of customers) to receive the merchant coupon, and provides the coupon through the interface screen at the merchant client terminal. If the target customer (or customer group) selection information is input (or selected) and provided, the server further stores the customer (or customer group) selection information in association with the merchant coupon D / B 3435, and stores the customer (or Customer group) in the process of providing the merchant coupon to at least one customer (or customer group) corresponding to the selection information As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the process of providing the merchant coupons to a plurality of customers by referring to and / or modifying the drawing 36 may be inferred. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 36, the merchant coupon registration server 3400 on the merchant coupon registration system shown in FIG. 34 is referred to as "server" for convenience, and the merchant client terminal on the blind spot coupon registration system shown in FIG. Terminal ".

Referring to FIG. 36, when the server registers a merchant coupon to be provided to at least one customer at the affiliate store through the coupon information registration process illustrated in FIG. 35, the terminal is connected to the server through the communication channel. Request an interface screen for selecting the coupon target customer (or group of customers) (3600), and correspondingly, the server inputs (or selects) the coupon target customer (or group of customers) selection information from the terminal; An interface screen including a user interface for generating (or extracting) an interface screen is created (3605), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (3610).

Thereafter, the terminal processes 3615 to input (or select) the coupon providing target customer (or customer group) selection information through the user interface included in the interface screen.

If the coupon providing target customer (or customer group) selection information is input (or selected) in the terminal (3620), the terminal transmits the coupon providing target customer (or customer group) selection information to the server through the communication channel. In response (3625), the server associates the received coupon offer target customer (or customer group) selection information to the merchant coupon D / B 3435 with the merchant information and the merchant coupon information registered through FIG. 35. In operation 3630, the storage is performed.

Thereafter, the server checks at least one or more pieces of customer information corresponding to the coupon selection target customer (or group of customers) in connection with the storage medium 3440 illustrated in FIG. 27 (x35), and the confirmed customer information. After checking at least one rechargeable account information and value account information corresponding to (3640), the merchant coupon information registered through the process shown in Figure 35 the at least one rechargeable account information and value type confirmed The storage medium 3440 is linked with the account information (3645).

According to the present invention, the server stores the merchant coupon information in the storage medium 3440 in association with the chargeable account information and the value type account information, thereby registering the value of the merchant coupon in the value type account ( Or deposited).

37 is a view showing a coupon application system according to an embodiment of the present invention.

In more detail, in FIG. 37, when a predetermined customer terminal accesses a server on a merchant coupon registration system through a predetermined network means and provides customer information and coupon application information, the server provides the customer information and coupon provided from the customer terminal. Regarding the coupon application system configuration for storing the application information linked to the coupon application D / B (3725) provided on the merchant coupon registration system, if the person having ordinary knowledge in the technical field to which the present invention belongs, Various implementation methods for the coupon application system configuration may be inferred by referring to and / or modifying the drawing 37, but the present invention includes all the implementation methods inferred, and is limited to the implementation method shown in the drawing 37 only. Not.

Hereinafter, at least one means and / or functional configuration for storing the customer information and the coupon application information provided from the customer terminal on the coupon application D / B 3725 on the coupon application system shown in FIG. The component is referred to as "coupon application server 3700" for convenience.

Referring to this figure 37 according to the embodiment of the present invention, the coupon application system according to the present invention, at least one or more customer terminals connected to a predetermined network means, the customer information transmitted from the customer terminal and coupon application information linked Coupon application D / B 3725 for processing and storing, and is connected to the customer terminal through a predetermined network means, and receives the customer information and coupon application information transmitted through the network means to receive the coupon application D / B ( 3725) is characterized in that it comprises a coupon application server 3700 to process the stored connection.

The customer terminal is connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the coupon application server 3700 and / or a code division multiple access (CDMA) A mobile communication terminal connected to a downlink packet access) network, and / or a portable internet terminal connected to IEEE 802.16x based high speed wireless internet, and / or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. It characterized in that it comprises at least one or more wireless terminals comprising at least one, wherein the customer terminal is the coupon application A function configuration (for example, a browser program) for outputting at least one or more interface screens provided by the 3700 and inputting and / or selecting at least one or more information through the interface screen and transmitting the same to the coupon application server 3700. Communication function) is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, when the customer terminal is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the customer terminal is a wireless terminal, the network means is the CDMA based. (Or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless LAN communication network is preferably made of at least one or more.

The coupon application D / B (3725) provided on the merchant coupon registration system according to the present invention is characterized in that the customer information transmitted from the customer terminal and the coupon application information stored in association.

The customer information may be established through a chargeable online account registration system shown in FIG. 1 or 10, or by opening a predetermined chargeable online account (or a real account in the name of the customer), or the value shown in FIG. Opening predetermined value-based online account information (or value-based real account information of the customer's name) through a typed online account registration system, or a value-linked card issued through a value-linked card issuing system shown in FIG. It is preferable to include at least one or more personal information or member information of the customer.

The coupon application information may include at least one coupon issuing agency information for issuing a coupon to be provided by the customer, information on a merchant using a coupon to be used at a specific affiliate store, or coupon type information to be provided by the customer. It is preferable to comprise a phase.

According to an embodiment of the present invention, the coupon application server 3700 connects and manages a predetermined communication channel with the customer terminal through the network means to provide a web interface corresponding to the customer terminal and the network means. It characterized in that it comprises an interface unit 3705, whereby the coupon application server 3700 has a function of a web server that is connected to communicate with the customer terminal via a wired and / or wireless communication network.

