KR20090007546A - System for repayment of charging amount of card related online account - Google Patents

Abstract

A system for refunding a recharging amount of an online account-linked card is provided to repay the amount recharged in the online account-linked card conveniently and simply by offsetting the refunding amount in an online account linked with the online account-linked card and cancelling a payment approval for recharging the online account-linked card. A refunding amount checker(6330) checks a refunding amount among a recharging amount deposited in an online account linked with a card. A refunding processor(6335) processes refunding by offsetting the refunding amount in the online account. A payment approval canceller(6340) cancels a payment approval for the recharging amount.

Description

System for Repayment of Charging Amount of Card Related Online Account}

1 is a diagram illustrating an online account registration system in the form of a virtual account according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

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

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

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

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

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

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

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

10 is a diagram illustrating an online account registration system that is temporarily processed in the form of a prepaid card according to another embodiment of the present invention.

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

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

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

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

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

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

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

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

19 is a diagram illustrating a card issuing system for issuing an online account linked card according to an embodiment of the present invention.

20 is a diagram illustrating the configuration of online account linked card ledger information according to an embodiment of the present invention.

21 is a diagram illustrating an information providing process for issuing an online account link card according to an embodiment of the present invention.

22 is a diagram illustrating an information providing process for issuing an online account link card according to another embodiment of the present invention.

23 is a diagram illustrating a process of issuing an online account link card according to an embodiment of the present invention.

24 is a diagram illustrating a face-to-face confirmation system for limit adjustment through face-to-face verification of an online account link card according to an embodiment of the present invention.

25A and 25B illustrate a face-to-face verification process for an online account link card according to an embodiment of the present invention.

26A and 26B illustrate a face to face verification process for an online account link card according to another embodiment of the present invention.

27A and 27B illustrate a face-to-face verification process for an online account link card according to another embodiment of the present invention.

28 is a diagram illustrating a face-to-face information registration system for charging an online account linked card according to an embodiment of the present invention.

29 is a view showing the configuration of the card charging information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for the charging of the online account linked card according to an embodiment of the present invention.

30 is a view showing the configuration of the card charge information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face for the charging of the online account link card according to another embodiment of the present invention.

31 is a view showing the configuration of the card charging information stored in the DBMS provided in the payment server in a face-to-face for charging the online account linked card in accordance with another embodiment of the present invention.

32 is a diagram illustrating a process of registering card charging information in a face-to-face manner according to an embodiment of the present invention.

33 is a diagram illustrating a non-face-to-face information registration system for charging an online account linked card according to another embodiment of the present invention.

34 is a view showing the configuration of the card charging information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the charging of the online account linked card in accordance with an embodiment of the present invention.

35 is a view showing the configuration of the card charging information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to charge the online account link card according to another embodiment of the present invention .

36 is a view showing the configuration of the card charging information stored in the DBMS provided in the payment server in a non-face-to-face for charging the online account linked card in accordance with another embodiment of the present invention.

37 is a diagram illustrating a process of registering card charging information in a non-face-to-face manner for charging an online account linked card according to an embodiment of the present invention.

38A and 38B illustrate a process of registering card charging information in a non-face-to-face manner for charging an online account linked card according to another exemplary embodiment of the present invention.

39 is a diagram illustrating a card charging system for charging an online account linked card in a face-to-face manner according to one embodiment of the present invention.

40 is a diagram illustrating a relationship between a charge amount charged in an online account link card and an online account deposit amount according to an embodiment of the present invention.

41 is a diagram illustrating a payment processing procedure for charging an online account linked card in a face-to-face manner according to an embodiment of the present invention.

42 is a diagram illustrating a process of settlement of a recharge amount charged to an online account link card through a face-to-face method according to one embodiment of the present invention.

43 is a diagram illustrating a card charging system for charging an online account linked card in a non-face to face manner according to another embodiment of the present invention.

44 is a diagram illustrating a relationship between a charge amount charged in an online account link card and an online account deposit amount according to another embodiment of the present invention.

45 is a diagram illustrating a payment processing process for charging an online account link card in a non-face-to-face manner for charging an online account link card according to an embodiment of the present invention.

46A and 46B illustrate a payment processing process for charging an online account link card in a non-face-to-face manner for charging an online account link card according to another embodiment of the present invention.

FIG. 47 is a diagram illustrating a process of processing a payment amount charged to an online account link card through a non-face-to-face method according to another exemplary embodiment of the present invention.

48 is a diagram illustrating a face-to-face information registration system for automatic charging of an online account link card according to an embodiment of the present invention.

49 is a view showing the configuration of the card charging information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for the automatic charging of the online account link card according to an embodiment of the present invention.

50 is a view showing the configuration of the card charging information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face for the automatic charging of the online account link card according to another embodiment of the present invention .

FIG. 51 is a diagram illustrating card charging information configuration stored in a DBMS provided in a payment server in a face-to-face manner for automatic charging of an online account linked card according to another embodiment of the present invention.

52 is a view illustrating a process of registering card charging information in a face-to-face manner according to an embodiment of the present invention.

53 is a diagram illustrating a non-face-to-face information registration system for automatic charging of an online account link card according to another embodiment of the present invention.

54 is a view showing the configuration of the card charging information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the automatic charging of the online account link card according to an embodiment of the present invention.

55 is a view showing the configuration of the card charging information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the automatic charging of the online account link card according to another embodiment of the present invention to be.

56 is a view showing the configuration of the card charging information stored in the DBMS provided in the payment server in a non-face-to-face for the automatic charging of the online account linked card in accordance with another embodiment of the present invention.

57 is a diagram illustrating a process of registering card charging information in a non-face-to-face manner for automatic charging of an online account linked card according to an embodiment of the present invention.

58A and 58B illustrate a process of registering card charging information in a non-face-to-face manner for automatic charging of an online account link card according to another exemplary embodiment of the present invention.

59 is a diagram illustrating a card charging system for charging an online account linked card according to an embodiment of the present invention.

60 is a diagram illustrating a relationship between a charge amount charged in an online account link card and an online account deposit amount according to an embodiment of the present invention.

61 is a diagram illustrating a payment processing process for automatic charging of an online account link card according to an embodiment of the present invention.

FIG. 62 is a diagram illustrating a process of processing a settlement amount automatically charged to an online account link card according to an embodiment of the present invention.

FIG. 63 is a diagram illustrating a face-to-face refund system for refunding a charge for an online account linked card according to an embodiment of the present invention.

64 is a diagram showing a refundable amount of money charged in an online account link card according to an embodiment of the present invention.

65 is a diagram illustrating a process for refunding a charge for an online account linked card in a face-to-face manner according to an embodiment of the present invention.

FIG. 66 illustrates a non-face-to-face refund system for refunding payments for an online account link card according to another embodiment of the present invention.

67 is a diagram showing a refundable amount of money charged in an online account link card according to another embodiment of the present invention.

FIG. 68 is a view illustrating a process of refunding a payment for an online account link card in a non-face-to-face manner in order to refund the payment for the online account link card according to an embodiment of the present invention.

<Description of main parts of drawing>

1900 Web Server 1905 Interface

1910: Interface provider 1915: Web service unit

1920: information receiving unit 1925: information storing unit

1930: information relay unit 1935: storage medium

1940: customer terminal 1945: card issue server

1950: information receiving unit 1955: card information generating unit

1960: Limit amount calculation unit 1965: Ledger information generation unit

1970: ledger processing unit 1975: card issuer

1980: Shipping Processing Department

The present invention provides a refund amount checking means for checking the refundable amount of the deposit amount deposited in the online account associated with the card at the time of processing a refund of the charged amount charged to the online account linked card, and the refundable amount from the online account. The present invention relates to an online account-linked card refund amount refund system including a refund processing means for performing a refund processing in advance and a payment approval withdrawal step for canceling payment authorization for the charge amount.

With the rapid development of information and communication technology and the convergence of the above-described advanced information and communication technology and financial services, various online account services will be attempted to open and operate a predetermined account online without visiting a window. Is expected to involve a card issuing service that issues a card associated with the online account in a face-to-face manner.

However, when issuing the online account link card in a non-face-to-face manner, if the online account link card is to be used in the same way as a card issued in the conventional face-to-face, side effects or inconveniences caused by the non-face-to-face card issuance It is expected to occur, which includes a problem that can act as a fatal flaw in the online account service and the online account linked card service.

In addition, a similar field to which the present invention is applied may include charging a predetermined online prepaid card through a credit card, and the like, when refunding the amount charged to the online prepaid card through a conventional credit card, After the payment for the payment is made, the payment is canceled (e.g., a Bucks Card, etc.), or 170 days after the payment is canceled, the refund amount is refunded (e.g., an all-at-card, etc.). Not only takes a long period of time, but also includes a problem that requires a lot of time and effort for the customer to check whether the charged amount is normally refunded.

An object of the present invention for solving the above problems, the refund amount confirmation means for confirming the refundable amount of the deposit amount deposited in the online account associated with the card, when processing the refund amount charged to the online account linked card; The present invention provides an online account linked card charge amount refund system including a refund processing means for processing a refund by deducting the refundable amount from the online account and a payment approval cancellation means for canceling payment approval for the charged amount.

The online account linked card charge amount refund system according to the present invention, the refund amount checking means for checking the refundable amount of the deposit amount deposited in the online account associated with the card when processing the refund amount charged to the online account linked card And a refund processing means for refunding the amount subject to the refund in advance from the online account and a payment approval canceling means for canceling payment approval for the charged amount.

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 are used to properly modify, integrate, or separate the terminology so that those skilled in the art can clearly understand the essential technical features of the present invention. However, the present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 online account registration system in the form of a virtual account according to an embodiment of the present invention.

In more detail, FIG. 1 shows an online account application information for opening an online account from a predetermined customer terminal 140 to a predetermined web server 100 through a predetermined network means. By providing the online account application information provided from the customer terminal 140 to a predetermined information processing server 145 provided at a predetermined financial institution at 100, the information processing server 145 is provided with the online account application information. As a system configuration for opening a corresponding online account, specifically, an online account in the form of a virtual account having a real account in which the online account is operated by a predetermined web server 100 operating institution (or a financial institution) is opened. It is a figure which shows the system configuration.

Those skilled in the art to which the present invention pertains, the virtual account form of the parent account of the real account operated by the web server 100 operating institution (or financial institution) by referring to and / or modifying the Figure 1 Although it is possible to infer an implementation method for a system for registering various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering an online account in the form of a pseudo-new account which introduces the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account whose real account is operated by an operating institution (or a financial institution) of the web server 100 may be used. , By accessing a predetermined web server 100 (e.g., a portal server, etc.) through a predetermined network means (e.g., real-name financial transactions and confidentiality laws and concurrent orders (Presidential Decree 15744) Customer terminal (1) requesting the registration (or opening) of the online account without verifying the real name of the financial account) and providing the online server application information corresponding to the registration (or opening) of the online account to the web server (100). 140 is connected to the customer terminal 140 through a predetermined network means to receive predetermined online account application information from the customer terminal 140 and receive the received online account. A web server 100 for providing information to an information processing server 145 provided at a predetermined financial institution, and the web server 100 is connected to the web server 100 through a predetermined communication means, and the online account from the web server 100. An information processing server 145 which receives the application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It has a financial system for managing the processed online account.

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

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

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

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

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 140 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the server 100, and receives a variety of application services provided by the web server 100.

Here, the wired terminal connected to the wired communication network among the customer terminals 140 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server 100 is a search service including at least one information / content to the customer terminal 140 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or search server that provide personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information provision services. It is preferable.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 140 is sold to (or requested to be opened) to at least one or more customers online by the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 100 is at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired and / or wireless communication network To the customer terminal 140, wherein the customer terminal 140 inputs (or selects) the predetermined online account application information through the user interface to establish the wired communication network and / or the wireless communication network. It characterized in that the transmission to the web server 100 via a network means including.

To this end, the client terminal 140 outputs at least one user interface provided from the web server 100, and inputs and / or selects at least one online account application information through the user interface to the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the customer terminal 140 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the web server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

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

According to an embodiment of the present invention, when the customer terminal 140 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and And / or connect a predetermined communication channel with the customer terminal 140 based on a protocol stack defined in a wireless network, and use at least one or more communication protocols defined in a communication program included in the customer terminal 140. It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 140, the interface unit 105 is connected to the client terminal 140 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 140 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 140 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 embodiment of the present invention, when the customer terminal 140 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 140 and using at least one communication protocol defined in a communication program provided in the customer terminal 140 to transmit and receive at least one information (or data). Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 140, the interface unit 105 is based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, the web server 100 is connected to the web server 100 through a predetermined client terminal 140 and / or to apply for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 140 to input (or select) and transmit predetermined online account application information. A predetermined online account for inputting (or selecting) the interface providing unit 110 provided to the customer terminal 140 and the user terminal 140 through the user interface in cooperation with the interface unit 105. The information receiving unit 120 for receiving the application information and the information relay unit 130 for providing the received online account application information to the information processing server 145 provided in the financial institution through a predetermined communication means, Done It is characterized by losing.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 140, the search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 140 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 is applied for the online account received from the customer terminal 140 through the information receiving unit 120 for the post-management of the online account application information received through the information receiving unit 120. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 145 based on the online account application information on a predetermined storage medium 135. Characterized in that it further comprises a storage unit 125, wherein the online account issuing information is the online account security information received from the customer terminal 140, the new provision processing agreement information (or new application information), virtual At least one or more account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable.

The interface providing unit 110 has a function provided in the customer terminal 140 when a predetermined customer terminal 140 accesses the web server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface 140 with the user interface 140 through the network means the user interface generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 105. It is done.

Thereafter, the client terminal 140 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 100 through the network means. To send).

According to an embodiment of the present invention, when the customer terminal 140 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is preferable to provide a user interface (extracted from) to the customer terminal 140.

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 105. It is preferable to provide a user interface extracted from the) to the customer terminal 140.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the client terminal 140 in the web server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 140 and confirming that the customer has confirmed the online account product detail information. Alternatively, when the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may correspond to the online account product. Online Account Product Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 140, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account application information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 140 and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; And an interface for inputting predetermined financial account information (e.g., original account information for depositing a predetermined amount of money into an online account) deposited into an account.

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

Thereafter, the customer terminal 140 selects at least one online account product to which the customer applies (or purchases) among the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Send to 100.

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

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

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 140 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisional provisions (for example, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 140, The interface for confirming consent for this may be omitted.

If the customer terminal 140 is provided with an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information), the client terminal 140 agrees to the provisional processing through the interface. After inputting (or selecting) information (or provisional application information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 100 through the network means. Alternatively, or further including the provisional processing agreement information (or provisional application information) in the online account application information to transmit to the web server 100 via the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to further include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the client terminal 140, the client terminal 140 transmits the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 140) outputting the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are a financial transaction customer of a financial institution, the above interface may be omitted. Or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the inputted (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 140. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel Outputs non-face-to-face financial transaction terms and conditions information (e.g., internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 140, the customer terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

When the customer terminal 140 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 140 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 140 sends the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 140 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 140 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 140 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 140. In this case, the virtual account processing information is included in the online account application information and transmitted, and the information receiving unit 120 interoperates with the interface unit 105 to perform virtual account processing information including the mother account management institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 140 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 140. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the client terminal 140 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 140, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay 130 and / or. Or to the information storage unit 125.

The information storage unit 125 may include the online account application information received through the information receiving unit 120 in an online account issuance information and store the information in a predetermined storage medium 135. The server 100 (or the web server operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information obtained by linking the online account security information to the online account application information. And the online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuing information linked to the information) in the storage medium 135, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 135, the virtual account processing information is the financial real name of the online account in the web server 100 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on a virtual account that is the parent account of the web server 100 operating institution (or financial institution) until confirmation.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 135, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored on the web. The server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125 is opened by the information processing server 145 when a predetermined online account corresponding to the online account application information is opened, the web server 100 (or the And store the online account information opened by the information processing server 145 in the online account issuing information in order to process at least one or more financial transactions using the online account in the financial transaction server using the online account. It is preferable to replace the online account application information stored in the medium 135 or included in the online account issuance information with the online account information opened by the information processing server 145, thereby limiting the present invention. No.

Here, the online account information is included in the online account number in the form of a virtual account number generated by the provisional opening unit 155 and the virtual account processing unit 160 of the information processing server 145, and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server 100 operating institution information and the financial institution information that the online account is opened.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 145 provided in the financial institution).

Here, the communication means for connecting the web server 100 and the information processing server 145, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 145, and / Alternatively, the secure communication network (eg, the web server 100 encrypts the online account application information by a predetermined encryption method) to provide a secure communication function between the web server 100 and the information processing server 145. 145, and a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 145).

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying to the information processing server 145 provided at the financial institution, in which the online account corresponding to the product is opened, whereby the information processing server 145 transmits the web to the financial system provided at the financial institution. The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 145 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 145 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the transmission to the information processing server 145 provided in the financial institution (in which the online account corresponding to the product) is opened, whereby the information processing server 145 allows the online account application customer to Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 145 provided at a financial institution corresponding to the product (for example, an online account corresponding to the online account is opened). An online account corresponding to the online account application information is opened in a financial account provided at a financial institution in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 145 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 145 establishes an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the web server 100 processes the financial transaction using the online account.

According to another exemplary embodiment of the present invention, when the information processing server 145 is equipped with a web server 100 function and / or the information processing server 145 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 140 and the information processing server 145 to thereby relay the online account application information (and / or a new provision) from the customer terminal 140 at the information processing server 145. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 145 is connected to the on-line from the customer terminal 140 via a predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) It is possible to directly receive transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 145 relays at least one web server 100 and the information processing server 145, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 145 and / or relays the at least one web server 100 and the at least one information processing server 145. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 145 is the online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 100 via the communication means, and Information receiving unit 150 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) And a new provision opening unit 155 for opening a new online account corresponding to the online account application information received through the information receiving unit 150 in association with a predetermined financial system, and the online established with the new provision. The virtual account processing unit 160 for processing an account in the form of a virtual account of a real account operated by the web server 100 operating institution (or a financial institution) as a parent account, and the online account of the virtual account type is online. The real estate management unit 165 which manages before real name verification for a customer account holder and the real name of the customer who applies for the financial transaction for the online account opened as a new establishment corresponding to the online account application information within a predetermined real name verification period When the real name of the real name confirmation unit 170 and the online account opened as a new provision in response to the online account application information is confirmed, the new online account is processed as a new financial account. It is characterized by comprising a new account processing unit 175.

The information receiving unit 150 may provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 100 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)) is provided to the new provision establishment unit 155.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or online information provided from the web server 100 according to one embodiment of the present invention). Financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) is encrypted, the information receiving unit 150 the encrypted online account application information (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)).

The new provision establishment unit 155 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)) and / or online from the web server 100 through the information receiving unit 150. If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or In addition Is characterized by opening a new online account corresponding to the financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the new provision establishment unit 155 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

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

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

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

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

* That is, the new provision opening unit 155 is the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 100, and / or the online account External systems provided in the financial system based on security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in association with the information system, and provides the result to the virtual account processor 160.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 160 is a parent account operating the online account (or online account ledger) opened by the new provision opening unit 155 in the web server 100 operating institution (or financial institution) It is characterized in that the processing into a virtual account.

According to the embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable that the real account operated by the web server 100 operating institution (or financial institution) is treated as a virtual account before the real name verification of the online account is performed. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the web. The server 100 may include virtual account ledger information (eg, ledger information including an account number conforming to the virtual account number system) using a real account operated by an operating institution (or a financial institution) in this case. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

Subsequently, the new provision management unit 165 manages the real account operated by the web server 100 operating institution (or financial institution) until the real name verification for the online account application customer is established as the new account as the parent account. It is characterized by operating by processing to a virtual account.

According to an embodiment of the present invention, the provisional management unit 165 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when the predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provision management unit 165 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the new management unit 165 operates the interest in the web server 100 operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form of the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 100 operating institution (or financial institution) as a parent account, the new provision management unit 165 is financed until the online account is verified real name. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 170 is the law on the financial real name trading and confidentiality while the online account opened by the new provision establishment unit 155 is managed by the new provision management unit 165, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name checking unit 170 checks whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account applying customer in the institution), the real name verification unit 170 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the If the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 170 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 170 is a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 170 is provided in the financial system (or provided in the financial institution) to confirm the real name for the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 170 is a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 170 to verify the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 170 generates real name verification information for the online account application customer and provides the new account processing unit 175 to the new account processor 175. do.

