KR20090007538A - System for payment(or transfer) transaction by using payment virtual account - Google Patents

Abstract

A system for processing withdrawal with a virtual payment account is provided to enable a voucher receiver opening a virtual voucher-only payment account to withdraw an amount through a CD(Cash Dispenser) or an ATM(Automatic Teller Machine) by using a voucher card linked with the virtual voucher-only payment card. An information storing unit(725) links/stores virtual payment account information, mother card information of a virtual payment account, and customer card information linked with the virtual payment account to a storage medium(730). An interface unit(705) reads the customer card information, and transmits the customer card information and withdrawal request information. A validity checker(720) checks whether the virtual payment account information linked with the customer card information and the mother account information of the virtual payment account by linking with the storage medium, and processes withdrawal corresponding to the withdrawal request through the mother account of the virtual payment account.

Description

System for Payment (or Transfer) Transaction by Using Payment Virtual Account}

1 is a diagram illustrating a voucher virtual account opening system for opening a voucher-only payment virtual account in a face-to-face manner according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger according to the establishment of a face-to-face voucher-only payment virtual account according to an embodiment of the present invention.

3 is a view illustrating a process of opening a voucher virtual account for opening a voucher-only payment virtual account according to an embodiment of the present invention.

4 is a diagram illustrating a voucher virtual account opening system for opening a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

5 is a view showing the configuration of a virtual account ledger according to a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

6 is a view illustrating a process of opening a voucher virtual account for opening a non-face-to-face voucher-only payment virtual account according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a face-to-face information registration system for financial transactions using a voucher virtual account according to an embodiment of the present invention.

8 is a view showing the configuration of the voucher virtual account interworking information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for financial transactions using the voucher virtual account according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for financial transactions using a voucher virtual account according to another embodiment of the present invention. Drawing.

FIG. 10 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of registering voucher virtual account interworking information in a face-to-face manner according to an embodiment of the present invention.

12 illustrates a non-face-to-face information registration system for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for financial transactions using a voucher virtual account according to an embodiment of the present invention.

14 is a diagram illustrating the configuration of the voucher virtual account interworking information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for financial transactions using the voucher virtual account according to another embodiment of the present invention One drawing.

FIG. 15 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of registering voucher virtual account interworking information in a non-face-to-face manner for financial transactions using a voucher virtual account according to one embodiment of the present invention.

17A and 17B illustrate a process of registering voucher virtual account interworking information in a non-face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

18 is a diagram showing the configuration of a financial terminal operating system for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

19 is a diagram illustrating a functional configuration of the financial terminal 1800 for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

20 is a diagram illustrating a process of offline withdrawal of an amount deposited in a voucher virtual account through a financial terminal according to an embodiment of the present invention.

21 is a diagram illustrating a conventional financial transaction procedure using financial means matched with a voucher card according to an embodiment of the present invention.

<Description of main parts of drawing>

1800 Financial Terminal 1905 Control Unit

1910: card reader 1915: screen output unit

1920: key input unit 1925: power supply unit

1930: communication unit 1935: terminal function unit

1940: Cash Payment 1945: Cash Storage

1950: cash release unit 1955: memory unit

1960: mode verification unit 1965: validation unit

1970: Information reader 1975: Professional generator

1980: professional processing unit 1985: information input unit

The present invention relates to the process of linking the virtual account-information of the customer payment virtual account-payment amount operator (or payment amount operation related person) as the parent account, the mother account information of the payment virtual account, and the customer card information linked to the payment virtual account. And a storage medium for storing and storing the customer card information, and transmitting the read customer card information and a predetermined amount of money withdrawal (or transfer) transaction request information and the storage medium (or storage medium operating means). Check the payment virtual account information and the mother account information of the payment virtual account associated with the customer card information sent by the automated teller machine, and then withdraw the transaction (or transfer) through the identified mother account of the payment virtual account. Withdrawal using a payment virtual account that includes financial transaction processing means for conducting a withdrawal (or transfer) transaction corresponding to the request A gold (or transfer) transaction processing system.

The dictionary meaning of the voucher scheme means that the recipient will be given a ticket paid in advance and the recipient will be allowed to enter the place specified in the table free of charge, receive the specified product free of charge, or receive a discount at the stated discount rate. It means a ticket which can be used, and in the case of domestic, it means a free or discount system for the poor (or the person subject to welfare).

In Korea, the voucher system pays a predetermined welfare fund to each person who is eligible for welfare or the poor (for example, a deposit into the real account of the person or the poor), or free of social welfare and living facilities ( Or at a discount).

On the other hand, there is a discussion to extend the voucher system to general beneficiaries (eg, poor credit, low-income, homeless, etc.).

However, since the main targets of the voucher system are those who live alone, grandchildren, and young children living in Korea, the system does not have a big problem even if the system operation method is limited to the above cash payment or the use of social welfare facilities and living facilities. However, if the voucher system is extended to a general beneficiary, or if there is a debt to a conventional beneficiary (or poor), the cash to be paid for the survival of the beneficiary is automatically transferred to the beneficiary's creditor. This will occur.

An object of the present invention for solving the above problems, the virtual account-information of the customer payment virtual account-payment amount operator (or payment amount operation related person) account, the parent account information of the payment virtual account and the payment virtual account A storage medium for linking and storing the customer card information associated with the storage card; and a financial automatic device for transmitting the customer card information and the predetermined amount of money withdrawal (or transfer) transaction request information after reading the customer card information; After confirming the payment virtual account information and the mother account information of the payment virtual account linked to the customer card information transmitted by the automatic teller machine in connection with the storage medium (or storage medium operating means), the mother account of the confirmed payment virtual account Financial transaction processing means for performing a withdrawal (or transfer) transaction corresponding to the withdrawal (or transfer) transaction request through It is to provide a withdrawal (or transfer) transaction processing system using a payment virtual account, including.

The withdrawal (or transfer) transaction processing system using the payment virtual account according to the present invention, a virtual account-information of the virtual account-information of the customer's payment virtual account-payment amount operator (or payment amount operation related person) as the parent account and the payment virtual account. A storage medium for linking and storing mother account information and customer card information associated with the payment virtual account, and reading the customer card information, and reading the read customer card information and a predetermined amount (or transfer) transaction request information. After confirming the payment virtual account information and the mother account information of the payment virtual account associated with the customer card information sent by the automated teller machine in connection with the automated teller machine and the storage medium (or storage medium operating means) for transmitting the; Withdraw the money (or transfer) transactions corresponding to the withdrawal (or transfer) transaction request through the confirmed payment virtual account's parent account Performing is characterized in that comprises a financial transaction processing means.

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

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

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

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

Hereinafter, in order to explain the advanced technical features of the present invention efficiently

The virtual account is a “voucher virtual account” opened in the name of a given voucher, and the mother account associated with the virtual account is opened in the name of a welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government). Fund Management Account ”will be described with reference to an embodiment, but the virtual account of the present invention is limited to the voucher virtual account, and the parent account is not limited to the welfare fund management account.

1 is a diagram illustrating a voucher virtual account opening system for opening a voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, Figure 1 shows that a predetermined welfare fund management institution requests a voucher virtual account to open a voucher-only payment virtual account through a face-to-face virtual account opening interface, and the predetermined voucher virtual account opening system according to the present invention. A system for opening a voucher virtual account with a welfare fund management account opened in the name of a welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government) as a parent account. Visit the window of the financial institution that opens the voucher virtual account, fill out a predetermined virtual account opening application form, and submit it to the cashier, and the cashier corresponds to the predetermined virtual account opening application through a predetermined teller terminal. If you provide the account opening application information, open a voucher virtual account according to the present invention In the implementation of the system will open a way to account for the virtual vouchers vouchers only pay a virtual account opening application to establish a virtual account information to the voucher subjects.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer various implementation methods for constructing a voucher virtual account opening system for opening a voucher-only payment virtual account. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, based on the virtual account opening application information provided from the welfare fund operation institution through a predetermined virtual account opening interface on the voucher virtual account opening system shown in FIG. 1, the voucher subject name corresponding to the voucher virtual account opening target The components corresponding to at least one or more means and / or functional configurations of opening a predetermined voucher virtual account of are referred to as " voucher virtual account opening server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher-only payment virtual account includes a teller terminal used by a teller provided with at least one financial institution. The window terminal is connected to a voucher virtual account opening server 100 provided on the voucher virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the welfare fund management institution visits the financial institution to open the voucher-only payment virtual account and pays the voucher exclusively through a window (or through a cashier) provided at the financial institution. Prepare a virtual account opening application (e.g., a document with a form for filling in at least one information item for opening a voucher-only payment virtual account) for opening a virtual account (or the counter staff operates the welfare fund) Visit the institution and ask the welfare fund management institution to fill out a predetermined virtual account opening application for opening the voucher-only payment virtual account), and submit the completed virtual account opening application to the cashier. Enter the information filled in the virtual account opening application through the teller terminal ( It is selected), and the service area terminal preferably transmits the information of the input (or selected) on the voucher virtual account opening server 100 provided on the voucher virtual account opening system through the financial network.

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the voucher virtual account opening server 100 connected to the teller terminal is on the financial system that the voucher virtual account is opened. It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the voucher virtual account opening server 100 is connected to the communication channel between the teller terminal and the voucher virtual account opening server 100 It is preferable to comprise a network.

In the voucher virtual account opening system as described above, a virtual account opening application prepared by the welfare fund operation institution, a window terminal used by the teller and the window terminal and the voucher virtual account opening server (100) The network performs a function of a virtual account opening interface for the welfare fund operating organization to register virtual account opening application information for opening the voucher-only payment virtual account.

A financial institution that opens a voucher virtual account for opening the voucher-only payment virtual account to a predetermined voucher subject at the request of the welfare fund management institution may receive at least one financial transaction (eg, credit, receiving) from at least one financial transaction customer. , Foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, and the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable to achieve.

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) And a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service is provided to the voucher through opening and operating the voucher virtual account. It is desirable to include a financial transaction service for opening a virtual account.

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 to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service may be performed by opening and operating the voucher virtual account. It is preferable to include a financial transaction service for opening a voucher-only payment virtual account.

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) 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). The financial transaction service is a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is made no, including preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, 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 service, and the financial transaction service is preferably made by including a financial transaction service for opening the voucher-only payment virtual account through the opening and operation of the voucher virtual account. .

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smartphone, etc., wherein the financial transaction service is for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to include financial transaction services.

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 a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to achieve.

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 a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is used to open a voucher-only payment virtual account by opening and operating the voucher virtual account. It is desirable to include a transaction service.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (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, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform providing inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person 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. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

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

The voucher virtual account opening server 100 provided on the voucher virtual account opening system according to the present invention is a generic term for the voucher virtual account opening system side component connected to the window terminal through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

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

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

Referring to FIG. 1, the voucher virtual account opening server 100 is linked with the interface unit 105 when a predetermined terminal is connected to the voucher virtual account opening server 100 through the interface unit 105. And an interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the window terminal to provide the window terminal to the window terminal, and the interface unit. An information receiving unit 115 which receives predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with 105 and based on the received virtual account opening request information; An information generator 120 for generating predetermined virtual account ledger information corresponding to the voucher virtual account to be opened to the customer; And an information storage unit 125 in the ledger D / B for storing the virtual account ledger information generated in association with the account ledger of the financial account corresponding to the welfare fund operating account linked to the voucher virtual account. It is done.

The interface providing unit 110, when a predetermined window terminal is connected to the voucher virtual account opening server 100 through the interface unit 105, the virtual account opening application corresponding to the functional configuration provided in the window terminal Generate a predetermined user interface that can input (or select) information and transmit it to the voucher virtual account opening server 100 via the financial network, and / or extract from a predetermined database (not shown), and the interface And the user interface generated (or extracted) in conjunction with the unit 105 to the counter terminal through the financial network.

Thereafter, the teller terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the (or selected) virtual account opening application information through the financial network to the voucher virtual account opening server. Send to 100.

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

When the information receiving unit 115 inputs (or selects) predetermined application information for opening a virtual account through the user interface at the window terminal and transmits it through the financial network, the information receiving unit 115 interworks with the interface unit 105 to provide the virtual account. Characterized in that to receive the establishment request information, and provides the received virtual account establishment application information to the information generating unit 120.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique The call), or the card number, etc.) included in the voucher card preferably comprises.

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited), and the account number and account holder information of the welfare fund management account already established in the ledger D / B on the financial system. It is preferable to include one or more.

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

In this case, the validity of the virtual account opening is specifically confirmed that a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include one or more.

The information generating unit 120 generates predetermined virtual account ledger information to be provided in the voucher virtual account opened under the name of the voucher subject based on the virtual account opening application information received through the information receiving unit 115. The virtual account ledger information is to be included in the parent account information associated with the virtual account, and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is subject to And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment process through the payment amount voucher), detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generation unit 120, the information storage unit 125 operates the welfare fund provided in the ledger D / B provided on the financial system. And generating a predetermined virtual account ledger associated with an account ledger corresponding to an account, and storing the generated virtual account ledger information in the virtual account ledger.

