KR20090007542A - System for processing bill(or account) by using affiliated store account - Google Patents

Abstract

A system for processing bills with a member shop account is provided to enable a businessman to keep no paper bill or tax receipt, and process tax reporting conveniently by making/transmitting the bill through a bankbook management interface. A ledger database(135) stores transaction log, credit card sale and reception management information, bill management and delivery information, slip management and issuance information, and accountant business management information. An interface provider(105) makes and transmits a bill to a member shop terminal based on the transaction log, the credit card sale and reception management information. An information receiver(115) receives bill writing information and billed customer information from the member shop terminal through the user interface.

Description

System for Processing Bill (or Account) by Using Affiliated Store Account}

1 is a diagram illustrating an e-Loss Bank issuing system for issuing and managing a bill (or bill) of a small and medium-sized store according to an embodiment of the present invention.

2A and 2B are diagrams illustrating the ledger information configuration including e-book account service information according to an embodiment of the present invention.

3 is a diagram illustrating a process of issuing an e-book account according to one embodiment of the present invention.

FIG. 4 is a diagram illustrating an e-Loss Bank issuing system for issuing and managing a bill (or bill) of a small store in accordance with another embodiment of the present invention.

5 is a diagram illustrating a process of issuing an e-book account according to another embodiment of the present invention.

6 is a diagram illustrating a customer information registration system for issuing and managing a bill (or invoice) of a small and medium-sized store according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of registering account information for issuing and managing a bill (or invoice) of a small and medium shop according to an exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a system configuration for issuing and managing a bill (or invoice) for a predetermined account by an e-Loss Bank issuing customer connected to a financial institution through Internet banking according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

10A and 10B illustrate a bill (or invoice) for a predetermined account, or a tax issued from the account by an e-Lower issuing customer connected to a financial institution through Internet banking according to an exemplary embodiment of the present invention. A diagram illustrating a process of confirming a bill.

11 is a view showing a tax invoice issuing web page according to an embodiment of the present invention.

12A and 12B illustrate a tax invoice input / confirmation web page according to an embodiment of the present invention.

13 is a diagram illustrating a management web page such as a bill according to an embodiment of the present invention.

14 is a diagram illustrating a monthly tax invoice management webpage according to an embodiment of the present invention.

<Description of main parts of drawing>

100: bankbook issuance server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: Bank book issuer 135: Ledger D / B

The present invention, transaction log record information including transaction information for each entry and withdrawal amount for the entry / withdrawal transaction of the merchant account in the account entry information stored in the ledger corresponding to the merchant account, payment approval and purchase of the slip through the credit card Credit card sales and settlement account management information to manage the billing, billing management and shipping information to manage the billing / sending of the merchant bills, bill management and issuing information to handle the billing of merchants, accounting offices affiliated with merchants and An information registration means configured to include one or more accounting office-related business management information for managing information items to be provided to the accounting office for accounting settlement, and the account entry information corresponding to the merchant account to the merchant terminal; Based on transaction log history and credit card sales and payment management information, Or an interface providing means for providing a user interface for creating and transmitting a tax invoice, and at least one bill (or tax invoice) entry information and a billing object (or issuing a tax invoice) created from the merchant terminal through the user interface. Subject) The information receiving means for receiving customer information (or account information) and the created bill (or tax invoice) information is processed in association with the billing target (or tax invoice issuing) customer information (or account information). It relates to a bill (or bill) processing system using a merchant account including information processing means for processing to be stored in billing management and shipping information (or bill management and issuance information) of the bank entry information stored in the ledger.

* The term SOHO is a new coin that has emerged with recent global changes. It is a new type of business that is already common in developed countries such as the United States and Japan. It refers to various projects that small-scale personnel use in their homes made possible by the development of information and communication such as computers and the Internet using networks such as PC communication and the Internet.

These SOHOs are attracting attention as a new group of experts in Korea due to the overlapping social environment such as weight management with the development of the Internet and computer networks. The background of this change is the flow of 'information society' that has emerged strongly around us since the late 80s. This information society refers to a system in which information exchange is a major economic and social activity in a society.

The information society based on information technology and information manpower is rapidly changing our lives by the development of computer business, information service industry, software industry and knowledge industry. In Korea, the small business, which operates with small capital of around 50 million won, is called Soho. Soho boom is a global trend.

In addition, due to the rapid spread of the Internet and the development of information and communication technology, occupations that are able to do enough work using only computer communication networks such as e-mail and database without going to work are increasing.

On the other hand, these SOHO operators do not have special financial or accounting departments like general SMEs or large corporations, so it is not easy to manage the sales or collection of revenues. Management programs are being launched, but the payment for sales was inconvenient to look up the transaction details of the bank account.

In addition, invoices and tax invoices must be prepared and provided to the trading company, which must also be kept and sent to the accounting office for accounting.

An object of the present invention for solving the above problems, transaction log record information including transaction information for each deposit / withdrawal amount for the entry / withdrawal transaction of the merchant account in the account entry information stored in the ledger corresponding to the merchant account, Credit card sales and settlement account management information, which manages payment approval and purchase of documents through credit card, bill management and dispatch information that manages the sending / receiving of invoices of merchants, billing management and issuing information that handles billing of merchants Information registration means configured to record at least one accounting office affiliated with affiliated stores and accounting office linked business management information for managing information items to be provided to the accounting office for accounting settlement; and the merchant account as a terminal of the merchant. Transaction log record information and credit card sales and settlement Interface providing means for providing a user interface for creating and transmitting a bill (or tax invoice) based on the gold management information, and one or more bill (or tax invoice) entry information written through the user interface from the terminal of the merchant And the information receiving means for receiving the billing target (or tax bill issuing) customer information (or account information) and the created billing (or tax bill) information from the billing target (or tax bill issuing object) customer information ( Or billing information (or bills) using a merchant account, including information processing means for processing to be stored in billing management and shipping information (or bill management and issuing information) of the bank account entry information stored in the ledger in association with the account information). ) Provides a processing system.

Invoice (or bill) processing system using a merchant account according to the present invention, the bank account entry information stored in the ledger corresponding to the merchant account includes the transaction information for each deposit / withdrawal amount for the entry / withdrawal transaction of the merchant account; Transaction log record information, credit card sales and settlement account management information that manages payment approval and purchase of documents through credit card, billing management and shipment information that manages sending / receiving billing of merchants, and issuing bills of merchants Information registration means configured to record one or more of the account management and issuance information, accounting offices affiliated with merchants and information items to be provided to the accounting offices for accounting settlement, including at least one management information associated with the accounting offices; Transaction log record information included in the passbook entry information corresponding to the merchant account to the terminal And interface providing means for providing a user interface for creating and transmitting a bill (or tax invoice) based on credit card sales and payment management information, and one or more bills created through the user interface from the terminal of the merchant ( Or a tax invoice) entry information and a billing object (or a tax invoice issuing object) information receiving means for receiving customer information (or account information) and the created billing (or tax invoice) information to the billing object (or tax invoice) Issuance target) comprising information processing means for processing to be stored in the bill management and shipping information (or bill management and issuing information) of the bank account entry information stored in the ledger by processing in association with the customer information (or account information) It features.

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 properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

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

1 is a diagram illustrating an e-book account issuing system for issuing and managing a bill (or bill) of a small and medium-sized store according to an embodiment of the present invention.

More specifically, in Figure 1, a predetermined customer (eg, a shop owner or a business owner) issues and manages a bill (or bill) of a store according to the present invention with an e-book pass issuing system through a predetermined e-book pass issue interface. When providing the e-Loss Banking issuing information for the, the e-Loss Banking issuing system in the system configuration for issuing the e-Loss Banking in accordance with the present invention to the customer based on the provided e-Loss Banking issuing information For those of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring an e-book account issuing system for issuing and managing a bill (or invoice) of a store by referring to or modifying the drawing 1 are described. It may be inferred that, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. .

Hereinafter, on the e-book account issuing system shown in FIG. 1, the customer is based on the e-book book issuing application information provided from the customer (eg, the shop owner or the business owner) through a predetermined e-book book issuing interface. The component corresponding to at least one or more means or functional configuration for issuing an e-Lower account according to the present invention is referred to as "passbook issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an e-book account issuing system for issuing and managing a bill (or invoice) of a store according to the present invention is an employee used by a teller provided with at least one financial institution. Characterized in that it comprises a terminal, wherein the employee terminal is connected to the communication channel and the e-book account issuing server provided on the e-book account issuing system through a predetermined network means.

According to one embodiment of the present invention, the customer (eg, shop owner or business owner) visits the financial institution for issuing and managing the bill (or invoice) of the store according to the present invention and opens a window provided at the financial institution. At least one item of information for issuing and managing a predetermined e-Lower issuance application (e.g., a store's bill (or invoice)) for issuing and managing the store's bill (or invoice) A document with a form for filling in) (or the teller visits the customer and asks the customer to submit an application for issuing a predetermined e-book account for issuing and managing the store's bill (or invoice)). And submit the completed e-Loss Bankbook issuance application form to the teller staff, the teller staff selects the e-socket through a predetermined employee terminal. The information entered in the bank account issuance application is input (or selected), and the employee terminal transmits the entered (or selected) information through the network means on the e-Los Bank account issuing system. It is desirable to send to.

According to another exemplary embodiment of the present invention, the customer (for example, a shop owner or a business owner) is a predetermined information input device (for example, a predetermined screen output device) associated with the employee terminal (or a window terminal). And outputting an information input interface screen including an e-social bankbook issuance request information input item and inputting predetermined information to an information input item corresponding to the information input interface through a predetermined key input device. Terminal) to input the customer information and e-Lounge issuing application information can be provided to the employee terminal (or teller terminal), whereby the present invention is not limited.

Preferably, the employee terminal includes a teller terminal used by a teller employee provided in the financial institution, and the e-social account issuing server connected to the employee terminal includes a ledger server provided on the predetermined financial system. Preferably, the network means for connecting the employee terminal and the e-book account issuing server includes a financial network (e.g., a bank network) for connecting a communication channel between the employee terminal and the e-book account issuing server. It is preferable to make.

In the system for issuing e-books as described above, an application form for issuing e-books created by the customer (for example, a shop owner or a business owner), an employee terminal used by the teller, the employee terminal, and the e-book account book. The financial network connecting the issuing server performs the function of the e-Loss Bank issuing interface for registering the e-Loss Bank issuing application information for the customer to issue and manage the bill (or invoice) of the store according to the present invention.

A financial institution that issues an e-Lounge account to the customer (eg, a store owner or business owner) may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction customers. It is characterized by having a predetermined financial system for.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or headquarters or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Through the counter terminal, it provides face-to-face financial transaction services to at least one financial transaction customer (eg, shop owner or business owner).

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or a headquarter or a branch) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer (eg, a shop owner or a business owner).

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers (eg, shop owners or business owners) through a PDA (Personal Digital Assistant) or a smart phone or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or at least one financial transaction customer (eg, a store owner) through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex-based wireless data communication network. It provides IC chip based non-face-to-face financial transaction service to business owners.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to the above-mentioned wired communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)). Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer (eg, a store owner or a business owner).

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 or refrigerator connected to a home network) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service is provided to at least one financial transaction customer (eg, a shop owner or a business owner).

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 The non-face-to-face financial transaction service is provided to at least one financial transaction customer (eg, a shop owner or a business owner) through a terrestrial DMB terminal.

Referring to FIG. 1, the financial system opens at least one financial account to at least one financial transaction customer (eg, a shop owner or a business owner) and provides at least one financial transaction service based on the financial account book. It is a computer system provided to financial institutions, which is an accounting system that handles window services such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), processing of headquarters operations, branch information support and customer information management. 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.) Access to a financial system, or the external system that provides a variety of financial transaction interfaces through at least one or more common networks (eg, CD common network, financial common network), the financial system is the financial system An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, customer information, management information, etc.) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one or more databases for storing and managing information).

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to at least one or more financial transaction customers (eg, shop owners or business owners), at least one based on the financial account And a ledger D / B 135 on a financial system that stores at least one ledger for providing the above financial transaction service, wherein the ledger D / B 135 on the financial system includes: At least one or more ledger information (eg, a customer ledger, a reception ledger, a collateral ledger, etc.) for processing at least one or more financial transactions to be provided to the financial transaction customer, and corresponding to each ledger information (eg, attributes / functions of each ledger) At least one additional ledger additional information, which is more specific or complementary to It is characterized by that.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 135 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are related. Since it will be understood that the stored processing is linked, a detailed description thereof will be omitted for convenience.