Or, if the real name for the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 170 generates unreal name verification information for the online account request customer to the new account processing unit 175 To provide.

When real name verification information is provided from the real name verification unit 170 including the real name of the online account requesting customer within the real name verification period, the new account processing unit 175 is connected to the financial system. The online account processed as a new provision by the new provision opening unit 155 and / or the new provision management unit 165 may be treated as a valid new financial account.

According to an embodiment of the present invention, when real name verification information is provided from the real name verification unit 170 including the real name of the online account request customer confirmed within the real name verification period, the new account processing unit 175 Is valid for all financial transactions on the online account processed by the new provision opening unit 155 and / or the new provision management unit 165 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 175 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 175 retracts (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system to the online account. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal preventing function by being processed into an account, the new account processing unit 175 may be configured as an external system provided in the financial system. Or by canceling the withdrawal prevention function of the online account processed with the virtual account with the withdrawal prevention function in association with the information system, and providing (or erasing) the virtual account function associated with the new account processing mother account. Preferably with the account, whereby the online account processed under the provisional provisions is transferred to a valid new financial account for all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 175 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 150 may set the online account opening date to the web server 100. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), or a date when the temporary opening unit 155 opens the online account on the financial system as a temporary opening. It is desirable to apply retrospectively as of the date.

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

In more detail, Figure 2 shows the ledger information stored in a predetermined ledger D / B 200 provided in the DBMS on the financial system shown in Figure 1 of the operating institution (or financial institution) of the web server 100. As shown in FIG. 2, the online account ledger information is stored according to the virtual account ledger information in a virtual account ledger having a real account as a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. 2. Various information for storing online account ledger information according to the virtual account ledger information in a virtual account ledger which is a parent account of the web server 100 operating institution (or financial institution) in the ledger D / B. Although the construction method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial When the customer's ledger of the customer who opens the online account is already provided in the ledger D / B 200 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). At least one financial account of the financial account of the web server 100 operating institution (or financial institution) corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is desirable to.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger is a parent account of a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 1 of at least one financial account corresponding to the web server 100 operating institution (or financial institution). The account ledger corresponding to the relational relationship, characterized in that the virtual account ledger information comprises an information structure further comprises the mother account number and the mother account management institution information in the basic account ledger information, such as the account ledger. It is characterized by.

That is, as shown in FIG. 2, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the configuration of the virtual account ledger information associated with the account ledger of the web server 100 operating institution (or financial institution), and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

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

In more detail, FIG. 3 shows a web server through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B 300 included in a DBMS on the financial system shown in FIG. 100) shows an information structure for linking a real account of an operating institution (or a financial institution) in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or modify and link a predetermined online account ledger to the ledger D / B through a virtual account processing information in the form of a virtual account having a real account of an operating institution (or a financial institution) of the web server 100 as a parent account. Various information construction methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store the online account customer ledger information that registers the online account of the virtual account type associated with the parent account which is the real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B 300 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among an online account number and a financial account of the web server 100 operating institution (or financial institution). By including as the additional information the mother account number corresponding to the mother account, and the predetermined account information processing information including at least one or more of the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) by And processing the online account into a virtual account having a financial account of the web server 100 operating institution (or a financial institution) as a parent account, wherein the virtual account processing information is the online account shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 140 on the registration system.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

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

In more detail, FIG. 4 shows a predetermined virtual account as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in FIG. Through the processing information, the real account of the web server 100 operating institution (or financial institution) is linked in the form of a virtual account having a parent account, and the new account processing information for processing a predetermined hidden account is further added to the online account ledger. As the information structure for cooperative processing is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to and / or modify this drawing 4 to store a predetermined online account ledger in the ledger D / B. Through the account processing information, a variety of information configuration methods for processing as a new account by linking a real account of the web server 100 operating institution (or financial institution) in the form of a virtual account as a parent account Would be chuhal, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 4.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers, in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where the customer ledger of the customer who opens the online account is already provided in the ledger D / B 400 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among an online account number and a financial account of the web server 100 operating institution (or financial institution). Additional information includes predetermined virtual account processing information including at least one parent account number corresponding to the parent account and at least one of the parent account manager information (for example, web server 100 manager information (or financial institution) information). By doing so, the online account is treated as a virtual account having a financial account of the management institution (or financial institution) of the web server 100 as a parent account, wherein the virtual account processing information is shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 140 on the account registration system.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information about the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 155 and / or provisional management unit 165 of the information processing server 145 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system, and the online account Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is linked and stored as additional information corresponding to the online account ledger, and the new provision processing information is received online from the customer terminal 140 on the online account registration system shown in FIG. It is preferably generated based on the account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 1, the provisional processing agreement information (or the provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When this deposit is made, as the amount information deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

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

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

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined online account request user interface to the customer terminal 140, the user terminal 140 requests the online account request user interface. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process of providing to the information processing server 145 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, the customer terminal 140 by referring to and / or modified in this figure 5 However, various methods of providing the online account application information to the information processing server 145 through the web server 100 may be inferred. It includes all the additional implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the web server 100 to the customer terminal 140, in addition to the online account application information in the customer terminal 140, the provisional processing agreement information (or provisional application information), and / or It may be possible to infer a method of providing online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). In the present invention, the customer terminal 140, the new provision processing agreement information (or new provision application information), and / or online account security information, and / or financial transaction application information, / Or virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 145 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypted and transmitted face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 145 transmits the online account application information (and / or false transaction processing information (or false application information)). And / or decryption of online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server 100 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 140 While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Thus, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the online account subscription user interface is subscribed online from the customer terminal 140. Periodically checks if a predetermined online account request user interface is requested for the payment (510), if the financial product request interface is requested from the customer terminal 140 (515), the web server 100 is Generate a predetermined online account application user interface to be provided to 140 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the client terminal 140 inputs (or selects) predetermined online account application information through the online account application user interface (530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 140 transmits the online account application information to the web server 100 through the network means (535).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

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

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the verification of the financial real name for the online account) is output to the customer terminal 140, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 140 is provided, the customer terminal 140 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the client terminal 140, the client terminal 140 transmits the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is first connected to the financial institution by the client terminal 140. And an interface for outputting financial transaction application terms and conditions for processing a financial transaction and confirming that the customer has agreed to the financial transaction application terms.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., If not an Internet banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the online account application user interface, at the customer terminal 140, at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction via For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 140, the customer terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operating institution) and the information processing server 145 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 145 through a predetermined communication means (545), and the information processing server 145 transmits the web through the communication means. The online account application information provided from the server 100 is received (550).

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

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined online account request user interface to the customer terminal 140, the user terminal 140 requests the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decrypt the online account application information by the web server 100 The process of providing the online account application information to the information processing server 145 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the client terminal 140 to the information processing server 145 through the web server 100. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the online account request information is provided from the customer terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 140, in addition to the online account application information in the customer terminal 140, the provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 140, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and And / or a method of providing virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 145 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypted and transmitted face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 145 transmits the online account application information (and / or false transaction processing information (or false application information)). And / or decryption of online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 6, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605). At this time, the web server 100 provides the web-based service provided to the customer terminal 140 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 140. It is periodically checked whether a predetermined online account request user interface is requested (610). If the financial product request interface is requested from the customer terminal 140 (615), the web server 100 is a predetermined security Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) equipped with the function (620), and send the online account application user interface to the mobile terminal through the network means; Provided (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 140 by a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

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

Thereafter, the client terminal 140 inputs (or selects) predetermined online account application information through the online account application user interface (630), and the online account application information is applied (or purchased) by the customer. At least one online account product selection information for selecting at least one online account product, at least one agreement information corresponding to the online account product, the online account deposit amount information, and customer information for the customer applying for the online account; It is preferable to make it.

When the online account application information is input (or selected) as described above, the customer terminal 140 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

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

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information that states that the online account is processed as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the verification of the financial real name for the online account) is output to the customer terminal 140, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 140 is provided, the customer terminal 140 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the client terminal 140, the client terminal 140 transmits the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 140 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 140, the at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction Internet banking subscription terms information, wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.), the non-face-to-face financial transactions that the customer agrees to the non-face-to-face financial transaction terms information Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction to process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 140, the customer terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operating institution) and the information processing server 145 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 145 through a predetermined communication means (645), and the information processing server 145 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

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

In more detail, FIG. 7 opens a predetermined online account based on the online account application information provided from the web server 100 in the information processing server 145 shown in FIG. 1, and sets the online account to the web server. (100) Process for processing a real account operated by an operating institution (or a financial institution) as a virtual account as a parent account, and those skilled in the art to which the present invention pertains, refer to FIG. 7 and / or Alternatively, based on the online account application information provided to the information processing server 145 shown in FIG. 1, a real account for operating the online account in the web server 100 operating institution (or financial institution) as a parent account. It will be possible to infer various implementation methods for processing with a virtual account, but the present invention includes all the implementation methods inferred, whereby the present invention is not limited. The.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 145. However, the present invention may be applied to those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 145. However, the present invention provides the information processing server 145 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 145 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or 6, predetermined online account application information (and / or false transaction processing information) from the web server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Is received, the server may send the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual The account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 140 through a predetermined network means, thereby completing the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed as a virtual account which is operated by the web server 100 operating institution (or financial institution) as a parent account in connection with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the web server 100 operating institution (or a financial institution) to the provisional processing information added to the online account ledger as shown in FIG. By adding a mother account number, the virtual account which makes a real account which manages the ledger corresponding to the said online account opened by the said provisional opening establishment part 155 by the web server 100 operation institution (or financial institution) as a mother account It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. By linking the virtual account processing information including the mother account information in a relational manner, the web server 100 operating institution (or financial institution) corresponding to the ledger corresponding to the online account opened by the provisional opening section 155 It is preferable to process a real account to be used as a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 400 where the online account ledger is registered as shown in FIG. It is preferable to treat the ledger corresponding to the online account opened by the provisional opening unit 155 as a virtual account whose mother account is the real account operated by the web server 100 operating institution (or financial institution). .

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

In more detail, FIG. 8 illustrates a real account operated by the web server 100 operating institution (or financial institution) through the online account registration system shown in FIG. 1 through the process shown in FIG. A process for performing a real name verification process for an online account processed as a virtual account to process a predetermined new financial account. Specifically, the name verification expiration date is automatically extended so that at least one or more through the online account is not required without real name verification. It is about how to continuously provide financial transactions.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 145 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The 800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a tele Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

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

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server uses a virtual account that has a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (820), to continuously provide at least one financial transaction through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (825), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. If so, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, thereby providing the online. It is desirable to treat the account as a new financial account with a real name.

Afterwards, the server preferably retroactively processes the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (835).

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

In more detail, FIG. 9 illustrates a real account operated by an operating institution (or a financial institution) of the web server 100 through the process shown in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it as a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is converted into an original account (eg, The present invention relates to a method for retrieving a financial account (or another online account) in which a predetermined amount is transferred to the online account, and dormant processing the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account 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.

In the following Figure 9, the information processing server 145 on the online account registration system shown in Figure 1 will be referred to as "server" for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The (900).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

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

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server is a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (915), the server, in connection with the financial system, the predetermined amount of money deposited in the online account corresponding to the online account application information Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. If so, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, thereby providing the online. It is desirable to treat the account as a new financial account with a real name.

Thereafter, the server preferably retroactively processes the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (935).

10 is a diagram illustrating an online account registration system that is newly processed in the form of a prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 10, if the user account 1040 provides online account application information to open an online account from a predetermined customer terminal 1040 to a predetermined web server 1000 through a predetermined network means, the web server By providing the online account application information provided from the customer terminal 1040 to the predetermined information processing server 1045 provided in a predetermined financial institution at (1000), the information processing server (1045) to the on-line account application information; As a system configuration for opening a corresponding online account, specifically, a system configuration for opening an online account of a rechargeable prepaid card concept that can be used without real name verification is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing ③10 to infer an implementation method for a system for registering various types of online accounts in addition to the online accounts of the rechargeable prepaid card concept. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains can implement a system for registering an online account in the form of a virtual account with a predetermined real account by referring to and / or modifying the drawing 10. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a rechargeable prepaid card includes a predetermined web server 1000 (e.g., a portal server (e.g. Portal server) to request the online account registration (or open) without real name verification, and provide the web server 1000 with predetermined online account application information corresponding to the online account registration (or open). A customer terminal 1040 and the customer terminal 1040 are connected through a predetermined network means to receive predetermined online account application information from the customer terminal 1040, and receive the received online account application information in a predetermined finance. Web server 1000 provided to the information processing server 1045 provided in the institution, and the web server 1000 is connected through a predetermined communication means from the web server 1000 An information processing server 1045 which receives the account application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information. It has a financial system that manages online accounts processed with rules.

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

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

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

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

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 1040 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The server 1000 is connected to and provided with various application services provided by the web server 1000.

Here, the wired terminal connected to the wired communication network of the customer terminal 1040 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server 1000 is a search service including at least one information / content to a customer terminal 1040 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 1000 to the customer terminal 1040 is sold to (or requested to be opened) to at least one or more customers online by the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 1000 may include at least one user interface for the customer to apply (or purchase) the financial product (eg, the online account) through a network means including the wired communication network and / or the wireless communication network. To the customer terminal 1040, wherein the customer terminal 1040 inputs (or selects) the predetermined online account application information through the user interface to establish the wired network and / or wireless communication network. Characterized in that the transmission to the web server 1000 via a network means including.

To this end, the customer terminal 1040 outputs at least one user interface provided from the web server 1000, and inputs and / or selects at least one online account application information through the user interface to the web server. A function configuration (for example, a browser program and communication function or a predetermined communication program and communication function for communicating with the web server 1000, etc.) for transmitting to the 1000 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1000 as described above, input at least one online account application information through the user interface, and Since the features of the customer terminal 1040 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the web server 1000 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to the embodiment of the present invention, the web server 1000 is characterized by comprising an interface unit 1005 for connecting and managing a predetermined communication channel with the customer terminal 1040 through the network means.

According to an embodiment of the present invention, when the customer terminal 1040 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1005 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program provided in the customer terminal 1040 and connecting a predetermined communication channel with the customer terminal 1040 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1040, the interface unit 1005 may be connected to the client terminal 1040 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 1040 is provided with a communication program provided by the web server 1000, the interface unit 1005 establishes a communication channel with the customer terminal 1040 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 customer terminal 1040 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be configured based on the protocol stack defined in the wireless network. Connecting a predetermined communication channel with the customer terminal 1040, and providing a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the customer terminal (1040). desirable.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 1040, the interface unit 1005 may be configured based on the CDMA protocol. 1040 and a communication channel, and using a WAP / ME protocol defined in the browser program to transmit and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 10, the web server 1000 may access the interface unit 1005 when a predetermined customer terminal 1040 accesses the web server 1000 through the interface unit 1005 and / or applies for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 1040 to input (or select) and transmit predetermined online account application information. A predetermined online account for inputting (or selecting) the interface providing unit 1010 provided to the customer terminal 1040 and the user terminal 1040 through the user interface in conjunction with the interface unit 1005. An information receiving unit 1020 for receiving application information and an information relay unit 1030 for providing the received online account application information to an information processing server 1045 provided in a financial institution through a predetermined communication means. Characterized in that W is made.

In addition, the web server 1000 is interlocked with the interface unit 1005 to at least one or more customer terminals 1040, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 1015 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 1000 provides the web-based service to at least one customer terminal 1040 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 1000 is applied for the online account received from the customer terminal 1040 through the information receiving unit 1020 for the post-management of the online account application information received through the information receiving unit 1020. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 1045 based on the online account application information on a predetermined storage medium 1035. Characterized in that it further comprises a storage unit 1025, wherein the online account issuing information is the online account security information received from the customer terminal 1040, the new provisions consent information (or new application information), Include at least one rechargeable prepaid card processing consent information, non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), etc. It is preferable to make it together.

The interface providing unit 1010 has a function provided in the customer terminal 1040 when a predetermined customer terminal 1040 accesses the web server 1000 and / or applies for an online account through the interface unit 1005. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 1000 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface 1040 through the network means the user interface generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 1005. It is done.

Thereafter, the customer terminal 1040 inputs (or selects) the online account application information based on the user interface, and inputs the input (or selected) online account application information through the network means to the web server 1000. To send).

According to an exemplary embodiment of the present invention, when the customer terminal 1040 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may include a browser program and / or communication provided in the wired terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 1005. It is preferable to provide a user interface extracted from the) to the customer terminal 1040.

According to another exemplary embodiment of the present invention, when the customer terminal 1040 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 1005. It is preferable to provide a user interface extracted from the) to the customer terminal 1040.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined online account application information from the customer terminal 1040 in the web server 1000 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 1040 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 1040, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 1040, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product, and the amount of money. And an interface for inputting predetermined financial account information (e.g., original account information for depositing a predetermined amount of money into the online account) deposited into the online account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. And / or an interface for inputting (or selecting) an address or the like and / or for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1000. desirable.

Thereafter, the customer terminal 1040 selects at least one online account product to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Transmit to 1000.

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1040, the customer terminal 1040 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 1040 information on the provisions of the provisions of the provisions of the provisional provisions and the provisional provisional processing period (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account). Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable to include an interface to make.

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 1040, The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1040 is provided, the customer terminal 1040 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. 10, when the financial real name of the online account corresponding to the online account product is confirmed and operated as a new provision, the user interface for inputting (or selecting) the online account application information is In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account processed by the new provision, the customer terminal 1040 by processing the prepaid rechargeable prepaid card by processing the online account with a predetermined prepaid card. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information to which the customer agrees to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1040, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Afterwards, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the rechargeable prepaid card processing consent information is further included in the online account application information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And an interface for outputting financial transaction application condition information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application condition. If you are an institutional financial customer, the above interface may be omitted. Depending on the, or one of ordinary skill in the intended but may be included in a non face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) which specifies to the interface is.

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

* When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the financial transaction application information through the interface, and Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, and add the financial transaction application information to the web through the network means. In FIG. 10, for convenience, the financial transaction application information is illustrated as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

* The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (e.g., at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., If you are not an Internet banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is the financial institution through the financial institution 1040. And processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel. For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1040, the customer terminal 1040 may receive the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

When the customer terminal 1040 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 1020 cooperates with the interface unit 1005. And receiving the online account application information, and providing the received online account application information to the information relay unit 1030 and / or the information storage unit 1025.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 1040 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 1040 transmits the online account security information to the user. When the transmission is included in the online account application information, the information receiver 1020 receives the online account security information in conjunction with the interface unit 1005, and relays the received online account security information to the information. To the unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1040 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the customer terminal 1040. In the case where the provisional processing agreement information (or provisional provision application information) is included in the online account application information and transmitted, the information receiving unit 1020 is linked with the interface unit 1005 and the provisional processing agreement information (or And provisional application information), and provide the received provisional processing agreement information (or provisional application information) to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1040 inputs (or selects) predetermined charge prepaid card processing consent information through the user interface and transmits the data through the network means, or the customer terminal 1040 processes the rechargeable prepaid card. When the consent information is included in the online account application information and transmitted, the information receiving unit 1020 receives the rechargeable prepaid card processing consent information in association with the interface unit 1005, and the received rechargeable prepaid The card processing agreement information is provided to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the client terminal 1040 inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or the financial terminal application information is transmitted from the client terminal 1040. When the information is included in the online account application information and transmitted, the information receiver 1020 receives the financial transaction application information in association with the interface unit 1005 and relays the received financial transaction application information to the information relay. To the unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1040 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. In operation 1040, when the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information and transmitted, the information receiving unit 1020 may interwork with the interface unit 1005 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 1030 and / or. Or to the information storage unit 1025.

The information storage unit 1025 stores the online account application information received through the information receiving unit 1020 in a predetermined storage medium 1035 by including the online account issuance information, thereby storing the web. The server 1000 (or the web server operator) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 1035.

When the online account security information is received through the information receiving unit 1020, the information storage unit 1025 stores the online account issuing information obtained by linking the online account security information to the online account application information in the storage medium 1035. And the online account security information is used by the web server 1000 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information storage unit 1025 may apply the provisional processing agreement information (or provisional application) to the online account application information. And storing the online account issuing information associated with the information) in the storage medium 1035, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 1000 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 1020, the information storage unit 1025 may add the online account issuing information obtained by linking the rechargeable prepaid card processing consent information to the online account application information. And the rechargeable prepaid card processing consent information is stored in the storage medium 1035 until the financial real name of the online account is confirmed by the web server 1000 (or a financial transaction server using the online account). Provide a basis for processing at least one financial transaction using an account with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information storage unit 1025 may add the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 1035, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored on the web. The server 1000 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 1025, when the predetermined online account corresponding to the online account application information is opened by the information processing server 1045, the web server 1000 (or the A storage medium further including the online account information opened by the information processing server 1045 in the online account issuing information in order to process at least one or more financial transactions using the online account in a financial transaction server using an online account. It is preferable to replace the online account application information stored in the 1035 or included in the online account issuance information with the online account information opened by the information processing server 1045, and the present invention is not limited thereto. .