2 is a diagram illustrating the configuration of a virtual account ledger according to the establishment of a face-to-face voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, Figure 2 is an account corresponding to the welfare fund management account provided in the ledger D / B 200 on the financial system for opening the voucher-only payment virtual account in the voucher virtual account opening system shown in Figure 1 The virtual account ledger to be processed in connection with the ledger, and if you have a general knowledge in the technical field to which the present invention belongs, a virtual account ledger for opening a voucher-only payment virtual account by referring to and / or modified in the Figure 2 Various implementation methods for the configuration may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, a virtual account ledger corresponding to a voucher virtual account opened in the name of the voucher subject to open the voucher-only payment virtual account is processed in association with an account ledger corresponding to the welfare fund operation account. The account ledger corresponding to the welfare fund management account is provided in the ledger D / B 200 of the award, and the predetermined account corresponding to the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government). It is characterized in that it is processed in connection with the customer ledger.

In FIG. 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area 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 It is preferable to make.

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

In addition, in this figure 2, the account ledger corresponding to the welfare fund management account is linked to the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI Volume 1, RBI Balance 2, Bank Balance, Bank Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Last Deposit, Last Withdrawal, Unpaid Transactions, Interest Rate Account, It includes account ledger information that includes at least one of the following: linkage, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic receipt information including at least one or more periods (days), period 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 of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of a voucher payment, transfer of funds, or the like) to be included in the account ledger provided in the ledger D / B 200 provided on the system It is preferable to include at least one ledger information) that should be provided to process the payment processing through the payment amount of the voucher).

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information such as the number of unpaid account transactions, interest rate accounting, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation, wherein the virtual account deposit is The amount corresponding to the voucher virtual account balance, the actual balance of the voucher virtual account is deposited in the welfare fund management account. It is desirable.

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

3 is a view illustrating a process of opening a voucher virtual account for opening a voucher-only payment virtual account according to an embodiment of the present invention.

In more detail, in FIG. 3, in the voucher virtual account opening system shown in FIG. 1, a predetermined customer opens the voucher virtual account through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a financial network). When the voucher virtual account opening application information is transmitted to the server 100, the voucher virtual account opening server 100 opens a predetermined voucher virtual account based on the virtual account opening application information. As to a process of opening, various ones of ordinary skill in the art to which the present invention pertains, various methods of opening the voucher virtual account for the purpose of opening a voucher-only payment virtual account by referring to and / or modifying the figure 3 It can be inferred, but the present invention includes all the inferred implementation method, the implementation method shown in Figure 3 It is not limited to this.

Hereinafter, in FIG. 3, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the voucher virtual account opening server 100 will be referred to as "server" for convenience.

Referring to Figure 3, the welfare fund operating institution that wants to open a voucher virtual account to the voucher subject to open the voucher-only payment virtual account, if you create a predetermined virtual account opening application, and submits the created virtual account opening application The terminal provides the virtual account opening application information included in the virtual account opening application to the server through the virtual account opening interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique The call), or the card number, etc.) included in the voucher card preferably comprises.

In addition, the welfare fund management account information associated with the virtual account is provided to a real account (or at least one voucher from the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder for the welfare fund management account already established in the ledger D / B 200 on the financial system as the information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is to be deposited. It is preferable to include at least one or more information.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, and verifies the validity of whether the voucher virtual account can be opened to the voucher subject. (305).

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to include one or more specifically.

If the validity to open the voucher virtual account to the customer is not authenticated through the virtual account opening application information (310), the server informs the customer of the voucher virtual account opening error information through the virtual account opening interface. Provide (315) and stop opening the voucher virtual account to the customer.

On the other hand, if the validity to open the voucher virtual account to the customer is authenticated through the virtual account opening application information (310), the server is based on the virtual account opening application information to the voucher virtual account to open to the voucher subject In operation 320, virtual account ledger information of the corresponding voucher subject name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is the person And at least one ledger information to be provided to process the requesting at least one financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment process through the payment amount voucher), detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject among at least one account ledger provided on the ledger D / B 200 on the financial system. (325).

If the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject is confirmed (330), the server is provided on the welfare D / B 200 on the financial system Create a virtual account ledger of the name of the voucher subject to be processed in association with the account ledger corresponding to the fund management account (335), the ledger D / B (200) on the financial system and the account ledger corresponding to the welfare fund management account; The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (340).

Voucher-specific information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) in the voucher target information included in the virtual account opening application information according to an embodiment of the present invention. Is included, the financial institution in which the voucher virtual account is opened after the voucher virtual account linked to the welfare fund management account is opened as described above, and the voucher subject information (for example, voucher payment target name, social security number, address, telephone). A voucher subject corresponding to a voucher subject personal information including at least one of a number, a mobile phone number, and an e-mail address, etc., by visiting the financial institution window through the voucher certificate and / or the voucher card (or operated by the financial institution). Cash Dispenser (CAD) / Automatic Teller Machine (ATM) or at least one non-face to face finance Below through the channel), it is preferable to request a voucher password register for processing the at least one financial transaction.

Alternatively, when the voucher target information included in the virtual account opening application information includes the voucher unique information (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher card), The welfare fund management institution visits the financial institution window through the voucher certificate and / or voucher card to the voucher subject after the voucher virtual account linked to the welfare fund management account is opened as described above (or at the financial institution). It is desirable to request a voucher password registration for processing at least one or more financial transactions (through an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels).

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject information included in the virtual account opening application information. The financial information without a separate voucher certificate (or voucher card) to the voucher subject (for example, the voucher subject personal information including at least one or more of the voucher payment subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) A voucher unique code (or unique number) and voucher for processing at least one financial transaction by visiting an institution's counter (or via a CD / ATM operated by the financial institution or through at least one or more non-face-to-face financial transaction channels) It is desirable to request a password registration.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management institution visits the financial institution's counter (or the voucher card) without a separate voucher certificate (or voucher card). It is desirable to request a voucher unique code (or unique number) and voucher password registration for processing at least one financial transaction through a CD / ATM operated by a financial institution or through at least one non-face-to-face financial transaction channel. .

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. At least one card (e.g., credit card) owned by the voucher through information (e.g., voucher subject personal information including at least one or more of a voucher subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) , Check card, debit card, cash card, prepaid card, etc.) to visit the financial institution's counter (or via CD / ATM operated by the financial institution, or through at least one non-face-to-face financial transaction channel). It is preferable to request card information registration for processing at least one or more financial transactions.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, At least one card (eg, credit card, check card, debit card, cash card, prepaid card, etc.) owned by the voucher through a voucher subject personal information including at least one of a telephone number, a mobile phone number, and an e-mail address. Visit the financial institution's counter (or via CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to register card information for processing at least one financial transaction. It is desirable to request.

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. Visiting the financial institution's window (or operating by the financial institution) through information (for example, a personal voucher subject information including at least one or more of a voucher payment target name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is desirable to request issuance of a predetermined voucher card for processing at least one or more financial transactions (via CD / ATM or through at least one or more non-face to face financial channels).

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, Visit the financial institution's counter (or personal information including at least one of a telephone number, a mobile phone number, an e-mail address, etc.) (or via a CD / ATM operated by the financial institution, or at least one non-face-to-face finance) It is desirable to request issuance of a predetermined voucher card for processing at least one financial transaction (through a trading channel).

4 is a diagram illustrating a voucher virtual account opening system for opening a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, FIG. 4 shows that a given welfare fund management institution requests the opening of a voucher virtual account for opening a voucher-only payment virtual account through a virtual account opening interface including at least one or more non-face-to-face financial transaction channels. In the voucher virtual account opening system according to the system configuration for opening a voucher virtual account with a welfare fund operating account opened in the name of a predetermined welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), Specifically, when the welfare fund management institution provides the predetermined virtual account opening application information using the virtual account opening interface according to the present invention through a predetermined welfare fund operating institution terminal corresponding to the non-face-to-face financial transaction channel, Application for opening the virtual account in the voucher virtual account opening system according to The present invention relates to a method of opening a voucher virtual account for opening the voucher-only payment virtual account under the voucher subject name.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the construction of a voucher virtual account opening system for opening a voucher-only payment virtual account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, based on the virtual account opening application information provided from the welfare fund operation institution through a predetermined virtual account opening interface on the voucher virtual account opening system shown in FIG. 4, the voucher subject who corresponds to the voucher virtual account opening target. Components corresponding to at least one or more means and / or functional configurations of opening a given voucher virtual account are referred to as " voucher virtual account opening server 100 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a voucher virtual account opening system for opening a voucher-only payment virtual account may be provided when the voucher virtual account opening system supports a non-face-to-face voucher virtual account opening. The welfare fund management organization comprises a welfare fund operating institution terminal for inputting (or selecting) predetermined virtual account opening application information and transmitting to the voucher virtual account opening server 100, wherein the welfare fund The operating institution terminal connects the communication channel with the voucher virtual account opening server 100 provided on the voucher virtual account opening system through a predetermined network means.

According to an exemplary embodiment of the present invention, when the voucher virtual account opening system supports a non-face-to-face voucher virtual account opening, the welfare fund operation organization may be a wired terminal connected to a predetermined wired network and / or a predetermined wireless communication network. The voucher virtual account opening server 100 is connected to the voucher virtual account opening server 100 through at least one client terminal of a wireless terminal connected to the voucher, and the voucher dedicated payment virtual account is provided through at least one user interface provided by the voucher virtual account opening server 100. When inputting (or selecting) virtual account opening application information for opening, it is preferable that the client terminal transmits the voucher virtual account opening server 100 provided on the voucher virtual account opening system through a predetermined network means. .

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop 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.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile 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 It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the voucher virtual account opening server 100, and inputs and / or selects at least one or more information through the user interface to open the voucher virtual account opening 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 voucher virtual account opening server 100, etc.) for transmission to the 100 is preferably provided.

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

In the voucher virtual account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the welfare fund operation institution, and the client terminal and the voucher virtual account opening server 100 is connected. The at least one wired network and / or the wireless network performs a function of a virtual account opening interface for the welfare fund operation organization to register virtual account opening application information for opening the voucher-only payment virtual account.

According to another exemplary embodiment of the present invention, when the voucher virtual account opening system supports the establishment of a non-face-to-face voucher virtual account, the welfare fund operation institution terminal may be provided with a predetermined financial network (eg, financial). A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a common network, and / or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), a Voice over IP (VoIP) network, and / or a wireless telephone network such as a mobile communication network or a wireless VoIP network. A terminal (and / or) is provided further comprising a predetermined communication terminal (not shown) connected to, and / or provided in at least one or more institutions affiliated with the financial institution. May further include a server) (not shown), whereby the present invention is not limited thereto.

In the case of supporting a non-face-to-face voucher virtual account opening as described above, when the welfare fund operating institution terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the voucher virtual account opening server 100 has a function of a virtual account opening interface for the welfare fund operation institution to register virtual account opening application information for opening the voucher-only payment virtual account. And / or when the welfare fund management institution terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the voucher virtual account opening server 100. For wired telephone network and / or wireless telephone network, the welfare fund operation organization requests to open a virtual account for opening a voucher-only payment virtual account. In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which functions as a virtual account opening interface for registering a report, and / or the welfare fund operation institution terminal, (And / or server) (not shown) and the terminal (and / or server) (not shown) and the voucher virtual account opening server 100 is connected to the voucher dedicated payment virtual account by the welfare fund management organization It performs the function of the virtual account opening interface for registering virtual account opening application information for opening.

A financial institution that opens a voucher virtual account for opening the voucher-only payment virtual account to a predetermined voucher subject at the request of the welfare fund management institution may receive at least one financial transaction (eg, credit, receiving) from at least one financial transaction customer. , Foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, and the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable to achieve.

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) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is dedicated to the voucher through opening and operating the voucher virtual account. It is desirable to include a financial transaction service for opening a payment virtual account.

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 to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service may be performed by opening and operating the voucher virtual account. It is preferable to include a financial transaction service for opening a voucher-only payment virtual account.

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 or more wireless terminals (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (Global) 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). The financial transaction service is a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is preferable that it is comprised including a switch.

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 service, and the financial transaction service is preferably made by including a financial transaction service for opening the voucher-only payment virtual account through the opening and operation of the voucher virtual account. .

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smartphone, etc., wherein the financial transaction service is for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to include financial transaction services.

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 a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening the voucher-only payment virtual account through opening and operating the voucher virtual account. It is desirable to achieve.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is for opening the voucher-only payment virtual account through the opening and operation of the voucher virtual account. It is desirable to include financial transaction services.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (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, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person 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. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 200 on a financial system that stores at least one ledger, wherein the ledger D / B 200 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and corresponding and / or supplementing each ledger information (e.g. At least one ledger additional information is stored in a relational manner. .

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 200 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

The voucher virtual account opening server 100 provided on the voucher virtual account opening system according to the present invention is a generic term for the component of the voucher virtual account opening system side connected to the welfare fund operating institution terminal through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to an embodiment of the present invention, the voucher virtual account opening server 100 is provided with an interface unit 105 that provides a predetermined virtual account opening interface to the welfare fund operating institution terminal through the network means. Do it.

According to an embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 may be configured as described above. At least one piece of information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided 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, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined voucher virtual account opening program provided by the voucher virtual account opening server 100 is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is based on a protocol stack defined in the wireless network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 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. .