The e-social bankbook issuing server provided on the e-social bankbook issuing system according to the present invention is a generic term for the e-social bankbook issuing system side components connected to the bankbook issuing terminal and a predetermined network means, and It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the e-book account issuing server is characterized in that it comprises an interface unit 105 for providing a predetermined e-book account issuing interface to the bank account issuing terminal through the network means. .

According to an embodiment of the present invention, when the bankbook issuing terminal is an employee terminal connected to a predetermined financial network, the interface unit 105 communicates with the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a channel and using a communication protocol defined in an e-book account issuance application program provided in the employee terminal.

Referring to Figure 1, the e-book account issuing server, when a predetermined bankbook issuing terminal is connected to the e-book account issuing server through the interface unit 105, the bankbook in conjunction with the interface unit 105 An interface providing unit 110 for generating (or extracting) a predetermined user interface for the issuing terminal to input (or selecting) and transmitting predetermined e-social account issuing application information to the bankbook issuing terminal, and the interface; An information receiving unit 115 for receiving predetermined e-signbook issuance request information transmitted from the bankbook issuing terminal through the user interface in connection with the unit 105, and the received e-signal Generating information for generating predetermined e-Loty Bankbook information corresponding to the e-Lo Bankbook to be issued to the customer (eg, shop owner or business owner) based on the bankbook issuing application information. And an information storage unit for storing the e-Losing ledger information corresponding to the e-Losing bankbook issued to the customer (eg, a shop owner or a business owner) in the ledger D / B 135 on the financial system. It is characterized by comprising (120).

According to an embodiment of the present invention, the e-book account issuing server, through a predetermined e-book account issuing device, a predetermined e-sign book including the e-book account information (e.g., real bank account / card) It may be configured to further include a bank account issuing unit 130 for issuing.

The interface providing unit 110, when a predetermined bankbook issuing terminal is connected to the e-social bankbook issuing server through the interface unit 105, corresponding to the functional configuration provided in the bankbook issuing terminal corresponding to the e-book Generate a predetermined user interface capable of inputting (or selecting) issuing application information and transmitting it to the e-book account issuing server via the network means, or extracting from a predetermined database (not shown), and extracting the interface unit ( And the user interface generated (or extracted) in conjunction with 105) to the bankbook issuing terminal through the network means.

Thereafter, the bankbook issuing terminal inputs (or selects) the e-Lounge issuing application information based on the user interface, and the bankbook issuing application information is input (or selected) through the network means. Send to server 100.

According to an embodiment of the present invention, when the bankbook issuing terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined e-Lossing bank issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined e-social passbook issuing application information through the user interface from the bank issuing terminal and transmits it through the network means. Characterized in that the e-Loss Bank issuing application information is received, the received e-Loss Bank issuing application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the e-Loss Banking issuing application information may include the store information, the shop owner information, and the merchant registration information to issue the e-Losing Bankbook, and also according to the present invention. It may further comprise at least one or more additional information for the operation and management of the bank account.

Here, the store information may include at least one of a business name, a business registration number, an address, a business status, an item, a business start date, and store contact information.

The shop owner information may include at least one of a shop owner name, a shop owner social security number, a shop owner address, and shop owner contact information.

The affiliated store registration information may include at least one card company information registered by the store as an affiliated store and at least one affiliated store number information assigned to each corresponding card company.

In addition, the additional information for operating the e-book account, accounting office information (for example, accounting office business registration number, corporate registration number, address, contact information, etc.) associated with the store, and bill payment information (eg, utility bills automatic) Transfer application information, etc.).

According to another exemplary embodiment of the present invention, the shop information, the shop owner information, the merchant registration information, and the additional information included in the e-Loss Bank issuing application information are registered, modified after the e-Los Bankbook is issued. , Addition, etc. may be possible.

According to another embodiment of the present invention, the customer (eg, shop owner or business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system and is linked to the financial account. In order to obtain an e-Loss Bankbook (for example, a virtual account or an OA account), the e-Loss Bank issuing application information may include the previously issued financial account information (for example, a real account number). It can be configured to include more.

The information generating unit 125 corresponds to the customer financial account corresponding to the customer financial account to the customer (for example, the store owner or the business owner) based on the e-Loss Bank issuing application information received through the information receiving unit 115. Characterized by generating the SOHO passbook information, the e-SOHO passbook information may include a store name, affiliated store number, deposit type, new date, issue date and electronic passbook number.

According to an embodiment of the present invention, when the e-social bankbook information corresponding to the e-social bankbook requested by the information generating unit 125 is generated, when the e-social bankbook is a real account, the bankbook Issuing unit 130 is characterized in that for producing an e-book (including the store account information in the shop account book) containing the e-book account information through a predetermined book issuing device, the e- LoHo may be provided (or shipped) to the customer (eg, shop owner or business owner).

If the e-book is an IC (Integrated Circuit) card, the passbook issuing device comprises a device for recording the e-book passbook information in the memory provided in the IC chip of the e-book, At this time, the information generation unit 125 generates the e-soho account information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, the bank account issuing unit 130 is issued By recording the e-book account information in the memory of the IC chip through a device, it is possible to issue an e-book account according to the present invention.

The e-book account created as described above may be provided to the customer (for example, a shop owner or business owner, etc.) or may be delivered to the customer according to a predetermined bankbook providing procedure, and the customer may then e -You can use the e-book pass through the account book operating system.

Thereafter, the information storage unit 120 is based on the e-Loss Bank issuing application information and the e-Loss Bank account information received from the customer (eg, shop owner or business owner) through the information receiving unit 115 Storing the ledger information for the e-Loss Bankbook in the form of additional information of the e-Loss Banking Ledger (or Receiving Ledger) corresponding to the financial account associated with the e-Losing Bankbook on the Ledger D / B 135 on the financial system. It is characterized by.

Here, the e-Lower ledger information may correspond to an e-Lower ledger corresponding to a financial account associated with the e-Lowered account on the ledger D / B 135 on the financial system among the e-Lowered account information. And at least one information item to be stored in the form of additional information of a reception ledger).

2A and 2B illustrate a ledger information structure including e-book account service information according to an embodiment of the present invention.

In more detail, Figures 2a and 2b, when opening a customer's financial account (for example, a store owner or a business owner) according to a predetermined financial account opening procedure, when the customer is issued an e-Loss passbook according to the present invention, The structure of the ledger information including the e-book account service information in an account ledger (or a reception ledger) corresponding to an account opened to a customer. Specifically, FIG. 2A illustrates an account ledger of the ledger D / B 135. The present invention relates to a method of implementing e-social bankbook service information for providing an e-social bankbook service according to the present invention, and FIG. 2b is a predetermined method associated with an account ledger of the ledger D / B 135. The present invention relates to an implementation method including e-book account service information.

2A and 2B, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one information associated with the account ledger. In the technical field to which the present invention pertains, the general ledger D / B 135 provided in the DBMS on the financial system includes at least one ledger (eg, loans) in addition to the illustrated customer ledger and account ledger. General ledger, collateral ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers will be clearly understood, and the specific technical matters will be understood. Description is omitted for convenience.

In addition, those skilled in the art to which the present invention belongs, e-Lounge passbook according to the present invention by referring to or modifying the drawings 2a and 2b without departing from the core technical matters of the present invention. Various implementation methods for providing a service may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

Referring to FIGS. 2A and 2B, the customer ledger generally includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a regional identification code, a telephone number, and a business place. No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

Referring to FIG. 2A, an account ledger corresponding to a customer financial account opened to an account ledger (eg, a customer (for example, a store owner or a business owner)) associated with the customer ledger for providing an e-book account service according to the present invention. E) a predetermined number of e-book account service information.

According to one embodiment of the present invention, the e-Lounge Bank service information includes transaction log record information, credit card sales and settlement payment management information, billing management and dispatch information, bill management and issuance information, and accounting. Office linked business management information, receivables securitization information, and bill payment information is characterized in that it comprises at least one.

Here, the transaction log record information is extended to the transaction history of the e-book (according to the additional extension (secondary expansion)), according to the present invention, the e-book (or e-book) It is automatically recorded (or can be recorded directly by the customer (for example, shop owner or business owner)) when the entry and withdrawal of the real account), the transaction log record information, the back for accounting settlement processing It is characterized by being used as data.

For example, the extended transaction history information records the credit card settlement deposit portion as the first record as the settlement settlement payment on December 10, and the additional expansion information may be a list of approval cases for the settlement settlement. Can be.

* The credit card sales and settlement payment management information, characterized in that the settlement request information and the management information about the amount of payment for each card company that the store has signed a merchant contract.

For example, the customer (for example, the shop owner or the business owner) may access the server through banking and refer to the credit card sales and settlement payment management information to facilitate the deposit amount management.

The billing management and dispatch information, the customer (for example, the shop owner or business owner) to create a bill and send it by e-mail, and also characterized in that the management and shipping information for the created billing is recorded do.

For example, the created bill may be provided in connection with billing information in connection with another customer's e-book.

The bill management and issuance information is characterized in that the information on the issuance and management of the electronic tax invoice is recorded, and further information on the monthly bill issuance count and purchase bill registration and management can be further recorded.

For example, the tax invoice issuance and management information recorded in the bill management and issuance information may be periodically registered by the customer (for example, a shop owner or a business owner) when applying for (e. With reference to, may be provided to the accountant office.

The accounting office linked business management information, when the customer (e.g., the shop owner or the business owner) requests for issuance of an e-book account (or after application), predetermined information (e.g. issuing and sending a tax invoice) is sent to the registered accounting office. Information, etc.).

Here, according to one embodiment of the present invention, it is preferable that the accounting office has a separate account (for example, a paid account for the accounting business processing of the store).

The receivables securitization information is characterized in that when the customer (eg, shop owner or business owner) applies for securitization of the receivables, the securitization details are recorded.

For example, when the customer (for example, a store owner or a business owner) applies for a securitization of the trade receivable, the e-soho bank issuing financial institution (for example, a bank, etc.) receives a deposit from the credit card company, and advances funds. It may be provided to the customer in the form of a short-term loan, wherein the securitization history may be recorded in the receivables securitization information.

The bill payment information, the customer (e.g. shop owner or business owner, etc.) when applying (or after application) issuing an e-book account, the application for payment of a predetermined utility bill (e.g. insurance, muscle tax, corporate tax, VAT, etc.) If so, characterized in that the details of the bill payment is recorded.

Referring to Figure 2b, in order to provide the e-book account service according to the present invention predetermined e-book account service information is linked to the account ledger (for example, the account ledger corresponding to the customer financial account opened to the customer) Characterized in that it is stored.

In FIG. 2b, the e-Lounge Bank service information includes transaction log record information, credit card sales and settlement account management information, billing management and dispatch information, bill management and issuance information, accounting office linked business management information, and the like. It comprises, at least one account receivables securitization information, and utility bill payment information.

In addition, the e-book account service information may further include at least one or more account number, CIF number, bank account number, issue date, account balance.

As described above in FIG. 2A, the transaction log record information expands (e.g., includes, an additional extension (secondary extension)) the transaction history of the e-book, according to the present invention, or the e-book (or It is characterized in that automatically recorded (or can be directly recorded by the customer (for example, the store owner or business owner)) when the entry and withdrawal of the real account associated with the e-book, and the transaction log record information is It can be used as back data for accounting settlement.

For example, the extended transaction history information records the credit card settlement deposit portion as the first record as the settlement settlement payment on December 10, and the additional expansion information may be a list of approval cases for the settlement settlement. Can be.

The credit card sales and settlement payment management information, characterized in that the information on the management of the settlement request counting information and the amount of payment for each card company that the store has signed a merchant contract.

For example, the customer (for example, the shop owner or the business owner) may access the server through banking and refer to the credit card sales and settlement payment management information to facilitate the deposit amount management.

The billing management and dispatch information, the customer (for example, the shop owner or business owner) to create a bill and send it by e-mail, and also characterized in that the management and shipping information for the created billing is recorded do.

For example, the created bill may be provided in connection with billing information in connection with another customer's e-book.

The bill management and issuance information is characterized in that the information on the issuance and management of the electronic tax invoice is recorded, and further information on the monthly bill issuance count and purchase bill registration and management can be further recorded.

For example, the tax invoice issuance and management information recorded in the bill management and issuance information may be periodically registered by the customer (for example, a shop owner or a business owner) when applying for (e. With reference to, may be provided to the accounting office.

The accounting office linked business management information, when the customer (e.g., the shop owner or the business owner) requests for issuance of an e-book account (or after application), predetermined information (e.g. issuing and sending a tax invoice) is sent to the registered accounting office. Information) is recorded.

Here, according to one embodiment of the present invention, it is preferable that the accounting office has a separate account (eg, a paid account for accounting business processing of the store).

The receivables securitization information is characterized in that when the customer (eg, shop owner or business owner) applies for securitization of the receivables, the securitization details are recorded.