According to an embodiment of the present invention, when the customer terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 3705 connects to the customer terminal with HTTP (Hyper-Text Transfer Protocol). Connect a predetermined communication channel based on a protocol, transmit and output an interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the customer terminal through the communication channel, and output the result. It is preferable to perform a function of receiving and processing predetermined customer information and coupon application information input (or selected) through the interface screen.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 3705 is connected to the customer terminal and a WAP (Wireless Application Protocol) and / or Connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and transmit an interface screen and / or an information providing screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal through the communication channel. It is preferable to perform the function of outputting and receiving and processing predetermined customer information and coupon application information corresponding to the interface screen from the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 3705 may comply with the customer terminal and the IEEE 802.16x standard. Connecting a predetermined communication channel based on a corresponding wireless protocol, transmitting and outputting a predetermined interface screen and / or information providing screen to the customer terminal through the communication channel, and corresponding to the interface screen from the customer terminal; It is preferable to perform a function of receiving and processing predetermined customer information and coupon application information, and / or when the customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit ( 3705) opens a predetermined communication channel based on the client terminal and a wireless protocol corresponding to the IEEE 802.11x standard. And transmitting and outputting a predetermined interface screen and / or information providing screen to the customer terminal through the communication channel, and receiving and processing predetermined customer information and coupon application information corresponding to the interface screen from the customer terminal. It is preferable to carry out.

Referring to FIG. 37, the coupon application server 3700 is connected to the coupon application server 3700 via the interface unit 3705. The coupon application server 3700 interacts with the interface unit 3705 and the client terminal. The interface providing unit 3710 and the interface unit 3705 to generate (or extract) a predetermined interface screen for inputting (or selecting) and transmitting predetermined customer information and coupon application information in the An information receiver 3715 (or a coupon application information receiving means) for receiving customer information and coupon application information inputted (or selected) and transmitted from a customer terminal through the interface screen, and the received customer information and coupon application information. Characterized in that the information storage unit 3720 is stored in association with the coupon request D / B (3725).

The interface providing unit 3710 has a functional configuration (eg, a browser program provided in the customer terminal) provided in the customer terminal when a predetermined customer terminal is connected to the coupon application server 3700 through the interface unit 3705. Generate a predetermined interface screen for inputting (or selecting) predetermined customer information and coupon application information to the coupon application server 3700 via the network means, and / or a predetermined database ( And extracts the generated (or extracted) interface screen to the customer terminal through the network means in conjunction with the interface unit 3705.

Thereafter, the customer terminal inputs (or selects) predetermined customer information and coupon application information based on the interface screen, and when it is confirmed that the customer information and coupon application information are input (or selected), the customer terminal The customer information and coupon application information input (or selected) are transmitted to the coupon application server 3700 via the network means.

If one of ordinary skill in the art to which the present invention pertains, the technical information for inputting (or selecting) the customer information and the coupon application information through at least one form (Form) included in the interface screen in the customer terminal And the technical features for transmitting the input (or selected) customer information and coupon application information to the coupon application server 3700 through a communication protocol provided by the network means. Is omitted for convenience.

The information receiving unit 3715 inputs (or selects) predetermined customer information and coupon application information through the interface screen in the customer terminal and transmits the predetermined customer information and coupon application information through the network means, and interlocks with the interface unit 3705. And receiving the customer information and the coupon application information, and providing the received customer information and the coupon application information to the information storage unit 3720.

The information storage unit 3720 may process the customer information and the coupon application information received through the information receiving unit 3715 and store the information in the coupon application D / B 3725.

The customer information may be established through a chargeable online account registration system shown in FIG. 1 or 10, or by opening a predetermined chargeable online account (or a real account in the name of the customer), or the value shown in FIG. Opening predetermined value-based online account information (or value-based real account information of the customer's name) through a typed online account registration system, or a value-linked card issued through a value-linked card issuing system shown in FIG. It is preferable to include at least one or more personal information or member information of the customer.

The coupon application information may include at least one coupon issuing agency information for issuing a coupon to be provided by the customer, at least one coupon to be used at a specific merchant, or coupon type information to be provided by the customer. It is preferable to comprise.

38 is a diagram illustrating a coupon application process according to an embodiment of the present invention.

In more detail, in FIG. 38, when the customer terminal on the coupon application system shown in FIG. 37 transmits customer information and coupon application information to the coupon application server 3700 via a predetermined network means, the coupon application server ( The process of linking the customer information and the coupon application information at 3700 and storing the result in the coupon application D / B 3725, if one of ordinary skill in the art belongs to the present invention, refer to FIG. And / or modified to infer various implementation methods for the coupon application process, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 38, the coupon application server 3700 on the coupon application system shown in FIG. 37 is referred to as "server" for convenience, and the customer terminal on the coupon application system shown in FIG. 37 is called "terminal" for convenience.

Referring to FIG. 38, the terminal on the coupon application system shown in FIG. 37 accesses the server through the network means and establishes a communication channel (3800).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains connect the communication channel by accessing the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the communication channel is connected between the terminal and the server as described above, the terminal requests the interface screen to the server through the communication channel (3805), and correspondingly, the server requests the customer information and the coupon from the terminal. An interface screen including a user interface for inputting (or selecting) information is generated (or extracted) (3810), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (3815). .