Alternatively, when the voucher virtual account opening program provided by the voucher virtual account opening server 100 is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 4, the voucher virtual account opening server 100 connects the voucher virtual account opening server 100 to the voucher virtual account opening server 100 through the interface unit 105. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the welfare fund operation institution terminal to provide the welfare fund operation institution terminal to the welfare fund operation institution terminal. The information receiving unit 115 which receives the predetermined virtual account opening application information transmitted from the welfare 110 operating institution terminal through the user interface in connection with the study 110 and the interface unit 105. And a predetermined virtual account member corresponding to the voucher virtual account to be opened to the customer based on the received virtual account opening application information. The information generating unit 120 for generating information and the ledger D / B (200) on the financial system generated in association with the account ledger of the financial account corresponding to the welfare fund management account associated with the voucher virtual account And an information storage unit 125 for storing the virtual account ledger information.

The interface providing unit 110 corresponds to a functional configuration provided in the welfare fund operating institution terminal when a predetermined welfare fund operating institution terminal is connected to the voucher virtual account opening server 100 through the interface unit 105. Input (or select) the virtual account opening application information to generate a predetermined user interface which can be transmitted to the voucher virtual account opening server 100 through the network means, and / or a predetermined database (not shown). And the user interface generated (or extracted) in connection with the interface unit 105 to the welfare fund operation institution terminal through the network means.

Thereafter, the welfare fund operation institution terminal inputs (or selects) the virtual account opening application information based on the user interface, and the virtual account opening application information is input (or selected) through the network means. Transfer to the account opening server 100.

According to an embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 110 may include Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 105. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the welfare fund operation institution terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 includes a browser program provided in the client terminal and It is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined virtual account opening application information through the user interface in the welfare fund operation institution terminal and transmits the information through the network means, interworking with the interface unit 105. The virtual account establishment request information is received, and the received virtual account establishment application information is provided to the information generation unit 120.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique The call), or the card number, etc.) included in the voucher card preferably comprises.

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder information for the welfare fund management account already established in the ledger D / B 200 on the financial system as information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited). It is preferable to include at least one or more.

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

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to include one or more specifically.

The information generating unit 120 generates predetermined virtual account ledger information to be provided in the voucher virtual account opened under the name of the voucher subject based on the virtual account opening application information received through the information receiving unit 115. Characterized in that, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is Preferably at least one ledger information required to be processed by the voucher subject to at least one or more financial transactions requested by the voucher (e.g. withdrawal of voucher payments, transfers, or payments through voucher payments). Do.

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment process through the payment amount voucher), detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the voucher virtual account is generated by the information generating unit 120, the information storage unit 125 is provided in the ledger D / B 200 provided on the financial system. And generating a predetermined virtual account ledger associated with the account ledger corresponding to the welfare fund operation account and storing the generated virtual account ledger information in the virtual account ledger.

5 is a diagram illustrating the configuration of a virtual account ledger according to a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates an account corresponding to a welfare fund management account provided in the ledger D / B 200 on the financial system for opening the voucher-only payment virtual account in the voucher virtual account opening system shown in FIG. 4. As for the virtual account ledger configuration to be processed in connection with the ledger, those of ordinary skill in the art to which the present invention belongs, the virtual account ledger for opening a voucher-only payment virtual account by referring to and / or modified in this figure 5 Various implementation methods may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, a virtual account ledger corresponding to a voucher virtual account opened in the name of the voucher subject to open the voucher-only payment virtual account is processed in association with an account ledger corresponding to the welfare fund operation account. The account ledger corresponding to the welfare fund management account is provided in the ledger D / B 200 of the award, and the predetermined account corresponding to the welfare fund management institution (eg, the Ministry of Health and Welfare and / or each local government). It is characterized in that it is processed in connection with the customer ledger.

According to the method of the present invention, the customer ledger in FIG. 5 corresponds to the welfare fund operation institution (eg, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area 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 telephone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage limit, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 5, the account ledger corresponding to the welfare fund management account is linked with the customer ledger in relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI Volume 1, RBI Balance 2, Bank Balance, Bank Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Last Deposit, Last Withdrawal, Unpaid Transactions, Interest Rate Account, It includes account ledger information that includes at least one of the following: linkage, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic receipt information including at least one or more periods (days), period 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 of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the welfare fund management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial account. At least one financial transaction (e.g. withdrawal of a voucher payment, transfer of funds, or the like) to be included in the account ledger provided in the ledger D / B 200 provided on the system It is preferable to include at least one ledger information) that should be provided to process the payment processing through the payment amount of the voucher).

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest rate now, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last withdrawal amount, final withdrawal amount It includes at least one ledger information, such as the number of unpaid account transactions, 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, wherein the virtual account deposit The amount corresponding to the voucher virtual account balance, the actual balance of the voucher virtual account is deposited in the welfare fund management account. It is desirable.

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

6 is a view illustrating a process of opening a voucher virtual account for opening a non-face-to-face voucher-only payment virtual account according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a client terminal and a network in which a predetermined customer includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the voucher virtual account opening system shown in FIG. 4. Means) transmits a predetermined virtual account opening application information to the voucher virtual account opening server 100 through the voucher virtual account opening server 100, and the voucher virtual account opening server 100 requests the virtual account opening. The process of opening a predetermined voucher virtual account based on the information. If the person of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 6 to open a dedicated voucher payment virtual account. In order to be able to infer various implementation methods for opening the voucher virtual account, the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the welfare fund operating institution terminal shown in FIG. 4 is referred to as a “terminal” for convenience, and the voucher virtual account opening server 100 is referred to as a “server” for convenience.

Referring to FIG. 6, a welfare fund operation organization that wants to open a voucher virtual account to the voucher subject to open the voucher-only payment virtual account accesses the server through the network means using the terminal, and connects to the server. Request a virtual account opening interface for opening the voucher virtual account (600), and correspondingly, the server extracts (or generates) a virtual account opening interface for opening the voucher virtual account and provides it to the terminal (605). .

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

The virtual account opening interface may include a predetermined terminal used by the welfare fund operation organization, network means for connecting the terminal and the server, and inputting predetermined virtual account opening application information from the terminal to the server. It is preferable to include a user interface for transmitting.

According to the implementation method of the present invention, the virtual account opening application information is a welfare fund management agency information requesting the voucher subject to open a voucher virtual account for opening the voucher-only payment virtual account, the voucher subject information and the virtual It is preferable to include at least one welfare fund management account information corresponding to the mother account linked to the account.

Here, the welfare fund management institution information, the welfare fund management institution name, the name of the welfare fund management agency head, welfare fund management agency personnel information, welfare fund code and welfare fund management institution address is preferably included at least one or more. .

The voucher subject information may include at least one voucher subject (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by the welfare fund operation institution (or Poor) and / or personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is preferable that the voucher certificate, or voucher certificate (or voucher card) included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher target person. (E.g., the serial number (or unique Number), or the card number included in the voucher card).

In addition, the welfare fund management account information associated with the virtual account is to be paid to the real account (or at least one voucher in the welfare fund management institution) linked to the voucher virtual account of the voucher name at the request of the welfare fund management institution. Account number and account holder information for the welfare fund management account already established in the ledger D / B 200 on the financial system as the information corresponding to the welfare fund management account corresponding to the real account in which the welfare fund is deposited. It is preferable to include at least one or more.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to check whether the voucher virtual account can be opened to the customer. 615).

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the welfare fund operation account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to include one or more specifically.

If the validity to open the voucher virtual account to the customer is not authenticated through the virtual account opening application information (620), the server informs the customer of the voucher virtual account opening error information through the virtual account opening interface. Provide (625) and stop opening the voucher virtual account to the customer.

On the other hand, if the validity to open the voucher virtual account to the customer is authenticated through the virtual account opening application information (620), the server is based on the virtual account opening application information to the voucher virtual account to open to the voucher subject In operation 630, virtual account ledger information of the corresponding voucher subject name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is the person And at least one ledger information to be provided for processing at least one requested financial transaction (e.g. withdrawal of voucher payments, account transfer, or payment through voucher payments).

Those skilled in the art to which the present invention pertains may include at least one financial transaction (e.g., withdrawal of payment to a voucher, account transfer, Or you will be familiar with the configuration of at least one ledger information to be provided to process the payment process through the payment amount voucher), detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject among at least one account ledger provided on the ledger D / B 200 on the financial system. (635).

If the account ledger corresponding to the welfare fund operation account to be associated with the voucher virtual account to be opened to the voucher subject is confirmed (640), the server is provided on the welfare D / B 200 on the financial system A virtual account ledger of the name of the voucher subject to be processed in association with an account ledger corresponding to a fund management account (645), and an account ledger corresponding to the welfare fund management account to the ledger D / B (200) on the financial system; The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (650).

Voucher-specific information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) in the voucher target information included in the virtual account opening application information according to an embodiment of the present invention. Is included, the financial institution in which the voucher virtual account is opened after the voucher virtual account linked to the welfare fund management account is opened as described above, and the voucher subject information (for example, voucher payment target name, social security number, address, telephone). A voucher subject corresponding to a voucher subject personal information including at least one of a number, a mobile phone number, and an e-mail address, etc., by visiting the financial institution window through the voucher certificate and / or the voucher card (or operated by the financial institution). Cash Dispenser (CAD) / Automatic Teller Machine (ATM) or at least one non-face to face finance It is desirable to request a voucher password registration for processing at least one financial transaction (through a channel).

Alternatively, when the voucher target information included in the virtual account opening application information includes the voucher unique information (eg, a serial number (or unique number) included in the voucher certificate, or a card number included in the voucher card), The welfare fund management institution visits the financial institution window through the voucher certificate and / or voucher card to the voucher subject after the voucher virtual account linked to the welfare fund management account is opened as described above (or at the financial institution). It is desirable to request a voucher password registration for processing at least one or more financial transactions (through an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels).

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject information included in the virtual account opening application information. The financial information without a separate voucher certificate (or voucher card) to the voucher subject (for example, the voucher subject personal information including at least one or more of the voucher payment subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) A voucher unique code (or unique number) and voucher for processing at least one financial transaction by visiting an institution's counter (or via a CD / ATM operated by the financial institution or through at least one or more non-face-to-face financial transaction channels) It is desirable to request a password registration.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management institution visits the financial institution's counter (or the voucher card) without a separate voucher certificate (or voucher card). It is desirable to request a voucher unique code (or unique number) and voucher password registration for processing at least one financial transaction through a CD / ATM operated by a financial institution or through at least one non-face-to-face financial transaction channel. .

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund operation account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. At least one card (e.g., credit card) owned by the voucher through information (e.g., voucher subject personal information including at least one or more of a voucher subject name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) , Check card, debit card, cash card, prepaid card, etc.) to visit the financial institution's counter (or via CD / ATM operated by the financial institution, or through at least one non-face-to-face financial transaction channel). It is preferable to request card information registration for processing at least one or more financial transactions.

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, At least one card (eg, credit card, check card, debit card, cash card, prepaid card, etc.) owned by the voucher through a voucher subject personal information including at least one of a telephone number, a mobile phone number, and an e-mail address. Visit the financial institution's counter (or via CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to register card information for processing at least one financial transaction. It is desirable to request.

According to another exemplary embodiment of the present invention, after the voucher virtual account linked to the welfare fund management account is opened as described above, the financial institution in which the voucher virtual account is opened is included in the voucher subject application information. Visiting the financial institution's window (or operating by the financial institution) through information (for example, a personal voucher subject information including at least one or more of a voucher payment target name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) It is desirable to request issuance of a predetermined voucher card for processing at least one or more financial transactions (via CD / ATM or through at least one or more non-face to face financial channels).

Alternatively, after the voucher virtual account linked to the welfare fund management account is opened as described above, the welfare fund management agency may include the voucher subject information included in the virtual account opening application information (for example, a voucher payment target name, social security number, address, Visit the financial institution's counter (or personal information including at least one of a telephone number, a mobile phone number, an e-mail address, etc.) (or via a CD / ATM operated by the financial institution, or at least one non-face-to-face finance) It is desirable to request issuance of a predetermined voucher card for processing at least one financial transaction (through a trading channel).

7 is a diagram illustrating a face-to-face information registration system for financial transactions using a voucher virtual account according to an embodiment of the present invention.

In more detail, in FIG. 7, after the voucher virtual account is opened to a predetermined voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the voucher subject is informed through a predetermined information registration interface. Voucher subject information and voucher card information (e.g., credit card, check card, debit card, cash card, prepaid card issued by the at least one card company to the voucher subject for financial transactions using the voucher virtual account according to the present invention). When providing the voucher virtual account interlocking information including at least one card information corresponding to a card or the like), the information registration system based on the voucher subject information included in the provided voucher virtual account interlocking information 1 and / or Through the voucher virtual account opening system shown in FIG. A system configuration for linking the voucher card information to a virtual account ledger corresponding to a voucher virtual account issued to a voucher subject and storing the voucher card information in a predetermined storage medium 730. If you have, it will be able to infer various implementation methods for the configuration of the information registration system for financial transactions using the voucher virtual account by referring to and / or modifying the present Figure 7, the present invention includes all the implementation methods inferred The present invention is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the configuration of the information registration system illustrated in FIG. 7 and the voucher virtual account opening system illustrated in FIGS. 1 and / or 4. Voucher unique information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) to the voucher target information included in the virtual account opening application information during the voucher virtual account opening process through Is included, the voucher subject visits the financial institution window through the voucher certificate and / or voucher card (or via CD / ATM operated by the financial institution, or at least one non-face-to-face financial transaction channel). Non-face-to-face information for registering voucher passwords for processing at least one financial transaction Would be able to infer the system configuration, the present invention includes all embodiments in which the inference method, to which the technical feature of the present invention is not limited.