For example, when the customer (for example, a store owner or a business owner) applies for a securitization of the trade receivable, the e-soho bank issuing financial institution (for example, a bank, etc.) receives a deposit from the credit card company, and advances funds. It may be provided to the customer in the form of a short-term loan, wherein the securitization history may be recorded in the receivables securitization information.

The bill payment information, the customer (e.g. shop owner or business owner, etc.) when applying (or after application) issuing an e-book account, the application for payment of a predetermined utility bill (e.g. insurance, muscle tax, corporate tax, VAT, etc.) If so, characterized in that for recording the details of the utility bill payment.

3 is a diagram illustrating an e-book account issuing process according to an embodiment of the present invention.

In more detail, Figure 3 shows that a predetermined customer (e.g., a shop owner or business owner) in the e-book account issuing system shown in FIG. If the e-book pass issuance application information to the electronic passbook issuance server 100 through the employee terminal and network means), the e-book pass issuance application information is based on the e-book pass issuance server 100; Regarding the process of issuing a predetermined e-book, the person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 3 to obtain and manage a bill (or bill) of a store. Various implementation methods for issuing an e-book may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. The.

For example, this figure 3 may be provided (or delivered) to the customer (e.g., shop owner or business owner) by producing the e-book, and then the ledger D / B on the financial system as shown in Figures 2a and 2b. Although it is illustrated and described as storing the predetermined e-Lower ledger information in the 135, the predetermined e-Lower ledger information is stored in the ledger D / B 135 on the financial system according to the intention of the skilled person. The process may be performed before producing the e-book, or before it is provided (or shipped) to the customer after the e-book is produced, and the present invention is not limited thereto.

Hereinafter, in FIG. 3, the bankbook issuing terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the bankbook issuing server 100 is referred to as "server" for convenience.

Referring to Figure 3, the customer (e.g., shop owner or business owner, etc.) who wants to be issued an e-book account according to the present invention for issuing and managing the bill (or invoice) of the shop, a predetermined e-book account issuance interface After filling out a predetermined e-Loss Bankbook issuance application form including a predetermined e-Loss Bankbook issuing application information, and provides the e-Loss Bankbook issuing application information to the server through a predetermined e-Loss Bankbook issuing interface. (300).

Here, the e-Loss Bank issuing interface is an e-Loss Bank issuing application prepared by the customer (for example, a shop owner or a business owner), an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. It is preferable to comprise a.

In addition, the e-Loss Bank issuing application information provided to the server through the e-Loss Bank issuing interface is the merchant information to receive the e-Loss Bankbook, and the financial account information (or to be associated with the e-Loss Bankbook) Virtual account information).

When the predetermined e-Loss Bank issuing application information is received through the e-Loss Bank issuing interface, the server reads the received e-Loss Bank issuing application information to the customer (eg, a store owner or a business owner). The validity of the e-Loty Pass can be issued (305).

Here, the e-Loss Bank issuance validity check is to confirm whether the merchant information included in the e-Loss Bank issuing application information is a valid merchant, and the financial account information included in the e-Loss Bank issuing application information is the financial It may be made to include at least one or more that is already provided in the ledger D / B 135 on the system.

According to an embodiment of the present invention, when the ledger D / B 135 on the financial system does not have a financial account (eg, a real account) to be associated with the e-Lounge bank account, the server checks the e- A new financial account issuance procedure to be linked with LoHo may be further performed, and the present invention is not limited thereto.

If the validity for issuing the e-Loss account to the customer (eg, a shop owner or a business owner) is not authenticated through the e-Loss Bank issuing application information (310), the server issues the e-Loss Bank account. Providing the e-Lossing issuing error information to the customer through an interface (315), and issuing the e-Lossing bankbook to the customer.

If the validity for issuing the e-Loss Bankbook to the customer (eg, shop owner or business owner) is authenticated through the e-Loss Bank issuing application information (310), the server sends the e-Loss Bank issuing information. On the basis of the predetermined e-book account information corresponding to the e-book account to be issued to the customer based on 320.

Here, the e-soho account information includes the bank account basic information including the merchant name, merchant number, deposit type, new date, issue date and bankbook number, at least one document approval date and time, the document approval content, the document approval amount, the document number, payment Payment authorization related to payment approval including at least one approval number, etc., and related to the purchase of documents including at least one of the date and time of purchase of the documents, the contents of purchase of the documents, the amount of purchase of the documents, the number of the documents and the number of purchase of documents. It is preferable to include at least one bank account entry information.

According to one embodiment of the present invention, if the e-book is an IC card, the generated e-book account information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip desirable.

According to another exemplary embodiment of the present invention, if the e-book is a paper book corresponding to a real account, the generated e-book book information may include a data structure printable on the paper book form.

Thereafter, the server generates a predetermined e-book with the e-book book information through a predetermined e-book book issuing device to provide (or deliver) to the customer (for example, a shop owner or a business owner). May be 325.

According to an embodiment of the present invention, if the e-book is an IC card, the passbook issuing device comprises an apparatus for recording the e-book passbook information in a memory provided in the IC chip of the e-book. It is preferable.

Subsequently, the server uses the e-social bankbook issuing information and the e-social bankbook information provided from the customer (for example, a shop owner or a business owner) through the shop bank issuing interface for a predetermined e-book. Ledger information is generated (330), and the e-Lounge ledger information is stored in the ledger D / B 135 on the financial system (335).

Here, the ledger information for the e-book account corresponds to the financial account associated with the e-book on the ledger D / B 135 on the financial system of the e-book book information as shown in Figures 2a and 2b It is preferable that the at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger).

According to an embodiment of the present invention, the ledger D / B 135 on the banking system is preferably provided in the DBMS on the banking system provided on the bank account issuing system (or associated with the bank account issuing system).

4 is a diagram illustrating an e-book account issuing system for issuing and managing a bill (or invoice) of a small-sized store in accordance with another embodiment of the present invention.

In more detail, Figure 4 shows that a given customer (eg, a shop owner or a business owner) issues and manages a bill (or bill) of a store according to the present invention with an e-book account issuing system through a predetermined e-book pass issue interface. When providing the e-Loss Banking issuing information for the, the e-Loss Banking issuing system in the system configuration for issuing the e-Loss Banking in accordance with the present invention to the customer based on the provided e-Loss Banking issuing information For those of ordinary skill in the art to which the present invention pertains, various implementation methods for issuing and managing an e-book account issuing system for issuing and managing a bill (or invoice) of a store by referring to or modifying the drawing 4 are described. It can be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. .

Hereinafter, the customer based on the e-Loss issuing application information provided from the customer (eg, shop owner or business owner) through a predetermined e-Loss Bank issuing interface on the e-Loss Bank issuing system shown in FIG. 4. The component corresponding to at least one or more means or functional configuration for issuing an e-book account according to the present invention is referred to as "bankbook issuing server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, an e-book account issuing system for issuing and managing a bill (or bill) of a store according to the present invention is characterized in that the e-book account issuing system is a non-face-to-face method. In the case of supporting an application for issuing an e-book, the client terminal may include a client terminal including at least one wired terminal or a wireless terminal used by the customer (eg, a shop owner or a business owner). A communication channel is connected to a bankbook issuing server 400 provided on the e-book account issuing system through a network means.

According to an embodiment of the present invention, when the e-Loss Bank issuing system supports a non-face-to-face e-Loss Bank issuing application, the customer (eg, shop owner or business owner) is wired connected to a predetermined wired network. According to the present invention, the terminal is connected to the bankbook issuing server 400 through at least one client terminal of a terminal or a wireless terminal connected to a predetermined wireless communication network, and at least one user interface provided by the bankbook issuing server 400 is provided. Entering (or selecting) e-Loss Bank issuing information for issuing and managing a bill (or invoice) of a store, the client terminal is provided on the e-Loss Bank issuing system through a predetermined network means. It is preferable to transmit to the issuing server 400.

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

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

In addition, the client terminal outputs at least one or more user interfaces provided by the bankbook issuing server 400, and inputs or selects at least one or more information through the user interface to transmit to the bankbook issuing server 400. 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 bankbook issuing server 400, etc.) is provided.

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

In the shop account issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer (for example, a shop owner or a business owner) is connected to the client terminal and the bankbook issuing server 400. The at least one wired or wireless network performs the function of an e-Lossing Bank issuing interface for the customer to register e-Loss Banking issuing information for issuing and managing a bill (or bill) of a store according to the present invention. Do.

According to another embodiment of the present invention, when the e-book account issuance system supports an application for issuing a non-face-to-face e-book account issuance, the bank account issuing terminal 435, in addition to the client terminal, a predetermined financial It further comprises a automated teller machine (not shown) including a cash automatic teller machine (ATM) and a cash dispenser (CD) connected to a network (for example, a financial common network), or predetermined It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network, or a wireless telephone network such as a mobile communication network or a wireless VoIP network. It further comprises a predetermined call terminal (not shown) connected to, or further comprises a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. It may include, but the invention is not limited thereto.

In the case of supporting a non-face-to-face e-soho account issuance application, when the bankbook issuing terminal 435 is the financial automated device (not shown), the financial automated device (not shown) and the financial The financial network connecting the automated device (not shown) and the electronic bankbook issuance server 400 is an e-significant for the customer (eg, shop owner or business owner) to issue and manage the bill (or invoice) of the shop of the present invention. Performs the function of the e-soho bankbook issuing interface for registering the bankbook issuing application information, or when the bankbook issuing terminal 435 is the call terminal (not shown), the call terminal (not shown) and the call terminal (Not shown) and the wired telephone network or the wireless telephone network connecting the electronic bankbook issuing server 400 issuing an e-book account for the customer to issue and manage the bill (or invoice) of the store in accordance with the present invention. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is the bankbook issuing terminal 435, to perform the function of an e-social bankbook issuing interface for registering office information. The network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the electronic bankbook issuing server 400 is provided by the customer according to the present invention. Performs the function of the e-book account issuing interface for registering the e-book pass application information for management.

A financial institution that issues an e-Lounge account to the customer (eg, a store owner or business owner) may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction customers. It is characterized by having a predetermined financial system for.

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

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 4, the financial system issues at least one financial account to at least one financial transaction customer (eg, a shop owner or a business owner) and provides at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions, which is responsible for handling accounting services such as credits, receiving or trusts or foreign exchanges occurring at one or more branches (or counters), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided in the information system to be processed and interconnected between the financial system and at least one other financial system (or payment system), or at least one external communication network. , IC chip based wireless banking, tele banking, TV banking, etc.) Access to a financial system, or the external system that provides a variety of financial transaction interfaces through at least one or more common networks (eg, CD common network, financial common network), the financial system is the financial system An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, customer information, 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 (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system, the financial institution issues at least one financial electronic bankbook to at least one financial transaction customer, and provides at least one financial transaction service based on the financial electronic bankbook. And a ledger D / B 135 on a financial system for storing at least one ledger for the purpose, wherein the ledger D / B 135 on the financial system is provided by the financial institution to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) for processing at least one financial transaction to be performed, and corresponding to each ledger information (e.g., more specifically or supplementing the attributes / functions of each ledger). At least one ledger additional information is stored in a relational manner. The.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 135 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are linked relationally. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

The bankbook issuing server 400 provided on the e-social bankbook issuing system according to the present invention is a generic term for the components of the bankbook issuing system side connected to the bankbook issuing terminal 435 and a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 400 is provided with an interface unit 405 for providing a predetermined e-social bankbook issuing interface to the bankbook issuing terminal 435 through the network means. It features.

According to an embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 may be configured as the wired network or the like. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network and using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide an interface.

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

Alternatively, when the client terminal is provided with a predetermined shopbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 establishes a communication channel with the client terminal based on the TCP / IP protocol. And 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 bankbook issuing terminal 435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 implements a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with the e-social bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol and 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 bankbook issuing server 400 is interlocked with the interface unit 405 when a predetermined bankbook issuing terminal 435 is connected to the bankbook issuing server 400 through the interface unit 405. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined e-social bankbook issuance application information from the bankbook issuing terminal 435 and providing it to the bankbook issuing terminal 435. Information for receiving predetermined e-social passbook issuance application information transmitted from the passbook issuing terminal 435 through the user interface in connection with the providing unit 410 and the interface unit 405 through the user interface. A receiving unit 415 and the information for generating the predetermined e-soho account information corresponding to the e-soho passbook to be issued to the customer (for example, the shop owner or business owner) based on the received e-Loss pass application information. The generation unit 425 and an information storage unit for storing the e-social ledger information corresponding to the e-social bankbook issued (or opened) to the customer in the ledger D / B 135 on the financial system ( It is characterized by comprising a 420.