Here, the online account information is included in the online account number in the form of a prepaid card number generated by the provisional opening unit 1055 and the prepaid card processing unit 1060 of the information processing server 1045 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server 1000 operating institution information and the financial institution information that the online account is opened.

The information relay unit 1030 may be configured to store the online account application information received through the information receiving unit 1020 corresponding to the online account product (for example, the online account product corresponding to the online account product) through a predetermined communication means. It is characterized in that the relay transmission to the information processing server (1045) provided in the financial institution (opened).

Here, the communication means for connecting the web server 1000 and the information processing server 1045 may be a dedicated communication network that blocks access by a third party other than the web server 1000 and the information processing server 1045, and / or Secure communication network that provides a secure communication function between the web server 1000 and the information processing server 1045 (for example, the web server 1000 encrypts the online account application information by a predetermined encryption method and the information processing server 1045). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 1045.

When the online account security information is received through the information receiving unit 1020, the information relay unit 1030 corresponds to the online account product through the predetermined communication means (for example, the online account security information). And relaying to the information processing server 1045 provided in the financial institution, in which the online account corresponding to the account product is opened, whereby the information processing server 1045 transmits the information to the financial system provided in the financial institution. The web server 1000 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information relay unit 1030 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 1045 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 1045 opens a new online account corresponding to the online account application information in a financial system provided in the financial institution.

When the financial transaction application information is received through the information receiving unit 1020, the information relay unit 1030 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 1045 provided in the financial institution (in which the online account corresponding to the product) is opened, whereby the information processing server 1045 is the online account application customer of the financial institution Although not a conventional customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 1020, the information relay unit 1030 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 1045 provided in the financial institution, where the online account corresponding to the online account product is opened, whereby the information processing server 1045 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information relay unit 1030 is the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 1045 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 1045 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 1000 in the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, when the information processing server 1045 is equipped with a web server 1000 function and / or the information processing server 1045 is a predetermined banking server, the information relay unit ( 1030 links and relays the customer terminal 1040 and the information processing server 1045 so that the information processing server 1045 may receive the online account application information (and / or a new code) from the customer terminal 1040. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) It is possible to relay directly to provide a predetermined user interface for receiving financial transaction application information)), whereby the information processing server 1045 allows the customer terminal 1040 through a predetermined network means. From the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) directly, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, at least one web server 1000 and the information processing server 1045 may be relayed between the web server 1000 and the information processing server 1045, and / or the A predetermined relay server (not shown) which relays the web server 1000 and the at least one information processing server 1045, and / or relays the at least one web server 1000 and the at least one information processing server 1045. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 10, the information processing server 1045 may provide online account application information (and / or provisional processing consent information (or provisional application information)) provided from the web server 1000 through the communication means. And / or an information receiving unit for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 1020, and a new provision opening unit 1055 for opening a new online account corresponding to the online account application information received through the information receiving unit 1050 in association with a predetermined financial system, and the new provision opening. The prepaid card processing unit 1060 for processing a prepaid online account as a rechargeable prepaid card, and the prepaid prepaid credit card online account to manage the real name confirmation for the customer applying for the online account A new name management unit 1065 and a real name confirmation unit 1070 for confirming whether a real name of the financial transaction request customer is confirmed within a predetermined real name confirmation period for the online account opened in correspondence with the online account application information; When the real name of the online account opened as a new provision is confirmed in response to the online account application information, the new account processing unit 1075 for processing the online account opened as a new financial account is characterized in that it is made It is done.

The information receiving unit 1050 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 1000 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face) Financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 1055.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 1000 according to one embodiment of the present invention. If transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 1050 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The new establishment section 1055 is the online account application information (and / or false information processing agreement information (or new application information), and / or online) from the web server 1000 through the information receiving unit 1050 If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance Read the transaction agreement information (or non-face-to-face financial transaction application information) and, through a predetermined financial system, the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / or Online accounts corresponding to line account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the new provision opening unit 1055 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: Agree to process / B with the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the rechargeable prepaid card processing agreement And / or at least one online customer account corresponding to the information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). To the account ledger includes a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

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

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

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

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

That is, the new provision establishment unit 1055 may be configured to provide the online account application information (and / or provisional processing agreement information (or provisional application information)) received through the web server 1000, and / or the online account security information. And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure of opening the online account (eg, registering a predetermined online account ledger) in association with an information system, and providing the result to the prepaid card processing unit 1060.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 1060 is characterized in that the processing of the online account (or online account ledger) opened by the new establishment section 1055 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name transaction And withdrawal of a predetermined deposit amount (or recharge amount) without violating the Law on Confidential Security and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 1060 as a rechargeable prepaid card is provided with a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to one embodiment of the present invention, the prepaid card processing unit 1060 replaces the account ledger information included in the online account ledger with the chargeable prepaid card information, and the online opened by the provisional opening unit 1055. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 replaces the account number included in the online ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and links the account interest rate with the prepaid card. Replacing the interest rate with a personal identification number (PIN) for the rechargeable prepaid card, and replacing the account balance with a rechargeable prepaid card charge, thereby opening the opening established by the provisional opening unit 1055. It is desirable to treat your online account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 1060 performs relational processing of predetermined prepaid rechargeable prepaid card information in the online account ledger, and the online established by the provisional opening unit 1055. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By linking and storing rechargeable prepaid card information including a card PIN, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 1055 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 1060 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening section 1055 with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN in a predetermined database linked to the ledger D / B in which the online ledger is registered, the online account (or online) opened by the provisional opening unit 1055. It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 1065 is characterized in that by operating the online account opened as the new provision to the rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to the method of the present invention, the provisional management unit 1065 is to charge the deposit amount in the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, the new provision management unit 1065 is to process the withdrawal amount to use the amount charged to the rechargeable prepaid card when a predetermined amount withdraws (or transfers) to the online account through the financial system; It is characterized by.

In addition, when the interest for the amount deposited in the online account (or charged in the rechargeable prepaid card) is calculated through the financial system, the pseudonym management unit 1065 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the provisional management unit 1065 is a violation of the law and the concurrent act (Presidential Decree No. 15744) on financial real-name trading and confidentiality until the real name is verified. prevent.

The real name verification unit 1070 is the law and concurrent orders on the financial real name system transactions and confidentiality while the online account opened by the new provision establishment unit 1055 is managed by the new provision management unit 1065 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name checking unit 1070 checks whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account applying customer in the institution), the real name verification unit 1070 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the If the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 1070 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account application customer is a conventional financial transaction customer for the financial institution, and the online account application customer is a telebanking and / or home banking corresponding to the financial institution, and And / or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 1070 is based on an accredited certificate defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is verified through the real name verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 1070 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 1070 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 1070 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 1070 generates the real name verification information for the online account application customer and provides the new account processing unit 1075 to the new account processor 1075. do.

Alternatively, when the real name of the online account application customer is confirmed within the predetermined real name verification period, the real name verification unit 1070 generates unidentified name information of the online account application customer to generate the new account processing unit 1075. To provide.

When the real name confirmation information is provided from the real name confirmation unit 1070, the real name confirmation information including the confirmation of the real name for the customer applying for the online account within the real name confirmation period, the new account processing unit 1075 in conjunction with the financial system The online account processed by the new provision opening unit 1055 and / or the new provision management unit 1065 as a new provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 1070 including the real name of the on-line account request customer is confirmed within the real name confirmation period, the new account processing unit 1075 Is valid for all financial transactions on the online account processed by the provisional opening unit 1055 and / or provisional management unit 1065 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 1075 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account. When transferred to the virtual account of the new account processing unit 1075 in conjunction with the external and / or information system provided in the financial system to the amount of money deposited in the withdrawal prevention virtual account to the online account (or re- And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as a provisional transaction is processed into a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function, the new account processing unit 1075 is processed by an account and / or an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 1075 processes the online account as a valid new financial account capable of all financial transactions, the online account opening date is set by the information receiving unit 1050 by the web server ( 1000, the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information). , And / or date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or date of opening of the online account on the financial system by the temporary opening establishment unit 1055. It is desirable to apply retrospectively to either date.

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

More specifically, FIG. 11 stores an online account ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. 10, and specifies the online account. The structure of the online account ledger information for processing with a new account of the company, specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with the chargeable prepaid card information, the online ledger It is about an implementation method of processing an online account corresponding to a rechargeable prepaid card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information configuration methods for the online ledger of the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

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

According to another exemplary embodiment of the present invention, the provisional opening unit 1055 and / or provisional management unit 1065 of the information processing server 1045 shown in FIG. 10 may be provided with an external system and / or provided in the financial system. Incorporating information from the wireless account into the online ledger for processing at least one or more financial transactions in a non-face-to-face manner in financial transactions without an accredited certificate, and / or in the online ledger and / or the online ledger It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

According to an embodiment of the present invention, in order to process the online ledger as a new account, the provisional opening unit 1055 and / or the new management unit 1065 of the information processing server 1045 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the deposit before real name verification for the online account It is characterized in that for generating the predetermined false information including the information, and processing the stored false information is linked to the additional information corresponding to the online ledger, characterized in that for storing.

In this case, the provisional processing information is generated based on the online account application information and / or the provisional processing agreement information (or the provisional application information) received from the customer terminal 1040 on the online account registration system shown in FIG. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the online account registration system shown in FIG. 10, the provisional processing information provided in the online account ledger is also omitted. Preferably, the present invention is not limited thereto.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with an account balance (eg, a chargeable prepaid card amount) of the online ledger.

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

Referring to FIG. 11, the prepaid card processing unit 1060 of the information processing server 1045 illustrated in FIG. 10 is connected to the external and / or information systems provided in the financial system, and recharges the online account ledger in advance. In order to process the card, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

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

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

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

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

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

More specifically, FIG. 12 stores an online ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. The structure of online account ledger information for processing with a new account of the present invention, specifically, by linking and storing predetermined rechargeable prepaid card information in the online account ledger registered in the ledger D / B, the online account The present invention relates to a method of processing an online account corresponding to the ledger with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

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

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

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening unit 1055 and / or provisional management unit 1065 of the information processing server 1045 shown in FIG. 10 is connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

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

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

Referring to FIG. 12, the prepaid card processing unit 1060 of the information processing server 1045 illustrated in FIG. 10 is charged with the prepaid online account ledger in association with an external system and / or an information system provided in the financial system. In order to process the card, the account number, product type, interest rate, password, etc. included in the online ledger is deactivated, and the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information including a card PIN and customer wireless terminal information is characterized in that is stored in association with the additional information of the online ledger.

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

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

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

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

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

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

More specifically, Fig. 13 includes a predetermined ledger D / B 1300, which is provided in a DBMS on the financial system shown in Fig. 10, with a predetermined online ledger according to the conventional ledger information structure, and ledger D / B. The predetermined database 1305 associated with the online account ledger has provisional processing information and rechargeable prepaid card information associated with the online account ledger, so that the predetermined online account ledger conforming to the conventional account ledger information configuration can be charged. And an information structure to be processed by an online account ledger in the form of a new account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 13 to make the ledger D / B ( Various information structures for storing the above-mentioned provisional processing information and rechargeable prepaid card information associated with an online account ledger in a predetermined database 1305 associated with 1300. Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 13.

In particular, FIG. 13 illustrates a case in which it is not easy to store the provisional processing information and / or rechargeable prepaid card information in a ledger D / B 1300 on a DBMS provided on the financial system (for example, a policy of a financial institution). If it is not easy to change the ledger D / B 1300 of a phase DBMS, or the system is not easy to expand due to the characteristics of the financial system), the pseudonym processing is performed in a predetermined database 1305 instead of the ledger D / B. A method of storing information and / or rechargeable prepaid card information and interworking the database 1305 and the ledger D / B is shown.

Referring to FIG. 13, the database 1305 stores the pseudo-processing information and / or rechargeable prepaid card information, wherein the pseudo-processing information and / or rechargeable prepaid card information is stored in the ledger D / B. And the CIF number matched with the customer ledger of the ledger information and the account number matched with the online account ledger in the provisional processing information and / or the rechargeable prepaid card information to be processed in connection with 1300. desirable.

In FIG. 13, the new provision processing information stored in the database 1305 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, a deposit before real name verification, and the like. It is done.

In this case, the provisional processing information is generated based on the online account application information and / or the provisional processing agreement information (or the provisional application information) received from the customer terminal 1040 on the online account registration system shown in FIG. It is desirable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (1300), when the real name of the customer applying for the online account processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

In FIG. 13, the rechargeable prepaid card information stored in the database 1305 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal information. Characterized in that made.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

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

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

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

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

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

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

In detail, FIG. 14 illustrates that when the web server 1000 illustrated in FIG. 10 provides a predetermined online account request user interface to the customer terminal 1040, the user terminal 1040 provides the user account interface. Input (or select) predetermined online account application information through the predetermined network means to provide it to the web server 1000, and provide the online account application information through the predetermined communication means in the web server 1000. The process of providing to the information processing server 1045 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, the customer terminal 1040 by referring to and / or modified in this figure 14 However, various implementation methods for providing the online account application information to the information processing server 1045 through the web server 1000 may be inferred. It includes both embodiments in which the inference method, not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, only the online account application information is provided from the customer terminal 1040 to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1000 to the customer terminal 1040, in addition to the online account application information in the customer terminal 1040, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention provides the false new processing consent information (or false new application information), and / or online account security information, and / or financial at the customer terminal 1040 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 1000 in response to the security function provided in the communication means for connecting the web server 1000 and the information processing server 1045 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or false information processing consent information (or false information application) in the information processing server 1045). Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). It would be possible to infer an implementation method of decrypting)), but the present invention includes the implementation method inferred from above, and the present invention is not limited thereto.

Referring to FIG. 14, the customer terminal 1040 illustrated in FIG. 10 connects to the web server 1000 through network means including at least one or more wired and / or wireless communication networks (1400) and the web. At least one web-based service provided by the server 1000 is used (1405). At this time, the web server 1000 provides the web-based service provided to the customer terminal 1040 to the online account product according to the present invention. While providing online account product information for attracting online subscriptions for a certain online account, a user interface is provided.

Accordingly, while the web server 1000 provides at least one web-based service to the customer terminal 1040 as described above, the online account subscription user interface is subscribed online from the customer terminal 1040. Periodically checks whether a predetermined online account request user interface is requested (1410). If the financial product request interface is requested (1415) from the customer terminal (1040), the web server (1000) is connected to the customer terminal. Generate a predetermined online account application user interface to be provided (1040) (or extract it from a predetermined web source D / B (not shown)) (1420) and view the online account application user interface via the network means; Provided to the terminal (1425).

Thereafter, the customer terminal 1040 inputs (or selects) predetermined online account application information through the online account application user interface (1430), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 1040 transmits the online account application information to the web server 1000 through the network means (1435).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1040, the customer terminal 1040 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the customer terminal 1040, and the customer has the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 1040. For example, the interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1040 is provided, the customer terminal 1040 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. 10, when the financial real name of the online account corresponding to the online account product is verified and operated before being verified, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output rechargeable prepaid card processing information to the customer terminal 1040, and the customer is rechargeable And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1040, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Afterwards, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the rechargeable prepaid card processing consent information is further included in the online account application information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 1040 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the financial transaction application information through the interface, and then the Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Transmit to 1000.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal 1040 and at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1040, the customer terminal 1040 may receive the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

Thereafter, the web server 1000 may provide the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 1035 (1440).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 1000 (or a web server operator) and the information processing server 1045 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 1000 transmits the online account application information to the information processing server 1045 through a predetermined communication means (1445), and the information processing server 1045 transmits the web through the communication means. The online account application information provided from the server 1000 is received (1450).

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

In more detail, in FIG. 15, when the web server 1000 shown in FIG. 10 provides a predetermined online account request user interface to the customer terminal 1040, the user terminal 1040 may request the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 1000, and decode the online account application information by the web server 1000 The process of providing the online account application information to the information processing server 1045 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to this figure 15 And / or modify and provide the online account application information from the customer terminal 1040 to the information processing server 1045 through the web server 1000. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 15, only the online account application information is provided from the customer terminal 1040 to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1000 to the customer terminal 1040, in addition to the online account application information in the customer terminal 1040, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention provides the false new processing consent information (or false new application information), and / or online account security information, and / or financial at the customer terminal 1040 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 1000 in response to the security function provided in the communication means for connecting the web server 1000 and the information processing server 1045 The online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or encrypt and transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and at the information processing server 1045, the online account application information (and / or the new processing agreement information (or a new provision). Application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). )) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 15, the customer terminal 1040 illustrated in FIG. 10 connects to the web server 1000 through a network means including at least one or more wired and / or wireless communication networks (1500) and the web. At least one web-based service provided by the server 1000 is used (1505). At this time, the web server 1000 provides the web-based service provided to the customer terminal 1040 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 1000 provides at least one web-based service to the customer terminal 1040 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 1040. Periodically checking whether a predetermined online account request user interface is requested (1510). If the financial product request interface is requested from the customer terminal 1040 (1515), the web server 1000 provides a predetermined security function. Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (1520), and provide the online account application user interface to the mobile terminal through the network means. (1525)

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 1040 by a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

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

Thereafter, the customer terminal 1040 inputs (or selects) predetermined online account application information through the online account application user interface (1530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 1040 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information (1535), and transmit the encrypted online account application information to the web server 1000 via the network means (1540).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1040, the customer terminal 1040 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information that states that the online account is processed as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the customer terminal 1040, and the customer has the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 1040, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1040 is provided, the customer terminal 1040 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. 10, when the financial real name of the online account corresponding to the online account product is verified and operated before being verified, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output rechargeable prepaid card processing information to the customer terminal 1040, and the customer is rechargeable And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1040, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 1040 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the financial transaction application information through the interface. Transmitting the input (or selected) financial transaction application information to the web server 1000 through the network means, or further including the financial transaction application information in the online account application information. Send to the web server (1000).

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal 1040 and at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, non-face-to-face financial transactions in which Internet banking subscription terms information, wireless banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc. are printed and the customer agrees to the non-face-to-face financial transaction terms and conditions information. It is preferred to include an interface for inputting (or selecting) consent information and / or non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1040, the customer terminal 1040 may receive the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

The web server 1000 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (1545), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 1035 (1540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 1000 (or a web server operator) and the information processing server 1045 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 1000 transmits the online account application information to the information processing server 1045 through a predetermined communication means (1545), and the information processing server 1045 transmits the web through the communication means. The online account application information provided from the server 1000 is received (1550).

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

In more detail, in FIG. 16, the information processing server 1045 shown in FIG. 10 opens a predetermined online account based on the online account application information provided from the web server 1000, and charges the online account with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 1045 shown in FIG. Various implementation methods for processing an online account with a rechargeable prepaid card may be inferred based on the information, but the present invention includes all the inference methods described above, whereby the present invention is not limited thereto.

For example, in FIG. 16, only the online account application information is provided from the web server 1000 to the information processing server 1045. However, the person having ordinary knowledge in the technical field to which the present invention pertains will be described. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face finance Although it is possible to infer an implementation method in which transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 1045, the present invention may provide the information processing server 1045 with the provisional processing agreement information. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face The financial transaction agreement information (or non-face-to-face financial transaction application information) is further provided, and the present invention is not limited thereto.

Hereinafter, in FIG. 16, the information processing server 1045 shown in FIG. 10 is referred to as " server " for convenience.

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

If it is not possible to open the online account based on the online account application information (1605), the server generates the account opening error information and provides it to the web server 1000 (1610), and the web server 1000 In step 1615, the account opening error information is transmitted to the customer terminal 1040 through a predetermined network means, thereby completing the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (1605), the server connects the predetermined online account corresponding to the online account application information on the financial system in association with the financial system. In operation 1620, the online account is processed as a rechargeable prepaid card in connection with the financial system.

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

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, The ledger corresponding to the online account opened by the new opening section 1055 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. Is preferably treated with a rechargeable prepaid card.