Thereafter, the terminal processes to input (or select) the customer information and the coupon application information through the user interface included in the interface screen for inputting (or selecting) the customer information and the coupon application information (3820).

If the customer information and the coupon application information are input (or selected) at the terminal (3825), the terminal transmits the customer information and the coupon application information to the server through the communication channel (3830) and correspondingly The server processes the received customer information and the coupon application information in association and stores them in the coupon application D / B 3725 shown in FIG. 37 (3835).

The customer information may be established through a chargeable online account registration system shown in FIG. 1 or 10, or by opening a predetermined chargeable online account (or a real account in the name of the customer), or the value shown in FIG. Opening predetermined value-based online account information (or value-based real account information of the customer's name) through a typed online account registration system, or a value-linked card issued through a value-linked card issuing system shown in FIG. It is preferable to include at least one or more personal information or member information of the customer.

The coupon application information may include at least one coupon issuing agency information for issuing a coupon to be provided by the customer, at least one coupon to be used at a specific merchant, or coupon type information to be provided by the customer. It is preferable to comprise.

39 is a diagram illustrating a merchant coupon registration system for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

In more detail, when FIG. 39 shows a plurality of merchant client terminals accessing a server on a merchant coupon registration system through a predetermined network means and providing affiliate store coupon registration information including at least one of the merchant information and merchant coupon information, After the server processes and stores the merchant coupon registration information provided from the merchant client terminal in association with the merchant coupon D / B 3940 provided on the merchant coupon registration system, the coupon application D / B shown in FIG. When the registered merchant coupon information matched with the coupon requested by the customer in association with 3937, the merchant account information corresponding to the merchant information provided in the coupon application D / B 3935 System configuration for storing in a predetermined storage medium (3945) in conjunction with information and value-type account information For those of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring a merchant coupon registration system for providing the plurality of merchant coupons to a plurality of customers by referring to and / or modifying the drawing 39 are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing merchant coupon registration information provided from the merchant client terminal in the merchant coupon D / B 3940 on the merchant coupon registration system illustrated in FIG. 39. The component is referred to as "coupon information registration server 3900" for convenience.

Referring to FIG. 39 according to an embodiment of the present invention, a merchant coupon registration system for providing a plurality of merchant coupons according to the present invention to a plurality of customers includes at least one merchant client terminal connected to a predetermined network means; Coupon application D / B (3935) for storing customer information and coupon application information registered through the coupon application system shown in FIG. 37, and at least one merchant information included in merchant coupon registration information transmitted from the merchant client terminal. Merchant coupon D / B (3940) for storing and processing the merchant coupon information in conjunction with, and the merchant client terminal is connected through a predetermined network means, the merchant coupon registration information transmitted through the network means to receive the merchant After processing by storing in conjunction with the coupon D / B (3940), the merchant coupon information is up If matched with the coupon application information provided in the coupon application D / B (3935), based on the customer information associated with the coupon application information, the merchant coupon information associated with the rechargeable account information and value-type account information And a coupon information registration server 3900 to be stored in a predetermined storage medium 3945.

The affiliated client terminal may be configured through a transmission control protocol / Internet protocol (TCP / IP) -based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the coupon information registration server 3900 and / or a code division multiple access (CDMA). A mobile communication terminal connected to a high speed downlink packet access network) and / or a mobile internet terminal connected to the IEEE 802.16x based high speed wireless internet, and / or a wireless network connected to an IEEE 802.11x based wireless LAN. And at least one wireless terminal including at least one or more LAN terminals. The client terminal outputs at least one interface screen (for example, a coupon registration screen (or window)) provided by the coupon information registration server 3900, and inputs and / or selects at least one information through the interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for transmitting to the coupon information registration server 3900 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the merchant client terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, when the affiliated client terminal is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the affiliated client terminal is a wireless terminal, the network means It is preferable to include at least one CDMA-based (or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless LAN communication network.

The coupon application D / B (3935) provided on the merchant coupon registration system according to the present invention is characterized in that the customer information transmitted from the customer terminal and the coupon application information stored in association.

The customer information may be established through a chargeable online account registration system shown in FIG. 1 or 10, or by opening a predetermined chargeable online account (or a real account in the name of the customer), or the value shown in FIG. Opening predetermined value-based online account information (or value-based real account information of the customer's name) through a typed online account registration system, or a value-linked card issued through a value-linked card issuing system shown in FIG. It is preferable to include at least one or more personal information or member information of the customer.

The coupon application information may include at least one coupon issuing agency information for issuing a coupon to be provided by the customer, at least one coupon to be used at a specific merchant, or coupon type information to be provided by the customer. It is preferable to comprise.

The merchant coupon D / B 3940 provided on the merchant coupon registration system according to the present invention stores and associates at least one merchant information and merchant coupon information included in the merchant coupon registration information transmitted from the merchant client terminal. Characterized in that.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

According to an embodiment of the present invention, the coupon information registration server 3900 connects a predetermined communication channel with the affiliated store client terminal through the network unit to provide a web interface corresponding to the affiliated store client terminal and network means. And an interface unit 3905 for managing the coupon information. The coupon information registration server 3900 provides a function of a web server which is connected to the affiliated client terminal through a wired communication network and / or a wireless communication network. Equipped.