In addition, the electronic bankbook issuing server 400, if the e-book account is a real account, a bankbook issuing unit for issuing a predetermined e-book account book including the e-book account information through a predetermined book issuing device It may be configured to further include (430).

The interface providing unit 410 corresponds to a functional configuration provided in the bankbook issuing terminal 435 when a predetermined bankbook issuing terminal 435 is connected to the bankbook issuing server 400 through the interface unit 405. Input (or select) the e-Loss Bank issuing application information to generate a predetermined user interface which can be transmitted to the bankbook issuing server 400 through the network means, or extracted from a predetermined database (not shown). And, in conjunction with the interface unit 405, the generated (or extracted) user interface is characterized in that it provides to the bankbook issuing terminal 435 through the network means.

Thereafter, the bankbook issuing terminal 435 inputs (or selects) the e-Loss Bankbook issuing information based on the user interface, and transmits the input (or selected) e-Loss Bankbook issuing information to the network means. Through the passbook issuance server 400 to transmit.

According to an embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 410 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the apparatus, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405. .

According to another embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 is a browser program provided in the client terminal. 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 405.

The information receiving unit 415 inputs (or selects) predetermined e-social bankbook issuing application information from the bankbook issuing terminal 435 through the user interface and transmits the same through the network means. And in conjunction with the e-Lounge issuing application information is received, characterized in that the received shop account issuing application information is provided to the information generating unit 425.

According to the implementation method of the present invention, the e-soho account issuance application information may include the store information, the shop owner information, and the merchant registration information to issue the e-soho bankbook, and also according to the present invention. It may further comprise at least one or more additional information for the operation and management of the bank account.

Here, the store information may include at least one of a business name, a business registration number, an address, a business status, an item, a business start date, and store contact information.

The shop owner information may include at least one of a shop owner name, a shop owner social security number, a shop owner address, and shop owner contact information.

The affiliated store registration information may include at least one card company information registered by the store as an affiliated store and at least one affiliated store number information assigned to each corresponding card company.

In addition, the additional information for operating the e-book account, accounting office information (for example, accounting office business registration number, corporate registration number, address, contact information, etc.) associated with the store, and bill payment information (eg, utility bills) Transfer application information, etc.).

According to another exemplary embodiment of the present invention, the shop information, the shop owner information, the merchant registration information, and the additional information included in the e-Loss Bank issuing application information are registered, modified after the e-Los Bankbook is issued. , Addition, etc. may be possible.

According to another embodiment of the present invention, the customer (eg, shop owner or business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system and is linked to the financial account. In order to obtain an e-Loss Bankbook (for example, a virtual account or an OA account), the e-Loss Bank issuing application information further includes the previously issued financial account information (eg, account number, etc.). Can be configured.

Here, the financial account information (for example, the real account information) to be associated with the e-Lounge Bank account, the financial account previously issued to the ledger D / B 135 on the financial system in the name of the merchant (or merchant representative name) It is preferable to include an account number corresponding to, and if the account of the merchant name (or merchant representative name) is not issued to the financial system, the financial account of the merchant name (or merchant representative name) in the financial system It is preferable that the financial account issuance request information for requesting a new issuance is further included.

The information generation unit 425 is provided (or linked) to the customer (eg, shop owner or business owner) in the e-bookbook based on the e-bookbook issuance application information received through the information receiver 415. And a predetermined e-soho account information to be generated, wherein the e-soho bankbook information includes a bookkeeping basic information including an affiliate store name, an affiliate store number, a deposit type, a new date, an issue date and a passbook number, and at least one slip. Payment authorization related information including at least one approval date, document approval content, document approval amount, document number, payment approval number, and the like. It may be made by including at least one or more information related to the purchase of the book, including at least one or more, such as a number, a slip number.

When the e-social bankbook is a real account, when the predetermined e-social bankbook information provided in the e-social bankbook is generated by the information generating unit 425, the bankbook issuing unit 430 is a predetermined bankbook. Producing an e-book account book including the e-book account information through the issuing device (or having the e-book account information in the e-book account), the e-book account is the customer (Eg, a shop owner or business owner, etc.).

According to an embodiment of the present invention, if the e-book is an IC (Integrated Circuit) card, the passbook issuing device is a device for recording the e-book passbook information in a memory provided in the IC chip of the e-book. In this case, the information generation unit 425 generates the e-book account information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit ( 430 may issue a predetermined e-book by writing the e-book passbook information to the IC chip memory through the passbook issuing device.

The e-book account created as described above may be provided to the customer (eg, a shop owner or a business owner), or may be delivered to the customer according to a predetermined passbook providing procedure.

Thereafter, the information storage unit 420 is based on the e-Loss Bank issuing application information and the e-Loss Bank account information received from the customer (eg, shop owner or business owner) through the information receiving unit 415 As shown in Figures 2a and 2b, on the ledger D / B 135 on the financial system in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the store account book It is characterized by storing the information.

Here, the ledger information for the e-book account is the account ledger (or receiving ledger) corresponding to the financial account associated with the e-book on the ledger D / B 135 on the financial system of the e-book account information At least one information item to be stored in the form of additional information is preferably made.

5 is a diagram illustrating an e-Locate issuing process according to another embodiment of the present invention.

In more detail, in FIG. 5, in the e-book account issuing system shown in FIG. 4, a predetermined customer (e.g., a store owner or a business owner) is connected to a predetermined e-book book issuing interface (e.g., a wired terminal or a wireless terminal). When the predetermined e-social bankbook issuance application information is transmitted to the electronic bankbook issuing server 400 to the electronic bankbook issuing server 400 through at least one client terminal and network means, etc.), the electronic bankbook issuing server 400 ) Is a process for issuing (or opening) a predetermined e-book on the basis of the application information issued by the e-book, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 5 Although various methods of issuing the e-book may be inferred for reference purposes or variations to issue and manage the bill (or invoice) of the store, the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 5, the e-social bankbook (for example, when the e-social bankbook is a real account) is produced and provided (or delivered) to the customer (for example, a shop owner or a business owner), and then on the financial system. Although it is illustrated and described as storing the ledger information for the e-social bankbook in the ledger D / B 135, the predetermined e-social bankbook for the ledger D / B 135 in the financial system is in accordance with the intention of the skilled person. The process of storing the ledger information may be performed before producing the e-book, or before it is provided (or shipped) to the customer after the e-book is produced, and the present invention is not limited thereto. .

Hereinafter, in this figure 5, the bankbook issuing terminal 435 shown in FIG. 4 is referred to as a "terminal" for convenience, and the bankbook issuing server 400 is referred to as a "server" for convenience.

Referring to FIG. 5, a customer (eg, a store owner or a business owner) who wants to be issued an e-book account according to the present invention for issuing and managing the bill (or invoice) of the store may use the network means using the terminal. Accessing the server through the server, requesting the server to issue the e-book account issuing interface for issuing the e-book, 500 and in response, the server issues an e-book for issuing the e-book. The interface is extracted (or generated) and provided to the terminal (505).

Subsequently, the terminal inputs (or selects) predetermined e-social bankbook issuing application information through the e-social bankbook issuing interface, and then inputs the e-social bankbook issuing application information through a predetermined e-social bankbook issuing interface. Provided to the server (510).

Here, it is preferable that the e-social account issuing interface includes a predetermined client terminal used by the customer (eg, a shop owner or a business owner) and network means for connecting the client terminal and the server.

In addition, the e-soho account issuing application information provided to the server through the e-soho bankbook issuing interface may include a store information, a store owner information, and a merchant registration information to issue the e-soho bankbook. In addition, it may further comprise at least one or more additional information for the operation and management of e-book passbook according to the present invention.

Here, the store information may include at least one of a business name, a business registration number, an address, a business status, an item, a business start date, and store contact information.

The shop owner information may include at least one of a shop owner name, a shop owner social security number, a shop owner address, and shop owner contact information.

The affiliated store registration information may include at least one card company information registered by the store as an affiliated store and at least one affiliated store number information assigned to each corresponding card company.

In addition, the additional information for operating the e-book account, accounting office information (for example, accounting office business registration number, corporate registration number, address, contact information, etc.) associated with the store, and utility bill payment information (for example, automatic billing) Transfer application information, etc.).

According to another exemplary embodiment of the present invention, the shop information, the shop owner information, the merchant registration information, and the additional information included in the e-Loss Bank issuing application information are registered, modified after the e-Los Bankbook is issued. , Addition, etc. may be possible.

According to another embodiment of the present invention, the customer (eg, shop owner or business owner) holds a financial account previously issued to the ledger D / B 135 on the financial system and is linked to the financial account. When the e-Loss Bankbook is issued, the e-Loss Bank issuing application information may be configured to further include the previously issued financial account information (eg, account number).

When the predetermined e-Lossing Bank issuing information is received through the e-Loss Banking Issuing Interface, the server reads the received e-Loss Banking Issuing Application Information to the customer (eg, a shop owner or business owner). The validity of the e-Loty Pass can be issued (515).

Here, the e-Loss Bank issuance validity check is to confirm whether the merchant information included in the e-Loss Bank issuing application information is a valid merchant, and the financial account information (eg, included in the e-Loss Bank issuing application information) , Real account information, etc.) may be included in at least one or more checks provided in the ledger D / B 135 on the financial system.

According to an embodiment of the present invention, when the ledger D / B 135 on the financial system is not provided with a financial account to be linked with the e-book, the server may be connected to the new bank account. The account issuance procedure may be further performed, whereby the present invention is not limited.

If the validity for issuing the e-Loss account to the customer (eg, the shop owner or the business owner) is not authenticated through the e-Loss Bank issuing application information (520), the server issues the e-Loss Bank account. Provide the e-Lossing issuing error information to the customer through an interface (525) and stop issuing the e-Loss Banking to the customer.

If the validity for issuing the e-Loss Bankbook to the customer (eg, shop owner or business owner) is authenticated through the e-Loss Bank issuing application information (520), the server sends the e-Loss Bank issuing information. Based on the generated e-book account information corresponding to the e-book account to be issued to the customer based on (530).

Here, the e-soho account information includes the bank account basic information including the merchant name, merchant number, deposit type, new date, issue date and bankbook number, at least one document approval date and time, the document approval content, the document approval amount, the document number, payment Payment authorization related to payment approval including at least one approval number, etc., and related to the purchase of documents including at least one of the date and time of purchase of the documents, the contents of purchase of the documents, the amount of purchase of the documents, the number of the documents and the number of purchase of documents. It may be made by including at least one passbook entry information.

According to an embodiment of the present invention, if the e-book is an IC card, the generated e-book account information may include a file structure operable through a COS (Chip Operating System) provided in the IC chip. have.

Thereafter, the server may produce (or deliver) the predetermined e-social book with the e-bookbook information to the customer (for example, a store owner or a business owner) through a bookbook issuing device ( 535).

Thereafter, the server receives a predetermined e-signal through the e-routing book issuing application information and the generated e-routing book information provided from the customer (eg, a shop owner or a business owner) through the e-routing book issuing interface. It generates the ledger information for the bank account (540), and stores the ledger information for the e-soho bankbook in the ledger D / B 135 on the financial system (545).

Here, the ledger information for the e-book account corresponds to the financial account associated with the e-book on the ledger D / B 135 on the financial system as shown in Figure 2a and 2b of the e-book account information It is preferable that the at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger).

According to an embodiment of the present invention, the ledger D / B 135 on the banking system is preferably provided in the DBMS on the banking system provided on the bank account issuing system (or associated with the bank account issuing system).

FIG. 6 is a diagram illustrating a customer information registration system for issuing and managing a bill (or bill) of a small and medium store according to an exemplary embodiment of the present invention.

In more detail, Figure 6 is a customer registration information (e.g., a shop owner or a business owner) through a predetermined account information registration interface is shown in the account registration (or invoice) for the customer account issuance and management If the information registration information is provided, the information registration system is configured to process the provided customer information registration information in association with the customer information (or e-Lounge Bank information of the customer) to store and register in a predetermined storage medium. As those skilled in the art to which the present invention pertains, various implementation methods for configuring an information registration system for issuing and managing a bill (or invoice) of a store may be inferred by referring to or modifying the present invention. It will be appreciated that the present invention includes all implementation methods inferred from the above, and that only the implementation method illustrated in FIG. Not determined

Hereinafter, on the information registration system shown in FIG. 6, the customer information (or e-social account information of the customer) is transferred to the customer information registration information provided from the customer (for example, the shop owner or the business owner) through a predetermined account information registration interface. ) And components corresponding to at least one or more means or functional configurations which are stored and registered in a predetermined storage medium in a cooperative process, are referred to as "information registration server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, an information registration system for issuing and managing a bill (or invoice) of a store according to the present invention may be used when the information registration system supports non-face-to-face information registration. Regarding, characterized in that comprises a client terminal including at least one wired terminal or a wireless terminal used by the customer (for example, a shop owner or business owner, etc.), wherein the client terminal is registered with the information through a predetermined network means The communication channel is connected to the information registration server 600 provided on the system.