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

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the on-line account opened by the hidden opening unit 1055 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server sends predetermined rechargeable prepaid card information to a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered as shown in FIG. By storing, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 1055 into a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. Storing the prepaid rechargeable card information in a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered, thereby corresponding to the online account opened by the provisional opening unit 1055. It is desirable to treat the ledger with a rechargeable prepaid card.

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

In more detail, FIG. 17 illustrates a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. As a process for processing as, specifically, the real name verification expiration date is automatically extended to the implementation method for continuously providing at least one or more financial transactions through the online account without real name verification.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account treated with the rechargeable prepaid card by referring to and / or modifying the drawing 17, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 17, the information processing server 1045 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 17, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (1700).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1705), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (1710).

If the real name verification period for the online account has not passed in response to the online account application information (1715), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

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

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1705), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1725). In connection with the financial system, the online account is treated as a new financial account whose real name is confirmed (1730).

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

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

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

In more detail, FIG. 18 is a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. In particular, when the real name verification expiration date passes, the amount deposited in the online account is transferred to the original account (for example, a financial account (or another online account) in which a predetermined amount is transferred to the online account). The present invention relates to a method for retrieving and dormant the online account.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 18. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the information processing server 1045 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 18, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (1800).

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

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

If the real name verification period for the online account has not passed in response to the online account application information (1815), the server repeats the process of verifying the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (1815), the server, in connection with the financial system, the predetermined amount of money deposited in the online account in response to the online account application information. Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information), and processes the online account as a dormant account in response to the online account application information. (1820).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1805), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1825). In operation 1830, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

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

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

19 is a diagram illustrating a card issuing system for issuing an online account linked card according to an embodiment of the present invention.

More specifically, FIG. 19 shows an online account registered through a online account registration system shown in FIG. 1 and / or FIG. 10 from a predetermined customer terminal 1940 to a predetermined web server 1900 via a predetermined network means. When the card issuing application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer issuing a card associated with the web server, The card issuing server 1945 provides the card issuing application information provided from the customer terminal 1940 to the predetermined card issuing server 1945 provided at a predetermined financial institution (or card issuing institution) at 1900. As a system configuration for issuing an online account linked card corresponding to the card issuing application information, a general support in the technical field to which the present invention belongs. If the person having the present invention may refer to and / or modify this drawing 19, it is possible to infer various implementation methods for the card issuing system for issuing the online account linked card, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 19 according to the embodiment of the present invention, the card issuing system for issuing the online account linked card is provided with a predetermined web server 1900 (e.g., a portal server) through a predetermined network means. A customer terminal 1940 for requesting issuance of the online account link card, and providing predetermined card issuance application information for issuing the online account link card to the web server 1900, and the client terminal ( 1940 and a card connected with a predetermined network means to receive predetermined card issuance application information from the customer terminal 1940, and the received card issuance application information is provided at a predetermined financial institution (or card issuing institution). The web server 1900 provided to the issuing server 1945 and the web server 1900 are connected through a predetermined communication means to receive the card issuing application information from the web server 1900. A card issuing server 1945 for issuing an online account linked card to the customer based on the received card issuing application information, and an online account registered through the online account registration system shown in FIGS. 1 and / or 10. And a financial system provided by linking the ledger and a card ledger corresponding to the online account linked card issued through the card issuing server 1945. However, when the financial institution that operates the online account and the card issuer that issues the online account linked card are different from each other, the financial system may be provided in each institution, and the present invention is not limited thereto.

Here, the financial system basically establishes at least one financial account for at least one financial transaction customer, and provides financial institutions (or card issuing institutions) to provide at least one financial transaction service based on the financial account. The computer system is provided, which includes an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or a window), information of a headquarters business, branch office information support, and customer information management. Systems, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, Wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to a financial system and / or provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network). An interface module corresponding to a middleware platform that provides interfacing between components in a financial system, and predetermined information (eg, ledger information, and / or a customer) required for each function in a component in the financial system. Information, and / or management information, etc.) and comprises at least one database management system (DBMS) including at least one database for storing and managing the financial account through the financial system. Act on Simultaneous Name Transactions and Confidential Security and Concurrent Act (Presidential Decree No. 15744) If it corresponds to a real name financial account corresponding to

According to the implementation method of the present invention, the financial system is the intention of the person skilled in the art and / or the type of each financial institution (or card issuing institution) provided with the financial system (for example, commercial bank, savings bank, trust bank) and the financial Depending on the purpose and characteristics of the system, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and the present invention belongs to Those skilled in the art will be familiar with the technical details of the financial system, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to one embodiment of the invention, the financial system provided in the financial institution (or card issuing institution) is at least one or more window terminals provided in the branch (and / or branch) of the financial institution (or card issuing institution) And a predetermined financial network (for example, a party network), and provides a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution (or card issuer), and / or the At least one financial terminal provided in at least one other financial institution (or card issuer) (and / or branch of another financial institution (or card issuer)) affiliated with the financial institution (or card issuer), and / or At least one financial terminal provided in a public place and a predetermined financial network (e.g. CD common network), characterized in that connected to the financial terminal of the at least one or more financial transactions customers through the financial terminal Provide transaction services.

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

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

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

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

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

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

According to the present invention, a customer applying for issuance of a predetermined online account link card may include a web server through at least one customer terminal 1940 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. 1900, and receives various application services provided by the web server 1900.

Here, the wired terminal connected to the wired communication network of the customer terminal 1940 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server 1900 is a customer service 1940 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and a search service including at least one information / content, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to an embodiment of the present invention, the web server 1900 is the same server as the web server 1900 on the online account registration system shown in FIGS. 1 and / or 10, or is provided in the same web server operating institution. Web server 1900, or a web server 1900 of an institution affiliated with the web server operating institution (or financial institution) to issue a card associated with the online account, or the financial institution (or card issuer) It may be a web server (1900) directly operating in the), and thereby the present invention is not limited.

* If the web server 1900 is the same server as the web server 1900 on the online account registration system shown in FIGS. 1 and / or 10, or the web server 1900 provided in the same web server operating institution In this case, it is preferable that the online account registration and the online account link card issuing process are simultaneously performed through the online account registration system shown in FIGS. 1 and / or 10, and the present invention provides the online account registration and the online account link for convenience. The card issuance is illustrated and described as a separate system, but the present invention is not limited thereto.

According to an embodiment of the present invention, when the online account registration and the online account issuance card issuing are performed at the same time, the web server 1900 is the customer through the online account registration system shown in Figure 1 and / or Figure 10 In the process of providing a user interface for registering an online account to the terminal 1940, the user interface may further include a predetermined card issuing request user interface for issuing the online account linked card.

According to another embodiment of the present invention, when the online account registration and the online account issuance card issue are separately performed as shown in FIG. 19, the web server 1900 is connected to the customer terminal 1940 (or the It is desirable to provide a predetermined card issuing application user interface for issuing the online account linked card to the customer terminal 1940 by the request of the customer terminal 1940.

Thereafter, the customer terminal 1940 inputs (or selects) predetermined card issuance request information for issuing the online account linked card through the card issuance request user interface to include the wired communication network and / or the wireless communication network. It transmits to the web server 1900 through the means.

To this end, the customer terminal 1940 outputs at least one user interface provided from the web server 1900, and inputs and / or selects at least one card issuing application information through the user interface to the web server. A function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the web server 1900, etc.) for transmitting to the 1900 is preferably provided.

According to an embodiment of the present invention, the card issuance request interface includes a user interface for inputting (or selecting) predetermined customer information for the card issuance request customer, and the customer is shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) online account information registered through an online account registration system, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and inputting method of delivery method setting ( Or at least one user interface), whereby the card issuing application information includes predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer. It is preferable to include at least one It is.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 1900 as described above, and input at least one card issuing application information through the user interface. Since the features of the customer terminal 1940 corresponding to at least one or more wired terminals and / or wireless terminals that are selected and transmitted to the web server 1900 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 1900 is characterized by including an interface unit 1905 for connecting and managing a predetermined communication channel with the customer terminal 1940 through the network means.

According to an embodiment of the present invention, when the customer terminal 1940 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1905 may include the wired network and / Or at least one information by connecting a predetermined communication channel with the customer terminal 1940 based on a protocol stack defined in a wireless network, and using a communication protocol defined in a communication program included in the customer terminal 1940. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal 1940, the interface unit 1905 may be connected to the customer terminal 1940 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 1940 is provided with a communication program provided by the web server 1900, the interface unit 1905 establishes a communication channel with the customer terminal 1940 based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) by using the communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 1940 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 1940. Do.

For example, when the client terminal 1940 includes a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1905 may be configured based on the CDMA protocol. (1940) and a communication channel, and using the WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web page, or HTML compatible web page) and / or information Provides a communication interface for

Referring to FIG. 19, the web server 1900 is connected to a web site 1900 when a predetermined client terminal 1940 accesses the web server 1900 and / or applies for an online account link card through the interface unit 1905. In operation 1905, the client terminal 1940 generates (or selects) a predetermined user interface for inputting (or selecting) predetermined card issuing application information (or from a predetermined web source D / B (not shown)). A predetermined interface input unit (1910) provided to the customer terminal (1940) and the interface unit (1905) and input (or selected) to be transmitted through the user interface in the customer terminal (1940) Web information receiving unit for receiving the card issuing application information of the information and the card issuing application information provided to the card issuing server (1945) provided in the financial institution (or card issuing institution) through a predetermined communication means Characterized in that obtained by having a system unit (1930).

In addition, the web server 1900 may be personalized including a search service including at least one information / content, and / or a mini homepage / blog to at least one or more customer terminals 1940 in conjunction with the interface unit 1905. And a web service unit 1915 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 1900 provides the web-based service to at least one customer terminal 1940 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 1900, the card issuing application information received from the customer terminal 1940 through the web information receiving unit for the post management of the card issuing application information received through the web information receiving unit; When provided to the card issuing server 1945 and the online account linked card is issued to the customer, the card attribute information corresponding to the customer information, the online account information, and the card attribute setting information included in the card issuing application information; It includes at least one limit amount information corresponding to the delivery method setting information, the card information corresponding to the online account linked card issued to the customer through the card issuing server (1945) linked to a predetermined storage medium ( It is characterized in that it further comprises an information storage unit 1925 to be stored in 1935.

If the web server 1900 is the same server as the web server 1900 on the online account registration system shown in Figs. 1 and / or 10, or is a web server 1900 provided in the same web server operating institution, The storage medium 1935 preferably stores online account issuance information registered through the online account registration system shown in FIGS. 1 and / or 10, and the web server 1900 is connected to the online account. If the web server 1900 of an institution affiliated with the web server operating institution (or financial institution) to issue an associated card, or the web server 1900 directly operated by the financial institution (or card issuer), Online account issuance information can be omitted, thereby the present invention is not limited.

The interface providing unit 1910 is provided to the customer terminal 1940 when a predetermined customer terminal 1940 accesses the web server 1900 and / or applies for an online account link card through the interface unit 1905. Generate a predetermined user interface capable of inputting (or selecting) the card issuing application information corresponding to the configured function and transmitting it to the web server 1900 via the network means, and / or a predetermined database (not shown). And a card issuing application interface including the user interface generated in conjunction with the interface unit 1905 (or extracted from a predetermined web source D / B (not shown)) through the network means. Characterized in that provided to the terminal 1940.

According to an exemplary embodiment of the present invention, when the customer terminal 1940 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B (not shown) through the interface unit 1905. It is preferable to provide a card issuance application interface to the customer terminal 1940 including a user interface extracted from).

According to another exemplary embodiment of the present invention, when the customer terminal 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 1905. It is preferable to provide to the customer terminal 1940 a card issuance request interface including a user interface extracted from).

Here, the card issuing application interface is a user interface for inputting (or selecting) predetermined customer information for the card issuing customer and the customer through the online account registration system shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) registered online account information, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and a user interface for inputting (or selecting) delivery method setting information It is preferable to include at least one.

Thereafter, the customer terminal 1940 inputs (or selects) the card issuance application information based on at least one or more user interfaces included in the card issuance application interface, and inputs the input (or selected) card issuance application information. It transmits to the web server 1900 through the network means.

When the customer terminal 1940 inputs (or selects) predetermined card issuing application information through the user interface and transmits the information through the network means, the web information receiving unit interworks with the interface unit 1905 to provide the customer information. And receiving card issuance application information including at least one of online account information, card attribute setting information, and delivery method setting information, and receiving the received card issuing application information from the information relay unit 1930 and / or Provided to the information storage unit 1925.

Here, the customer information for the card issuing customer, personal information of the card issuing customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and the web server of the customer ( 1900) member information (eg, member ID information stored in member information D / B (not shown) provided in the web server 1900) and financial member information of the customer (eg, the customer registers the online account). By doing so, it is preferable to include at least one or more member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system in response to the customer.

In addition, the online account information preferably comprises a predetermined online account number for the online account registered (or opened) by the customer through the online account registration system shown in FIGS. 1 and / or 10. According to the intention of the person skilled in the art, it is preferable to further include at least one or more web server operating institution information for opening the online account, financial institution information for the online account is opened, account holder information for the online account.

Further, the card attribute setting information may be a card medium for the online account linked card which is applied for issuance in connection with the online account registered (or opened) through the online account registration system shown in FIGS. 1 and / or 10. Type (eg, MS (Magnetic Stripe) card, IC (Integrated Circuit) card, or MS / IC card, etc.) setting information, payment method type (e.g. credit card, check card associated with the online account) , Debit card, etc.) preferably comprises at least one setting information.

Further, the delivery method setting information is information for setting a method of delivering the issued online account linked card to a customer due to a card issue characteristic in which the issue of the online account linked card is performed online as in the case of the online account. The method preferably includes any one of a postal delivery method, a direct visit method, and an applet download method.

Here, the postal delivery method of the delivery method is a method of delivering the online account linked card by mail in a non-face-to-face manner, in which case the card issuing server 1945 is a small amount of the limit for the online account linked card (E.g., 500,000 won) is preferably set, and after the face-to-face confirmation, the original limit amount (e.g., when the online account linked card is a credit card linked to the online account, the credit limit amount of the customer, or the online If the account link card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Or, the direct visit method of the delivery method, the customer visits the branch (or branch) of the financial institution (or card issuer) directly to receive the online account linked card, or the financial institution (or card) A method of an employee of an issuer) (or a card delivery partner employee) visiting the customer and delivering the online account link card, in which case the card issuing server 1945 is configured to deliver the online account link card to the customer. At the time of receipt (or at the time of receipt by the customer), the limit amount for the online account link card is originally credited (e.g., if the online account link card is a credit card associated with the online account). Or, if the online account linked card is a check card (or debit card) associated with the online account, Be set to balance) is preferred.

Alternatively, the applet download method of the delivery method, if the customer has a predetermined IC card (for example, an IC card capable of post issuance of the card applet) equipped with an open platform, the online account A method of processing a linked card in the form of a card applet and downloading the card applet to a terminal device equipped with the IC card reader according to a post-issuance procedure for the IC card and mounting the card applet on the IC card. When the card applet corresponding to the online account link card is loaded on the customer's IC card, the server 1945 sets the limit amount for the online account link card to the original limit amount (for example, the online account link card is online. If the credit card associated with the account, the credit limit amount of the customer, or the online account linked card is In the case of a check card (or a debit card) associated with a line account, the online account balance) may be set.

The information storage unit 1925 provides the card issuing application information received from the customer terminal 1940 through the web information receiving unit to the card issuing server 1945 when the online account link card is issued to the customer. At least one card attribute information corresponding to the customer information and online account information included in the card issuing application information, card attribute information corresponding to the card attribute setting information, and limit value information corresponding to the delivery method setting information. The server 1945 stores the online account linked card information formed by linking card information corresponding to the online account linked card issued to the customer in a predetermined storage medium 1935. The server 1900 (or a web server operating agency) may be configured based on the online account linked card information stored in the storage medium 1935. It provides a basis for receiving a fee for attracting customers and / or using the online account link card from the financial institution (or card issuer).

The information relay unit 1930 is configured to receive card issuing application information including at least one or more of the customer information, the online account information, the card attribute setting information, and the delivery method setting information received through the web information receiving unit through a predetermined communication means. It is characterized in that the relay transmission to the card issuing server 1945 provided in the financial institution (or card issuing institution) that issues the online account linked card.

Here, the communication means for connecting the web server 1900 and the card issuing server 1945 may be a dedicated communication network that blocks access by a third party other than the web server 1900 and the card issuing server 1945, and / or The card issuing server 1945 by encrypting the card issuing application information by a predetermined encryption method in a secure communication network (eg, the web server 1900) that provides a secure communication function between the web server 1900 and the card issuing server 1945. And a communication network for decrypting the card issuing application information through a decryption method corresponding to the encryption method in the card issuing server 1945).

According to another exemplary embodiment of the present invention, the card issuing server 1945 is provided with a predetermined web server 1900 function, and / or a financial company capable of connecting the card issuing server 1945 to the customer terminal 1940. In the case of a server (or a card company server), the information relay unit 1930 links and connects the customer terminal 1940 and the card issuing server 1945 to connect the customer terminal 1945 to the customer terminal (1945). It is possible to relay directly to a predetermined user interface for receiving the card issuing application information from the 1940, whereby the card issuing server 1945 from the customer terminal 1940 via a predetermined network means It is possible to directly receive the card issuing application information, whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 1900 and the card issuing server 1945 relays at least one web server 1900 and the card issuing server 1945, and / or the A predetermined relay server (not shown) that relays the web server 1900 and at least one card issuing server 1945 and / or relays the at least one web server 1900 and at least one card issuing server 1945. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 19, the card issuing server 1945 includes a web information receiving unit for receiving card issuing application information provided from the web server 1900 through the communication means, and card attributes included in the card issuing application information. A card information generation unit 1955 for generating card information corresponding to the setting information, and a limit amount calculation unit 1960 for setting a limit amount corresponding to the delivery method setting information included in the card issuing application information. It is characterized by.

The web information receiving unit may receive card issuing application information provided from the web server 1900 through the communication means, and the received card issuing application information is received from the card information generating unit 1955 and the limit amount. Provided to the calculator 1960.

When the card issuance request information provided from the web server 1900 is encrypted according to an embodiment of the present invention, the web information receiver may further include a function of decrypting the encrypted card issuance request information.

The card information generation unit 1955 is based on the payment method type setting information of the card attribute setting information included in the card issuing application information of the credit card number, check card number, debit card number corresponding to the online account linked card Generating at least one card number, and further generating a financial institution (or card issuer) code, a card type code, and expiration date information (can be omitted in the case of a debit card) corresponding to the online account linked card. It is preferable.

According to the method of the present invention, the card information generation unit 1955 has a structure capable of recording the card information on the MS card medium based on the card medium setting information of the card attribute setting information included in the card issuing application information. It is preferable to generate or create a recordable structure on the IC card medium, or a recordable structure on the MS card medium and the IC card medium.

The limit amount calculator 1960 sets a predetermined limit amount for the online account linked card based on the delivery method setting information included in the card issuance application information.

According to one embodiment of the present invention, when the delivery method setting information includes a postal delivery method (for example, a method of delivering the online account linked card by mail in a non-face-to-face manner), the limit amount calculation unit 1960 It is preferable that the limit amount for the on-line account connection card is set to a small amount (e.g., 500,000 won or the like) In this case, it is preferable to set the credit limit amount of the customer, or the online account balance if the online account linked card is a check card (or debit card) associated with the online account.

According to another embodiment of the present invention, the delivery method setting information is directly visited (e.g., the customer visits a branch (or branch) of the financial institution (or card issuer) directly and receives the online account linked card). Or if the employee (or card delivery partner employee) of the financial institution (or card issuing agency) visits the customer and delivers the online account linked card). Is the original limit amount (e.g., the online account link card is associated with the online account) at the time the online account link card is delivered to (or received by) the customer. Credit card, the credit limit amount of the customer, or the online account linked card is associated with the online account If the card or debit card, it is preferred to set the online account balance).

According to another embodiment of the present invention, the delivery method setting information is an applet download method (e.g., a predetermined IC card provided with an open platform (for example, an IC card capable of post issuance of a card applet). ), The online-account-related card is processed in the form of a card applet, and the card applet is downloaded to the terminal device provided in the IC card reader according to a post-issuing procedure for the IC card, The limit amount calculation unit 1960 calculates the limit amount for the online account association card at the time when the card applet corresponding to the online account association card is loaded on the customer's IC card, Amount (e.g., the customer's credit limit if the online account linked card is a credit card associated with the online account) (Or the balance of the online account if the online account association card is a check card (or a debit card) associated with the online account).