According to an embodiment of the present invention, when the affiliated client terminal is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 3905 is HTTP (Hyper-Text Transfer) with the affiliated client terminal. A predetermined communication channel is connected based on a protocol, and the interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the affiliated client terminal through the communication channel and outputted. It is preferable to perform a function of receiving and processing predetermined affiliate store coupon registration information input (or selected) through the interface screen from the affiliate store client terminal.

According to another exemplary embodiment of the present invention, when the affiliated client terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 3905 may include a wireless application protocol (WAP) and the affiliated client terminal. And / or connect a predetermined communication channel based on the Mobile Explorer (ME) protocol, and provide an interface screen and / or information in the form of a wireless markup language (WML) and / or HTML compatible document to the affiliated client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined affiliate store coupon registration information corresponding to the interface screen from the affiliate store client terminal.

According to another exemplary embodiment of the present invention, when the affiliated client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 3905 may include the affiliated client client terminal and the IEEE 802.16x. A predetermined communication channel is connected based on a wireless protocol corresponding to a standard, a predetermined interface screen and / or an information providing screen are transmitted to the affiliated client terminal through the communication channel, and outputted, and the interface is transmitted from the affiliated client client terminal. It is preferable to perform a function of receiving and processing predetermined merchant coupon registration information corresponding to a screen, and / or when the merchant client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network. Interface unit 3905 is the merchant client end And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and transmits and outputs a predetermined interface screen and / or information providing screen to the affiliated store client terminal through the communication channel. It is preferable to perform a function of receiving and processing predetermined merchant coupon registration information corresponding to the interface screen from a client terminal.

Referring to FIG. 39, the coupon information registration server 3900 may be configured when the affiliated client terminal accesses the coupon information registration server 3900 or requests coupon information registration through the interface unit 3905. In operation 3905, the merchant client terminal generates (or extracts) a predetermined interface screen for inputting (or selecting) and transmitting merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information. An information receiving unit 3915 (or a receiving unit 3915) for receiving affiliate store coupon registration information inputted (or selected) and transmitted from the affiliate store client terminal through the interface screen in association with the interface providing unit 3910 and the interface unit 3905. Coupon information receiving means) and the received merchant coupon registration information of the merchant coupon D / B 3940 And an information storage unit (3920) for storing in association process is characterized in that formed.

The interface provider 3910 has a functional configuration (eg, provided in the affiliated client terminal when a predetermined affiliated client terminal accesses the coupon information registration server 3900 or requests coupon information registration through the interface unit 3905). A coupon program registration server 3900 through the network means by inputting (or selecting) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information in response to a browser program provided in the merchant client terminal). Generate a predetermined interface screen that can be transmitted to the network; and / or extract from a predetermined database (not shown), and connect the generated interface screen to the network unit in conjunction with the interface unit 3905. It is characterized in that provided through the merchant client terminal.

Thereafter, the merchant client terminal inputs (or selects) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information based on the interface screen, and the merchant coupon registration information is input (or selected). If it is confirmed that, the affiliated store client terminal transmits the input (or selected) affiliated store coupon registration information to the coupon information registration server 3900 through the network means.

If the person skilled in the art to which the present invention pertains, the affiliated store client terminal inputs (or selects) the merchant coupon registration information through at least one form (Form) form included in the interface screen. And, you will be familiar with the technical features for transmitting the input (or selected) merchant coupon registration information to the coupon information registration server 3900 through a communication protocol provided by the network means, a detailed description thereof for convenience Omit.

The information receiving unit 3915 inputs (or selects) merchant coupon registration information including at least one of predetermined merchant information and merchant coupon information through the interface screen from the merchant client terminal and transmits the same through the network means; The affiliated store coupon registration information may be received in association with the interface unit 3905, and the received affiliated store coupon registration information is provided to the information storage unit 3920.

The information storage unit 3920 may process the affiliate coupon registration information received through the information receiving unit 3915 and store the information in the affiliate store coupon D / B 3940.

Here, the affiliated store information, the merchant basic information (for example, merchant name, merchant address, representative phone number, etc.) to provide the merchant coupon at least one or more customers, merchant business information corresponding to the business type / business status of the merchant It is preferable to comprise a.

In addition, the merchant coupon information is discount coupon information to be provided to at least one or more customers in the merchant, the basic information of the coupon (for example, discount coupon issuing agency (= merchant), discount coupon validity period, discount amount, etc.) and , Coupon type information (eg, discount coupon for the total payment amount, discount coupon for a specific product, etc.) is preferably included.

Referring to FIG. 39, the coupon information registration server 3900 checks whether the registered merchant coupon information matches the coupon application information in association with the coupon application D / B 3935, and the merchant coupon information and the coupon information. When the coupon application information is matched, at least one value type and at least one value type account information corresponding to the customer information is linked to the storage medium 3945 shown in FIG. 27 based on the customer information associated with the coupon application information. An information confirmation unit 3825 for confirming account information and a coupon information registration unit 3930 for storing the confirmed merchant coupon information in the storage medium 3945 in association with the confirmed chargeable account information and value type account information. Or coupon information registration means.

When the affiliated store information and the affiliated store coupon information are registered in the affiliated store coupon D / B 3940, the information checking unit 3825 may store coupons stored in the coupon application D / B 3935 based on the registered affiliated store coupon information. The application information is queried to confirm at least one coupon application information matching the merchant coupon information.