According to an exemplary embodiment of the present invention, when the information registration system supports non-face-to-face contact information registration, the customer (eg, a store owner or a business owner) may be connected to a wired terminal or a predetermined wireless communication network connected to a predetermined wired network. Access to the information registration server 600 through at least one client terminal of the wireless terminal connected to, and through the at least one user interface (eg, account information registration interface, etc.) provided by the information registration server 600 When inputting (or selecting) at least one or more account information for issuing and managing a bill (or bill) of a store according to the present invention, an information registration server provided on the information registration system through a predetermined network means in the client terminal ( 600).

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, or Motorola's DataTAC method or Erricson's. A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular Terminal connected to the CDMA-based mobile communication network. Cellular; PDC or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) or smart phone (Smart Phone) or Telematics (telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, Or none connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, and inputs or selects at least one or more information (for example, customer information, etc.) through the user interface and the information registration server. A function configuration (for example, a browser program and communication function or a predetermined communication program and communication function for communicating with the information registration server 600, etc.) for transmitting to the 600 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer (eg, a shop owner or a business owner), and the client terminal and the information registration server 600 are connected to each other. At least one wired or wireless network performs the function of an information registration interface for the customer to register at least one or more account information for issuing and managing bills (or bills) of stores according to the invention.

According to another exemplary embodiment of the present invention, when the information registration system supports non-face-to-face contact information registration, the information registration terminal 630 may have a predetermined financial network (eg, a financial common network) in addition to the client terminal. Or an automatic teller machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD), or a public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a PSTN) or a VoIP (Voice over IP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network ( (Not shown), or may further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. It was, to which the present invention is not limited.

In the case of supporting non-face-to-face account information registration as described above, when the information registration terminal 630 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( (Not shown) and the financial network connecting the information registration server 600, the customer (for example, the shop owner or business owner, etc.) the at least one account information for the issuance and management of the bill (or bill) of the store according to the invention Performs a function of a customer information registration interface for registering, or when the information registration terminal 630 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the information The wired or wireless telephone network connecting the registration server 600 is at least one for the customer to issue and manage the bill (or invoice) of the store in accordance with the present invention. If the information registration terminal 630 is a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal performs the function of an account information registration interface for registering account information of the client. (Or server) (not shown) and the network connecting the terminal (or server) (not shown) and the information registration server 600, the customer is responsible for issuing and managing the bill (or bill) of the store according to the present invention In order to register at least one account information to perform the function of the account information registration interface.

A financial institution that issues an e-Lower for issuing and managing bills (or bills) of the store to the customer (e.g., shop owner or business owner, etc.) may include at least one financial transaction (e.g. credit) to at least one financial transaction customer. , Receiving, 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 (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Providing face-to-face financial transaction services to at least one financial transaction customer.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal may 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 Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet connection and browsing function) connected to an 802.16x-based portable Internet, etc., the wireless LAN / portable Internet connection and browsing function A laptop or a mobile terminal, etc.) may be used to provide financial services in a non-face-to-face manner to at least one or more financial transaction customers.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service may be provided to at least one or more financial transaction customers through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Non-face-to-face financial transaction services can be provided.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service can be provided to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server Non-face-to-face financial transaction services can be provided to at least one financial transaction customer through a terrestrial DMB terminal.

For example, the financial system may be provided to a financial institution to issue at least one financial account to at least one financial transaction customer (eg, a shop owner or business owner) and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, support for branch information, and customer information management And interconnection between the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) provided in at least one or more external communication networks. The financial system in the wireless banking, telebanking, TV banking, etc.) System or an external system that provides a variety of 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 inter-component interfacing, and predetermined information (e.g., ledger information, customer information, or management information) required for each function in a component in the financial system. And the like; and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

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

According to the present invention, the DBMS provided in the financial system, the financial institution issues at least one financial electronic bankbook to at least one financial transaction customer, and provides at least one financial transaction service based on the financial electronic bankbook. And a ledger D / B on a financial system for storing at least one ledger for the purpose, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. Add at least one ledger information for processing (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

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

The information registration server 600 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 630 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 600 is provided with an interface unit 605 which provides a predetermined account information registration interface to the information registration terminal 630 via the network means. do.

According to an embodiment of the present invention, when the information registration terminal 630 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 605 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

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

Alternatively, when the client terminal is provided with a predetermined account information registration program provided by the information registration server 600, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 630 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 605 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

Alternatively, when the client terminal is provided with a predetermined account information registration program provided by the information registration server 600, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 6, the information registration server 600 interworks with the interface unit 605 when a predetermined information registration terminal 630 is connected to the information registration server 600 through the interface unit 605. Interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting at least one account information from the information registration terminal 630 to the information registration terminal 630. ), An information receiving unit 615 for receiving (or selecting) at least one account information transmitted from the information registration terminal 630 through the user interface in connection with the interface unit 605, and the reception. The information confirmation unit 620 confirms the validity of the received account information, and the received account information and the customer information (or customer e-socket account information) are linked to a predetermined process. Provided with a sheet media information storage section 625 to store (or the ledger D / B on the financial system, etc.), characterized in that formed.

The interface providing unit 610 corresponds to a functional configuration provided in the information registration terminal 630 when a predetermined information registration terminal 630 is connected to the information registration server 600 through the interface unit 605. Generate (or select) at least one or more account information, and generate a predetermined user interface that can be transmitted to the information registration server 600 through the network means, or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 605 may be provided to the information registration terminal 630 through the network means.

Thereafter, the information registration terminal 630 inputs (or selects) at least one account information based on the user interface, and registers the information (or selected) at least one account information through the network means. Send to server 600.

According to an embodiment of the present invention, when the information registration terminal 630 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 610 is the client terminal. The user interface may be generated (or extracted), which may be provided by a browser program or a communication program included in the apparatus, and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 605.

According to another embodiment of the present invention, when the information registration terminal 630 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 610 is a browser program provided in the client terminal. Alternatively, a predetermined user interface that can be provided to a communication program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 605.

The information receiving unit 615 inputs (or selects) at least one account information from the information registration terminal 630 through the user interface and transmits the information through the network means. And receiving the account information, and the received account information is provided to the information checking unit 620.

According to the method of the present invention, the account information is information related to the customer account for issuing and managing a bill (or invoice) through the customer's e-book, according to the present invention. It may include a business registration number, account address, account contact, account representative, account status, account industry.

According to another exemplary embodiment of the present invention, the account information may be configured to further include the account information of the customer when the customer opens (or issues) the e-book.

For example, if the customer is a customer who opens (or issues) the e-book, the customer further inputs (or selects) the e-book account information of the customer, or the customer e- If the SOHO account information has not been entered (or selected), the e-HOW associated with the customer-specific information (for example, the account name or the business operator registration number, etc.) input by the customer through the following information checking unit 620. You can check the account information.

Here, the information on the account name, the account provider registration number, the account address, the account contact, the account representative, the account status, the account type, etc. included in the account information may be changed, re-registered, modified, or added later.

The information checking unit 620 confirms the validity of at least one or more trading partner information received through the information receiving unit 615, for example, using the unique trading partner information included in the trading partner information. Then, it can be confirmed whether the customer is a customer who opens a real account or an e-soho account associated with the financial system.

Thereafter, the information storage unit 625 is based on the customer information or the e-socket account information and the customer information received from the customer (eg, shop owner or business owner) through the information receiving unit 615 of the figure 2a And as shown in Figure 2b, on the ledger D / B on the financial system stores the e-Lower ledger information in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the shop bank account.

Here, the e-social ledger information is additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the e-social bankbook on the ledger D / B on the financial system among the e-social bankbook information. It is preferable to include at least one information item to be stored in the form.

7 is a diagram illustrating a customer information registration process for issuing and managing a bill (or invoice) of a small and medium-sized store according to one embodiment of the present invention.

In more detail, in Figure 7, a predetermined customer (e.g., a store owner or a business owner) issues a bill (or bill) of a store according to the present invention to the information registration system shown in Figure 6 through a predetermined account information registration interface. When the customer information registration information for management is provided, the information registration system processes the provided customer information registration information in association with the customer information (or e-socket account information of the customer) and stores and registers the data in a predetermined storage medium. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the information registration process for issuing and managing a bill (or invoice) of a store can be inferred by referring to or modifying the drawing 7. As will be appreciated, the invention includes all implementations inferred, and is limited to the implementation method illustrated in FIG. Not.

Hereinafter, in FIG. 7, the information registration terminal 630 shown in FIG. 6 is referred to as a "terminal" for convenience, and the information registration server 600 is referred to as a "server" for convenience.

Referring to FIG. 7, a customer (eg, a store owner or a business owner) who wants to register at least one or more account information associated with an e-book account according to the present invention for issuing and managing the bill (or invoice) of the store may Accessing the server through the network means using a terminal, requesting the server for an information registration interface for registering the account information (700), and correspondingly, the server requests an account information registration interface for registering the account information; Extract (or generate) to provide to the terminal (705).

Thereafter, the terminal inputs (or selects) at least one account information through the information registration interface, and then provides the account information to the server through the information registration interface (710).

Here, the information registration interface preferably comprises a predetermined client terminal used by the customer (eg, a shop owner or a business owner) and network means for connecting the client terminal and the server.

In addition, the at least one account information provided to the server through the information registration interface may be configured to include the account name, account business registration number, account address, account contact, account representative, account status, account industry.

When at least one account information is received through the information registration interface, the server reads the received account information and checks the validity of the account information (715).

In this case, the validity check of the account information is performed by the customer corresponding to the account name, the account business registration number, the account address, the contact address, the account representative, the account status, the account business type, etc. included in the account information according to the present invention. It may include identifying the account with which the statement (or invoice) can be issued in connection with the Lo Bank.

For example, the account is a customer without an account e-book (or real account) to be associated with the customer e-book, or at least one or more information contained in the account information is mis-entered In the case of a closing (or erasing) registered customer, the server provides an error message of the account information registration to the terminal (725).

On the other hand, if the validity of the account information is authenticated (720), the server processes the customer information in conjunction with the customer information or customer e-book account information to a predetermined storage medium or ledger D / B on the financial system Save (745).

8 is a diagram illustrating a system configuration for issuing and managing a bill (or invoice) for a predetermined account by an e-Loss Bank issuing customer connected to a financial institution through Internet banking according to an exemplary embodiment of the present invention.

In more detail, Figure 8 is a TCP / IP (Transmission Control Protocol / Internet Protocol) of the financial transaction system operated by the customer (e.g., shop owner or business owner) terminal having been issued an e-Loss Account according to the present invention. When an internet banking server 800 based on a network based on the network (eg, the Internet) and a communication channel for internet banking are connected, the e-social account information corresponding to the accessed customer information (or store information) is checked. And the e-Loss Banking Management System for managing the verified e-Loss Bank information and additional service operations (eg, issuing and managing bills (or invoices) through the Internet banking). As an implementation method, the e-book account management system is provided with a web browser, at least one customer terminal has been issued an e-book account according to the present invention, In the process of providing the Internet banking service from the customer terminal, by checking and extracting the e-book account information corresponding to the connected customer information (or store information) to manage the e-book account of the customer and a predetermined accompanying It characterized in that it comprises an Internet banking server 800 applied to financial transactions.

According to the embodiment of the present invention, the Internet banking server 800 processes the financial business required to provide the Internet banking service through a predetermined interface means and corresponds to the connected customer information (or store information). It is desirable to be associated with a financial system to manage and operate LoHAP information through the customer (eg, issue and manage bills (or invoices), etc.).

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the e-book management system shown in FIG. There will be, but the present invention is not limited to the components omitted.