Referring to FIG. 19, the card issuing server 1945 generates card ledger information including the generated card information, the limit amount information, and delivery method information for the online linked card corresponding to the limit amount. A predetermined ledger associated with the online ledger registered through the generation unit 1965 and the online account registration system shown in FIGS. 1 and / or 10 in association with the financial system, and the card ledger And a ledger processing unit 1970 for storing the card ledger information therein.

The ledger information generation unit 1965 processes the at least one or more card information generated by the card information generation unit 1955 into a ledger information structure that can be stored in the ledger D / B on the financial system, and the limit amount calculation unit The card information and the limit are processed by processing the limit amount information calculated in 1960 and the delivery method information for the online linked card corresponding to the limit amount into a ledger information structure that can be stored in the ledger D / B on the financial system. And generating predetermined card ledger information including the price information.

According to an embodiment of the present invention, when the financial system is the same financial system as the financial system shown in FIGS. 1 and / or 10, the ledger processing unit 1970 is based on the customer information included in the card issuance application information. To the customer ledger of the online account registration customer registered through the online account registration system shown in FIGS. 1 and / or 10, or through the online account registration system shown in FIGS. After confirming the registered online account ledger (eg, an online account ledger in the form of a virtual account or an online account ledger in the form of a prepaid card), a predetermined card ledger associated with the confirmed online account ledger (or a customer ledger) is generated. It is desirable to.

According to another exemplary embodiment of the present invention, when the financial system is a financial system different from the financial system shown in FIGS. 1 and / or 10, the ledger processing unit 1970 may retrieve the customer information included in the card issuance application information. Generating a predetermined customer ledger in the ledger D / B on the financial system, generating a predetermined card ledger associated with the customer ledger, and transmitting the online account information included in the card issuing request information to the card ledger It is desirable to store it in the form of information.

Thereafter, the ledger processing unit 1970 records the card ledger information generated by the ledger information generation unit 1965 in the card ledger, whereby the ledger D / B on the financial system is shown in FIG. And / or a card ledger associated with an online account registered through the online account registration system shown in FIG. 10.

Referring to FIG. 19, the card issuing server 1945 includes a card issuing unit 1975 for issuing an online account linking card including the generated card information, and a card issuing unit 1975 for inserting the online account linking card into the card issuing application information It characterized in that it comprises a delivery processing unit 1980 to deliver to the customer according to the delivery method setting information.

When the delivery method setting information included in the card issuance request information includes any one of a postal delivery method and a direct visit method, according to an exemplary embodiment of the present invention, the card issuing unit 1975 may issue a predetermined card issuance. By producing an online account linking card in the form of an MS card, IC card, or MS / IC mixed card through a device (not shown), an online account linking card including the card information is issued.

If the online account linking card is an MS (Magnetic Stripe) card, the card issuing device transmits the card information to at least one MS track (e.g., track I, track II, track III) And the card information generating unit 1955 preferably generates the card information in a data structure recordable on at least one MS track.

Alternatively, if the online account linkage card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording a predetermined card applet in a memory provided in the IC chip of the online account linkage card, The card information generation unit 1955 preferably generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip.

According to another exemplary embodiment of the present invention, when the delivery method setting information included in the card issuance application information includes an applet download method, the card issuing unit 1975 includes the IC card of the customer including the card information. By generating a card applet that can be post-issued in, characterized in that to issue an online account linked card containing the card information.

According to one embodiment of the present invention, the delivery method setting information included in the card issuing application information is made including one of a postal delivery method and a direct visit method, and the MS card, by the card issuing unit 1975, Alternatively, when an online account linking card in the form of an IC card or an MS / IC mixed card is produced, the delivery processing unit 1980 links the online account according to a shipping procedure corresponding to the delivery method setting information included in the card issuing application information. The card is characterized in that the delivery to the customer.

According to another embodiment of the present invention, the delivery method setting information included in the card issuance application information is made including the applet download method, and the card issuing unit 1975 may post-issue the IC card of the customer. When a card applet is generated, the delivery processing unit 1980 provides the card applet to a customer terminal device having a predetermined IC card reader through a predetermined network means and records the IC card in the online account link card. It characterized in that the delivery to the customer.

20 is a diagram showing the configuration of online account linked card ledger information according to an embodiment of the present invention.

20 is a diagram showing the relationship between the ledger D / B 2000 provided in the DBMS on the financial system shown in FIG. 19 and the ledger D / B 2000 provided in the DBMS on the financial system shown in FIG. 1 and / When (2000) is the same, it shows storing the ledger corresponding to the online account linked card in the ledger D / B (2000), specifically on the financial system shown in Figures 1 and / or 10 If the ledger D / B (2000) provided in the DBMS is provided with an online account ledger in the form of a virtual account as shown in Figure 2, it shows the information structure of the card ledger associated with the online ledger.

Those skilled in the art will be able to refer to and / or modify the FIG. 20 to derive various information configuration methods from the on-line account linkage card ledger information in the ledger D / B, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 20 to add to the ledger D / B 2000 in addition to the online account ledger in the form of a virtual account as shown in FIG. If an online account ledger (e.g., an online account ledger in the form of a prepaid card-based bank account) is provided, the card ledger information associated with the online ledger, or the financial system shown in FIG. Alternatively, when the financial systems illustrated in FIG. 10 are different from each other, the structure of card ledger information associated with the registered online accounts may be inferred through the online ledger system illustrated in FIGS. 1 and / or 10. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger, a bill ledger associated with the customer ledger , A loan ledger, etc.) and at least one or more pieces of information associated with the account ledger. If a person skilled in the art is familiar with the present invention, the ledger D / In addition to the customer ledger and account ledger shown in FIG. 20, B 2000 includes at least one ledger (e.g., a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional for maintaining and managing the ledgers. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger issues at least one financial account to the financial institution (or card issuing institution) and processes at least one financial transaction through the financial account (for example, individual customer, corporate customer, corporate customer, etc.). As a ledger for storing customer information corresponding to the customer information, the customer information file (CIF) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area code, telephone number, business number, business name, Classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, used State, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

Wherein the virtual account ledger (or online account ledger) is connected in a relational manner to the account ledger corresponding to the parent account of the virtual account among the account ledgers, wherein the virtual account ledger information includes basic account ledger information It characterized in that it comprises an information configuration that further comprises the mother account number and the mother account operating institution information.

Those of ordinary skill in the art to which the present invention pertains include an online account linked card ledger according to the virtual ledger information structure associated with the account ledger, and the virtual account ledger information structure based on the basic ledger information structure. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

The card ledger is connected in relation to the virtual account ledger (or online account ledger), wherein the card ledger information is the card information generated corresponding to the card attribute setting information included in the card issuance application information, Characterized in that it comprises a limit value information generated corresponding to the delivery method setting information included in the card issuing application information and the delivery method information matching the delivery method setting information.

Here, the non-face-to-face delivery method information for the online account linked card is preferably deleted or deactivated after the limit amount of the online account linked card is adjusted to a desired limit amount.

Those skilled in the art will be able to deduce a cardholder information configuration including card information generated according to the card type setting information of the card attribute setting information included in the card issuing application information Therefore, detailed description thereof will be omitted for convenience.

21 is a diagram illustrating an information providing process for issuing an online account link card according to an embodiment of the present invention.

In more detail, in FIG. 21, when the web server 1900 shown in FIG. 19 provides a predetermined card issuance request interface to the customer terminal 1940, the customer terminal 1940 is provided through the card issuance request interface. Input (or select) card issuance application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information, and provide the same to the web server 1900 through a predetermined network means; The process of providing the card issuing application information to the card issuing server 1945 provided in the financial institution (or card issuing institution) through a predetermined communication means in the web server 1900, to which the present invention pertains. A person of ordinary skill in the art may refer to and / or modify the drawing 21 and the card issuing server 19 through the web server 1900 in the customer terminal 1940. 45, it is possible to deduce various methods of providing the card issuance application information. However, the present invention includes all of the above-mentioned methods of implementation and is not limited by the method shown in FIG.

For example, if a person skilled in the art is familiar with the security function of the communication means for connecting the web server 1900 and the card issuing server 1945, the web server 1900 The card issuing application information may be encrypted and transmitted, and the card issuing server 1945 may infer an implementation method of decrypting the card issuing application information, but the present invention includes the inferred implementation method, whereby The present invention is not limited.

Referring to FIG. 21, the customer terminal 1940 illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one wired and / or wireless communication network (2100), and the web. At least one web-based service provided by the server 1900 is used (2105), wherein the web server 1900 is an online account link card according to the present invention to a web-based service provided to the customer terminal 1940. It provides a predetermined card issuance application interface, while providing information related to the online account linked card for attracting online subscription to the.

Accordingly, while the web server 1900 provides at least one web-based service to the customer terminal 1940 as described above, the card issuance request interface is online from the customer terminal 1940 to the online account linked card. Periodically checks whether a predetermined card issuance application interface is requested for subscription (2110). If the financial product application interface is requested from the customer terminal (1940) (2115), the web server (1900) is connected to the customer terminal. Generate a predetermined card issuance request interface to be provided to the terminal 1940 (or extract it from a predetermined web source D / B (not shown)) (2120), and transmit the card issuance request interface to the mobile terminal through the network means; Provide (2125).

According to an embodiment of the present invention, the card issuance request interface includes a user interface for inputting (or selecting) predetermined customer information for the card issuance request customer, and the customer is shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) online account information registered through an online account registration system, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and inputting method of delivery method setting ( Or at least one user interface), whereby the card issuing application information includes predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer. It is preferable to include at least one It is right.

Thereafter, the customer terminal 1940 inputs (or selects) predetermined card issuing application information through the card issuing application interface (2130), wherein the card issuing application information is provided with predetermined customer information, online account information, and card attributes. At least one setting information and delivery method setting information is preferably included.

Here, the customer information for the card issuing customer, personal information of the card issuing customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and the web server of the customer ( 1900) member information (eg, member ID information stored in member information D / B (not shown) provided in the web server 1900) and financial member information of the customer (eg, the customer registers the online account). By doing so, it is preferable to include at least one or more member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system in response to the customer.

In addition, the online account information preferably comprises a predetermined online account number for the online account registered (or opened) by the customer through the online account registration system shown in FIGS. 1 and / or 10. According to the intention of the person skilled in the art, it is preferable to further include at least one or more web server operating institution information for opening the online account, financial institution information for the online account is opened, account holder information for the online account.

Further, the card attribute setting information may be a card medium for the online account linked card which is applied for issuance in connection with the online account registered (or opened) through the online account registration system shown in FIGS. 1 and / or 10. Type (eg, MS (Magnetic Stripe) card, IC (Integrated Circuit) card, or MS / IC card, etc.) setting information, payment method type (e.g. credit card, check card associated with the online account) , Debit card, etc.) preferably comprises at least one setting information.

Further, the delivery method setting information is information for setting a method of delivering the issued online account linked card to a customer due to a card issue characteristic in which the issue of the online account linked card is performed online as in the case of the online account. The method preferably includes any one of a postal delivery method, a direct visit method, and an applet download method.

Here, the postal delivery method of the delivery method is a method of delivering the online account linked card by mail in a non-face-to-face manner, in which case the card issuing server 1945 is a small amount of the limit for the online account linked card (E.g., 500,000 won) is preferably set, and after the face-to-face confirmation, the original limit amount (e.g., when the online account linked card is a credit card linked to the online account, the credit limit amount of the customer, or the online If the account link card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Or, the direct visit method of the delivery method, the customer visits the branch (or branch) of the financial institution (or card issuer) directly to receive the online account linked card, or the financial institution (or card) A method of an employee of an issuer) (or a card delivery partner employee) visiting the customer and delivering the online account link card, in which case the card issuing server 1945 is configured to deliver the online account link card to the customer. At the time of receipt (or at the time of receipt by the customer), the limit amount for the online account link card is originally credited (e.g., if the online account link card is a credit card associated with the online account). Or, if the online account linked card is a check card (or debit card) associated with the online account, Be set to balance) is preferred.

Alternatively, the applet download method of the delivery method, if the customer has a predetermined IC card (for example, an IC card capable of post issuance of the card applet) equipped with an open platform, the online account A method of processing an associated card in the form of a card applet and downloading the card applet to a terminal device equipped with the IC card reader according to a post-issuance procedure for the IC card and mounting the card applet on the IC card. 1945 indicates that when the card applet corresponding to the online account link card is loaded on the customer's IC card, the limit amount for the online account link card is originally set (eg, the online account link card is set to the online account). If the credit card associated with the customer, the credit limit amount of the customer, or the online account linked card is If the account with debit card (or debit card) in conjunction, it is preferred to set the online account balance).

When the card issuance application information is inputted (or selected) as described above, the customer terminal 1940 transmits the card issuance request information to the web server 1900 through the network means 2135, The web server 1900 stores the online account linked card information including the customer information included in the card issuance request information and the card property information corresponding to the online account information and the card property setting information in a predetermined storage medium 1935. (2140).

According to another exemplary embodiment of the present invention, the process of storing the card issuing application information in the storage medium 1935 may include the web server 1900 (or a web server operating institution) and the card issuing server 1945 (or finance). It may be omitted in accordance with the business partnership agreement between the agency (or card issuing agency), whereby the present invention is not limited.

Thereafter, the web server 1900 transmits the card issuing application information to the card issuing server 1945 through a predetermined communication means (2145), and the card issuing server 1945 is the web through the communication means. The card issuing application information provided from the server 1900 is received (2150).

FIG. 22 is a diagram illustrating an information providing process for issuing an online account-related card according to another embodiment of the present invention.

In more detail, in FIG. 22, when the web server 1900 illustrated in FIG. 19 provides a predetermined card issuance request interface to the customer terminal 1940, the customer terminal 1940 is provided through the card issuance request interface. Input (or select) and encrypt card issuing application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information to the web server 1900 through a predetermined network means. The card issuing application information is provided to the card issuing server 1945 provided in the financial institution (or card issuing institution) through a predetermined communication means by decrypting the card issuing application information in the web server 1900. As for the process of the present invention, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 22 and the customer terminal ( In 1940, various implementation methods for providing the card issuance application information to the card issuing server 1945 through the web server 1900 may be inferred, but the present invention includes all the inferred implementation methods. It is not limited by the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1900 and the card issuing server 1945 in the web server 1900 The card issuing server 1945 can encrypt the card issuing application information and transmit the card issuing application information to the card issuing server 1945. However, the present invention includes the inferring method, The present invention is not limited.

Referring to FIG. 22, the customer terminal 1940 illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one wired and / or wireless communication network (2200), and the web. At least one web-based service provided by the server 1900 is used (2205), wherein the web server 1900 is an online account link card according to the present invention to the web-based service provided to the customer terminal 1940. It provides a predetermined card issuance application interface, while providing information related to the online account linked card for attracting online subscription to the.

Accordingly, while the web server 1900 provides at least one web-based service to the customer terminal 1940 as described above, the card issuance application interface is used for online subscription of the financial product from the customer terminal 1940. Periodically check whether a predetermined card issuance application interface is requested (2210). If the financial product application interface is requested from the customer terminal (1940) (2215), the web server 1900 is provided with a predetermined security function. A predetermined card issuance request interface is generated (or extracted from a predetermined web source D / B (not shown)) (2220), and the card issuance request interface is provided to the mobile terminal through the network means (2225). .

According to an embodiment of the present invention, the card issuance request interface includes a user interface for inputting (or selecting) predetermined customer information for the card issuance request customer, and the customer is shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) online account information registered through an online account registration system, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and inputting method of delivery method setting ( Or at least one user interface), whereby the card issuing application information includes predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer. It is preferable to include at least one It is.

Here, the security function provided in the card issuance request interface is a function of encrypting card issuance request information input (or selected) from the customer terminal 1940 by a predetermined encryption method and / or the card issuance request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program that works with the card issuance application interface, wherein the security program is at least for encrypting the card issuance application information It is preferable to have one or more encryption keys.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the card issuance request information, whereby the present invention is not limited.

Thereafter, the customer terminal 1940 inputs (or selects) card issuing application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information through the card issuing application interface. In operation 2230, the card issuing application information includes online account linked card product selection information for selecting at least one online account linked card product to which the customer applies (or purchases), and the terms corresponding to the online account linked card product. Preferably, the information includes at least one agreement information, the online account link card deposit amount information, and customer information about the online account link card application customer.

When the card issuance request information is input (or selected) as described above, the customer terminal 1940 encrypts the card issuance request information according to a predetermined encryption method through the security function provided in the card issuance request interface And / or attach the electronic signature of the customer to the card issuing application information (2235), and transmits the encrypted card issuing application information to the web server 1900 via the network means (2240).

Here, the customer information for the card issuing customer, personal information of the card issuing customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and the web server of the customer ( 1900) member information (eg, member ID information stored in member information D / B (not shown) provided in the web server 1900) and financial member information of the customer (eg, the customer registers the online account). By doing so, it is preferable to include at least one or more member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system in response to the customer.

In addition, the online account information preferably comprises a predetermined online account number for the online account registered (or opened) by the customer through the online account registration system shown in FIGS. 1 and / or 10. According to the intention of the person skilled in the art, it is preferable to further include at least one or more web server operating institution information for opening the online account, financial institution information for the online account is opened, account holder information for the online account.

Further, the card attribute setting information may be a card medium for the online account linked card which is applied for issuance in connection with the online account registered (or opened) through the online account registration system shown in FIGS. 1 and / or 10. Type (eg, MS (Magnetic Stripe) card, IC (Integrated Circuit) card, or MS / IC card, etc.) setting information, payment method type (e.g. credit card, check card associated with the online account) , Debit card, etc.) preferably comprises at least one setting information.

Further, the delivery method setting information is information for setting a method of delivering the issued online account linked card to a customer due to a card issue characteristic in which the issue of the online account linked card is performed online as in the case of the online account. The method preferably includes any one of a postal delivery method, a direct visit method, and an applet download method.

Here, the postal delivery method of the delivery method is a method of delivering the online account linked card by mail in a non-face-to-face manner, in which case the card issuing server 1945 is a small amount of the limit for the online account linked card (E.g., 500,000 won) is preferably set, and after the face-to-face confirmation, the original limit amount (e.g., when the online account linked card is a credit card linked to the online account, the credit limit amount of the customer, or the online If the account link card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Or, the direct visit method of the delivery method, the customer visits the branch (or branch) of the financial institution (or card issuer) directly to receive the online account linked card, or the financial institution (or card) A method of an employee of an issuer) (or a card delivery partner employee) visiting the customer and delivering the online account link card, in which case the card issuing server 1945 is configured to deliver the online account link card to the customer. At the time of receipt (or at the time of receipt by the customer), the limit amount for the online account link card is originally credited (e.g., if the online account link card is a credit card associated with the online account). Or, if the online account linked card is a check card (or debit card) associated with the online account, Be set to balance) is preferred.

Alternatively, the applet download method of the delivery method, if the customer has a predetermined IC card (for example, an IC card capable of post issuance of the card applet) equipped with an open platform, the online account A method of processing an associated card in the form of a card applet and downloading the card applet to a terminal device equipped with the IC card reader according to a post-issuance procedure for the IC card and mounting the card applet on the IC card. 1945 indicates that when the card applet corresponding to the online account link card is loaded on the customer's IC card, the limit amount for the online account link card is originally set (eg, the online account link card is set to the online account). If the credit card associated with the customer, the credit limit amount of the customer, or the online account linked card is In the case of a check card (or a debit card) associated with a line account, the online account balance) may be set.

The web server 1900 which has received the encrypted card issuance application information through the network means decrypts the card issuance application information with the decryption method corresponding to the encryption method (2245), and the decrypted card issuance application information The card information included in the customer information, the online account information, and the card attribute setting information included in the online account-associated card information is included in the predetermined storage medium 1935 and stored (2250).

According to another exemplary embodiment of the present invention, the storing of the card issuing application information in the storage medium 1935 may include the web server 1900 (or a web server operating institution) and the card issuing server 1945 (or finance). It may be omitted in accordance with the business partnership agreement between the agency (or card issuing agency), whereby the present invention is not limited.

Subsequently, the web server 1900 transmits the decrypted card issuing application information to the card issuing server 1945 through the network means (2255), and the card issuing server 1945 is connected to the card issuing server through the communication means. The card issuing application information provided from the web server 1900 is received (2260).