If at least one coupon application information matching the merchant coupon information is found as a result of the checking, the information checking unit 3825 may be connected to at least one of the coupon application information confirmed in association with the coupon application D / B 3935. Identifying one or more customer information, and in conjunction with the storage medium (3945) shown in Figure 27, characterized in that for checking the chargeable account information and at least one or more value type account information corresponding to the customer information.

Thereafter, the coupon information register 3930 stores the registered affiliated store coupon information in the storage medium 3945 in association with each of the identified chargeable account information and value type account information.

According to the present invention, the coupon information register 3930 stores the merchant coupon information in the storage medium 3945 in association with the chargeable account information and the value type account information, and the merchant coupon in the value type account. It is characterized by registering (or depositing) the value of.

40 is a diagram illustrating a coupon information registration process for providing a plurality of merchant coupons to a plurality of customers according to another exemplary embodiment of the present invention.

More specifically, FIG. 40 is a merchant coupon that provides a plurality of merchant coupons to a plurality of customers by the merchant client terminal on the merchant coupon registration system shown in FIG. 39 to the coupon information registration server 3900 through a predetermined network means. When the registration information is transmitted, the coupon information registration server 3900 processes the affiliate coupon registration information in association and stores it in the affiliate coupon D / B 3940, and then the coupon application D / B 3935 shown in FIG. The affiliated merchant coupon information registered in connection with the coupon matches the coupon requested by the customer, the merchant account information corresponding to the customer information provided in the coupon application D / B 3935 Regarding the process of storing in a predetermined storage medium (3945) in connection with the value-type account information, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the coupon information registration process of providing a plurality of merchant coupons to a plurality of customers by referring to and / or modifying the drawing 40 may be inferred, the present invention includes all the implementation methods inferred above. However, the present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 40, the coupon information registration server 3900 on the merchant coupon registration system shown in FIG. 39 is referred to as "server" for convenience, and the merchant client terminal on the merchant coupon registration system shown in FIG. 39 is called "terminal" for convenience. "

Referring to FIG. 40, the terminal on the merchant coupon registration system illustrated in FIG. 39 connects to a communication channel for providing a plurality of merchant coupons to a plurality of customers by accessing the server through the network means (4000).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the plurality of merchant coupons Since you will be familiar with the technical features of connecting a communication channel to provide a plurality of customers, a detailed description thereof will be omitted for convenience.

When the communication channel for providing a plurality of merchant coupons to a plurality of customers is connected between the terminal and the server as described above, the terminal provides the plurality of merchant coupons to the server through the communication channel to the plurality of customers. In response to the request (4005), the server generates an interface screen including a user interface for inputting (or selecting) merchant coupon registration information including at least one of the merchant information and merchant coupon information in the terminal. (Or extract) 4010, and transmits the generated (or extracted) interface screen to the terminal through the communication channel (4015).

Thereafter, the terminal inputs (or selects) the merchant coupon registration information including at least one of the merchant information and the merchant coupon information through the user interface included in the interface screen for input (or selection) of the merchant coupon registration information. (4020).

If the merchant coupon registration information is input (or selected) at the terminal (4025), the terminal transmits the merchant coupon registration information including at least one of the merchant information and merchant coupon information to the server through the communication channel. In operation 4030, the server associates and processes merchant information and merchant coupon information included in the received merchant coupon registration information and stores the merchant coupon D / B 3940 shown in FIG. 39 (4035). ).

According to an embodiment of the present disclosure, the affiliated store information and the affiliated store coupon information are stored in the affiliated store coupon D / B 3940 by linking and storing the affiliated store coupons registered in the affiliated store according to the affiliated store type. Or it is preferably made to include classified and stored by coupon type.

Thereafter, the server checks at least one coupon application information matched with the registered merchant coupon information in association with the coupon application D / B 3935 shown in FIG. 37 (4040).

If at least one coupon application information matching the merchant coupon information is identified (4045), the server checks at least one customer information associated with the coupon application information in connection with the coupon application D / B (3935) In operation 4050, after checking the chargeable account information corresponding to the customer information and the at least one value type account information in association with the storage medium 3945 illustrated in FIG. 27, the registered merchant coupon information 4055. In operation 4060, the storage medium 3945 stores the identified at least one rechargeable account information and the value-based account information in the storage medium 3945.

According to the present invention, the server stores the merchant coupon information in the storage medium 3945 in association with the chargeable account information and the value type account information, thereby registering the value of the merchant coupon in the value type account ( Or deposited).

41 is a diagram showing the configuration of the value interlocking card 4145 operating system according to the embodiment of the present invention.

In more detail, FIG. 41 illustrates a predetermined process provided in the financial institution at the time of offline (or online) payment using the value linked card 4145 issued through the value linked card 4145 issuing system shown in FIG. 27. The payment processing server 4100 corresponds to the value interlocking card 4145 in connection with the storage medium 4135 storing the operation of the value interlocking card 4145 and the value linked to the value interlocking card 4145. The value associated with the use of the value-linked card 4145 through at least one value-type account connected to the card information corresponding to the value-linked card 4145 and processed through a chargeable account linked to predetermined card information (eg, Voucher, discount coupon, etc.) is applied to the value link card (4145) operating system configuration, if one of ordinary skill in the art to which the present invention belongs, Figure 41 It is possible to infer various implementation methods for the configuration of the value interlocking card 4145 operating system by the combination and / or modification, but the present invention includes all the implementation methods inferred, and is illustrated in FIG. 41. The technical features are not limited only by the method.