For example, FIG. 8 is based on a predetermined browser program (e.g., Internet Explorer of Microsoft Corporation or Netscape Navigator of Netscape, Inc., etc.) provided in a customer terminal having issued the e-Loss Account. In the process of initiating or processing a predetermined financial transaction using Internet banking, the e-social bankbook information corresponding to the customer information (or store information) (for example, virtual account information or OA account associated with the customer real account). Information) to manage e-social bankbooks for the management and operation of predetermined e-social bankbook requests (eg, issuing and managing bills (or bills), etc.) requested from customer terminals connected to the Internet banking server 800. Although the implementation method of the system is shown, those skilled in the art to which the present invention belongs, the bra shown in FIG. The customer terminal and the Internet banking server based on a predetermined Internet banking program (or a predetermined electronic bankbook management program) mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using a Jersey program. Management and operation of the e-Loss Bankbook on the basis of the e-Loss Bankbook information identified in response to the accessed customer information (or store information) in the process of initiating or processing a predetermined financial transaction using Internet banking between 800). Including an e-book account management system for, but the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the e-book account management system shown in Figure 8 by referring to or modified configuration, non-faceted in accordance with the present invention It would be possible to infer an e-book account management system using other banking services such as telebanking or wireless banking or TV banking for channel-based financial transactions. The technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

At least one customer terminal having received the e-book account is connected to the Internet banking server 800 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. And a wired terminal including at least one or more of a desktop computer or a notebook computer having a web browser, and the Internet through a predetermined network means including the TCP / IP-based Internet. The banking server 800 is characterized in that the communication channel for the Internet banking is connected.

The financial system is provided with a predetermined financial institution to open at least one financial account (e.g., e-Lounge Bank, etc.) according to the present invention to at least one or more customers, and to process financial transactions based on the financial account. A computerized system, comprising: an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch office, an information system for processing a headquarters business, branch office information support, and customer information management; Access to a variety of electronic financial services (e.g. Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), other exchanges, call centers, financial settlements by connecting to external systems including systems, homes, businesses, stores and card companies Etc., and middleware platforms that provide interfacing between components within the financial system. An interface module corresponding to a form and at least one database for storing and managing predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. It is made to include a DBMS (DataBase Management System) including, and according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (Not shown), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and a person having ordinary knowledge in the art to which the present invention belongs, Since the technical details of the financial system will be clearly understood, the detailed description thereof will be omitted for convenience. The present invention is not limited by the.

In addition, the Internet banking server 800 is interlocked with the financial system through the external system, and for this purpose, the external system includes a component for interworking with the Internet banking server 800 through a predetermined interface means. It is preferable to make.

The Internet banking server 800 is a database for storing web operation data including at least one web page source or digital content for providing a predetermined web service to at least one or more customer terminals, or in conjunction with the financial system. A DBMS including a database for storing the Internet banking information required to provide the Internet banking service of the server, or in accordance with the method characterized in that the interworking with the data server equipped with the DBMS, thereby at least one or more A predetermined internet banking service is provided to the customer terminal.

In particular, when the Internet banking server 800 accesses a predetermined customer terminal, the Internet banking server 800 receives e-social bankbook information corresponding to the accessed customer information (eg, verified customer information) from the ledger D / B (or predetermined) of the financial system. Storage medium of the user), and the e-Loss Bankbook management and operation (eg, bill (or invoice) issuance and management, etc.) requested from the connected customer terminal.

To this end, the Internet banking information is authenticated by at least one or more customer terminals connected to the Internet banking server 800 and the customer corresponding to the customer terminal, or the customer through the Internet banking server 800 At least one financial transaction authenticates the financial transaction customer, or the customer manages and operates the issued e-Loss account through the Internet banking server 800 (eg, issuing and managing a bill (or invoice), etc. ), The customer authentication information for authenticating the e-Lounge Bank account management and operation customer, and a finance corresponding to the financial transaction request in conjunction with the financial system when a predetermined financial transaction request is made from the customer through the customer terminal. It includes banking element information for processing transactions, and at least one required for internet banking according to the intention of those skilled in the art. Or more, but the information may further be included, the figure 8, this is omitted for convenience.

Referring to FIG. 8, the Internet banking server 800 is an HTTP for providing a predetermined Internet banking service and additional services such as e-Lossing book management and operation to an e-Lossing issuing customer terminal according to the present invention. A web interface unit 805 for connecting and managing a Hyper-Text Transfer Protocol based communication channel, and an e corresponding to the customer (or store) stored in the ledger D / B (or a predetermined storage medium) of the financial system. An information extracting unit for checking e-book account information and extracting e-book book information corresponding to the customer from the ledger D / B (or a predetermined storage medium); and the e-book book at the request of the customer. At least one customer terminal in connection with an information operating unit 840 for performing a related service (eg, issuing and managing a bill (or bill)) and the web interface unit 805 and the information operating unit 840. Web page to be served by A web page operating unit 815 for operating a web site (e.g., a banking related web page or a bill (or invoice) issuance related web page and a bill (or invoice) management web page, etc.), and the web page operating unit 815; A UI processing unit 810 for generating a user interface (UI) screen for providing a predetermined internet banking service (or an additional service such as e-book management and operation) to at least one customer terminal in association with the at least one customer terminal; Characterized in that it is provided, the communication channel and the user interface for processing the Internet banking based on HTTP between the customer terminal and the Internet banking server 800 by the functional configuration can be implemented.

In addition, the Internet banking server 800, in conjunction with the UI processing unit 810 from the DBMS provided in the Internet banking server 800, such as additional services, such as the Internet banking service (or e-book management and management) ) May further include a content operation unit 820 for extracting predetermined content for providing the content or receiving predetermined content to be stored in the DBMS from the customer terminal.

In addition, the Internet banking server 800 interoperates with the web page operation unit 815 through the UI processing unit 810 based on the customer authentication information of the Internet banking information to the at least one customer terminal to the customer authentication interface screen It may be configured to further include a customer authentication unit 825 provided with at least one or more customer authentication information based on the interface screen.

In addition, the Internet banking server 800 is connected to the web page operation unit 815 through the UI processing unit 810 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one customer terminal It may be configured to further include a banking processing unit 830 is provided with at least one or more financial transaction-related information on the basis of the interface screen.

In addition, the Internet banking server 800 may be configured to further include a ledger processing unit 835 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with a financial system through a predetermined interface means. The ledger processing unit 835 may be connected to the external system of the financial system through the interface unit.

The customer authentication information stored in the DBMS includes ID / PW information and customer information (eg, customer name, store name, business registration number, address, contact information, etc.) of a customer accessing the Internet banking server 800 through the customer terminal. It is preferable to include at least one member information including at least one, wherein the customer authentication unit 825 requests the ID / PW information of the customer to the customer terminal in conjunction with the UI processing unit 810, Receiving the ID / PW information from the customer terminal, and compares the received ID / PW information and the ID / PW information included in the member information to authenticate the customer connected to the Internet banking server (800) In addition, the authenticated customer information (or customer authentication information) is characterized in that for transmitting to the information extraction unit and information operation unit 840.

Preferably, the ID / PW information may be provided to the Internet banking server 800 according to a conventional ID / PW transmission and reception procedure, but in order to provide a more advanced security function, the ID / PW information is symmetrical in the customer terminal. The key (or secret key) encryption method, or public key encryption method, or the electronic envelope encryption method, or key exchange encryption method is preferably received through at least one of the encryption method, the customer authentication unit 825 ) May further include a functional configuration for decoding the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (eg, KFTC) and certificate server information, or the authentication certificate registrar information (eg, If the official certificate is registered through the process, the current information, if the official certificate is registered through the other line information, etc.), or the certificate information issued to the customer by the certification body preferably further comprises, At this time, the customer authentication unit 825 requests a certificate-based customer certification through an authentication certificate registered by the registrar to the certification server of the certification authority, and receives the customer certification result from the certification server, thereby receiving the customer. The information extracting unit and the information transport may be authenticated. Characterized in that the transfer to the molten portion (840).

In addition, the customer authentication unit 825 provides the communication session information and the certificate information connected to the customer terminal to the authentication server (not shown) of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, the result may be provided to the customer authentication unit 825.

In addition, the customer authentication information stored in the DBMS is made of a copy of the authentication certificate of the customer accessing the Internet banking server 800 through the customer terminal, or of the certification authority that issued a predetermined certificate to the customer It is preferable to include the directory connection information, wherein the customer authentication unit 825 requests the certificate-based customer information to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer and Receiving the certificate-based customer information from the customer terminal, and authenticating the certificate-based customer information through a copy of the certificate or a directory of a certification authority, thereby authenticating the customer, and the authenticated customer information (or customer And authentication information) to the information extraction unit and the information operation unit 840. do.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 825, or a predetermined random number generated by the customer terminal, in which case the customer terminal is the official certificate through the certificate Provide a random number to the customer authentication unit 825 by encrypting a random number through at least one of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method; For example, when the random number is generated in the customer terminal, the terminal further includes a random number in a plain text form), based on the copy of the certificate of the customer or the certificate information of the customer extracted from the directory by the customer authentication unit 825. Decrypts the random number encrypted with the cross-reference, or compares the random number in the plain text (for example, with the customer authentication unit 825). By encrypting and comparing the generated random numbers or random numbers generated by the customer terminal, the customer can be authenticated, and the information extraction unit and the information management unit 840 compare the authenticated customer information (or customer authentication information). Characterized in that delivered to.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the Internet banking server 800, or the customer terminal). Information (or system information) already stored therein, or storage information (for example, an IC card (or IC chip) serial number, or the IC) read from an IC card (or IC chip) interworking with the customer terminal. Information stored in the IC card (or IC chip) memory by the card (or IC chip) issuing authority), and in this case, the client terminal encrypts the stored information through the certificate of the symmetric key (or secret key). Or encrypting through at least one encryption method of a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method, and providing the same to the customer authentication unit 825. The customer authentication unit 825 may authenticate the customer by decrypting encrypted stored information based on the copy of the customer's official certificate or the customer's official certificate information extracted from the directory, and comparing the encrypted stored information with each other. The customer information (or customer authentication information) is characterized in that it is delivered to the information extraction unit and information operation unit 840.

According to another exemplary embodiment of the present invention, the certificate-based customer information may be input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, or Information input through an input device (for example, a short-range communication device, etc.) other than a key input device provided in the customer terminal, and in this case, the customer terminal may use the symmetric key (or Secret key) encryption method, public key encryption method, electronic envelope encryption method, or encrypted through at least one or more encryption method of key exchange encryption method provided to the customer authentication unit 825, the customer authentication unit 825 ) Encrypted input based on the copy of the customer's certificate or the certificate information of the customer extracted from the directory. By comparing the decrypted cross, it is possible to authenticate the customer, characterized in that for transferring the authenticated client information (or the customer credentials) to the information extractor and the information management unit 840.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 825 interoperates with the UI processing unit 810 to request a predetermined OTP code to the customer terminal, receive the OTP code from the customer terminal, and based on the OTP generation information, a predetermined OTP authentication code. By generating a, and by comparing the received OTP code and the generated OTP authentication code, it is possible to authenticate the customer, the authentication information (or customer authentication information) to the information extraction unit and information operation unit 840 It is characterized by the transmission to).

The OTP code includes at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method in the customer terminal in order to provide a more advanced security function. It is preferable to receive the encrypted through, for this purpose, the customer authentication unit 825 preferably further comprises a functional configuration for decrypting the OTP code.

When at least one financial transaction is requested from the client terminal, the banking processor 830 provides the financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 810. And, when predetermined financial transaction request information is input (or selected) and received from the customer terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to. Financial transaction information is generated (or extracted) and provided to the ledger processing unit 835.

For example, in the process of managing and operating the e-Lounge Bank account according to the present invention, the banking processor 830 is the UI processor 810 when the bank transfer transaction is requested according to a predetermined deposit. Input (or select) information (eg, withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) required for the account transfer to the customer terminal Provide a predetermined interface screen for automatic input (or selection), and information required for the account transfer (for example, withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount) through the interface screen. Information, security code number, etc.) is input (or selected) and received, withdraw the transfer amount from the withdrawal account with reference to the banking element information. To generate a financial transaction information used for payment to the left (e. G., Account passbook room account or accounts e- Lo, etc.) and provides it to the director processor 835.

According to an exemplary embodiment of the present invention, the banking processor 830 receives the predetermined financial transaction request information from the customer terminal, and interoperates with the customer authentication unit 825 to perform at least one customer authentication method. It is preferable to authenticate the customer who requested the transaction, thereby, confidentiality and authentication of the customer who requested the financial transaction through the customer terminal (or a customer who has entered (or selected) and transmitted the financial transaction request information). ), Integrity and Nonrepudiation are secured.

In addition, according to the method of the present invention, when the banking processing unit 830 is requested at least one financial transaction from the customer terminal, the information extraction unit in conjunction with the information management unit 840 and the information extraction unit is stored in the storage Receive e-Loss passbook information corresponding to the customer information extracted from the medium, check the e-Loss passbook information to be applied to the financial transaction requested by the customer from the received e-Loss passbook information, the customer requested When the e-soho passbook information to be applied to the financial transaction is confirmed, the confirmed e-soho passbook information may be applied to the financial transaction requested by the customer.