23 is a diagram illustrating a process of issuing an online account link card according to an embodiment of the present invention.

In more detail, FIG. 23 shows a case in which the card issuing server 1945 shown in FIG. 19 issues a predetermined online account association card based on the card issuance application information provided from the web server 1900, As a process for providing a card to a customer, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 and provide it to the card issuing server 1945 shown in the drawing 19. It is possible to infer various implementation methods for issuing a predetermined online account linked card based on the card issuance application information, but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

In the following figure 23, the card issuing server 1945 shown in Fig. 19 is referred to as " server " for convenience.

Referring to FIG. 23, when predetermined card issuance application information is received from the web server 1900 shown in FIG. 19 through the process shown in FIG. 21 and / or FIG. 22, the server sends the card. The issue application information is read to determine whether the online account link card can be issued (2300).

According to an embodiment of the present invention, the server reads the customer information and the online account information included in the card issuance application information and checks whether the predetermined online account to be associated with the online account linked card to be issued to the customer is opened. It is desirable to.

In addition, when the credit card setting information is included in the payment method type setting information of the card attribute setting information included in the card issuing application information, the server generates the card issuing target information based on the customer information included in the card issuing application information It is desirable to check whether the credit card associated with the online account can be issued to the customer through the credit information inquiry for the customer.

If it is not possible to issue the online account link card based on the card issuing application information (2305), the server generates the card issuing error information and provides it to the web server 1900 (2310), and the web server In operation 1315, the card issuing error information is transmitted to the customer terminal 1940 through a predetermined network means, thereby terminating the online account link card issuing process based on the card issuing application information.

On the other hand, if it is possible to issue the online account link card based on the card issuance application information (2305), the server may be configured to correspond to the online account link card based on the card attribute setting information included in the card issuance request information. The card information is generated (2320).

According to the method of the present invention, the server is a credit card number, check card number, debit card corresponding to the online account linked card based on the payment means type setting information of the card attribute setting information included in the card issuing application information. And generating at least one card number among the numbers, and further adding a financial institution (or card issuer) code, a card type code, and expiration date information (can be omitted in the case of a debit card) corresponding to the online account linked card. It is desirable to produce.

Here, the card information generation unit 1955 generates the card information in a structure capable of recording the card information on an MS card medium based on the card medium setting information of the card attribute setting information included in the card issuance request information, or the IC card. It is preferable to generate a recordable structure on the medium, or a recordable structure on the MS card medium and the IC card medium.

Thereafter, the server calculates a predetermined limit amount corresponding to the online account linked card based on the delivery method setting information included in the card issuance application information (2325).

In a case where the delivery method setting information includes a mail delivery method (for example, a method of delivering the online account association card in a non-face-to-face manner) according to an embodiment of the present invention, It is preferable to set a limit amount for a small amount (for example, 500,000 won, etc.), and if the original limit amount (for example, the online account linked card is a credit card associated with the online account) after the face-to-face confirmation, the credit of the customer It is preferable to set the limit amount or the online account balance card to the online account balance when the online account link card is a check card (or debit card) associated with the online account.

According to another embodiment of the present invention, the delivery method setting information is directly visited (e.g., the customer visits a branch (or branch) of the financial institution (or card issuer) directly and receives the online account linked card). Or the employee of the financial institution (or card issuer) visits the customer and delivers the online account link card). When the card is delivered to the customer (or received by the customer), the limit amount for the online account link card is the original limit amount (e.g., if the online account link card is a credit card associated with the online account, The credit limit of the customer, or a check card (or debit) with which the online account linked card is associated with the online account Card), it is preferable to set the online account balance).

According to another embodiment of the present invention, the delivery method setting information is an applet download method (e.g., a predetermined IC card provided with an open platform (for example, an IC card capable of post issuance of a card applet). ), The online account associated card is processed in the form of a card applet, and the card applet is downloaded to a terminal device equipped with the IC card reader according to a post-issuance procedure for the IC card and mounted on the IC card. , The server transmits the limit amount for the online account association card to the original limit amount (for example, the online amount), when the card applet corresponding to the online account association card is loaded on the customer's IC card If the account link card is a credit card linked to the online account, the credit limit amount of the customer, or the on If the line account linked card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Thereafter, the server generates predetermined card ledger information including the card information and the limit amount information (2330).

According to the method of the present invention, the server processes the at least one or more card information generated by the card information generation unit 1955 into a ledger information structure that can be stored in the ledger D / B (2000) on the financial system, A predetermined card including the card information and the limit amount information by processing the limit amount information calculated by the limit amount calculation unit 1960 into a ledger information structure that can be stored in the ledger D / B 2000 on the financial system. It is preferable to generate ledger information.

Thereafter, the server stores the card ledger information in association with the online account ledger in association with the financial system (2335).

According to an embodiment of the present invention, when the financial system is the same financial system as the financial system shown in FIGS. 1 and / or 10, the server may be configured based on the customer information included in the card issuance application information. And / or confirm a customer ledger of the online account registration customer registered through the online account registration system shown in FIG. 10, or an online account registered through the online account registration system shown in FIGS. 1 and / or 10. After confirming the ledger (for example, an online account ledger in the form of a virtual account or an online account ledger in the form of a prepaid card), it is preferable to generate a predetermined card ledger associated with the confirmed online account ledger (or customer ledger). .

According to another embodiment of the present invention, when the financial system is a financial system different from the financial system shown in FIGS. Create a predetermined customer ledger in the ledger D / B 2000 on the system, generate a predetermined card ledger associated with the customer ledger, and add the online account information included in the card issuance application information to the card ledger. It is preferable to store in the form.

Hereinafter, it is preferable that the server records the card ledger information generated by the server in the card ledger so that the ledger D / B 2000 on the financial system records A card ledger associated with an online account registered through the online account registration system is provided.

Thereafter, the server generates an online account linked card including the card information in response to a delivery method corresponding to the delivery method setting information included in the card issuing application information, or generates a card applet including the card information. (2340).

If the delivery method setting information included in the card issuing application information is made by any one of a postal delivery method or a direct visit method according to an exemplary embodiment of the present invention, the server may execute a MS through a predetermined card issuing device. It is preferable to issue an online account link card including the card information by making an online account link card in the form of a card, IC card, or MS / IC mixed card.

According to another exemplary embodiment of the present invention, when the delivery method setting information included in the card issuance request information includes an applet download method, the server may post-issue to the IC card of the customer including the card information. By generating a card applet, it is preferable to issue an online account linked card including the card information.

Thereafter, the server delivers the online account linked card to the customer or provides the card applet to the customer according to the delivery method corresponding to the delivery method setting information included in the card issuing application information (2345).

According to one embodiment of the invention, the delivery method setting information included in the card issuing application information is made by including either a postal delivery method or a direct visit method, and the MS card, IC card, or MS is performed by the server. When an online account link card in the form of a / IC mixed card is produced, the server preferably delivers the online account link card to the customer according to a delivery procedure corresponding to the delivery method setting information included in the card issuance request information. .

According to another embodiment of the present invention, the delivery method setting information included in the card issuance application information is made including the applet download method, and a card applet which is post-issued to the IC card of the customer by the server is generated. The server preferably delivers the online account linked card to the customer by providing the card applet to the customer terminal device having a predetermined IC card reader and recording the IC card through a predetermined network means. .

Thereafter, the server transmits the card information and the limit amount information of the issued online account linked card to the web server 1900 (2350), and the web server 1900 transmits the card information and the limit amount information. The information is further included in the online account linked card information and stored in the storage medium 1935 (2355).

24 is a diagram illustrating a face-to-face confirmation system for limit adjustment through face-to-face verification of an online account link card according to an embodiment of the present invention.

In more detail, FIG. 24 shows that a predetermined customer who has been issued an online account link card through the card issuing system shown in FIG. 19 prepares an identification card and a face-to-face confirmation application for adjusting the limit through face-to-face verification of the online account link card. And submit the data, obtain a predetermined image content corresponding to the identification card and the face-to-face application through a predetermined image acquisition device in a predetermined window terminal, and face-to-face verification system for the online account linked card through a face-to-face interface Face-to-face request information for the online account link card including at least one of customer information corresponding to the identification card and the face-to-face application form, and online account link card information and face-to-face authentication information, and the identification card and / or the face to face application form If the acquired image content is provided, the Generate a face-to-face confirmation electronic document containing the content and store it in a predetermined electronic document repository, and online issued through the card issuing system shown in FIG. 19 based on the face-to-face request information for the online account link card. It is about the system configuration to adjust the limit of the account link card to the original limit amount.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to infer various implementation methods for the configuration of a face-to-face verification system for an online account linked card. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 24 so that the online terminal does not acquire predetermined image content corresponding to the identification card and the face-to-face application form at the counter terminal. It is possible to infer a method of realizing the face-to-face verification of the online account linked card through the face-to-face request information on the linked card and adjusting the limit of the online account linked card without generating a face-to-face confirmation electronic document. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, if the person skilled in the art to which the present invention belongs, even when generating the face-to-face confirmation electronic document by referring to and / or modified in the figure 24, the electronic document storage for the online account link card It is to be understood that the present invention is not limited to the method shown in FIG. 24 but includes all of the above-described embodiments.

In addition, although the implementation method illustrated in FIG. 24 is described by generating a face-to-face confirmation electronic document corresponding to the identification card and / or the face-to-face application on the server side on the face-to-face verification system for the online account link card, The present invention is not limited thereto, and the face-to-face confirmation electronic document may be generated on the terminal side that obtains the image content corresponding to the identification card and / or the face- The electronic document generation function provided on the side is provided on the terminal side to generate the face confirmation electronic document), whereby the present invention is not limited.

Hereinafter, on the face-to-face confirmation system for the on-line account link card shown in FIG. 24, face-to-face request information and image content on the on-line account link card corresponding to the identification card and face-to-face application form created by the customer through a face-to-face interface. At least one means for generating a predetermined face confirmation electronic document and storing the same in a predetermined electronic document storage, and adjusting the limit amount for the online account linked card through the face verification request information for the online account linked card. And / or components corresponding to the functional configuration are referred to as " card management server 2400 " for convenience.

Referring to FIG. 24 according to the embodiment of the present invention, the face-to-face verification system for the online account linked card may be provided at at least one financial institution (or card issuing institution) branch (or branch office), or the terminal terminal. And a face-to face confirmation terminal (2475) including at least one or more merchant terminals provided in a face-to-face confirmation designation agency affiliated with a financial institution (or a card issuing organization) The face confirmation terminal 2475 is connected to a communication channel with a card management server 2400 provided on the face check system for the online account linked card through a predetermined financial network (or communication network).

According to one embodiment of the present invention, the customer visits the financial institution (or card issuing agency) branch (business branch) for limit adjustment through face-to-face verification of the online account linked card, and the financial institution (or card). Issuer) A face-to-face confirmation application (for example, face-to-face verification of the online account link card) for limit adjustment through face-to-face verification of the online account link card through a window provided at a branch (branch branch) A document having a form for filling in the card information for the online linked card issued to the customer through the card issuing system shown in FIG. 19).

Thereafter, when the customer submits the predetermined identification card and the prepared face-up confirmation application to the counter staff, the counter staff scans the identification card and / or face-up confirmation application through a predetermined image obtaining apparatus to obtain predetermined image contents , Image content obtained in response to the identification card and / or face-to-face confirmation application through a predetermined window terminal, customer information and online account linkage card information written in the identification card and face-to-face confirmation application, (Or selects) the face-up confirmation request information for the on-line account-related card including at least one face-up authentication information for authenticating that the face-up authentication has been performed by the face-to- Through the financial network, information about the confirmation of the face-to-face request for the linked card can be To the card management server 2400 provided on the face-to-face verification system for the online-account-related card.

Here, the window terminal preferably comprises all kinds of terminal devices used by employees of the branch (or branch) of the financial institution (or card issuing institution), and the card management server 2400 connected to the window terminal. It is preferable that the server comprises all the servers provided to manage and operate the online account linked card issued to the customer through the card issuing system shown in Figure 19, the teller terminal and the card management server 2400 It is preferable that the financial network to be connected includes a branch network connecting a communication channel between the window terminal and the card management server 2400.

An image acquisition device for acquiring an image content corresponding to an identification card and a face-to-face confirmation application created by the customer; and an image acquiring device for acquiring image contents corresponding to the window terminal, the window terminal, The financial network connecting the card management server 2400 performs a function of a face-to-face verification interface for transmitting the face-to-face request information for the online account linked card for the customer to adjust the limit through face-to-face verification of the online account linked card. Do.

According to another exemplary embodiment of the present invention, the customer visits a face-to-face confirmation designator affiliated with the financial institution (or card issuing institution) to adjust the limit through face-to-face verification of the online account linked card, and checks the face-to-face. A predetermined face confirmation application (eg, customer information applying for face-to-face verification of the online account linked card and a card issuing system shown in FIG. 19) for limit adjustment through a face-to-face verification of the online account linked card at a designated institution A document with a form for filling in card information for an online linked card issued to the customer.

Subsequently, when the customer submits a predetermined ID and the prepared face verification application to a face verification designated agency employee, the face verification designated agency employee scans the ID and / or face confirmation application through a predetermined image acquisition device to determine Image content acquired through a predetermined institution terminal and corresponding to the identification card and / or the face-to-face confirmation application, the customer information written on the identification card and the face-to-face confirmation application, the online account connection card information, and the face-to-face (Or selects) face-to-face confirmation request information for the on-line account connection card including at least one face-up authentication information for authenticating that the confirmation designation agency employee has confirmed the face-to-face verification through the ID card, The agency terminal is responsible for the image content and the online account link card. To transmit the check request information, face-to-face to the card management server 2400 provided on the face verification system for the online account card linked through the communication network is preferred.

Here, the institution terminal preferably comprises all kinds of terminal devices used by employees of the branch (or branch) of the financial institution (or card issuing institution), the card management server 2400 connected to the institution terminal is It is preferable to include all the servers provided to manage and operate the online account linked card issued to the customer through the card issuing system shown in Figure 19, the institution terminal and the card management server 2400 The connecting network preferably includes a wired or wireless communication network connecting a communication channel between the engine terminal and the card management server 2400.

In the face-to-face confirmation system for the online account linked card as described above, an image acquisition device for acquiring image content corresponding to the identification card and face-to-face confirmation application prepared by the customer, the institution terminal used by the employee and the institution terminal and the The communication network connecting the card management server 2400 performs a function of a face-to-face confirmation interface for transmitting the face-to-face confirmation request information to the online account-related card for the purpose of adjusting the limit through the face- .

According to another exemplary embodiment of the present invention, the customer visits the face-to-face designated designated store affiliated with the financial institution (or the card issuing institution) to adjust the limit through the face-to-face verification of the online account linked card, and the face-to-face. A confirmation confirmation application for a face-to-face application for limit adjustment through face-to-face verification of the online account link card (for example, customer information applying for face-to-face verification of the online account link card and the card issuing system shown in FIG. 19). A document with a form for filling in card information for an online linked card issued to the customer).

Subsequently, when the customer submits a predetermined ID and the prepared face verification application to a face-to-face designated designated merchant employee, the merchant staff scans the ID and / or face-to-face application through a predetermined image acquisition device to provide predetermined image content. Acquires the image content acquired in response to the identification card and / or the face-to-face confirmation application through a predetermined merchant terminal, the customer information and the online account linked card information written in the identification card and the face-to-face confirmation application, and the member of the merchant Input (or select) face-to-face confirmation request information for the online account linked card including at least one face-to-face authentication information for authenticating that the face-to-face customer is confirmed through an identification card, and correspondingly, the merchant terminal receives the image content. Face-to-face checks for That the information transmitted through the communication network to the card management server 2400 provided on the face verification system for the online account associated card is preferred.

Here, the affiliated store terminal preferably comprises all kinds of terminal devices used by employees of the branch (or branch) of the financial institution (or card issuing agency), the card management server 2400 connected to the affiliated store terminal is It is preferable to include all the servers provided to manage and operate the online account linked card issued to the customer through the card issuing system shown in Figure 19, the merchant terminal and the card management server 2400 is connected The communication network preferably comprises a wired or wireless communication network connecting the communication channel between the merchant terminal and the card management server 2400.

In the face-to-face confirmation system for the online account linked card as described above, an image acquisition device for acquiring the image content corresponding to the identification card and the face-to-face confirmation application prepared by the customer, the merchant terminal used by the employee, the merchant terminal and the The communication network connecting the card management server 2400 performs a function of a face-to-face verification interface for transmitting the face-to-face request information for the online account link card for the customer to adjust the limit through the face check of the online account link card. .

According to the present invention, the card management server (24) at the face-to-face confirmation terminal 2475 for at least one affiliated terminal provided in the engine terminal and / or the face-to-face confirmation designated affiliated terminal provided in the counter terminal and / or the face-to-face designated user The face-to-face confirmation request information for the online account link card transmitted to 2400 may include customer information obtained from the identification card of the customer, online account link card information corresponding to the face-to-face confirmation application, and the counter staff and / or face check designation authority. It is preferable to include at least one or more face-to-face authentication information input by the employee and / or the face-to-face identification designated merchant staff.

Here, the customer information, preferably comprises at least one or more customer name, social security number and address information confirmed from the identification card of the customer.

In addition, the online account link card information, the card information corresponding to the online account link card entered in the face-to-face confirmation application (or the card issued to the customer through the card issuing system shown in Figure 19, the counter staff (or Face-to-face confirmation designation personnel, or face-to-face designation affiliated store personnel) preferably includes card information obtained by visual confirmation.

In addition, the face-to-face authentication information is a visual confirmation that the counter employee (or face-to-face designated organization staff, or face-to-face designated merchant staff) has visually confirmed the customer who issued the online account link card through the identification card of the customer As information to be used, personal information (for example, face-to-face identification designation agency staff or face-to-face designation affiliated employee) of the counter staff (for example, the social security number of the face-to-face or the employee identification information for the face-to-face person, branch (or branch)) Information, or face-to-face confirmation designator information, or face-to-face confirmation designated merchant information), and at least one or more authentication information (for example, the face-to-face password) for authenticating the face-to-face.

The card management server 2400 provided on the face-to-face verification system for the online account link card according to the present invention is the online account link card connected to the face check terminal 2475 through a predetermined financial network (or communication network). A generic term for a system-side component for a face-to-face identification, comprising at least one server (or device), and / or at least one or more programs recorded on a record carrier provided in a given server (or device). The present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the card management server 2400 includes an interface unit 2405 for connecting and managing the communication terminal 2475 and a predetermined communication channel through the financial network (or communication network). Characterized in that made.

According to an exemplary embodiment of the present invention, when the facing confirmation terminal 2475 is a window terminal connected to a predetermined financial network, the interface unit 2405 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in the face-to-face related program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the facing confirmation terminal 2475 is an engine terminal of a facing confirmation designation authority connected to a predetermined communication network, the interface unit 2405 is based on a protocol stack defined in the communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the engine terminal and at least one information (or data) transmission and reception using a communication protocol defined in a face-to-face related program included in the engine terminal.

According to another embodiment of the present invention, when the face-to-face confirmation terminal 2475 is a merchant terminal of a face-up confirmation designation merchant terminal connected to a predetermined communication network, the interface 2405 may receive a protocol stack defined in the communication network, It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the affiliated store terminal and using a communication protocol defined in the face-to-face related program included in the affiliated store terminal. .

Referring to FIG. 24, the card management server 2400 connects a predetermined communication confirmation terminal 2475 to a predetermined communication channel with the card management server 2400 through the interface unit 2405, or the online. When requesting a face-to-face verification for the account link card, an identification card created by the customer through a predetermined image acquisition device provided in the face check terminal 2475 for adjusting the limit through the face check of the online account link card; Or obtaining image contents corresponding to the face-to-face application, inputting (or selecting) face-to-face request information on the online account linked card corresponding to the ID card and the face-to-face application, and transmitting the information to the card management server 2400. Generate (or extract) at least one user interface, and generate (or extract) the user in association with the interface unit 2405. An interface providing unit 2410 that provides a user interface to the face verification terminal 2475 and an online account link card corresponding to the identification card and / or face verification application through the user interface at the face verification terminal 2475; Information receiving unit for receiving the face-to-face request information for the on-line account linked card transmitted from the face-to-face terminal 2475 in connection with the interface unit 2405 when inputting (or selecting) the face-to-face request information for 2415 and the face confirmation terminal 2475 acquires and transmits image contents corresponding to the identification card and / or face confirmation application created by the customer through a predetermined image acquisition device based on the user interface, In connection with the unit 2405, image content corresponding to the identification card and / or the face-to-face confirmation application may be received. The body is characterized by comprising an image receiving unit 2420.