Referring to FIG. 41, the offline card payment system through the value interlocking card 4145 is a payment processing server for processing payment approval for an affiliated store terminal 4140 and a value interlocking card 4145 provided at a predetermined offline affiliated store. 4100 and a communication network (eg, a Value Added Network (VAN)) connecting the affiliated store terminal 4140 and the payment processing server 4100.

In FIG. 41, the payment processing server 4100 including at least one payment processing server 4100 on the offline card payment system through the value-linked card 4145 is illustrated as one server. As long as it is only one embodiment for effectively describing the various functional components constituting the payment processing server 4100 may be implemented through at least two or more separate servers (or devices), the present invention is not limited thereto. .

The affiliated store terminal 4140 on the offline card payment system may include at least one or more Point of Sales (POS) terminals having a credit authorization terminal (CAT) and / or a payment function, and at least one or more After reading predetermined card information from the value interlocking card 4145 through a card reader, inputting a payment amount through a predetermined key input device, payment approval including the card information, the payment amount, and the affiliated store information. The request message may be generated and transmitted to the payment processing server 4100 through the communication network (for example, a VAN).

In addition, the payment processing server 4100 on the offline card payment system, characterized in that it comprises at least one or more servers provided in the card company to process the payment approval for the value linked card (4145), After receiving the payment approval request message including the card information, the payment amount, and the merchant information from the merchant terminal 4140, the payment amount included in the payment approval request message is approved through the value interlocking card 4145. It is characterized by processing.

In addition, the communication network connecting the affiliated store terminal 4140 and the payment processing server 4100 in the offline card payment system, at least between the merchant terminal 4140 and the payment processing server 4100 based on at least one backbone network. Characterized in that it comprises at least one Bansa server (not shown) and wired or wireless communication network for relaying one or more payment-related full text.

Those skilled in the art to which the present invention belongs, the technical features of the merchant terminal 4140 and the technical features of the conventional payment processing server 4100 and the merchant terminal 4140 and payment processing server 4100 Since you will be familiar with the technical features of the communication network to connect, a detailed description thereof will be omitted for convenience.

Referring to FIG. 41, the online card payment system through the value interlocking card 4145 may include at least one wired terminal connected to a predetermined wired communication network, and / or at least one wireless terminal connected to a predetermined wireless communication network. At least one payment request server 4150 provided in an online merchant including at least one client terminal 4155 and at least one wired and / or wireless merchant connected to the client terminal 4155 through the communication network; A payment processing server 4100 and / or the client terminal 4155 and / or the client terminal 4155 and / or the payment request server 4150 for processing an online payment approval through the value interlocking card 4145; It comprises at least one communication network connecting the payment request server 4150 and the payment processing server 4100 The communication network may be equipped with an online payment protocol for payment approval processing through the value interlocking card 4145.

In FIG. 41, the payment processing server 4100 including at least one payment processing server 4100 on the online card payment system through the value-linked card 4145 is illustrated as one server. As long as it is only one embodiment for effectively describing the various functional components constituting the payment processing server 4100 may be implemented through at least two or more separate servers (or devices), the present invention is not limited thereto. .

The online card payment system includes at least one payment processing server 4100 that processes payment approval for at least one payment request server 4150 and a client terminal 4155 and the value linked card 4145 connected to a predetermined communication network. Characterized in that it comprises one or more.

Here, the payment request server 4150 on the online card payment system is a server provided in the online affiliate store for the value linked card 4145, and all servers requesting online payment through the value linked card 4145. Is a generic term for.

According to an exemplary embodiment of the present invention, the payment request server 4150 may include at least an internet shopping mall server, a content providing server, a messenger server, a portal server, a mail server, and the like that request online payment through the value interlocking card 4145. It includes at least one or at least one payment gateway (PG) server that connects the payment processing server 4100 or the Internet shopping mall server, content providing server, messenger server, portal server, mail server and the like. It is preferable to make it.

According to another exemplary embodiment of the present invention, the payment request server 4150 preferably includes a predetermined affiliate server (not shown) that issues the value linked card 4145 in association with the card company.

Those skilled in the art to which the present invention pertains can infer various payment request servers 4150 requesting online payment through the value interlocking card 4145 in addition to the payment request server 4150 described above. The present invention is characterized in that it comprises all kinds of inferred payment request server 4150.

In addition, the client terminal 4155 on the online card payment system connects to the payment request server 4150 through a predetermined communication network to purchase tangible / intangible goods, and the corresponding purchase price is linked to the value linked card. A generic term for a terminal device that processes payment through 4145, a wired terminal including at least one or more desktop computers and / or laptops connected to a predetermined wired communication network, or a personal communication system connected to a predetermined wireless communication network. PCS and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants; PDAs) and / or Smart Phones and / or Telematics and / or Wireless Data Communication Terminals and / or Hue And the internet terminal to the wireless terminal, or various kiosk (KIOSK) device and the IA terminal (e.g., IPTV, and so on) that include at least one characterized in that comprises at least one.