The ledger processing unit 835 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 830, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system in response to, and extract the identified ledger information from the ledger on the financial system through the interface means, or correspond to the financial transaction information. And generate (or extract) ledger record information recorded in the ledger on the financial system, and record the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

In addition, the information management unit 840, if the e-book account information corresponding to the customer is extracted through the information extraction unit, and delivers the extracted e-book account information to the web page manager 815, Characterized in that it performs the e-soho account management and operation requested from the customer terminal.

According to the embodiment of the present invention, the e-soho account management and operation performed by the information operation unit 840 is requested and performed from the customer terminal, including transaction log record information management, credit card sales and settlement payment management, and payment. Invoice management and dispatch information management, bill management and issuance information management, accounting office linked business management, account receivables securitization information management, and bill payment information management characterized in that it comprises at least one or more.

Here, the management of the transaction log record information, by extending the transaction history (e.g., additional expansion (secondary expansion)) of the e-book, according to the present invention, the e-book (or e-book) At least one of the connected customers checking, outputting, and sorting the details automatically recorded (or directly recorded by the customer (for example, the store owner or the business owner)) upon receipt and withdrawal of the real account associated with the account. Includes one or more, the customer may request an accounting settlement process based on the transaction log record information.

For example, the extended transaction history information records the credit card settlement deposit portion as the first record as the settlement settlement payment on December 10, and the additional expansion information may be a list of approval cases for the settlement settlement. Can be.

According to an embodiment of the present invention, the information operation unit 840 may perform credit card sales and settlement payment management, whereby the customer (eg, the store owner or the business owner) may settle the settlement request information and the store. It is possible to manage the management information on the amount of payment by the card company with this merchant contract.

For example, the customer (e.g., a shop owner or a business owner) accesses the Internet banking server 800 through the Internet banking shown in FIG. 8, referring to the credit card sales and settlement payment management information, and manages the deposit amount. It can be done easily.

In addition, the information operation unit 840, based on the purchase information received from the VAN or PG or the card company, etc., it is possible to calculate the deposit date, and compare the actual amount and the deposit date by card company can be confirmed.

In addition, the information operation unit 840 may check the distribution and deposit amount of the card company of the same day sales and the same day sales, and further confirm whether the deposit by matching the deposit amount of each card company with the balance of the bankbook, After this, the total amount of money and the amount of money received may be provided to the customer terminal in conjunction with the UI processing unit 810. If the payment is not made after a specific date, the message is output to the access customer terminal or the customer (E.g., a shop owner or business owner, etc.) can be transmitted by a communication means (e.g., e-mail, SMS, etc.).

According to the implementation method of the present invention, the information operation unit 840, characterized in that for managing the billing (or tax invoice) management and shipping information for the customer of the customer, through which the customer (eg shop owner) Or a business owner or the like) prepares a bill (or a tax invoice) or the like and processes the billing information (eg, a real account or an e-book) in the storage medium (or a ledger database on the financial system). By storing in the bank, it is possible to check the bill (or tax invoice) when the customer is connected to the banking server.

For example, in the billing (or tax invoice) management menu provided to the customer terminal through the webpage operation unit 815 and the UI processing unit 810, the customer invoices for a predetermined account as shown in Figure 11 below. If issuing is selected, the information operation unit 840 outputs a tax invoice issuing page as shown in Figure 12 below to the customer terminal, and at this time, a customer-related menu of the tax invoice (eg, business registration number, representative) , Address, business name (corporation name) is automatically filled in, and the account related menu of the tax invoice information such as business registration number, representative, address of the customer according to the customer's business name (corporation name) selection With reference to the account information input through the information registration system of FIG. 6, the information may be automatically entered.

Thereafter, the customer inputs (or selects) a tax invoice issuance date (automatic entry), an item, a quantity, a supply value, and a VAT (automatically input according to the input of the supply price) through the tax invoice issuing page. For example, a tax invoice for the client may be issued.

Here, the issued tax invoice may be issued by being divided into the supplier's (customer) tax invoice and the recipient's (customer's) tax invoice, and the information operation unit 840 is the issued tax invoice information Is stored in the storage medium in association with the customer information or the e-Lower account information of the customer, and the issued tax invoice for the recipient (the customer), the e-Lower account information (or the customer information) of the customer ) To be stored in the storage medium.

For example, the information operation unit 840 checks the account information (eg, e-social account information or real account information, etc.) corresponding to the customer information selected by the customer through the tax invoice issuing web page, and the account account. By linking the information and the issued tax invoice information to the storage medium, it is possible to check the issued tax invoice when the customer of the customer is connected.

In addition, when the tax invoice is issued, the information operation unit 840 notifies the account of the issuance of the tax invoice by means of a communication means (for example, a text message such as a mobile phone or an e-mail, etc.) of the customer. It is possible to recognize the issuance of the tax invoice.

According to an embodiment of the present invention, if there is a tax invoice issued to the customer by the customer's customer, the information management unit 840 the tax invoice information issued to the customer the webpage operation unit 815 And to provide to the customer terminal through the UI processing unit 810, the customer can check the tax invoice provided to the customer as shown in Figure 12b below through the tax invoice management menu and the like.

The information operation unit 840 collects the tax invoice (or billing statement or transaction statement or quotation) issued by the customer and the tax invoice (or billing statement or transaction statement or quotation) received by the customer. It is characterized by performing a monthly sales / purchases aggregate.

For example, an invoice (or tax invoice) management menu provided to the customer terminal through the webpage operation unit 815 and the UI processing unit 810 as shown in FIG. 13 below. If management is selected, check the issuance date of stored bills (e.g., tax invoice or billing statement, transaction statement or quotation), etc. By processing the web page operation unit 815 and the UI processing unit 810 may be provided to the customer terminal as shown in Figure 13 below.

The information operation unit 840 periodically transmits the customer's statement issuance and reception history to the accounting office registered by the customer through the bankbook issuance system (or the account registration system of FIG. 6), and the accounting. Characterized in that the VAT processing information (for example, payment due tax, etc.) is provided from the office.

Here, according to one embodiment of the present invention, it is preferable that the accounting office has a separate account (for example, a paid account for the accounting business processing of the store).

According to an embodiment of the present invention, the information operation unit 840 may manage the receivables securitization information, and the customer (eg, the shop owner or the business owner) requests the securitization of the receivables, the securitization details. You can check or print the checked details.

For example, when the customer (for example, a store owner or a business owner) applies for a securitization of the trade receivable, the e-soho bank issuing financial institution (for example, a bank, etc.) receives a deposit from the credit card company, and advances funds. The information may be provided to the customer in the form of a short-term loan, and at this time, the information operation unit 840 may provide the securitization details to the connected customer.

According to the implementation method of the present invention, the information operation unit 840 may perform the management of the utility bill payment information, when the customer (for example, the shop owner or business owner, etc.) when the application for e-Lounge issuance (or After the application), when applying for payment of a predetermined utility bill (for example, insurance, abdominal tax, corporate tax, VAT, etc.), the details of payment of the utility bill can be provided to the customer.

The webpage operator 815 may determine to include the e-social account information received from the information extractor or the information manager 840 in the webpage to be provided to the connected customer terminal. The web page may be configured to include the e-book management and operation menu.

In addition, the UI processing unit 810 includes a user interface for providing a predetermined Internet banking service (or additional service such as e-book management and operation) to the connected customer terminal including the e-book account information. (User Interface; UI) screen is generated, the user interface screen including the e-book account information is characterized in that it is provided to the customer terminal connected to the Internet banking server (800).

At this time, the UI processing unit 810, the transaction log record information management menu, credit card sales and payment account management menu, billing management and shipping information management menu, bills for the management and operation of the e-Lounge Bank account; Create and access a user interface (UI) screen including at least one management and issuing information management menu, an accounting office linked business management menu, a receivables securitization information management menu, and a bill payment information management menu. Can be provided to the customer terminal.

According to the exemplary embodiment of the present invention, the storage medium stores e-routing account history information accumulated through the information registration system shown in FIG. 6 or the management system shown in FIG. 8, and the storage medium stores the e-book. Equipped with an Internet banking server on the LoA Banking Management System, or in a DBMS on a financial system (or associated with the e-LoU Bank Management System) provided on the e-Lo Bankbook Management System, or the e A predetermined server (e.g., the information management server or information described above) in a predetermined system (or system (e.g., the information management system or information processing system described above) associated with the SOF management system (or financial system) Processing server, etc.).

9 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

In more detail, FIG. 9 shows an e-book management system shown in FIG. 8, wherein a predetermined customer terminal is provided in the e-book management system through a TCP / IP based network (eg, the Internet). When accessing the Internet banking server 800 (or e-social bank management server, etc. provided in the Internet banking system), the Internet banking-based financial transaction channel (or e-soho) between the customer terminal and the Internet banking server 800 Bank account management channel), and check and extract the e-book account information corresponding to the authenticated customer information (or customer authentication information) from the Internet banking server 800, and extract the e-book account information. The present invention relates to an implementation method of performing an authentication procedure for the access customer, in order to apply to the e-social account management or a predetermined financial transaction requested by the customer. Those skilled in the art may refer to or modify this drawing to perform various authentication procedures using an internet banking-based financial transaction channel (or e-book management channel) between the customer terminal and the Internet banking server 800. It will be possible to infer a method of doing this, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to an embodiment of the present invention, the figure 9 is connected to the Internet banking server 800 through a predetermined browser program (for example, Microsoft Internet Explorer, Netscape's Netscape Navigator, etc.) provided in the customer terminal. Upon connection, an internet banking based financial transaction channel (or e-social account management channel) for a predetermined financial transaction using internet banking is performed between the client terminal and the internet banking server 800 based on the browser program. Although the method is illustrated, those skilled in the art to which the present invention pertains may refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. Internet banking with the customer terminal based on the Internet banking program of Although it may be possible to infer an implementation method of connecting an Internet banking-based financial transaction channel (or an e-book management channel) for a predetermined financial transaction using the Internet banking between the servers 800, the present invention provides the Internet banking program. Internet banking-based financial transactions are provided that are based on the present invention, whereby the invention is not limited.

In addition, those skilled in the art to which the present invention belongs, the Internet banking system based on the Internet banking-based financial transaction channel (or e-soho bank management channel) connection method shown in FIG. In addition, another banking system such as a telebanking system or a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for financial transactions using Internet banking. It includes all types of non-face-to-face channel-based financial transactions, including telebanking systems or wireless banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is shown in FIG. It is by no means limited to.

Referring to FIG. 9, when a predetermined browser program is executed in a predetermined client terminal to access the Internet banking server 800 through the TCP / IP-based network (900), the Internet banking server 800 is connected to the browser. Connect a communication channel between the customer terminal and the Internet banking server 800 through (905), wherein the communication channel is a predetermined web at the request of the browser program provided to the customer terminal in the Internet banking server 800 At least one or more information (or data) generated (or extracted) and transmitted to the customer terminal and input (or selected) based on a predetermined user interface included in the web page in a browser program included in the customer terminal. It means that a predetermined communication session is allocated to receive a).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 800 may be configured to perform the Internet banking program based on a predetermined communication protocol defined in the internet banking program. A communication channel for transmitting and receiving at least one or more information (or data) may be allocated.

Thereafter, the internet banking server 800 includes a predetermined security module for internet banking on the customer terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the customer terminal. A predetermined security module for internet banking is installed in the customer terminal by adding a predetermined script for checking whether or not to update the security module. Check whether to update (910).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 800 requests the version information or the last update date information, etc. from the internet banking program, thereby the internet banking. You can check whether you want to update the program (or the security module associated with the Internet banking program).

If a predetermined security module is to be installed or updated in the client terminal (915), the Internet banking server 800 is connected to the client terminal according to a remote program installation procedure defined in the browser program. The banking security module is transmitted and mounted or updated (920).

If it is not necessary to mount or update the latest version of the security module for internet banking on the customer terminal (925) or to mount or update the security module for internet banking on the client terminal (915), the Internet banking server 800 ) By activating the security module for the Internet banking mounted on the customer terminal, connecting the security channel for Internet banking between the customer terminal and the Internet banking server 800 (or a communication channel between the customer terminal and the Internet banking server 800) To a secure channel), wherein the secure channel for internet banking is information required for security among information (or data) included in a web page to be provided to the customer terminal from the internet banking server 800. (Or the data) by attaching a predetermined digital signature or by providing at least one encryption method (or encryption algorithm) encrypted, the customer Means a communication channel for verifying the digital signature or decrypting the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm), and also for the customer terminal. Attaches a predetermined electronic signature to information (or data) to be provided to the internet banking server 800 for financial transactions using internet banking, or encrypts and transmits at least one encryption method (or encryption algorithm). Means a communication channel that allows the Internet banking server 800 to verify the digital signature or to decode the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). .