The interface providing unit 2410 connects a predetermined communication channel with the card management server 2400 through the interface checking terminal 2475, and then sends the card management server 2400 to the card management server 2400. When requesting a user interface for limit adjustment through face-to-face verification of an online account linked card, the user corresponds to an identification card and / or face-to-face confirmation application prepared by the customer through a predetermined image acquisition device included in the face-to-face confirmation terminal 2475. The card management server 2400 acquires image content, inputs (or selects) face-to-face request information on an online account linked card corresponding to the identification card and / or face-to-face application and through the financial network (or communication network). Create one or more user interfaces for transmission to a network, and / or extract from a database (not shown) The user interface generated in conjunction with the interface unit 2405 may be provided to the face-to-face confirmation terminal 2475 through the financial network (or communication network).

According to another embodiment of the present invention, the face-to-face confirmation terminal 2475 acquires the image content corresponding to the identification card and / or the face-to-face confirmation application created by the customer through the predetermined image acquisition device, Predetermined with at least one user interface for inputting (or selecting) face-to-face request information for the online account link card corresponding to the application to be transmitted to the card management server 2400 via the financial network (or communication network). When a face-to-face confirmation program is provided, the image content corresponding to the identification card and / or the face-to-face confirmation application is obtained through a predetermined image acquisition device as described above, and the online account corresponding to the identification card and / or the face-to-face confirmation application is linked. The card management server 24 may input (or select) face-to-face request information for a card. The interface providing unit 2410 for generating (or extracting) a user interface for transmitting to the face-to-face terminal 2475 may be omitted, and the present invention is not limited thereto.

Thereafter, the face confirmation terminal 2475 inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface. And, the information about the face-to-face verification request for the input (or selected) the online account link card is transmitted to the card management server 2400 through the financial network (or communication network), and correspondingly the information receiving unit 2415 In response to the interface unit 2405, the face-to-face request information for the on-line account link card transmitted from the face-to-face confirmation terminal 2475 may be received.

In addition, the facing confirmation terminal 2475 acquires image contents corresponding to the identification card and / or facing confirmation application through a predetermined image obtaining apparatus based on the user interface, and obtains the obtained image contents from the financial network ( Or a communication network) to the card management server 2400, and in response thereto, the image receiving unit 2420 receives image contents corresponding to the identification card and / or the face-to-face application in association with the interface unit 2405. Characterized in that.

According to another exemplary embodiment of the present invention, the face confirmation terminal 2475 acquires image contents corresponding to the ID card and / or face confirmation application prepared by the customer through a predetermined image acquisition device, and the face check terminal 2475. When previously stored in a predetermined storage device provided in (or associated with) the face verification terminal 2475, the identification card and / or the face-to-face of at least one or more image contents previously stored in the storage device are stored through the user interface. An image content corresponding to the confirmation application is selected and transmitted to the card management server 2400 through the financial network (or a communication network). In response, the image receiving unit 2420 is connected to the interface unit 2405. It is desirable to receive image content corresponding to the identification card and / or the face-to-face application.

According to another exemplary embodiment of the present invention, the image confirmation corresponding to the identification card and / or the face confirmation application and the online account corresponding to the identification card and / or the face confirmation application are provided through the user interface at the face confirmation terminal 2475. In the case of transmitting the face-to-face request information for the linked card together, the information receiving unit 2415 may link with the interface unit 2405 to the online content linked card and the image content corresponding to the identification card and / or the face-to-face application. It is possible to receive the face confirmation request information together (for example, the image receiver 2420 is integrated with the information receiver 2415 and operated), and the present invention is not limited thereto.

Referring to FIG. 24, when the card management server 2400 receives the face verification request information for the online account link card transmitted from the face check terminal 2475 through the information receiver 2415, the received card management server 2400 receives the face check request information. Characterized in that the verification request information for the face-to-face verification request for the online account linked card is provided with a validity authentication unit for checking the validity for limit adjustment through the face-to-face verification of the online account linked card.

According to an embodiment of the present invention, the validation of the face verification request information on the online account link card may include at least one or more matched with the face check request information on the online account link card in the ledger D / B on the financial system. It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 2425 includes checking whether the customer information matches the customer ledger stored in the ledger D / B on the financial system, among the information included in the face-to-face request information for the online account link card. It is preferable to make it.

In addition, the validity verification unit 2425 is a card associated with the customer ledger stored in the ledger D / B on the financial system of the online account linked card information of the information contained in the face-to-face verification request information for the online account linked card It is preferable to include checking whether the match with the ledger.

Referring to FIG. 24, the card management server 2400 receives the image content transmitted from the face confirmation terminal 2475 through the image receiver 2420, and receives the online information through the validity checker 2425. When the validity of the face verification request information on the account link card is authenticated, an electronic document generation unit 2430 for generating a predetermined face confirmation electronic document including the received image content, and the generated face confirmation electronic document. And an electronic document transmission unit 2435 for transmitting to the electronic document repository associated with the face-to-face verification system for the online account link card.

The electronic document generator 2430 may generate a face confirmation electronic document including the image content received from the face check terminal 2475 through the image receiver 2420.

According to an embodiment of the present invention, the electronic document generation unit 2430 links the image file including the image content received from the face-to-face confirmation terminal 2475 via the image receiving unit 2420 as it is to the online account. It is desirable to process the face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the card.

Alternatively, the electronic document generation unit 2430 faces the online account associated card received through the information receiving unit 2415 to the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. Face-to-face verification of the online account link card includes an image file corresponding to an image content including at least one of customer information included in the verification request information, at least one of the online account link card information, and face-to-face authentication information by watermarking. It is desirable to create a face-to-face electronic document for limit adjustment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 2430 includes a predetermined document file (eg, the image content received from the face-to-face terminal 2475 through the image receiving unit 2420). Linking the online account by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create a face-to-face electronic document for limit adjustment through face-to-face verification of the card.

Alternatively, the electronic document generation unit 2430 faces the online account associated card received through the information receiving unit 2415 to the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. A predetermined document including image information including at least one of customer information included in the verification request information, at least one of online account linked card information, and face-to-face authentication information by watermarking, and including the generated image content. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account linked card.

According to another exemplary embodiment of the present invention, the electronic document generator 2430 may receive the image content and the information receiver 2415 received from the face-to-face confirmation terminal 2475 through the image receiver 2420. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the face-to-face request information on the received online account link card. By generating a word processor file or a web document file including MHT), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account link card.

Alternatively, the electronic document generation unit 2430 faces the online account associated card received through the information receiving unit 2415 to the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. Generating image contents including at least one of customer information included in the verification request information, at least one of online information linked card information, and face-to-face authentication information by a watermarking method, and generating the generated image contents and the online account linked card A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including face-to-face request information for By creating a web document file including), limit adjustment through the face-to-face verification of the online account linked card It is desirable to create a face-to-face confirmation electronic document.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generation unit 2430 for generating a face-to-face confirmation electronic document in an image file format and / or a predetermined document file format, and the face-to-face confirmation. Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 2435 transmits and stores the face confirmation electronic document generated by the electronic document generation unit 2430 to a predetermined electronic document repository associated with the face verification system for the online account link card. It is characterized by.

As shown in FIG. 24, the electronic document repository is connected with a predetermined electronic document server 2450 and an electronic document linked with a card management server 2400 on a face-to-face verification system for the online account linked card through predetermined communication means. When provided to the outside including the D / B 2470, the electronic document transmission unit 2435 transmits the face confirmation electronic document generated by the electronic document generation unit 2430 through the communication means. Characterized in that the transmission to the server (2450).

Here, when the electronic document server 2450 and the electronic document D / B 2470 are provided outside of the face-to-face confirmation system for the online account link card, the electronic document server 2450 and the electronic document D / B 2470 is preferably managed by an accredited organization.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the face-to-face verification system for the online account linked card, the electronic document transmitting unit 2435 is the electronic document generating unit 2430. It is possible to store the face confirmation electronic document generated by the electronic document D / B (2470) corresponding to the electronic document storage on the DBMS provided in the face verification system for the online account linked card, thereby This is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 2435 may include electronic document-related information (eg, an ID corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 2450. Customer information that has matched or completed the face-to-face application, and / or financial institution (or card issuer) information that transmits the face-to-face confirmation electronic document, and / or electronic document file format information, and / or the online account association. It is possible to further transmit to the electronic document storage, and the like, such as the face-to-face confirmation request information for the card, thereby the present invention is not limited.

Referring to FIG. 24, the card management server 2400 may request that the face verification request information for the online account link card received through the information receiver 2415 be transferred to the online account link card through the validity check unit 2425. If the validity for limit adjustment through face-to-face verification is authenticated, delivery of the online account linked card is based on the customer information and the online account linked card information included in the face verification request information for the validated online account linked card. Information confirmation unit 2440 for confirming whether the non-face-to-face (for example, mail delivery) is made, and when the online account linked card delivery is made in a non-face-to-face, the verification information for the face-to-face linked card information Original limit of the amount of the online account linked card based on the face-to-face authentication information contained in Provided with a limit amount adjustment unit (2445) that adjusts characterized in that formed.

The information checking unit 2440 is issued to the customer through the card issuing system shown in FIG. 19 by using the customer information and the online account link card information included in the face-to-face request information for the online account link card. By checking the card ledger corresponding to the online account linked card, and confirming the delivery method information for the online linked card stored in the card ledger, whether the online account linked card delivery was made in a non-face-to-face manner (eg, mail delivery). It is characterized by checking.

When the verification result of the information confirming unit 2440 confirms that the online account linked card delivery is made in a non-face-to-face manner (for example, by mail delivery), the limit amount adjusting unit 2445 is configured for the online account linked card. The limit amount of the online account linked card is adjusted to the original limit amount based on the face authentication information included in the face confirmation request information.

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the limit amount adjustment unit 2445 adjusts the limit amount of the online account link card to the credit limit amount of the customer. It is preferable.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the limit amount adjustment unit 2445 may set the limit amount of the online account link card to the online account. It is desirable to adjust the balance to the online account associated with the linked card.

According to the implementation method of the present invention, after the limit amount of the online account linked card is adjusted to the desired limit amount by the limit amount adjustment unit 2445, the delivery method information is deleted, or It is preferred to be deactivated.

Referring to FIG. 24, a predetermined face confirmation electronic document is received from the card management server 2400 provided on the face check system for the online account linked card and stored in a predetermined electronic document D / B 2470. The managing electronic document server 2450 may include an electronic document receiving unit 2455 which receives a predetermined facing confirmation electronic document from the card management server 2400 through a predetermined communication means, and the received facing confirmation electronic document. An information generation unit 2460 for generating predetermined electronic document management information for storage and management in the electronic document D / B 2470, and the electronic document management information and the face-to-face confirmation electronic document in association with each other. And an electronic document storage unit 2465 storing the document D / B 2470.

The electronic document receiving unit 2455 may receive a face confirmation electronic document in the form of an image file and / or a document file from the card management server 2400 through the communication means.

According to an exemplary embodiment of the present invention, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be configured to display image contents received by the card management server 2400 from the face check terminal 2475. It is preferable that the image file is included as it is.

Alternatively, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be added to the online account link card to the image content received by the card management server 2400 from the face check terminal 2475. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information included in the face-to-face verification request information, the online account linked card information and the face-to-face authentication information in a watermarking method. .

According to another embodiment of the present invention, the face confirmation electronic document received by the electronic document receiving unit 2455 through the communication means is the image content received by the card management server 2400 from the face checking terminal 2475. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be included in the image content received by the card management server 2400 from the face check terminal 2475 for the online account associated card. A predetermined document file (eg, PDF (Portable Document) including image content including watermarking method of at least one of customer information included in the face-to-face request information, online account linked card information, and face-to-face authentication information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means is received by the card management server 2400 from the face confirmation terminal 2475. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content and face-to-face request information on the online account link card. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be included in the image content received by the card management server 2400 from the face check terminal 2475 for the online account associated card. It includes image information including the customer information included in the face-to-face request information, at least one or more of the online account-linked card information and the face-to-face authentication information by watermarking and face-to-face request information on the online account linked card. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

The information generating unit 2460 is a predetermined electronic document unique number (or unique information) to be assigned to the facing confirmation electronic document received through the electronic document receiving unit 2455, and the facing through the electronic document receiving unit 2455. And generating electronic document management information including electronic document storage date and time information including a date and time at which the confirmation electronic document was received (or a date and time at which the confirmation electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 2460 refers to the face confirmation electronic document by referring to the card management server 2400 which has transmitted the face confirmation electronic document received through the electronic document receiving unit 2455. It is preferable to check the financial institution (or card issuing institution) that has transmitted the document, and generate electronic document management information further including the identified financial institution (or card issuing institution) information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the card management server 2400 through the electronic document receiving unit 2455, the information generating unit 2460 receives the received information. Electronic document-related information (e.g., customer information that matches an identification card corresponding to the image content, or has created the face-to-face confirmation application, and / or financial institution (or card issuer) information transmitting the face-to-face confirmation electronic document, and And / or electronic document file format information, and / or face-to-face request information for the online account link card, etc.).

The electronic document storage unit 2465 associates a face-to-face confirmation electronic document received through the electronic document receiving unit 2455 with electronic document management information generated by the information generating unit 2460, thereby providing a predetermined electronic document D / D. It stores in the B (2470).

According to the exemplary embodiment of the present invention, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 is the card management server 2400 of the face confirmation terminal 2475. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 may be added to the image content received by the card management server 2400 from the face check terminal 2475. And an image file corresponding to an image content including at least one of customer information included in the face verification request information for the online account link card and at least one of the online account link card information and the face authentication information in a watermarking manner. It is preferable to make it.

According to another exemplary embodiment of the present invention, the face management electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 is the card management server 2400 of the face confirmation terminal 2475. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content received from Web document file including MHT).

Alternatively, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 may be included in the image content received by the card management server 2400 from the face check terminal 2475. A predetermined document file including image contents including watermarking method of the customer information included in the face-to-face request information on the online account link card and at least one of the online account link card information and the face-to-face authentication information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another embodiment of the present invention, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 is the card management server 2400 the face confirmation terminal ( A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP /) containing image content received from 2475 and face-to-face request information for the online account link card. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 may be included in the image content received by the card management server 2400 from the face check terminal 2475. Image information including the customer information included in the face-to-face request information on the online account link card and at least one or more of the online account link card information and the face-to-face authentication information by watermarking and the online account link card A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including face confirmation request information, or an MHT. Web document files, etc.).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 2470 by the electronic document storage unit 2465 in association with the face confirmation electronic document is stored in the face confirmation electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2470 by the electronic document storage unit 2465 in association with the face confirmation electronic document is stored in the face confirmation electronic document. Preferably, the card management server 2400 may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the card management server 2400, the electronic document storage unit 2465 processes the electronic document by linking with the face confirmation electronic document. The electronic document management information stored in the document D / B 2470 may correspond to the received electronic document related information (for example, customer information that matches the identification card corresponding to the image content or prepares the face-to-face application), and / or Financial institution (or card issuing institution) information for transmitting the face-to-face confirmation electronic document, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.). Do.

25A and 25B illustrate a face-to-face verification process for an online account link card according to an embodiment of the present invention.

More specifically, FIGS. 25A and 25B illustrate a case in which an online linked card issued through the card issuing system shown in FIG. 19 is delivered in a non-face-to-face manner (for example, mail delivery), and the limit amount is set to a small amount. When a customer of, fills out and submits an identification card and / or a face-to-face application that includes at least one of customer information, online account linked card information, and face-to-face verification information for limit adjustment through face-to-face verification of the online account linked card, The confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device, and the face-to-face confirmation system for the online account linked card through the face-to-face interface. Face-to-face verification of online account link card corresponding to ID and / or face-to-face verification application Upon providing the requested information and the image contents obtained from the identification card and / or the face-to-face application, a predetermined face confirmation electronic document including the image contents is generated and stored in a predetermined electronic document storage, and the online account linked card A method of adjusting the limit amount of the online account link card to the original limit amount based on the customer information, the online account link card information, and the face-to-face authentication information included in the face-to-face request information, After acquiring the predetermined image content corresponding to the identification card and / or the face confirmation application through a predetermined image acquisition device at the confirmation terminal 2475 and transmitting the predetermined image content to the card management server 2400, the identification card and / or the face check Please contact us for the face-to-face request information for the online account link card Force (or select) to illustrate the exemplary method of transmitting to the card management server (2400).

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 25a and 25b, and the online account link card from the face confirmation terminal 2475 to the card management server 2400. Various implementation methods for registering the face-to-face request information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 25A and 25B.

For example, in the implementation method illustrated in FIGS. 25A and 25B, the face confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or face confirmation application through a predetermined image acquisition device to manage the card. When provided to the server 2400, the card management server 2400 is to include a face-to-face confirmation electronic document corresponding to the image content is stored in a predetermined electronic document storage, but the image content acquisition and electronic document Storage may be omitted, and the present invention is not limited thereto.

Hereinafter, the face confirmation terminal 2475 shown in FIG. 24 in FIGS. 25A and 25B will be referred to as "terminal" for convenience, and the card management server 2400 shown in FIG. 24 will be referred to as "server" for convenience. The customer information and the online account link card information and the face authentication information transmitted from the face check terminal 2475 to the card management server 2400 are referred to as "face check request information for the online account link card" for convenience.

Referring to FIGS. 25A and 25B, an identification card and / or face-to-face contact with a customer includes at least one of customer information, online account linked card information, and face-to-face authentication information for limit adjustment through face-to-face verification of the online account linked card. When the confirmation application is completed and submitted, the face-to-face confirmation terminal 2475 shown in FIG. 24 is connected to the server through a predetermined financial network (or a communication network) to connect the predetermined communication channel, and the identification card and / or When requesting a user interface for limit adjustment through face-to-face verification of an online account linked card corresponding to a face-to-face application (2500), correspondingly, the server generates an identification card and And / or a user interface for acquiring and transmitting predetermined image content corresponding to the face-to-face confirmation application to the server. A face is generated (or extracted) (2505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (or a communication network) and output (2510).

Thereafter, the terminal acquires image content corresponding to the identification card and / or the face-to-face application through a predetermined image acquisition device based on the user interface (2515).

If image content corresponding to the identification card and / or the face-to-face application is obtained through the image acquisition device (2520), the terminal transmits the acquired image content to the server through the financial network (or communication network). (2525).

Subsequently, the server may provide face verification request information for the online account link card including at least one of customer information corresponding to the identification card and / or face verification application matching the image content, and online account link card information and face authentication information. Input (or select) to generate (or extract) a user interface for transmission to the server (2530), and transmits the generated (or extracted) user interface to the terminal through the financial network (or communication network) output (2535).

Thereafter, the terminal inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface (2540).

If face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information is input (or selected) through the user interface (2545), the terminal determines the In step 2550, the face verification request information for the input (or selected) online account link card is transmitted to the server through a financial network (or a communication network).

Thereafter, the server receives and reads the face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the financial network (or communication network). The validity of the face verification request information on the account link card is verified (2555).

According to an embodiment of the present invention, the validity verification of the face verification request information for the online account link card is performed by the online account link card to the ledger D / B on the financial system linked to the face check system for the online account link card. Preferably, at least one ledger information matching with the face-to-face request information is included.

For example, the validity of the face verification request information on the online account link card may include the information stored in the face check request information on the online account link card, wherein the customer information is stored in the ledger D / B on the financial system. It is preferable to include checking whether the match with the ledger.

In addition, the validity of the face verification request information for the online account linked card is the information contained in the face verification request information for the online account linked card, the online account linked card information is the ledger D / B on the financial system It is preferably made to include matching with the card ledger associated with the customer ledger stored in.

If the validity of the face verification request information for the online account link card is not authenticated (2560), the server generates predetermined face check error information and transmits it to the terminal (2565). The information registration procedure corresponding to the face-to-face confirmation request information is not performed.

On the other hand, if the validity of the face verification request information for the online account linked card is authenticated (2560), the server generates a predetermined face verification electronic document including the image content (2570).

According to an exemplary embodiment of the present invention, the server receives an image file including the image contents received from the face confirmation terminal 2475 through the image receiver 2420 through face-to-face verification of the online account link card as it is. It is desirable to treat it as a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Face-to-face image file corresponding to image contents including at least one of customer information, online account linked card information, and face-to-face authentication information by watermarking for face adjustment of the online account linked card It is desirable to create a confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a face-to-face electronic document for limit adjustment.