Referring to FIG. 41, the payment processing server 4100 may include an affiliated store terminal 4140 provided at the offline affiliated store, or a payment request server 4150 provided at the online affiliated store and a client terminal 4155 used by the customer. An interface unit 4105 for connecting a communication channel for a predetermined payment process, the affiliated store terminal 4140 (or the payment request server 4150 and the client terminal 4155) in association with the interface unit 4105; A professional transmission and reception unit 4110 for transmitting and receiving at least one or more payment-related full text (for example, payment approval request full text, or payment approval response full text), the merchant terminal 4140 (or payment request server 4150 and client terminal 4155) Receiving a predetermined information including the predetermined card information, payment amount and merchant information from the)), the chargeable account account matching the card information included in the message in conjunction with the storage medium (4135) And information verification unit 4125 for identifying at least one value type account information and value application attribute information, and affiliated store coupon information used in the affiliate store corresponding to the affiliate store information included in the full text in association with the storage medium 4135. The value application attribute in connection with a financial system having a coupon confirmation unit 4130 for confirming, and at least one value type account corresponding to the predetermined value type account and the predetermined value type account information corresponding to the charge-type account information Coupon operation unit 4120 (or coupon operation means) to process a portion of the payment amount through the rechargeable account according to the information, and apply the value of at least one or more merchant coupons provided in the value-type account to the remaining portion ) And a payment approval unit 4115 that approves the payment processing for the payment amount according to the value application result of the coupon operation unit 4120. It is characterized by being made.

According to an exemplary embodiment of the present invention, when a predetermined payment approval request message is transmitted from a predetermined affiliated store terminal 4140 provided at the offline affiliated store, the interface unit 4105 connects the communication network to which the affiliated store terminal 4140 is connected. (Eg, a value-added communication network (VAN)) is connected to the merchant terminal 4140 and a communication channel for a predetermined payment processing.

According to another embodiment of the present invention, when the predetermined payment request server 4150 provided in the online affiliated store and the client terminal 4155 used by the customer transmit at least one full payment approval request message according to the online payment protocol. The interface unit 4105 connects the payment request server 4150 and the client terminal 4155 with a communication channel for a predetermined payment settlement process through a communication network in which the online payment protocol is defined.

The specialized transmission / reception unit 4110 receives at least one full payment approval request message from the affiliated store terminal 4140 (or the payment request server 4150 and the client terminal 4155) in association with the interface unit 4105. Characterized in that, when the payment approval processing corresponding to the payment approval request full text in the payment approval unit 4115, the predetermined payment approval response professional including the payment processing details in connection with the interface unit 4105 said It is characterized in that the transmission to the merchant terminal 4140 (or payment request server 4150 and client terminal 4155).

When receiving a payment approval request message including predetermined card information, payment amount, and merchant information from the affiliated store terminal 4140 (or the payment request server 4150 and the client terminal 4155), the information checker 4125 The chargeable account information matching the card information included in the full payment approval request message, at least one value type account information and value application attribute information may be checked in connection with the storage medium 4135.

The coupon checking unit 4130 is a merchant included in the payment approval request, among merchants registered through the merchant coupon registration system shown in FIG. 32 or 34 or 39 in connection with the storage medium 4135. Identifying at least one merchant coupon information available at the merchant corresponding to the information.

When the rechargeable account information, the at least one value type account information, and the value application attribute information are confirmed by the information confirming unit 4125, the coupon operation unit 4120 may determine a predetermined charge corresponding to the rechargeable account information. In connection with a financial system having a type account and at least one value type account corresponding to the value type account information, a portion of the payment amount is settled through the rechargeable type account according to the identified value application attribute information. To the remaining part, the value of at least one merchant coupon provided in the value-type account is applied.

According to an exemplary embodiment of the present invention, the coupon operating unit 4120 may determine whether the coupon operation unit 4120 is selected from among the settlement amount according to a predetermined value application attribute among the pre-subtraction payment processing attribute corresponding to the value application attribute information or the pre-subscription processing subtraction attribute. It is preferable to process a part of the payment through the rechargeable account, and apply the value of at least one or more merchant coupons provided in the value account to the other part.

Thereafter, the payment approval unit 4115 approves the payment processing for the payment amount according to the result of applying the value of the coupon operation unit 4120, and the specialized transmission / reception unit 4110 is the interface unit ( In connection with 4105, a predetermined payment approval response message including the payment processing details is transmitted to the affiliated store terminal 4140 (or the payment request server 4150 and the client terminal 4155).

42 is a diagram showing the operation of the value interlocking card 4145 according to the embodiment of the present invention.

In more detail, FIG. 42 is shown in FIG. 41 when an offline (or online) payment is made using the value link card 4145 issued through the value link card 4145 issuing system shown in FIG. The payment associated with the value linked card 4145 is used in connection with a storage medium 4135 storing the value linked card 4145 operation information in the payment processing server 4100 on the value linked card 4145 operating system. Through the chargeable account associated with the predetermined card information corresponding to the value linked card 4145, and through the at least one value type linked with the card information corresponding to the value linked card 4145, the value linked card ( 4145) The process of applying a value (eg, a voucher, a discount coupon, etc.) according to use, and a person skilled in the art to which the present invention belongs, refer to this drawing 42 And / or may be modified to infer various implementation methods for the operation of the value-linked card 4145, but the present invention includes all the implementation methods inferred by the implementation method illustrated in FIG. The technical features are not limited.