Or, if you have ordinary knowledge in the technical field to which the invention belongs, by referring to and / or modify the configuration of the information registration system shown in Figure 7, the subject of the voucher without a separate voucher certificate (or voucher card) the financial institution Voucher unique codes (or unique numbers) and voucher passwords for processing at least one financial transaction by visiting the counter (or via a CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) It is possible to infer a non-face-to-face information registration system configuration for registering the present invention, but the present invention includes all the inferred implementation methods, whereby the technical features of the present invention are not limited.

Alternatively, a person having ordinary knowledge in the technical field to which the invention belongs may refer to and / or modify the configuration of the information registration system shown in FIG. 7 so that the voucher subject visits the financial institution window (or at the financial institution). It would be possible to infer a system configuration for issuing a predetermined voucher card for processing at least one or more financial transactions (via an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels) It includes all the method of implementation, whereby the technical features of the present invention is not limited.

Hereinafter, at least one means and / or functional configuration for storing the voucher virtual account interworking information provided from the customer on the storage medium 730 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, an information registration system for financial transactions using a voucher virtual account according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch. And the information registration terminal is connected to a communication channel with an information registration server 700 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for a financial transaction using the voucher virtual account according to the present invention, and through a window provided at the financial institution branch (or through a teller employee). ) Prepare a predetermined application for financial transactions using the voucher virtual account (e.g., a document with a form for filling in at least one item of information for financial transactions using the voucher virtual account); The counter clerk inputs (or selects) the information entered in the application through a predetermined counter terminal, and the counter terminal transmits the input (or selected) information to the information registration system through the financial network. It is preferable to transmit to the information registration server 700 provided on the.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 700 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 700 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 700. Do.

In the information registration system as described above, the application form prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 700 are the vouchers according to the present invention. It performs the function of the information registration interface for registering the voucher virtual account interworking information for financial transactions using the virtual account.

The storage medium 730 provided on the information registration system according to the present invention is based on the voucher subject information included in the voucher virtual account interworking information provided from the information registration terminal. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the illustrated voucher virtual account opening system and stored in a predetermined storage medium 730.

Here, the voucher subject information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by a predetermined welfare fund operation institution ( Or poor) and / or voucher personal information (e.g., voucher payee's name, social security number, address, phone number, mobile phone number, e-mail address) for creditors, low income, homeless persons, etc. Etc.), and when the welfare fund management institution issues a voucher certificate or voucher card to the voucher subject, the voucher is included in the voucher certificate (or voucher card). Information (e.g., the serial number included in the voucher certificate (or It comprises a unique number), or the card number contained in the card voucher, etc.) are preferred.

The voucher card information may include at least one card company information, a card number, an expiration date information, etc. corresponding to a credit card, a check card, a debit card, a cash card, a prepaid card, etc. issued to the voucher subject by at least one card company. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, 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.

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ) 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, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 700 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 700 is characterized in that it comprises an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 705 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 7, when the predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705, the information registration server 700 works in conjunction with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined voucher virtual account interworking information to the registration terminal, and providing the information registration terminal to the information registration terminal; An information receiving unit 715 for receiving predetermined voucher virtual account interworking information input (or selected) and transmitted from the information registration terminal through the user interface in association with 705 and the received voucher virtual account interworking information; Validation unit 720 for confirming the validity, and the voucher subject information included in the voucher virtual account interlocking information confirmed the validity The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 to a predetermined storage medium 730. And an information storage unit 725 stored in the storage unit.

The interface providing unit 710 connects the voucher virtual account in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705. Generate a predetermined user interface capable of inputting (or selecting) information and transmitting it to the information registration server 700 via the financial network, and / or extract from a predetermined database (not shown), and the interface unit ( In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information based on the user interface, and the input (or select) the voucher virtual account. The interworking information is transmitted to the information registration server 700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

When the information receiving unit 715 inputs (or selects) voucher virtual account interworking information including at least one of voucher subject information and voucher card information through the user interface, the information registration terminal 715 transmits the information through the financial network. The voucher virtual account interworking information is received in cooperation with the interface unit 705, and the received voucher virtual account interworking information is provided to the validity checker 720.

The validity verification unit 720 is characterized in that whether the voucher virtual account interworking information received from the information registration terminal satisfies the validity for financial transactions using the voucher virtual account.

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be verified in the ledger D / B 200 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

When the validity of the voucher virtual account interworking information is confirmed, the information storage unit 725 is based on the voucher subject information included in the voucher virtual account interlocking information, and the voucher virtual account shown in FIGS. 1 and / or 4 is shown. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through an open system and stored in the storage medium 730, and the storage medium 730 stores the voucher card information. When provided in the information registration server 700 or provided on the network associated with the information registration server 700, the information storage unit 725 receives the voucher subject information included in the received voucher virtual account linkage information. Based on the voucher virtual account opening system shown in Figure 1 and / or Figure 4 based on the voucher issued to the voucher box Preferably, the voucher card information is linked to a virtual account ledger corresponding to an upper account and stored in the storage medium 730. When the storage medium 730 is provided in a DBMS provided on a financial system, The information storage unit 725 is a voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the received voucher virtual account interworking information. Preferably, the voucher card information is provided to the virtual account ledger corresponding to the account as an information system through an external system on the financial system and stored in a DBMS provided on the financial system.

8 is a view showing the configuration of the voucher virtual account interworking information stored in the ledger D / B 800 provided in the DBMS on the financial system in a face-to-face for financial transactions using the voucher virtual account according to an embodiment of the present invention .

In more detail, FIG. 8 illustrates the general ledger information provided in the ledger D / B 800 when the storage medium 730 illustrated in FIG. 7 is the ledger D / B 800 provided in the DBMS on the financial system. The virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. The information structure for one embodiment of the method of storing and linking the voucher card information, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 8 to the ledger Although it is possible to infer various information configuration methods for storing the voucher virtual account interworking information in the D / B 800, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 8 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the name of the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is provided. The ledger corresponding to the welfare fund management account is processed in connection with the ledger D / B 800 on the financial system, characterized in that the account ledger corresponding to the welfare fund management account is the welfare fund management institution ( For example, it is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the Ministry of Health and Welfare and / or each local government.

Here, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, a contact ID, a branch number, a customer classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Location, Account number, president, type of business, legal representative, first 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. It is preferable.

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

In addition, the account ledger corresponding to the welfare fund management account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transaction transactions, interest rate account, It includes account ledger information including at least one final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. Periodic reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of settlement Transaction information including at least one bank account line, summary, CIF, and the like.

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the welfare fund management account, the virtual account ledger information is provided on the financial system and the parent account information associated with the virtual account At least one financial transaction (e.g. withdrawal of the payment to a voucher, withdrawal, or transfer to a voucher) that must be included in the account ledger provided in the ledger D / B 800 It is preferable to include at least one ledger information) to be provided for processing).

Referring to FIG. 8, the voucher virtual account interworking information provided through the information registration system illustrated in FIG. 7 may be stored in the form of additional information added to the account ledger. The voucher virtual account interworking information may be a voucher subject. And at least one information and voucher card information.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

FIG. 9 is a diagram of voucher virtual account interworking information stored in a database linked to a ledger D / B 800 provided in a DBMS on a financial system in a face-to-face manner for financial transactions using a voucher virtual account according to another embodiment of the present invention. Figure is a diagram.

In more detail, FIG. 9 illustrates a case in which the storage medium 730 shown in FIG. 7 includes a predetermined database linked to the ledger D / B 800 provided in a DBMS on a financial system. The voucher in the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the virtual account interworking information. The information structure for one embodiment of the card information is stored in a linked manner, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. It is possible to infer a variety of information configuration methods for storing the voucher virtual account linkage information in association with the ledger D / B (800). The would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

Particularly, in FIG. 9, when it is not easy to store the voucher card information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (eg, the ledger D of the DBMS due to the policy of the financial institution). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the voucher card information is stored in a predetermined database instead of the ledger D / B 800, and The implementation method of storing a database and the ledger D / B 800 in a coordinated manner is illustrated.

In addition, the database shown in FIG. 9 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 9, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 9, the database is based on the voucher subject information included in the voucher virtual account interworking information, and the voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4. The voucher card information is linked and stored in a virtual account ledger corresponding to an account, wherein the voucher card information is stored in the ledger information in the voucher card information to be linked to the ledger D / B 800. It is preferable to further comprise a corresponding CIF number.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

FIG. 10 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

More specifically, in Figure 10, the storage medium 730 shown in Figure 7 is a predetermined banking provided on the Internet banking system, and / or tele-banking system, and / or wireless banking system, and / or TV banking system When provided in the DBMS provided in the server, based on the voucher subject information included in the voucher virtual account interworking information in the DBMS through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 An embodiment of the present invention relates to a method of linking and storing the voucher card information in a virtual account ledger corresponding to a voucher virtual account issued to a target person. To the voucher virtual account interworking information stored in a predetermined DBMS provided in at least one banking server by referring and / or transforming It is possible to infer a method for configuring information on the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10, a predetermined DBMS provided in the banking server may be configured through a voucher virtual account opening system shown in FIGS. 1 and / or 4 based on voucher subject information included in the voucher virtual account interworking information. The voucher card information is linked and stored in a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

11 illustrates a process of registering voucher virtual account interworking information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a case in which the information registration server 700 on the information registration system shown in FIG. 7 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. In the above, the window terminal connects to the information registration server 700 and connects the communication channel for information registration according to the present invention, and then the voucher subject information to the information registration server 700 through the communication channel. When the voucher virtual account interworking information including voucher card information (for example, card information corresponding to a credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject by at least one card company) is transmitted, 1 and / or FIG. 1 based on the voucher subject information included in the voucher virtual account interworking information received from the information registration server 700. As an embodiment of the present invention, the voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIG. 4 and stored in a predetermined storage medium 730. In the technical field to which the present invention pertains, various embodiments of the present invention register and / or modify the voucher virtual account interworking information with the information registration server 700 by referring to and / or modifying the drawing 11. It can be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 11, the window terminal shown in Fig. 7 is referred to as a "terminal" for convenience, and the information registration server 700 shown in Fig. 7 is referred to as a "server" for convenience, and the information is registered in the window terminal. The voucher subject information and the voucher card information transmitted to the server 700 are referred to as "voucher virtual account interworking information" for convenience.

Referring to FIG. 11, a window terminal shown in FIG. 7 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the voucher virtual account interworking information, and uses the voucher virtual account. When requesting registration of the voucher virtual account interworking information for a financial transaction (1100), the server generates (or extracts) a predetermined information registration interface for registering the voucher virtual account interworking information (1105), and the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal through the output (1110).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information. Do.

Thereafter, the terminal inputs (or selects) voucher virtual account interworking information including at least one voucher subject information and voucher card information through the information registration interface (1115).

If the terminal receives (or selects) voucher virtual account interworking information including the voucher subject information and the voucher card information through the information registration interface (1120), the terminal inputs (or selects) the information through the financial network. The voucher virtual account interworking information including the voucher subject information and the voucher card information is transmitted to the server (1125).

Thereafter, the server receives and reads the voucher target information and the voucher card information through the financial network to check the validity of the voucher virtual account interworking information (1130).

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

If the validity of the voucher virtual account interworking information is not authenticated (1135), the server generates predetermined information registration error information and transmits it to the terminal (1140), and registers the information corresponding to the voucher virtual account interworking information. Do not perform the procedure.

On the other hand, if the validity of the voucher virtual account interworking information is authenticated (1135), the server performs an information registration procedure corresponding to the voucher virtual account interworking information, and thus, based on the voucher subject information, FIG. 1 and / or FIG. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIG. 4 and stored in the predetermined storage medium 730 (1145).

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, 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.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1150), thereby completing the procedure of registering the voucher virtual account interworking information transmitted from the terminal.