According to another embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the Internet banking-based secure channel is established in the Internet banking server 800 according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be provided to the terminal, or is encrypted and provided by at least one encryption method (or an encryption algorithm), the electronic terminal confirms the electronic signature or the encryption method (or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to an encryption algorithm), and the Internet banking server (for the financial transaction using the Internet banking in the customer terminal). Information (or data) to be provided as When the name is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the Internet banking server 800 verifies the electronic signature or predetermined decryption corresponding to the encryption method (or encryption algorithm). A communication channel for decoding the information (or data) by a method (or a decoding algorithm).

Here, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's official certificate mounted on the customer terminal.

When the secure channel for internet banking is connected, the internet banking server 800 requests the terminal to perform an internet banking customer authentication procedure through the browser program.

According to an 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 in the internet banking application process) through the customer terminal. And the like) are input (or generated) and transmitted to the Internet banking server 800, the Internet banking server 800 authenticates a customer connected through the customer terminal based on the customer authentication data as an Internet banking customer. In this case, it is preferable that the customer authentication data is transmitted through the digital signature or encrypted 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 registered by the customer in an internet banking application process or a customer through the customer terminal). Number, etc.) and input (or generate) to the authentication server, the authentication server authenticates the customer connected through the customer terminal as the Internet banking customer based on the customer authentication data, and the result is the Internet banking. It is made to include providing to the server 800, wherein the customer authentication data preferably comprises a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

After that, the customer terminal inputs (or generates) predetermined customer authentication data according to the request, digitally signs or encrypts the data through the security module, and transmits the data to the Internet banking server 800 (or authentication server). Requesting a customer authentication (940), the Internet banking server 800 (or authentication server) is based on the customer authentication data received from the customer terminal non-face-to-face channel-based financial transactions Authenticate as an internet banking customer for (945).

If the Internet banking customer authentication fails (950), the Internet banking server 800 blocks the Internet banking security channel for the customer terminal (955), the Internet banking-based financial transactions are not made through the customer terminal Do not handle.

On the other hand, if the Internet banking customer authentication is successful (950), the Internet banking server 800 converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the customer terminal, According to an embodiment of the present invention, the e-socket account information corresponding to the authenticated customer information (or customer authentication information) is retrieved from the storage medium and confirmed, and provided to the customer terminal (960).

10A and 10B illustrate a bill (or invoice) for a predetermined account, or a tax issued from the account by an e-Lower issuing customer connected to a financial institution through Internet banking according to an embodiment of the present invention. A diagram illustrating a process of confirming a bill.

In more detail, Figure 10a shows a TCP / IP (Transmission Control Protocol / Internet Protocol) of a financial transaction system operated by a customer (e.g., a store owner or a business owner) terminal that has been issued an e-Lower account according to the present invention. When an internet banking server 800 based on a network based on the network (eg, the Internet) and a communication channel for internet banking are connected, the e-social account information corresponding to the accessed customer information (or store information) is checked. And, as an implementation method for the process of the customer through the Internet banking management and additional service operation (e.g., bill (or bill) issuance and management, etc.) for the confirmed e-Lounge Bank information, Those skilled in the art may refer to or modify the drawings 10a and 10b to calculate a predetermined account by an e-book holder. It will be possible to infer various implementation methods for the process of issuing (or invoices) or verifying the tax invoice issued by the customer, but the present invention includes all the implementation methods inferred above and is shown in FIG. It is not limited to the method alone.

Hereinafter, in FIG. 10, the customer terminal shown in FIG. 8 is referred to as "terminal" for convenience, and the banking server is referred to as "server" for convenience.

Referring to FIG. 10A, when authentication of a customer accessing a server is completed through the process of FIG. 9, and the e-soho account related information of the customer is confirmed, the server sends a banking service menu and e to the customer terminal. -Provide a bank account management menu (1000a).

If the customer terminal selects a tax invoice issuing menu as shown in Fig. 11a of the e-social bankbook management menu according to the present invention from the provided menu (1005a), the server issues the tax invoice web page to the customer terminal. Provide 1010a.

The customer terminal inputs (or selects) 1015a the customer information through the provided tax invoice issuance webpage as shown in FIG. 12a, and if the customer information is not normally input (or selected) (1020a), the The server transmits an account information input (or selection) error message to the customer terminal (1025a), and the tax invoice issuing process is terminated, or the customer information input (or selection) process is performed.

On the other hand, if the customer information is normally input (or selected) as shown in Figure 12a below through the provided tax invoice issuing web page (1020a), the server electronically based on the input (or selected) tax invoice Issuance (generation) (1030a), and the issued (or generated) tax invoice is processed in association with the customer information and customer information and stored in the storage medium (1035a).

Thereafter, the server checks the communication means information corresponding to the account information, and transmits the tax invoice issuance history to the confirmed account communication means (1040a).

Referring to FIG. 10B, a tax invoice is issued from the customer's account (for example, an e-Locate issuing account, etc.) as in the process of FIG. 10A (1000b), and the server performs the connection authentication process of FIG. After the banking service menu and the e-book account management menu are provided to the customer terminal as shown in FIG. 11 below, the customer selects a tax invoice management menu from the e-book management menu (1005b). In operation 1010b, the server provides a tax invoice confirmation page to the customer terminal as shown in FIG. 12b.

When the server checks the tax invoice confirmation page from the client terminal to check whether the payment for the transaction price requested through the tax invoice (1015b), and when the customer requests payment for the transaction price (1020b), the The server checks the customer's e-book account information (or real account information) and the customer's e-book account information (or real account information) (1025b).

Thereafter, the server withdraws the amount of the tax invoice bill from the confirmed customer e-book (or real account), and transfers the withdrawal amount to the confirmed account e-book (or real account) ( 1030b).

In addition, the server processes the transfer processing details in association with the customer e-Losing Account (or real account) information and stores them in the storage medium, and further transfers the transfer processing details to the trading partner e-Loss Account (or real account). The information is stored in the storage medium in association with the information (1035b).

11 is a diagram showing a tax invoice issuing web page according to an embodiment of the present invention.

More specifically, Figure 11 is a TCP / IP (Transmission Control Protocol / Internet Protocol) of the financial transaction system operated by the customer (e.g., shop owner or business owner) terminal having been issued an e-Loss Account according to the present invention. When an internet banking server 800 based on a network based on the network (eg, the Internet) and a communication channel for internet banking are connected, the e-social account information corresponding to the accessed customer information (or store information) is checked. In addition, the present invention provides an example screen for providing a web page including a menu for management and supplementary service operation (eg, bill (or bill) issuance and management) for the identified e-social account information to the customer terminal. For those of ordinary skill in the art, reference to or modifying the present Figure 11 for e-soho passbook information provided to the customer terminal connected to the server Although various embodiments may be inferred for a web page including menus and additional service operations (e.g., bill (or bill) issuance and management, etc.), the present invention includes all such inferred embodiments. It is not limited only to the embodiment shown in FIG.

In particular, FIG. 11 is an exemplary diagram for selecting a tax invoice issue menu from the e-social bank management menu shown in FIG. 11, and selecting a tax invoice issue menu shown in FIG. 11 to issue a tax invoice for a predetermined account. Reference will be made to FIG. 10A.

12A and 12B illustrate a tax invoice input / confirmation web page according to an embodiment of the present invention.

In more detail, Figures 12a and 12b are TCP / IP (Transmission Control Protocol / TCP) of the financial transaction system operated by the customer in the terminal (e.g., shop owner or business owner) issuing the e-book account according to the present invention; When the Internet banking server 800 based on the Internet Protocol (based on the Internet, etc.) and the communication channel for Internet banking are connected, the e-soho account corresponding to the connected customer information (or store information) After confirming the information and providing a web page to the customer terminal, the web page including a menu for management and additional service operation (eg, bill (or bill) issuance and management, etc.) for the confirmed e-Lounge Bank information. Example of the tax invoice related page provided to the customer terminal when selecting the detailed tax invoice related menu (for example, tax invoice input / tax invoice confirmation) As a screen, a person having ordinary knowledge in the technical field to which the present invention belongs can manage and supplement the e-signbook information provided to the customer terminal connected to the server by referring to or modifying the drawings 12a and 12b. While various embodiments may be inferred for a web page that includes a menu of operations (eg, issuing and managing bills (or invoices), etc.), the present invention encompasses all of the embodiments inferred, as shown in FIG. 12A and FIG. It is not limited to only the embodiment shown in 12b.

FIG. 12A is an exemplary diagram of a tax invoice input (or selection) page provided to the customer terminal when the customer selects a tax invoice input (or selection) menu. It is preferable to refer to the information previously registered by the customer (for example, customer information input during the e-Locate issuance process) and the customer information input (or selected) through the information registration system shown in FIG.

For example, when the customer selects mutual (or corporate name) information among the customer information on the tax invoice input (or selection) page, the at least one customer information previously registered by the customer is displayed, and the customer has the tax invoice When selecting a customer to issue, the account related tax invoice entry item may be automatically entered.

12B is an embodiment of a page provided when the customer issues a predetermined tax invoice to the customer, when the customer connects to the server and selects a tax invoice confirmation menu issued by the customer. If the user clicks (or selects) a payment item for the tax invoice amount in the lower menu, the payment for the tax invoice amount may be automatically performed as shown in FIG. 10B.

13 is a view showing a management web page such as a bill according to an embodiment of the present invention.

More specifically, Figure 13 is a TCP / IP (Transmission Control Protocol / Internet Protocol) of the financial transaction system operated by the customer (e.g., shop owner or business owner) terminal that has been issued an e-Loss Account according to the present invention. When an internet banking server 800 based on a network based on the network (eg, the Internet) and a communication channel for internet banking are connected, the e-social account information corresponding to the accessed customer information (or store information) is checked. In addition, the present invention provides an example screen for providing a web page including a menu for management and supplementary service operation (eg, bill (or bill) issuance and management) for the identified e-social account information to the customer terminal. For those of ordinary skill in the art, referring to or modifying this drawing 13, the e-soho account information provided to the customer terminal connected to the server can be obtained. Although various embodiments may be inferred for a web page including menus and additional service operations (e.g., bill (or bill) issuance and management, etc.), the present invention includes all such inferred embodiments. It is not limited only to the embodiment shown in FIG.

In particular, FIG. 13 is an exemplary diagram of selecting a management menu such as a tax invoice from the illustrated e-Loss Bankbook management menu, and selecting the tax invoice management menu (or detailed menu) shown in FIG. As shown in FIG. 14, a detailed tax invoice management menu may be provided.

14 is a diagram showing a monthly tax invoice management web page according to an embodiment of the present invention.

More specifically, FIG. 14 is a screen example of a monthly tax invoice management web page provided to a customer terminal when a monthly tax invoice management menu is selected from the tax invoice management webpage shown in FIG. 13. Those skilled in the art will be able to infer various embodiments of the monthly tax invoice management web page provided to the customer terminal connected to the server by referring to or modifying the drawing 14. The invention includes all the embodiments inferred above and is not limited to the embodiment shown in FIG.

Referring to FIG. 14, the monthly tax invoice management web page distinguishes and outputs a tax invoice (eg, sales tax invoice) issued in the month and a tax invoice (eg, purchase tax invoice) issued from the customer. do.

According to the present invention, an e-SOHO account book (O / A bank account) supports to create and send a bill through the management interface, by connecting the bill directly to the e-SOHO bank account (O / A account) of the other party, One -Clik allows you to process payments, so you don't have to keep paper bills or tax invoices.

In addition, there is an advantage that it is possible to issue and manage the bills and tax invoices electronically, there is an advantage that can easily handle the VAT declaration process in connection with the accounting office.

Claims (1)

Managing transaction log record information including transaction information for each entry / exit amount of the entry / exit transactions of the merchant account in the ledger entry information stored in the ledger corresponding to the merchant account, payment approval through the credit card and the purchase of the slip Credit card sales and settlement account management information, billing management and shipping information to manage the sending and receiving of bills of merchants, bill management and issuing information to handle the billing of merchants, accounting office information and accounting settlements associated with merchants Information registration means configured to record and include one or more accounting office-linked business management information for managing information items to be provided to the accounting office for; Interface that provides a user interface for creating and transmitting bills (or tax invoices) based on transaction log record information and credit card sales and payment account management information included in the bank account entry information corresponding to the merchant account to the terminal of the merchant. Providing means; Information receiving means for receiving one or more billing (or tax invoice) filling information and billing target (or tax invoice issuing object) customer information (or account information) created through the user interface from the merchant terminal; And The billing management (or tax invoice) information is processed in connection with the billing target (or tax invoice issuing) customer information (or account information), and the billing management and shipping information (or Billing (or bill) processing system using a merchant account, comprising; information processing means for processing to be stored in the bill management and issued information).

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