Hereinafter, in FIG. 42, the merchant terminal 4140 provided at the offline affiliated store, or the payment request server 4150 provided at the online affiliated store and the customer on the value link card 4145 operating system shown in FIG. 41. The client terminal 4155 to be used is collectively referred to as a "terminal" for convenience.

Referring to FIG. 42, the terminal performs the payment processing server through a predetermined communication network for payment processing using the value linked card 4145 issued through the value linked card 4145 issuing system shown in FIG. 27. A value linking card issued through a value linking card 4145 issuing system shown in FIG. 27 to the payment processing server 4100 through a communication channel 4100 and a communication channel for payment settlement processing. The payment approval request message including the card information and the predetermined payment amount information corresponding to 4145 is transmitted (4200), and in response thereto, the payment processing server 4100 transmits the card information and the predetermined payment amount information from the terminal. Receive a payment approval request full text including a (4205), and in conjunction with the storage medium (4135) at least predetermined charge-type account information associated with the card information included in the payment approval request full text; One or more value-type account information and value application attribute information, and merchant coupons registered through the merchant coupon registration system shown in FIG. 32 or 34 or 39, corresponding to merchant information included in the full payment approval request. At least one affiliate store coupon information available at the affiliate store is checked (4210).

If the predetermined rechargeable account information associated with the card information, at least one or more value type account information and value application attribute information, and at least one or more merchant coupon information available at the affiliate store are not identified (4215), the payment processing is performed. The server 4100 generates and transmits a payment approval response message including predetermined payment error information to the terminal (4220).

On the other hand, if predetermined rechargeable account information associated with the card information, at least one or more value type account information, and value application attribute information are identified 4415, the payment processing server 4100 may correspond to the rechargeable account information. A portion of the payment amount is settled through the rechargeable account according to the identified value application attribute information in connection with a financial system having a predetermined rechargeable account and at least one value account corresponding to the value account information. Process and apply the remaining value of at least one merchant coupon included in the value account to the remaining portion (4225).

According to an exemplary embodiment of the present invention, the payment processing server 4100 may include a payment processing attribute corresponding to the value application attribute information. It is preferable to process a part of the payment through the rechargeable account, and apply the value of at least one or more merchant coupons provided in the value account to the other part.

Thereafter, the payment processing server 4100 processes payment approval for the payment amount according to the value application result, generates a predetermined payment processing detail including the payment approval processing result (4230), and then the payment. A predetermined payment approval request message including a processing history is generated and transmitted to the terminal (4235).

According to the present invention, in addition to the application of the voucher-based value to the voucher target customer operated based on various funds operated by the national flag organization (or local government) to various discount coupons issued by various affiliated stores (or discount coupon issuing agencies). There is an advantage in providing a double discount by applying the corresponding value.

Claims (5)

Coupon information receiving means for providing a coupon registration screen (or window) to a plurality of merchant client terminals and receiving coupon information provided by the plurality of merchant client terminals through the coupon registration screen (or window); Coupon information storage means for classifying the received coupon information by coupon registration merchant type or coupon type, and then stored in a predetermined storage medium; When the customer terminal access, provides the coupon information for each merchant type or coupon type stored and registered in the storage medium to the customer terminal, and when the customer selects any one or more of the provided plurality of coupon information, the coupon of the customer Coupon information providing means for receiving selection information; And And coupon information registration means for processing the at least one coupon information selected by the customer in association with the customer owned account information and storing and registering the coupon information in a predetermined storage medium. Coupon information receiving means for receiving coupon information to be provided to customers from a plurality of merchant client terminals; Provide a coupon selection target customer (or group of customers) selection screen (or window) to the plurality of affiliate client terminals, and provide at least one coupon to be provided by the plurality of affiliate client terminals through the selection screen (or window) Coupon providing customer (or customer group) selection information receiving means for receiving customer (or customer group) selection information; And Based on the received coupon providing customer (or group of customers) selection information, the coupon information provided by the plurality of merchants in association with the selected customer (or group of customers) owned account information to store and register in a predetermined storage medium Coupon information registration means; account linked coupon registration system comprising a. Coupon application information receiving means for receiving predetermined coupon application information from the customer terminal; Coupon information receiving means for receiving the coupon information through an affiliate store providing the coupon based on the received coupon application information; And And coupon information registration means for storing and registering the received coupon information in association with the customer-owned account information in a predetermined storage medium. The method according to any one of claims 1 to 3, When the customer makes a predetermined payment process using the card connected to the account, the account information associated with the customer card is checked, and the coupon information registered in the storage medium is processed in association with the confirmed account information. If the confirmed coupon is a coupon available in the payment processing target merchant, account linked coupon registration system further comprises a coupon operating means for applying the coupon to the payment processing. Receiving or confirming coupon information to be provided to customers at the server; And And storing and registering the received or confirmed coupon information in association with the customer-owned account information in a predetermined storage medium.
KR1020070054323A 2007-06-04 2007-06-04 System and method for registering cuppon with account KR20090002049A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101298634B1 (en) * 2012-12-18 2013-08-20 유광선 System for providing electronic discount coupon utilizing social network platform sever and the method thereof

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101298634B1 (en) * 2012-12-18 2013-08-20 유광선 System for providing electronic discount coupon utilizing social network platform sever and the method thereof

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