12 is a diagram illustrating a non-face-to-face information registration system for financial transactions using a voucher virtual account according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates that a voucher virtual account is opened to a given voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4, and then the voucher subject via a predetermined information registration interface. Voucher subject information and voucher card information (for example, a credit card, a check card, a debit card, a cash card, issued by the at least one card company to the voucher subject for financial transactions using the voucher virtual account according to the present invention). If the voucher virtual account interlocking information including at least one card information corresponding to a prepaid card, etc. is provided, the information registration system is based on the voucher subject information included in the provided voucher virtual account interlocking information. Alternatively, through the voucher virtual account opening system shown in FIG. A system configuration for linking the voucher card information to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject and storing the voucher card information in a predetermined storage medium 730, which is common in the art. Those skilled in the art will be able to infer various implementation methods for configuring an information registration system for financial transactions using a voucher virtual account by referring to and / or modifying the drawing 12, but the present invention provides all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify the configuration of the information registration system shown in FIG. 12 and the voucher virtual account opening system shown in FIGS. 1 and / or 4 above. Voucher unique information (for example, serial number (or unique number) included in the voucher certificate, or card number included in the voucher card) to the voucher target information included in the virtual account opening application information during the voucher virtual account opening process through Is included, the voucher subject visits the financial institution window through the voucher certificate and / or voucher card (or via CD / ATM operated by the financial institution, or at least one non-face-to-face financial transaction channel). Non-face-to-face information for registering voucher passwords for processing at least one financial transaction Would be able to infer the system configuration, the present invention includes all embodiments in which the inference method, to which the technical feature of the present invention is not limited.

Or, if the person skilled in the art to which the invention belongs, refer to and / or modify the configuration of the information registration system shown in Figure 12, the voucher subject is the financial institution without a separate voucher certificate (or voucher card) Voucher unique codes (or unique numbers) and voucher passwords for processing at least one financial transaction by visiting the counter (or via a CD / ATM operated by the financial institution, or through at least one or more non-face-to-face financial transaction channels) It is possible to infer a non-face-to-face information registration system configuration for registering the present invention, but the present invention includes all the inferred implementation methods, whereby the technical features of the present invention are not limited.

Alternatively, a person having ordinary knowledge in the technical field to which the invention belongs may refer to and / or modify the configuration of the information registration system shown in FIG. 12 so that the voucher subject visits the financial institution window (or at the financial institution). It would be possible to infer a system configuration for issuing a predetermined voucher card for processing at least one or more financial transactions (via an operating CD / ATM or through at least one or more non-face-to-face financial transactions channels) It includes all the method of implementation, whereby the technical features of the present invention is not limited.

Hereinafter, at least one means and / or functional configuration for storing the voucher virtual account interworking information provided from the customer on the storage medium 730 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 700 " for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, an information registration system for financial transactions using a voucher virtual account according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal including at least one or more thereof, wherein the information registration terminal is connected to a communication channel with an information registration server 700 provided on the information registration system through a predetermined network means. .

According to one embodiment of the present invention, the customer accesses the information registration server 700 through at least one or more client terminals of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, Inputting (or selecting) voucher virtual account interworking information for financial transactions using the voucher virtual account according to the present invention through at least one user interface provided by the information registration server 700, a predetermined network in the client terminal It is preferable to transmit to the information registration server 700 provided on the information registration system by means.

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

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile 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 It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the information registration server 700 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 700 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC according to the type of wireless network connected to the client terminal / Mobitex-based wireless data communication network, or / and preferably includes any type of wireless communication network proposed in the future including a predetermined wireless interval.

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

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

In the above information registration system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired network connecting the client terminal and the information registration server 700. And / or the wireless network performs a function of an information registration interface for the customer to register the voucher virtual account interworking information for the financial transaction using the voucher virtual account according to the present invention.

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

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information registration server 700 are provided. The financial network that connects the customer performs a function of an information registration interface for registering the voucher virtual account linked information for the financial transaction using the voucher virtual account according to the present invention, and / or the information registration terminal is the call In the case of a terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 700 may be provided by the customer according to the present invention. Performs a function of an information registration interface for registering the voucher virtual account interworking information for financial transactions using the virtual account, and / or the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a lock terminal, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the information registration server 700 and the information registration server 700 performs a function of an information registration interface for registering the voucher virtual account interworking information for the financial transaction using the voucher virtual account according to the present invention.

The storage medium 730 provided on the information registration system according to the present invention is based on the voucher subject information included in the voucher virtual account interworking information provided from the information registration terminal. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through the illustrated voucher virtual account opening system and stored in a predetermined storage medium 730.

Here, the voucher subject information may include at least one or more voucher subjects (eg, elderly living alone, grandchildren, children living with boys and girls, etc.) who are required to pay the welfare fund by a predetermined welfare fund operation institution ( Or poor) and / or voucher subject personal information (e.g., voucher recipient's name, social security number, address, telephone number, mobile phone number, mail) Address, etc.), and the voucher included in the voucher certificate (or voucher card) when the welfare fund management institution has issued a voucher certificate or voucher card to the voucher subject to prove that the voucher is a subject. Unique information (e.g., the serial number included in the voucher certificate (or Unique number), or a card number included in the voucher card).

The voucher card information may include at least one card company information, a card number, an expiration date information, etc. corresponding to a credit card, a check card, a debit card, a cash card, a prepaid card, etc. issued to the voucher subject by at least one card company. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, 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.

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ) 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, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 700 is connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the outside world of the financial system through the internet banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the Internet banking server (and / or the server (or device)). Or / or a program provided to the external world on the financial system, whereby the present invention is limited. Not.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 700 is on the wireless banking system. A predetermined wireless banking server, and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 700 is located on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) and / or a program included in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited The.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 700 is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 705 is the wired network. And / or connect a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It would be desirable to provide a communication interface for the present invention.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 700, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 705 may be configured to be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, 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. do.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 700, the interface unit 705 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 705 connects to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 705 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 705 uses a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 12, when the predetermined information registration terminal accesses the information registration server 700 through the interface unit 705, the information registration server 700 cooperates with the interface unit 705 to provide the information. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined voucher virtual account interworking information to the registration terminal, and providing the information registration terminal to the information registration terminal; An information receiver 715 for receiving predetermined voucher virtual account interworking information input (or selected) and transmitted from the information registration terminal through the user interface in association with 705; and included in the received voucher virtual account interworking information. The voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the received voucher subject information And an information storage unit 725 configured to link the voucher card information to a virtual account ledger corresponding to the voucher virtual account issued to the user and store the same in the predetermined storage medium 730.

The interface providing unit 710 connects the voucher virtual account in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 700 through the interface unit 705. Generate a predetermined user interface capable of inputting (or selecting) information and transmitting it to the information registration server 700 via the network means, and / or extracts from a predetermined database (not shown), and the interface unit ( In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information based on the user interface, and the input (or select) the voucher virtual account. The interworking information is transmitted to the information registration server 700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 710 is the client. Generating (or extracting) a predetermined user interface provided by a browser program and / or a communication program provided in the terminal, and providing the generated (or extracted) user interface to the client terminal through the interface unit 705. It is preferable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 710 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 710 is connected to the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 705. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

When the information receiving unit 715 inputs (or selects) voucher virtual account interworking information including at least one of voucher subject information and voucher card information through the user interface, the information registration terminal 715 transmits the information through the network means. The voucher virtual account interworking information is received in cooperation with the interface unit 705, and the received voucher virtual account interworking information is provided to the validity checker 720.

The validity verification unit 720 is characterized in that whether the voucher virtual account interworking information received from the information registration terminal satisfies the validity for financial transactions using the voucher virtual account.

According to an embodiment of the present invention, the validity of the voucher virtual account interworking information is determined by the voucher shown in Figs. 1 and / or 4 in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher target information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the virtual account opening system.

When the validity of the voucher virtual account interworking information is confirmed, the information storage unit 725 is based on the voucher subject information included in the voucher virtual account interlocking information, and the voucher virtual account shown in FIGS. 1 and / or 4 is shown. The voucher card information is linked to a virtual account ledger corresponding to a voucher virtual account issued to the voucher subject through an open system and stored in the storage medium 730, and the storage medium 730 stores the voucher card information. When provided in the information registration server 700 or provided on the network associated with the information registration server 700, the information storage unit 725 receives the voucher subject information included in the received voucher virtual account linkage information. Voucher issued to the voucher subject through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 based on Preferably, the voucher card information is linked to a virtual account ledger corresponding to an account and stored in the storage medium 730. When the storage medium 730 is provided in a DBMS provided on a financial system, the information is stored. The storage unit 725 is a voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the received voucher virtual account interworking information. Preferably, the voucher card information is provided to the virtual account ledger corresponding to the account as an information system through an external system on the financial system and stored in a DBMS provided on the financial system.

FIG. 13 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a ledger D / B 800 provided in a DBMS on a financial system in a non-face-to-face manner for financial transactions using a voucher virtual account according to an embodiment of the present invention. to be.

In more detail, in FIG. 13, when the storage medium 730 illustrated in FIG. 12 is the ledger D / B 800 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 800 is used. The virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. An information structure for an embodiment of the present invention for cooperatively processing and storing the voucher card information is illustrated. If a person of ordinary skill in the art belongs to the present invention, referring to and / or modifying FIG. Although it is possible to infer various information configuration methods for storing the voucher virtual account interworking information in / B (800), the present invention includes all the inferred implementation method, It shall not be limited to the exemplary method shown in figure 13.

Referring to FIG. 13 according to an embodiment of the present invention, a virtual account ledger corresponding to a voucher virtual account opened under the name of the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 may include: The ledger corresponding to the welfare fund management account is processed in connection with the ledger D / B 800 on the financial system, characterized in that the account ledger corresponding to the welfare fund management account is the welfare fund management institution ( For example, it is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the Ministry of Health and Welfare and / or each local government.

Here, the customer ledger is a ledger corresponding to the welfare fund operation organization (for example, the Ministry of Health and Welfare and / or each local government), and includes a CIF (Customer Information File) number, a country code, a contact ID, a branch number, a customer classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Location, Account number, president, type of business, legal representative, first transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the welfare fund management account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transaction transactions, interest rate account, It includes account ledger information including at least one final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (month), and period (days) corresponding to the account ledger. Periodic reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of settlement Transaction information including at least one bank account line, summary, CIF, and the like.

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the welfare fund management account, the virtual account ledger information is provided on the financial system and the parent account information associated with the virtual account At least one financial transaction (e.g. withdrawal of the payment to a voucher, withdrawal, or transfer to a voucher) that must be included in the account ledger provided in the ledger D / B 800 It is preferable to include at least one ledger information) to be provided for processing).

Referring to FIG. 13, the voucher virtual account interworking information provided through the information registration system shown in FIG. 12 is stored in a form of additional information added to the account ledger. The voucher virtual account interworking information is stored in the voucher object And at least one information and voucher card information.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

14 is linked to the voucher virtual account stored in the database associated with the ledger D / B 800 provided in the DBMS on the financial system in a non-face-to-face for financial transactions using the voucher virtual account according to another embodiment of the present invention It is a figure which shows an information structure.

More specifically, FIG. 14 illustrates a case in which the storage medium 730 shown in FIG. 12 includes a predetermined database linked to the ledger D / B 800 provided in a DBMS on a financial system. The voucher in the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the virtual account interworking information. FIG. 14 illustrates an information structure of an embodiment of a method of linking and storing card information. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. It is possible to infer a variety of information configuration methods for storing the voucher virtual account linkage information in association with the ledger D / B (800). It will be appreciated that the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 14, it is not easy to store the voucher card information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the voucher card information is stored in a predetermined database instead of the ledger D / B 800, and It shows the implementation method of storing the database and the ledger D / B (800) in association.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 14, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 14, the database is a voucher virtual issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the voucher virtual account interworking information. The voucher card information is linked and stored in a virtual account ledger corresponding to an account, wherein the voucher card information is stored in the ledger information in the voucher card information to be linked to the ledger D / B 800. It is preferable to further include a corresponding CIF number.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable that the information includes at least one or more period information.

FIG. 15 is a diagram illustrating a configuration of voucher virtual account interworking information stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions using a voucher virtual account according to another embodiment of the present invention.

More specifically, in Figure 15, the storage medium 730 shown in Figure 12 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. When provided in the DBMS provided in the server, based on the voucher subject information included in the voucher virtual account interworking information in the DBMS through the voucher virtual account opening system shown in Figure 1 and / or Figure 4 An embodiment of the present invention relates to a method of linking and storing the voucher card information in a virtual account ledger corresponding to a voucher virtual account issued to a target person. To the voucher virtual account interworking information stored in a predetermined DBMS provided in at least one banking server by referring and / or transforming It will be possible to infer a method for organizing information about the present invention, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 15, a predetermined DBMS provided in the banking server may be configured to establish a voucher virtual account opening system shown in FIGS. 1 and / or 4 based on voucher subject information included in the voucher virtual account interworking information. The voucher card information is linked and stored in a virtual account ledger corresponding to a voucher virtual account issued to the voucher target through the card.

Here, the voucher card information, the voucher virtual account number, card company information corresponding to the credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject from at least one card company, card number, valid It is preferable to include at least one or more period information.

16 is a diagram illustrating a process of registering the voucher virtual account interworking information in a non-face-to-face manner for financial transactions using the voucher virtual account according to an embodiment of the present invention.

In more detail, in FIG. 16, when the information registration server 700 on the information registration system shown in FIG. 12 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to an information registration server 700 and connecting a communication channel for information registration according to the present invention, the voucher subject information and the voucher card information (eg, at least one) to the information registration server 700 through the communication channel. When the card company transmits the voucher virtual account interworking information including credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject, the information registration server 700 1 and / or FIG. 4 based on the voucher subject information included in the received voucher virtual account interworking information in FIG. An embodiment of the present invention relates to an embodiment of a method of storing the voucher card information in a predetermined storage medium 730 by linking the voucher card information to a virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the illustrated voucher virtual account opening system. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for registering the voucher virtual account interworking information from the client terminal to the information registration server 700. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 12 is called "server" for convenience, and the information registration is performed in the client terminal. The voucher subject information and the voucher card information transmitted to the server 700 are referred to as "voucher virtual account interworking information" for convenience.

Referring to Figure 16, the client terminal shown in Figure 12 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based A predetermined communication channel for registering the voucher virtual account interworking information by connecting to the server through a mobile communication network and / or an IEEE 802.16x based portable Internet, etc., and for the financial transaction using the voucher virtual account. When requesting registration of voucher virtual account interworking information (1600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the voucher virtual account interworking information (1605), and establishes the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (1610).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information. Do.

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

Thereafter, the terminal inputs (or selects) voucher virtual account interworking information including at least one or more voucher subject information and voucher card information through the information registration interface (1615).

If the terminal receives (or selects) voucher virtual account interworking information including the voucher subject information and the voucher card information through the information registration interface (1620), the terminal inputs (or selects) the communication channel through the communication channel. The voucher subject information and the voucher card information are transmitted to the server (1625).

According to an embodiment of the present invention, transmitting the voucher subject information and the voucher card information inputted through the communication channel to the server may include a voucher virtual account inputted through the information registration interface. The electronic signature and / or encryption through the security module provided in the terminal may be further transmitted to the server.

Thereafter, the server receives and reads the voucher target information and the voucher card information through the communication channel to confirm the validity of the voucher virtual account interworking information (1630).

According to an embodiment of the present invention, confirming the validity of the voucher virtual account interworking information, when the voucher virtual account interworking information is digitally signed and / or encrypted through a security module provided in the terminal, the voucher And decoding the virtual account interlocking information, and / or decoding the voucher virtual account interlocking information.

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

If the validity of the voucher virtual account interworking information is not authenticated (1635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640). The voucher virtual account interworking information is performed. Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the voucher virtual account interlocking information is authenticated (1635), the server performs an information registration procedure corresponding to the voucher virtual account interlocking information, and thus the figure 1 and / or the figure based on the voucher subject information. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIG. 4 and stored in the predetermined storage medium 730 (1645).

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, 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.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1650), thereby completing the procedure of registering the voucher virtual account interworking information transmitted from the terminal.

17A and 17B are diagrams illustrating a process of registering voucher virtual account interworking information in a non-face-to-face manner for financial transactions using a voucher virtual account according to another exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B illustrate a case in which the information registration system shown in FIG. 12 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal transmits the predetermined voucher virtual account interworking information for the financial transaction using the voucher virtual account to the Internet banking server. Voucher virtual account interworking information including voucher subject information and voucher card information (for example, card information corresponding to a credit card, check card, debit card, cash card, prepaid card, etc. issued to the voucher subject by at least one card company) When sending, the received voucher is added from the information registration server 700 The voucher card information in the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher subject information included in the account linkage information. The present invention relates to an implementation method of linking and storing the data in a predetermined storage medium 730. Those skilled in the art to which the present invention pertains may refer to and / or modify the present drawings 17a and 17b to the client. Various implementation methods for registering the voucher virtual account interworking information from the terminal to the information registration server 700 may be inferred, but the present invention includes all the inferred implementation methods, as shown in FIGS. 17A and 17B. It is not limited to the implemented method.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 17A and 17B. Based on the implementation method for connecting the Internet banking-based financial transaction channel for registering the voucher virtual account interworking information between the client terminal and the Internet banking server, if the person of ordinary skill in the art Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17A and 17B, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. Eva Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering a virtual account linked information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 17a and 17b, a telebanking system And / or a method of connecting a non-face-to-face channel based financial transaction channel for registering voucher virtual account interworking information in another banking system such as a wireless banking system and / or a TV banking system, the present invention can be inferred. A banking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system, which is proposed in the future, includes all kinds of non-face-to-channel based financial transactions, and the technical configuration of the present invention is shown in FIG. It is by no means limited to the case of Internet banking shown in FIG. 17B.

In the following Figures 17a and 17b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 700 is referred to as "server" for convenience.

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), wherein a communication channel is generated (or extracted) by a request of a browser program provided to the client terminal in the server and transmitted to the client terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1710a).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be installed and / or updated in the terminal (1715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1730a), where the security for Internet banking A channel is attached to a predetermined electronic signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel to decode the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm, and the terminal may provide the server to register the voucher virtual account interworking information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registering voucher virtual account interworking information. Attach certain electronic signatures to the information (or data) to be provided and / or When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate installed in the terminal. It is characterized by.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1760a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined voucher virtual account interworking information for financial transactions using a voucher virtual account from the terminal to the server.

Subsequently, when the terminal requests registration of the Internet banking-based voucher virtual account interworking information to the server through the inter-banking-based financial transaction channel to register the voucher virtual account interworking information (1700b), the server interlocks the voucher virtual account. A web page corresponding to a predetermined information registration interface for information registration is generated (or extracted) (1705b), and the web page generated (or extracted) is transmitted to the terminal through the internet banking-based financial transaction channel for output. (1710b).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) voucher virtual account interworking information including at least one of voucher subject information and voucher card information. And / or a predetermined password (eg, an account password, etc.) and / or security code (e.g., to confirm the validity of the Internet banking customer requesting registration of the voucher virtual account interworking information and / or the voucher virtual account interworking information. , OTP authentication provided to the customer by a financial institution, such as a security code printed on a security card issued to the customer during the internet banking application process and / or one time password (eg, after the internet banking application process (or after the internet banking application)). Interface (or one-time password generated by the OTP authentication program) Further include a switch is preferred.

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

Thereafter, the terminal inputs (or selects) voucher virtual account interworking information including at least one of the voucher subject information and the voucher card information through the information registration interface (1715b).

If the terminal inputs (or selects) voucher virtual account interworking information including the voucher subject information and the voucher card information through the information registration interface (1720b), the terminal inputs the input (or The selected voucher virtual account interworking information is transmitted to the server (1725b).

According to the exemplary embodiment of the present invention, transmitting the voucher virtual account interworking information input (or selected) through the financial transaction channel to the server may include interlocking the voucher virtual account input (or selecting) through the information registration interface. And transmitting the information to the server by digitally signing and / or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the voucher virtual account interworking information through the financial transaction channel to check the validity of the voucher virtual account interlocking information (1730b).

According to an embodiment of the present invention, verifying the validity of the voucher virtual account interworking information, when the voucher virtual account interworking information is electronically signed and / or encrypted through a security module provided in the terminal, the voucher virtual And decrypting the account linkage information and / or the voucher virtual account linkage information.

In addition, the verification of the validity of the voucher virtual account interworking information, preferably further comprises authenticating the password and / or security code and / or OTP included in the voucher virtual account interlocking information.

According to an exemplary embodiment of the present invention, the validity of the voucher virtual account interworking information may be checked in the ledger D / B 800 on the financial system associated with the information registration system. It is preferable to include checking whether a voucher virtual account corresponding to the voucher subject information included in the voucher virtual account interworking information is included among at least one voucher virtual account registered through the account opening system.

If the validity of the voucher virtual account interworking information is not authenticated (1735b), the server generates a web page including a predetermined voucher virtual account interworking information registration error information and transmits it to the terminal (1740b). The information registration procedure corresponding to the virtual account interworking information is not performed.

On the other hand, if the validity of the voucher virtual account interlocking information is authenticated (1735b), the server performs an information registration procedure corresponding to the voucher virtual account interlocking information, thereby based on the voucher subject information included in the voucher virtual account interlocking information. The voucher card information is linked to the virtual account ledger corresponding to the voucher virtual account issued to the voucher subject through the voucher virtual account opening system shown in FIGS. 1 and / or 4 to a predetermined storage medium 730. Store in (1745b).

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 730 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 730 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, 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.

Thereafter, the server generates a web page including predetermined voucher virtual account interlocking information registration history information and transmits it to the terminal (1750b), thereby completing the registration of the voucher virtual account interlocking information transmitted from the terminal.

18 is a diagram showing the configuration of a financial terminal operating system for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

In more detail, FIG. 18 illustrates a financial terminal 1800 operating system including a cash dispenser (CD) and / or an automatic teller machine (ATM). The amount deposited in at least one voucher virtual account opened to a predetermined customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4 based on the voucher card information registered through the information registration system shown in FIG. For the financial terminal 1800 operating system configuration for withdrawing money, if the person of ordinary skill in the art belongs to, withdrawal of the amount deposited in the voucher virtual account by referring to and / or modified the present drawing 18 For various embodiments of the financial terminal 1800 operating system configuration can be inferred, but the present invention is all inferred implementation method Is done by also, to which the technical feature that is not limited to the exemplary method shown in the figure 18.

Register and manage the voucher card information registered through the information registration system shown in FIGS. 1 and / or 4, and at least to a predetermined customer through the voucher virtual account opening system shown in FIGS. 1 and / or 4. A financial institution that has opened one or more voucher virtual accounts has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It is done.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

Further, the financial system may include at least one financial terminal 1800 including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution. At least one financial terminal 1800 provided at an affiliated at least one other financial institution (and / or other financial institution branch), and / or at least one financial terminal 1800 provided at a public place and predetermined financing It is characterized in that connected via a network (for example, CD common network), and provides the financial transaction services of the non-face-to-face manner for at least one or more financial transaction customers through the financial terminal 1800.

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 (eg, CDMA (Code Division Multiple Access) 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) 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, 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 call 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 (eg, 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 or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 18, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (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, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person 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. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 800 for storing at least one ledger, wherein the ledger D / B 800 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 800 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to the present invention, the amount of money deposited in a voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is registered through the information registration system shown in FIGS. 1 and / or 4. In order to withdraw money through the financial terminal 1800 including the CD / ATM using the customer card based on the voucher card information, the CD / ATM unit provided in the external system on the financial system is provided through the financial network. Receives a predetermined financial means request message including the customer card information from the financial terminal 1800, and based on the customer card information included in the financial means request message is shown in Figure 1 and / or Figure 4 By inquiring the ledger D / B 800 which stores the registered voucher card information through the information registration system, the customer card is the voucher virtual system shown in Figs. 1 and / or 4. Characterized in that to make sure that in conjunction with the voucher virtual account registration through the established system.

If the customer card is not associated with the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4, the CD / ATM unit checks the financial means information corresponding to the customer card. In addition, a predetermined financial means providing a full text including the financial means information is generated and transmitted to the financial terminal 1800 through the financial network.

Thereafter, the financial terminal 1800 generates a predetermined financial transaction request message including the financial instrument information and transmits the predetermined financial transaction request message to the financial system. In response, the CD / ATM unit provides the predetermined financial transaction request message. A financial transaction is processed, and a corresponding financial transaction response message is generated and transmitted to the financial terminal 1800.

On the other hand, if the customer card is associated with a voucher virtual account registered through the voucher virtual account opening system shown in Figs. 1 and / or 4, the CD / ATM unit is based on the customer card information. Alternatively, the financial means information corresponding to the voucher virtual account ledger information included in the voucher card information registered through the information registration system shown in FIG. 4 is checked, the financial means information corresponding to the voucher virtual account ledger information, and the customer A predetermined financial means providing full text including financial means information corresponding to a card is generated and transmitted to the financial terminal 1800 through the financial network.

Thereafter, the financial terminal 1800 selects financial instrument target financial instrument information from financial instrument information corresponding to the voucher virtual account ledger information and financial instrument information corresponding to the customer card.

If the financial terminal 1800 withdraws the amount deposited in the voucher virtual account opened to the customer through the voucher virtual account opening system shown in Figs. 1 and / or 4, the voucher virtual account ledger information may be used. When the corresponding financial means information is selected and predetermined withdrawal amount information is input, the financial terminal 1800 generates a full financial transaction request message including the financial means information and the withdrawal amount corresponding to the voucher virtual account ledger information. The CD / ATM unit processes a financial transaction to withdraw the withdrawal amount from the voucher virtual account in response to the financial transaction request text message, and generates a corresponding financial transaction response text message in response to the financial transaction request text message. The financial terminal 1800 is transmitted to the financial terminal 1800 and the financial terminal 1800 is withdrawn when the financial transaction is effectively processed. Withdraw cash corresponding to the customer.

According to another embodiment of the present invention, the customer card is an open IC card, and the IC card storage information corresponding to the voucher card information is stored in the customer card in the information registration system shown in FIGS. 1 and / or 4. In this case, the process of confirming and selecting the financial instrument information corresponding to the voucher virtual account ledger information is processed in connection with the IC card, and thus the process of transmitting the full financial instrument request message from the financial terminal 1800 to the financial system is omitted. The present invention is not limited thereto.

19 is a diagram showing the functional configuration of the financial terminal 1800 for offline withdrawal of the amount deposited in the voucher virtual account according to the embodiment of the present invention.

More specifically, FIG. 19 illustrates a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a given financial institution (eg, a commercial bank branch) and / or in a public place. In the financial terminal 1800, it illustrates a preferred functional configuration for providing an offline withdrawal function of the amount deposited in the voucher virtual account according to the present invention, if the person skilled in the art to which the present invention belongs Various implementation methods for the financial terminal 1800 for providing an offline withdrawal function of the amount deposited in the voucher virtual account according to the present invention may be inferred by referring to and / or modifying the drawing 19, but the present invention is inferred from the above. It includes all implementation methods and is not limited by the implementation method shown in FIG.

Referring to FIG. 19, the financial terminal 1800 recognizes a voucher card (or customer card) to obtain a predetermined voucher card information, and a card reader unit 1910 and each provided through the financial terminal 1800. A screen output unit 1915 for outputting a processing screen to the financial transaction stage, a key input unit 1920 for receiving predetermined information according to each financial transaction stage, and a communication unit for communicating with the financial system through a predetermined financial network ( 1930, a memory unit 1955 for the financial terminal 1800 to store at least one or more financial transaction processing information for the financial transaction processing, predetermined financial transaction history information after the financial transaction, and each financial transaction. A cash payment unit 1940 for paying cash to the customer and a power supply unit 1925 for supplying power to the financial terminal 1800, at least one terminal function unit 1935, and the financial terminal 1800. Each function And a controller 1905 for controlling the component.

The control unit 1905 controls the overall operation of the financial terminal 1800 according to the function configuration, manages the flow of information or data between each component, and performs offline withdrawal transactions of the amount deposited in the voucher virtual account according to the present invention. To control at least one or more components provided in the financial terminal 1800, and at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU) hardware) For example, it comprises a register) and a bus (BUS) for inputting and outputting predetermined data and at least one electronic circuit (or integrated circuit) therefor, and also a financial terminal for performing a specific function in software. Loading into the execution memory from a predetermined recording medium provided at 1800 and by the processor It is characterized in that it comprises a predetermined program routine (Routine) and / or program data to be processed. In particular, the controller 1905 includes a predetermined operating system and / or a terminal control program routine that manages the financial terminal 1800 after the financial terminal 1800 is booted in software. 19 is a diagram illustrating, for convenience, at least one or more program components included in the financial terminal 1800 for offline withdrawal transaction of an amount deposited in a voucher virtual account according to the present invention.

The card reader 1910 may provide an interface between the voucher card and the financial terminal 1800 to read at least one or more information or data included in the voucher card for at least one or more financial transactions. MS Reader interface to MS (Magnetic Stripe) card based on ISO / IEC 7810 standard with financial terminal 1800, and / or to process withdrawal transaction of the amount deposited in the voucher virtual account in accordance with ISO / IEC 7816 standard. A contact IC reader unit for interfacing a contact integrated IC card with the financial terminal 1800 and / or a contactless IC reader for interfacing a contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 1800. And a contact IC reader unit and / or a non-contact IC reader unit corresponding to an IC card reader provided in the financial terminal 1800. Is recommended.

The MS reader unit is a card reader unit 1910 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. And interfacing predetermined information or data to the financial terminal 1800 from at least one or more tracks included in the MS track of the MS card.

The contact IC reader unit is a card reader unit 1910 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the terminal 1800.

The non-contact IC reader unit is a card reader unit 1910 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, supplies power to the IC chip of the IC card through the antenna, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the terminal 1800.

The screen output unit 1915 is previously defined to be output from the financial terminal 1800 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 1905. Or outputting at least one information or data which is defined in real time, and the key data and finance inputted through the key input unit 1920 to the information or data predefined to be output on the screen by the financial terminal 1800. It includes information stored or generated by a component included in the terminal 1800, information transmitted and received through the communication unit 1930, and data corresponding to a predetermined calculation result performed by the financial terminal 1800.

According to an embodiment of the present invention, the screen output unit 1915 outputs a processing screen and / or an interface screen according to the offline withdrawal transaction step of the amount deposited in the voucher virtual account according to the present invention to a predetermined screen output device. It is preferable.

The key input unit 1920 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the financial terminal 1800 controlled by the controller 1905. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1905. The controller 1905 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 1800, and / or is defined to match the key event. And an instruction to be executed to perform the functions characterized in that the pickup. The key input unit 1920 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the financial terminal 1800.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 1920 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 1920 preferably receives at least one or more pieces of information from a predetermined key input device in the offline withdrawal transaction step of the amount deposited in the voucher virtual account according to the present invention. .

The communication unit 1930 provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 1800 and the external system of each financial system) included in the financial terminal 1800. And a network communication unit 1930 for providing transactional communication with a CD / ATM unit provided in an external system on a financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. Cable communication unit 1930 and / or Infrared Ray communication, RF (Radio Frequency) communication to provide transactional communication with an external communication device via a cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) Local area communication unit for providing transactional communication with the local area communication device through at least one or more short-range wireless communication, including Bluetooth (BlueTooth), Wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) 1930, including communication protocols and communication applications for providing transactional communication in software.

According to the method of the present invention, the communication unit 1930 is the amount of money deposited in the CD / ATM unit and the voucher virtual account provided in the external system on the financial system via a network through the network communication unit 1930 It is desirable to connect a communication channel for processing offline withdrawal transactions.

The memory unit 1955 is a storage medium 730 that stores at least one or more information or data required for the control unit 1905 to perform a predetermined control function. The memory unit 1955 is electrically erasable and programmable read only memory in hardware. ), At least one storage means including a flash memory (FM) and a hard disk drive (HDD), and a predetermined program required by the controller 1905 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 1955 may store at least one financial transaction processing information used by the financial terminal 1800 to provide an offline withdrawal function of the amount deposited in the voucher virtual account according to the present invention. Preferably, and / or after the withdrawal of the amount of money deposited in the voucher virtual account, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 1940 is a financial transaction result corresponding to the voucher card read through the card reader unit 1910 from a predetermined financial system through the communication unit 1930, a predetermined cash payment command to the financial transaction customer (Or a cash payment approval result) and, when received, a predetermined amount of cash (or cash requested by the financial transaction customer) corresponding to the cash payment instruction (or cash payment approval result) is provided in the financial terminal 1800. Read out from the cash storage unit 1945, characterized in that the payment to the customer through a predetermined cash discharge unit (1950).

The terminal function unit 1935 is a component provided in the financial terminal 1800 in addition to the components shown in FIG. 19 and / or for a predetermined purpose or role. Typically, various additional function configurations according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support and / or a print output unit for printing a receipt and / or a biometric recognition device for biometrics It is made, including. Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 1935 provided according to the characteristics of the financial terminal 1800, and thus a detailed description thereof will be omitted.

Referring to FIG. 19, a mode checking unit 1960 for checking whether an operation mode of the financial terminal 1800 is an operation mode for processing an offline withdrawal transaction of an amount deposited in a voucher virtual account. ), And if the voucher card is an IC card, a validity authentication unit 1965 for authenticating a PIN-based IC card validity through the card reader unit 1910, and an information read for reading the voucher card information from the voucher card. Sending (1970), a full text generation unit (1975) for generating a financial means request full text including the voucher card information, and transmits the generated financial means request full text to the financial system through the communication unit 1930, A financial transaction clause is received from a financial system that provides a financial instrument providing a text message corresponding to the request for the financial instrument, and uses the financial instrument information corresponding to the received financial instrument providing text. Provided with a specialized processing unit (1980) for performing it is characterized in that formed.

In addition, when a predetermined financial transaction financial account is selected from the interface screen output through the screen output unit 1915, the financial terminal 1800 processes a predetermined financial transaction corresponding to the financial account for the financial transaction. It is preferable that the information input unit 1985 for receiving the financial transaction information for further comprising, in this case, the full text generation unit 1975 is a financial transaction request full text including the financial account information and financial transaction information for financial transactions Preferably, the professional processing unit 1980 transmits the generated financial transaction request message to the financial system through the communication unit 1930, and the financial transaction response corresponding to the financial transaction request message from the financial system. Receiving a full text and outputting the financial transaction details included in the full text of the financial transaction response through the screen output unit 1915 It is preferred.

The financial terminal 1800 includes a plurality of operation modes, such as a financial transaction mode for processing offline withdrawal transactions of the amount deposited in the voucher virtual account, or a cash withdrawal mode using a cash card (or debit card) according to the present invention. The mode check unit 1960 may determine whether the operation mode of the financial terminal 1800 is a financial transaction mode for processing an offline withdrawal transaction of the amount deposited in the voucher virtual account according to the present invention.

According to an exemplary embodiment of the present invention, the financial terminal 1800 selects an offline withdrawal transaction of the amount deposited in the voucher virtual account according to the present invention among a plurality of operation modes on a basic screen, thereby depositing the voucher virtual account. It is preferable to switch to a financial transaction mode that provides offline withdrawal of the amount.

According to another exemplary embodiment of the present invention, the financial terminal 1800 is offline of the amount deposited in the voucher virtual account according to the present invention after a predetermined voucher card is inserted into the IC card reader. By selecting a withdrawal transaction, it is preferable to switch to a financial transaction mode that provides an offline withdrawal function of the amount deposited in the voucher virtual account.

When the IC card corresponding to the voucher card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit of the card reader unit 1910, the key input unit may be used. In operation 1920, a predetermined PIN is input, and a validity authentication procedure is performed to secure confidentiality, authentication, integrity, and nonrepudiation of the IC card based on the input PIN. When the validity of the IC card is authenticated by the authentication unit 1965, a predetermined financial transaction procedure for offline withdrawal of the amount deposited in the voucher virtual account according to the present invention is normally performed.

According to an embodiment of the present invention, the validity authentication unit 1965 preferably performs a validity authentication procedure for the IC card after a predetermined IC card is inserted into the IC card reader.

According to the exemplary embodiment of the present invention, the validity authentication unit 1965 may switch the operation mode of the financial terminal 1800 to the financial transaction mode after the predetermined IC card is inserted into the IC card reader, or After the operation mode of the financial terminal 1800 is switched to the financial transaction mode, when a predetermined IC card is inserted into the IC card reader, it is preferable to perform a validity authentication procedure for the IC card.

The information reading unit 1970 may read predetermined voucher card information from the voucher card, and the read voucher card information is provided to the full text generation unit 1975.

The full text generation unit 1975 may generate a predetermined financial means request text including the voucher card information read from the voucher card through the information reading unit 1970. In addition to the card information, at least the financial terminal 1800 address information corresponding to the financial terminal 1800 and / or the financial terminal 1800 ID information and / or the financial terminal 1800 manager (or operator) information may be at least included. The financial terminal 1800 may include one or more of the financial terminal 1800 address information and / or the financial terminal 1800 ID information and / or the financial terminal 1800 manager (or operator) information. It is desirable to extract from the financial transaction processing information stored in the memory unit 1955 of the.

The specialized processing unit 1980 transmits the generated financial means request full text to the financial system through the communication unit 1930, and at least one financial means information associated with the voucher card information from the financial system. Waiting for the financial means providing the professional to receive.

If the financial instrument provision text message is received, the specialized processing unit 1980 includes the financial instrument information (for example, a financial account associated with a voucher card) that is matched with the voucher card. And / or financial means information matched with the voucher virtual account ledger information through the voucher card information registered to the financial means providing full text through the information registration system shown in FIGS. 7 and / or 9 (eg, FIG. 1). And / or an account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIG. 4.

If the financial instrument providing text includes financial instrument information (for example, a financial account associated with a voucher card) that matches the voucher card, the specialized processing unit 1980 may provide financial instrument information matching the voucher card. Based on conventional financial transaction procedures (eg, cash withdrawal, bank transfer, utility bill payment, etc.).

Those of ordinary skill in the art to which the present invention pertains may use conventional financial transaction procedures (e.g. cash withdrawal, bank transfer, etc.) through financial means information (e.g., financial accounts associated with voucher cards) that match the voucher card. Since you will be familiar with the technical features of bill payment, etc., the detailed description thereof will be omitted for convenience.

On the other hand, through the voucher card information registered through the information registration system shown in Figs. 7 and / or 9 in the financial means providing full text, the financial means information matched with the voucher virtual account ledger information (eg, the Fig. 1 and / or Or account information corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIG. 4), the expert processor 1980 deposits the financial means information matched with the voucher virtual account ledger information. Perform financial transaction procedures to withdraw money.

Alternatively, financial instrument information (for example, a financial account associated with a voucher card) matched with the voucher card in the financial instrument provision text, and the information registration system shown in FIGS. 7 and / or 9 in the financial instrument provision text. Financial means information matched with the voucher virtual account ledger information through the voucher card information registered through (for example, corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in Figures 1 and / or 4) If the account number) is included, the specialized processing unit 1980 outputs an interface screen for selecting a predetermined transaction target financial means from the financial means information through the screen output unit 1915, and then the key input unit ( If a predetermined transaction target financial means is selected from the financial instrument information through 1920, the selected transaction target financial instrument is associated with the voucher card. Make sure that the financial instruments that are referred to, or vouchers virtual account ledger information matched with the financial means.

Here, if the selected transaction target financial means is a financial means matched with the voucher card, the specialized processing unit 1980 is a conventional financial transaction procedure (for example, cash withdrawal, account) based on the financial means information matching the voucher card Transfer, bill payment, etc.).

Those of ordinary skill in the art to which the present invention pertains may use conventional financial transaction procedures (e.g. cash withdrawal, bank transfer, etc.) through financial means information (e.g., financial accounts associated with voucher cards) that match the voucher card. Since you will be familiar with the technical features of bill payment, etc., the detailed description thereof will be omitted for convenience.

On the other hand, if the selected transaction target financial means is a financial means matched with the voucher virtual account ledger information, the specialized processing unit 1980 withdraws the amount deposited in the financial means information matched with the voucher virtual account ledger information. Perform

According to an embodiment of the present invention, the received financial means providing full financial means includes financial means information matched with the voucher virtual account ledger information, or the financial means for which the transaction target financial means is matched with the voucher virtual account ledger information. When selected, the professional processing unit 1980 inputs an interface screen for inputting a withdrawal amount corresponding to the amount withdrawn through the financial terminal 1800 of the amount deposited in the voucher virtual account through the screen output unit 1915. A financial transaction information input procedure for outputting and receiving a predetermined withdrawal amount through the key input unit 1920 is performed.

If the input of the financial transaction information is completed, the specialized processor 1980 provides the specialized generator 1975 with the financial instrument information matched with the voucher virtual account ledger information and the input withdrawal amount information.

The full text generation unit 1975 generates a full financial transaction request message including the financial instrument information matched with the voucher virtual account ledger information and the inputted withdrawal amount information, and converts the generated full financial transaction request text into the full text processing unit ( 1980).

The specialized processing unit 1980 transmits the generated financial transaction request message to the financial system, and withdraws the withdrawal amount from the voucher virtual account corresponding to the voucher virtual account ledger information from the financial system. Waits for the full financial transaction response message including the financial transaction history to be received.

If a predetermined financial transaction response message including the financial transaction history information is received, the specialized processing unit 1980 extracts financial transaction history information included in the received financial transaction response message, and the extracted financial transaction history information. The information is output through the screen output unit 1915.

According to an embodiment of the present invention, when the received financial transaction response message includes the financial transaction details for withdrawing the withdrawal amount from the voucher virtual account corresponding to the voucher virtual account ledger information, the expert processing unit 1980 ) Releases the cash corresponding to the withdrawal amount to the customer through the cash payment unit 1940 to withdraw.

In addition, the specialized processing unit 1980 may store the financial transaction history information extracted from the received full financial transaction response message in the memory unit 1955 for a predetermined period of time, whereby various additions, such as canceling a previous transaction. The service can be easily provided.

20 is a diagram illustrating a process of offline withdrawal of an amount deposited in a voucher virtual account through a financial terminal 1800 according to an embodiment of the present invention.

More specifically, FIG. 20 uses the voucher card associated with a voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4 to operate the financial terminal 1800 shown in FIG. Withdraw and withdraw the amount deposited in the voucher virtual account through the financial terminal 1800 including at least one Cash Dispenser (CD) and / or an Automatic Teller Machine (ATM) on the system. As for the process, those skilled in the art to which the present invention pertains, various implementations of withdrawing the amount deposited in the voucher virtual account offline with the financial terminal 1800 by referring to and / or modified in this figure 20 The method may be inferred, but the present invention comprises all the inferred implementation methods, and only the implementation method shown in FIG. This technical feature is not limited.

Hereinafter, in FIG. 20, a financial terminal 1800 including a cash dispenser (CD) and / or an automatic teller machine (ATM) shown in FIG. 18 is referred to as a “terminal” for convenience.

Referring to FIG. 20, the terminal reads predetermined voucher card information from the predetermined voucher card through a predetermined card reader (2000).

According to an embodiment of the present invention, if the voucher card is an MS card, the terminal preferably reads predetermined voucher card information provided in the MS track of the voucher card through an MS card reader.

According to another embodiment of the present invention, if the voucher card is an IC card, the terminal performs a PIN-based IC card validity authentication procedure with the IC card reader and the key input device provided in the terminal, and then the IC card validity is determined. In the case of authentication, it is preferable to read predetermined voucher card information from the memory of the IC chip provided in the voucher card through the IC card reader.

Thereafter, the terminal generates a predetermined financial instrument request text including the voucher card information, and transmits the generated financial instrument request text to a financial system through a predetermined financial network (2005). Through the information registration system shown in FIGS. 7 and / or 12, it is checked whether the registered voucher card information exists in association with the voucher card information (2010).

If the registered voucher card information is not confirmed in connection with the voucher card information (2015), the financial system provides a full financial means providing a financial means including information on the financial means matched with the voucher card as shown in FIG. Create and transmit to the terminal.

On the other hand, if the registered voucher card information is processed in association with the voucher card information is confirmed (2015), the financial system is the financial means information (for example, the financial account associated with the voucher card) matched with the voucher card and the confirmed The financial instrument information matching the voucher virtual account ledger information (for example, the account number corresponding to the registered voucher virtual account through the voucher virtual account opening system shown in FIGS. 1 and / or 4) is checked (2020).

According to another embodiment of the present invention, if the voucher card is a voucher virtual account dedicated card matched with the voucher virtual account ledger information, the financial system may match the financial means information (eg, the drawing) with the voucher virtual account ledger information. It is possible to check only the account number corresponding to the registered voucher virtual account through the voucher virtual account opening system shown in 1 and / or 4.

Thereafter, the financial system may include financial instrument information (eg, a financial account associated with the voucher card) and financial instrument information (eg, the figures 1 and / or 4) that match the voucher virtual account ledger information. Generate a financial means providing full text (2025) including the account number corresponding to the registered voucher virtual account through the voucher virtual account opening system shown in (2025), and the generated financial means providing full text through the terminal through the financial network In step 2030.

According to another exemplary embodiment of the present invention, if the voucher card is a voucher virtual account dedicated card matched with the voucher virtual account ledger information, the financial means providing full text is the financial means information (for example, matching the voucher virtual account ledger information). It is possible to include only the account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4.

The terminal that has received the financial means provision text message includes financial means information (eg, a financial account associated with a voucher card) that matches the voucher card included in the financial means provision text message and financial means that match the voucher virtual account ledger information. Outputs an interface screen for selecting a predetermined transaction target financial means among information (for example, an account number corresponding to a voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4); It is checked whether a predetermined target financial means is selected through the interface screen (2035).

According to another exemplary embodiment of the present invention, the voucher card is a voucher virtual account dedicated card matched with the voucher virtual account ledger information, and the financial means information (for example, matching the voucher virtual account ledger information to the financial means provision text) When only the account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4 is included, the process of selecting a financial instrument to be traded is omitted, and the voucher virtual account ledger It is possible that the financial instrument information matching the information is automatically selected as the transaction target financial instrument.

If a predetermined target financial means of the financial means is selected (2040), the terminal determines whether the selected financial means is a financial means (eg, a financial account associated with a voucher card) that matches the voucher card or the voucher. In operation 2045, it is determined whether the financial means matched with the virtual account ledger information (for example, an account number corresponding to the voucher virtual account registered through the voucher virtual account opening system shown in FIGS. 1 and / or 4).

If the selected transaction target financial means is a financial means matched with the voucher card (eg, a financial account associated with the voucher card) (2050), the terminal means the financial means matched with the voucher card as shown in FIG. Perform at least one financial transaction procedure (e.g., cash withdrawal, bank transfer, utility bill payment, etc.) using a financial account associated with the voucher card.

On the other hand, an account number corresponding to a voucher virtual account registered through the voucher virtual account opening system shown in FIG. 1 and / or 4 is matched with the voucher virtual account ledger information. (2050), the terminal outputs an interface screen for inputting predetermined withdrawal amount information including an amount to be withdrawn through the terminal among the amounts deposited in the voucher virtual account corresponding to the transaction target financial means; In operation 2055, it is determined whether predetermined withdrawal amount information is input through the interface screen.

If predetermined withdrawal amount information including an amount to be withdrawn via the terminal among the amounts deposited in the voucher virtual account is input (2060), the terminal receives the transaction target financial instrument information (eg, the voucher virtual account ledger information). And generate a predetermined financial transaction request message including the financial instrument information matched with the information) and the withdrawal amount information (2065), and transmit the generated financial transaction request message to the financial system through the financial network (2070). .

Thereafter, the financial system checks whether the amount corresponding to the withdrawal amount information is deposited in the voucher virtual account corresponding to the transaction target financial instrument information included in the received financial transaction request message (2075).

If the amount corresponding to the withdrawal amount information is not deposited in the voucher virtual account (2080), the financial system includes predetermined financial transaction error information (eg, insufficient balance) corresponding to the financial transaction request information. A financial transaction response message is generated and transmitted to the terminal through the financial network (2082). In response, the terminal outputs financial transaction error information corresponding to the financial transaction response message (2084).

If the amount corresponding to the withdrawal amount information is deposited in the voucher virtual account (2080), the financial system transmits the financial transaction request message (eg, a financial terminal 1800 included in the financial transaction request message). Perform a financial transaction procedure to withdraw a withdrawal amount through a CD / ATM corresponding to address information and / or ID information of the financial terminal 1800 and / or manager (or operator) of the financial terminal 1800 ( 2086).

If the financial transaction procedure is completed (2088), the financial system generates financial transaction history information corresponding to the cash withdrawal through the terminal and records the ledger corresponding to the voucher virtual account (2090). Generate a financial transaction response message including the history information and transmit it to the terminal through the financial network (2092). In response, the terminal outputs the financial transaction history information included in the financial transaction response message, and Through the cash payment function provided in the terminal, the cash corresponding to the withdrawal amount is discharged to the customer and withdrawn to process the withdrawal (2094).

21 is a diagram illustrating a conventional financial transaction procedure using financial means matched with a voucher card according to an embodiment of the present invention.

More specifically, FIG. 21 shows the information of the voucher card information shown in FIGS. 7 and / or 12 during the process of withdrawing money deposited in the voucher virtual account through CD / ATM through the process shown in FIG. If a financial transaction using a financial means matched with the voucher card is not selected through a registration system or linked with a predetermined voucher virtual account, or a customer is selected, the conventional financial transaction procedure using the financial means matched with the voucher card is performed. It's about the process of doing it.

Hereinafter, in FIG. 21, a financial terminal 1800 including a cash dispenser (CD) and / or an automatic teller machine (ATM) shown in FIG. 18 is referred to as a “terminal” for convenience.

Referring to FIG. 21, the voucher card information is transferred through the information registration system shown in FIGS. 7 and / or 12 during the withdrawal of the amount deposited in the voucher virtual account shown in FIG. 20 through CD / ATM. When not associated with a predetermined voucher virtual account, the financial system checks the financial instrument information (eg, the financial account associated with the voucher card) matching the voucher card (2100), and the financial instrument matched with the voucher card. After generating a predetermined financial means providing full text including information (2105), the generated financial means providing full text is transmitted to the terminal through the financial network (2110).

Thereafter, the terminal outputs an interface screen for inputting predetermined financial transaction information on the financial means matched with the voucher card, and predetermined financial transaction information corresponding to the financial means matched with the voucher card through the interface screen. Check whether is input (2115).

According to an embodiment of the present invention, the financial transaction information corresponding to the financial means matched with the voucher card is different depending on the type of financial transaction using the financial means matched with the voucher card, and is generally known in the art. Those skilled in the art will be familiar with each financial transaction information corresponding to the financial transaction type, and thus a detailed description thereof will be omitted for convenience.

If all of the financial transaction information corresponding to the financial means matched with the voucher card is input (2120), the terminal completes a financial transaction request message including the financial means information matching the voucher card and the input financial transaction information. It generates (2125), and transmits the generated financial transaction request full text to the financial system through the financial network (2130).

Thereafter, the financial system processes a predetermined financial transaction based on financial means information and financial transaction information matched with a voucher card included in the full text of the financial transaction request, and predetermined financial transaction history information corresponding to the financial transaction processing. After generating (2135), a predetermined financial transaction response message including the generated financial transaction history information is generated and transmitted to the terminal through the financial network (2140), the terminal corresponding to the financial transaction The financial transaction history information included in the response message is output (2145).

According to the present invention, a welfare fund managed by a given welfare fund operation institution (for example, the Ministry of Health and Welfare and / or each local government) is provided to the welfare fund recipient through a voucher-only payment virtual account. There is an advantage to pay effectively and reliably.

According to the present invention, at least one voucher subject having the voucher-only payment virtual account opened is deposited in the voucher virtual account through a financial terminal including a CD / ATM through a voucher card associated with the voucher-only payment virtual account. There is an advantage to withdraw money.

Claims (1)

Customer-paid virtual account-virtual account using the account of the payment amount operator (or payment amount operation related person) as the parent account- information, the mother account information of the payment virtual account and the customer card information associated with the payment virtual account is stored and linked Storage media; A financial automatic device for reading the customer card information and transmitting the read customer card information and a predetermined amount of money withdrawal (or transfer) transaction request information; And After confirming the payment virtual account information and the mother account information of the payment virtual account linked to the customer card information transmitted by the automatic teller machine in connection with the storage medium (or storage medium operating means), the mother account of the confirmed payment virtual account Withdrawal (or transfer) transaction processing system using a payment virtual account, characterized in that comprises ;; financial transaction processing means for performing a withdrawal (or transfer) transaction corresponding to the withdrawal (or transfer) transaction request.

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