Alternatively, the server may include the image content received from the face confirmation terminal 2475 through the image receiver 2420 in the face confirmation request information for the online account link card received through the information receiver 2415. Generate an image content including at least one of customer information, online account linked card information, and face-to-face authentication information by a watermarking method, and a predetermined document file (eg, PDF) including the generated image content (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a face-to-face confirmation electronic document for limit adjustment through face-to-face verification.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420 and the online account link card received through the information receiving unit 2415. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including face-to-face request information for By generating a web document file, etc.), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account linked card.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generating image content including at least one of customer information, online account link card information, and face-to-face authentication information by a watermarking method, and verifying face-to-face request information on the generated image content and the online account link card; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Face-to-face verification for limit adjustment through face-to-face verification of the online account linked card) It is desirable to produce a consultation document.

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

Thereafter, the server stores the generated face confirmation electronic document in a predetermined electronic document storage (2575).

As shown in FIG. 24, the electronic document repository is connected to a server on the face-to-face verification system for the online account link card with a predetermined electronic document server 2450 and an electronic document D / B 2470 through predetermined communication means. When the server is provided externally, the server transmits the generated confirmation electronic document to the electronic document server 2450 through the communication means and stores the electronic document server 2450 in the electronic document D / B 2470. desirable.

Or, if the electronic document storage is provided on the DBMS provided in the face-to-face verification system for the online account link card, the server sends the generated face verification electronic document in the face-to-face verification system for the online account link card. It is possible to store in the electronic document D / B (2470) corresponding to the electronic document storage on the provided DBMS, whereby the present invention is not limited.

According to the method of the present invention, the storing of the face confirmation electronic document in the electronic document storage is performed by linking the generated face confirmation electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 2470.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the face-to-face confirmation electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, matching the identification card corresponding to the image content, or the customer information that created the face-to-face confirmation application, and / or the financial for transmitting the face-to-face confirmation electronic document Organization (or card issuing agency) information, and / or electronic document file format information, and / or face-to-face request information for the online account link card, etc.).

If the face confirmation electronic document is stored in the electronic document repository (2580), the server links the online account through the online account link card information and the customer information included in the face check request information for the online account link card. It is checked whether the card is delivered in a non-face to face manner (eg, mail delivery) (2585).

According to an embodiment of the present invention, the server uses the customer information and the online account linked card information included in the face verification request information for the online account linked card through the card issuing system shown in FIG. 19. By confirming the card ledger corresponding to the online account linked card issued to the user, and confirming the delivery method information for the online linked card stored in the card ledger, the online account linked card delivery is non-face-to-face (for example, mail delivery). It is desirable to check whether the made.

If the delivery of the online account link card is not performed in a non-face-to-face manner (eg, mail delivery) (eg, after the card applet corresponding to the face-to-face approach (eg, direct visit or face-to-face), the delivery of the online account link card is performed. Issue) (2590), the server generates (or extracts) a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment failure and transmits the result to the terminal (2599).

On the other hand, if the delivery of the online account link card is made in a non-face-to-face manner (eg, mail delivery) (2590), the server may be configured based on the face authentication information included in the face-to-face request information for the online account link card. The limit amount of the online account linked card is adjusted to the original limit amount (2595), and a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment success is generated (or extracted) and transmitted to the terminal (2599). ).

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the server may adjust the limit amount of the online account link card to the credit limit amount of the customer.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the server may limit the limit amount of the online account link card to the online account link card. It is preferable to adjust the balance of the online account.

26A and 26B illustrate a face-to-face verification process for an online account link card according to another embodiment of the present invention.

In more detail, FIGS. 26A and 26B illustrate a case in which an online linked card issued through the card issuing system shown in FIG. 19 is delivered in a non-face-to-face manner (for example, mail delivery) and the limit amount is set to a small amount. When a customer of, fills out and submits an identification card and / or a face-to-face application that includes at least one of customer information, online account linked card information, and face-to-face verification information for limit adjustment through face-to-face verification of the online account linked card, The confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device, and the face-to-face confirmation system for the online account linked card through the face-to-face interface. Face-to-face verification of online account link card corresponding to ID and / or face-to-face verification application Upon providing the requested information and the image contents obtained from the identification card and / or the face-to-face application, a predetermined face confirmation electronic document including the image contents is generated and stored in a predetermined electronic document storage, and the online account linked card A method of adjusting the limit amount of the online account link card to the original limit amount based on the customer information, the online account link card information, and the face-to-face authentication information included in the face-to-face request information, After confirming (2475) inputs (or selects) the face-to-face request information for the online account linked card corresponding to the identification card and / or the face-to-face confirmation application and transmits it to the card management server 2400, a predetermined image is acquired. A predetermined image corresponding to the identification card and / or the face-to-face application via a device An exemplary method of acquiring and transmitting content to the card management server 2400 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 26a and 26b to the card management server 2400 from the face-to-face confirmation terminal 2475 to the online account link card. Various implementation methods for registering the face-to-face request information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 26A and 26B.

For example, in the implementation method illustrated in FIGS. 26A and 26B, the face confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or face confirmation application through a predetermined image acquisition device to manage the card. When provided to the server 2400, the card management server 2400 is to include a face-to-face confirmation electronic document corresponding to the image content is stored in a predetermined electronic document storage, but the image content acquisition and electronic document Storage may be omitted, and the present invention is not limited thereto.

Hereinafter, the face confirmation terminal 2475 shown in FIG. 24 in FIG. 26A and FIG. 26B will be referred to as "terminal" for convenience, and the card management server 2400 shown in FIG. 24 will be referred to as "server" for convenience. The customer information and the online account link card information and the face authentication information transmitted from the face check terminal 2475 to the card management server 2400 are referred to as "face check request information for the online account link card" for convenience.

Referring to FIGS. 26A and 26B, an identification card and / or face-to-face verification including at least one customer information, online account linking card information, and face-to-face authentication information for a predetermined customer to adjust the limit through face-to-face verification of the online account linking card After completing and submitting an application, the face-to-face confirmation terminal 2475 shown in FIG. 24 connects to the server through a predetermined financial network (or a communication network) and connects the ID and / or face-to-face with a predetermined communication channel. When requesting a user interface for limit adjustment through face-to-face verification of an online account link card corresponding to the confirmation application (2600), the server may correspond to customer information corresponding to the identification card and / or face-to-face confirmation application created by the customer. For an online account linked card that includes at least one online account linked card information and face-to-face authentication information. Generate (or extract) a user interface for inputting (or selecting) verification request information to the server (2605), and generating the user interface generated (or extracted) through the financial network (or communication network). And transmits the result to 2602.

Thereafter, the terminal inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface (2615).

If face-to-face request information is input (or selected) for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the user interface (2620), The contact confirmation request information for the input (or selected) online account link card is transmitted to the server through a financial network (or a communication network) (2625).

Thereafter, the server receives and reads the face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the financial network (or communication network). The validity of the face verification request information on the account link card is verified (2630).

According to an embodiment of the present invention, the validity verification of the face verification request information for the online account link card is performed by the online account link card to the ledger D / B on the financial system linked to the face check system for the online account link card. Preferably, at least one ledger information matching with the face-to-face request information is included.

For example, the validity of the face verification request information on the online account link card may include the information stored in the face check request information on the online account link card, wherein the customer information is stored in the ledger D / B on the financial system. It is desirable to include checking the match with the ledger.

In addition, the validity of the face verification request information for the online account linked card is the information contained in the face verification request information for the online account linked card, the online account linked card information is the ledger D / B on the financial system It is preferably made to include matching with the card ledger associated with the customer ledger stored in.

If the validity of the face verification request information for the online account link card is not authenticated (2635), the server generates predetermined face check error information and transmits the predetermined face check error information to the terminal (2640). The information registration procedure corresponding to the face-to-face confirmation request information is not performed.

On the other hand, if the validity of the face-to-face request information for the online account linked card is authenticated (2635), the server corresponds to a predetermined ID and / or face-to-face application form created by the customer through a predetermined image acquisition device in the terminal. Generating (or extracting) a user interface for acquiring and transmitting image content of the image to the server (2645), and transmitting and outputting the generated (or extracted) user interface to the terminal through the financial network (or a communication network). (2650)

Thereafter, the terminal acquires image content corresponding to the identification card and / or the face-to-face application through a predetermined image acquisition device based on the user interface (2655).

If image content corresponding to the identification card and / or the face-to-face application is acquired through the image acquisition device (2660), the terminal transmits the acquired image content to the server through the financial network (or communication network). (2665).

In operation 2670, the server that receives the face confirmation request information and the image content of the online account link card from the terminal generates a face confirmation electronic document including the image content.

According to an exemplary embodiment of the present invention, the server receives an image file including the image contents received from the face confirmation terminal 2475 through the image receiver 2420 through face-to-face verification of the online account link card as it is. It is desirable to treat it as a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Face-to-face image file corresponding to image contents including at least one of customer information, online account linked card information, and face-to-face authentication information by watermarking for face adjustment of the online account linked card It is desirable to create a confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generate image content including at least one of customer information, online account linked card information, and face-to-face authentication information in a watermarking manner, and include a predetermined document file (eg, a PDF file including the generated image content). A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create a face-to-face confirmation electronic document for limit adjustment through face-to-face confirmation.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420 and the online account link card received through the information receiving unit 2415. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including face-to-face request information for By generating a web document file, etc.), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account linked card.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generating image content including at least one of customer information, online account link card information, and face-to-face authentication information by a watermarking method, and verifying face-to-face request information on the generated image content and the online account link card; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Face-to-face verification for limit adjustment through face-to-face verification of the online account linked card) It is desirable to produce a consultation document.

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

Thereafter, the server stores the generated face confirmation electronic document in a predetermined electronic document storage (2675).

As shown in FIG. 24, the electronic document repository is connected to a server on the face-to-face verification system for the online account link card with a predetermined electronic document server 2450 and an electronic document D / B 2470 through predetermined communication means. When the server is provided externally, the server transmits the generated confirmation electronic document to the electronic document server 2450 through the communication means and stores the electronic document server 2450 in the electronic document D / B 2470. desirable.

Or, if the electronic document storage is provided on the DBMS provided in the face-to-face verification system for the online account link card, the server sends the generated face verification electronic document in the face-to-face verification system for the online account link card. It is possible to store in the electronic document D / B (2470) corresponding to the electronic document storage on the provided DBMS, whereby the present invention is not limited.

According to the method of the present invention, the storing of the face confirmation electronic document in the electronic document storage is performed by linking the generated face confirmation electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 2470.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the face-to-face confirmation electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, matching the identification card corresponding to the image content, or the customer information that created the face-to-face confirmation application, and / or the financial for transmitting the face-to-face confirmation electronic document Organization (or card issuing agency) information, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.).

If the face confirmation electronic document is stored in the electronic document repository (2680), the server links the online account through the online account link card information and the customer information included in the face check request information for the online account link card. It is checked whether the card is delivered in a non-face to face manner (eg, mail delivery) (2685).

According to an embodiment of the present invention, the server uses the customer information and the online account linked card information included in the face verification request information for the online account linked card through the card issuing system shown in FIG. 19. By confirming the card ledger corresponding to the online account linked card issued to the user, and confirming the delivery method information for the online linked card stored in the card ledger, the online account linked card delivery is non-face-to-face (for example, mail delivery). It is desirable to check whether the made.

If the delivery of the online account link card is not performed in a non-face-to-face manner (eg, postal delivery) (eg, after the card applet corresponding to the face-to-face approach (eg, direct visit or face-to-face), the delivery of the online account link card is performed. 2690), the server generates (or extracts) a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment failure and transmits the result to the terminal (2699).

On the other hand, if the delivery of the online account link card is made in a non-face-to-face manner (eg, mail delivery) (2690), the server may be configured based on the face authentication information included in the face verification request information for the online account link card. The limit amount of the online account linked card is adjusted to the original limit amount (2695), and a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment success is generated (or extracted) and transmitted to the terminal (2699). ).

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the server may adjust the limit amount of the online account link card to the credit limit amount of the customer.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the server may limit the limit amount of the online account link card to the online account link card. It is advisable to adjust the balance of your online account.

27A and 27B illustrate a face-to-face verification process for an online account link card according to another embodiment of the present invention.

More specifically, FIGS. 27A and 27B show a case in which an online linked card issued through the card issuing system shown in FIG. 19 is delivered in a non-face-to-face manner (for example, mail delivery) and the limit amount is set to a small amount. When a customer of, fills out and submits an identification card and / or a face-to-face application that includes at least one of customer information, online account linked card information, and face-to-face verification information for limit adjustment through face-to-face verification of the online account linked card, The confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device, and the face-to-face confirmation system for the online account linked card through the face-to-face interface. Face-to-face verification of online account link card corresponding to ID and / or face-to-face verification application Upon providing the requested information and the image contents obtained from the identification card and / or the face-to-face application, a predetermined face confirmation electronic document including the image contents is generated and stored in a predetermined electronic document storage, and the online account linked card A method of adjusting the limit amount of the online account link card to the original limit amount based on the customer information, the online account link card information, and the face-to-face authentication information included in the face-to-face request information, Acquiring predetermined image contents corresponding to the identification card and / or the face-to-face application through a predetermined image acquisition device at a confirmation terminal 2475, and for an online account link card corresponding to the identification card and / or the face-to-face application Enter (or select) face-to-face request information and the card management service The implementation method of transmitting to the server 2400 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 27a and 27b to the online account link card from the face verification terminal 2475 to the card management server 2400. Various implementation methods for registering the face-to-face request information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 27A and 27B.

For example, in the implementation method illustrated in FIGS. 27A and 27B, the face confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or face confirmation application through a predetermined image acquisition device to manage the card. When provided to the server 2400, the card management server 2400 is to include a face-to-face confirmation electronic document corresponding to the image content is stored in a predetermined electronic document storage, but the image content acquisition and electronic document Storage may be omitted, and the present invention is not limited thereto.

Hereinafter, the face confirmation terminal 2475 shown in FIG. 24 in FIGs. 27A and 27B will be referred to as "terminal" for convenience, and the card management server 2400 shown in FIG. 24 will be referred to as "server" for convenience. The customer information and the online account link card information and the face authentication information transmitted from the face check terminal 2475 to the card management server 2400 are referred to as "face check request information for the online account link card" for convenience.

Referring to FIGS. 27A and 27B, an identification card and / or face-to-face verification including at least one of customer information, online account-linked card information, and face-to-face authentication information for a given customer to adjust the limit through face-to-face verification of the online account linked card After completing and submitting an application, the face-to-face confirmation terminal 2475 shown in FIG. 24 connects to the server through a predetermined financial network (or a communication network) and connects the ID and / or face-to-face with a predetermined communication channel. When requesting a user interface for limit adjustment through face-to-face verification of an online account link card corresponding to the confirmation application (2700), the server corresponding to the identification card and / or face-to-face confirmation application prepared by the customer in the terminal corresponding thereto. Input (or select) the face-to-face request information for the online account link card and through a predetermined image acquisition device Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the identification card and / or the face-to-face application to the server (2705), and generating (or extracting) through the financial network (or communication network). The extracted user interface is transmitted to the terminal and output (2710).

Thereafter, the terminal inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface (2715).

If face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information is input (or selected) through the user interface (2720), the terminal receives the An image content corresponding to the identification card and / or the face-to-face application is obtained through a predetermined image acquisition device based on a user interface (2725).

If image contents corresponding to the identification card and / or the face-to-face confirmation application are obtained through the image acquisition device (2730), the terminal receives the face-to-face request information for the online account link card through the financial network (or communication network). And image content to the server (2735).

Thereafter, the server receives and reads the face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the financial network (or communication network). The validity of the face verification request information on the account link card is verified (2740).

According to an embodiment of the present invention, the validity verification of the face verification request information for the online account link card is performed by the online account link card to the ledger D / B on the financial system linked to the face check system for the online account link card. Preferably, at least one ledger information matching with the face-to-face request information is included.

For example, the validity of the face verification request information on the online account link card may include the information stored in the face check request information on the online account link card, wherein the customer information is stored in the ledger D / B on the financial system. It is preferable to include checking whether the match with the ledger.

In addition, the validity of the face verification request information for the online account linked card is the information contained in the face verification request information for the online account linked card, the online account linked card information is the ledger D / B on the financial system It is preferably made to include matching with the card ledger associated with the customer ledger stored in.

If the validity of the face verification request information for the online account link card is not authenticated (2745), the server generates predetermined face check error information and transmits the predetermined face check error information to the terminal (2750). The information registration procedure corresponding to the face-to-face confirmation request information is not performed.

On the other hand, if the validity of the face verification request information for the online account link card is authenticated (2745), the server generates a predetermined face verification electronic document including the image content (2755).

According to an exemplary embodiment of the present invention, the server receives an image file including the image contents received from the face confirmation terminal 2475 through the image receiver 2420 through face-to-face verification of the online account link card as it is. It is desirable to treat it as a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Face-to-face image file corresponding to image contents including at least one of customer information, online account linked card information, and face-to-face authentication information by watermarking for face adjustment of the online account linked card It is desirable to create a confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. File), an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generate image content including at least one of customer information, online account linked card information, and face-to-face authentication information in a watermarking manner, and include a predetermined document file (eg, a PDF file including the generated image content). A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create a face-to-face confirmation electronic document for limit adjustment through face-to-face confirmation.

According to another exemplary embodiment of the present invention, the server associates the image content received from the face-to-face confirmation terminal 2475 with the online account received through the information receiver 2415 through the image receiver 2420. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one face verification request information on the card, or By generating a web document file including the MHT), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account link card.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generating image content including at least one of customer information, online account link card information, and face-to-face authentication information by a watermarking method, and verifying face-to-face request information on the generated image content and the online account link card; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Face-to-face verification for limit adjustment through face-to-face verification of the online account linked card) It is desirable to produce a consultation document.

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

Thereafter, the server stores the generated face confirmation electronic document in a predetermined electronic document storage (2760).

As shown in FIG. 24, the electronic document repository is connected to a server on the face-to-face verification system for the online account link card with a predetermined electronic document server 2450 and an electronic document D / B 2470 through predetermined communication means. When the server is provided externally, the server transmits the generated confirmation electronic document to the electronic document server 2450 through the communication means and stores the electronic document server 2450 in the electronic document D / B 2470. desirable.

Or, if the electronic document storage is provided on the DBMS provided in the face-to-face verification system for the online account link card, the server sends the generated face verification electronic document in the face-to-face verification system for the online account link card. It is possible to store in the electronic document D / B (2470) corresponding to the electronic document storage on the provided DBMS, whereby the present invention is not limited.

According to the method of the present invention, the storing of the face confirmation electronic document in the electronic document storage is performed by linking the generated face confirmation electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 2470.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the face-to-face confirmation electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, matching the identification card corresponding to the image content, or the customer information that created the face-to-face confirmation application, and / or the financial for transmitting the face-to-face confirmation electronic document Organization (or card issuing agency) information, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.).

If the face confirmation electronic document is stored in the electronic document repository (2765), the server links the online account through the online account link card information and the customer information included in the face check request information for the online account link card. It is checked whether the card is delivered in a non-face to face manner (eg, mail delivery) (2770).

According to an embodiment of the present invention, the server uses the customer information and the online account linked card information included in the face verification request information for the online account linked card through the card issuing system shown in FIG. 19. By confirming the card ledger corresponding to the online account linked card issued to the user, and confirming the delivery method information for the online linked card stored in the card ledger, the online account linked card delivery is non-face-to-face (for example, mail delivery). It is desirable to check whether the made.

If the delivery of the online account link card is not performed in a non-face-to-face manner (eg, mail delivery) (eg, after the card applet corresponding to the face-to-face approach (eg, direct visit or face-to-face), the delivery of the online account link card is performed. Issuance) (2785), the server generates (or extracts) a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment failure and transmits the result to the terminal (2785).

On the other hand, if the delivery of the online account link card is made in a non-face-to-face manner (eg, mail delivery) (2775), the server may be configured based on the face authentication information included in the face verification request information for the online account link card. The limit amount of the online account linked card is adjusted to the original limit amount (2780), and a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment success is generated (or extracted) and transmitted to the terminal (2785). ).

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the server may adjust the limit amount of the online account link card to the credit limit amount of the customer.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the server may limit the limit amount of the online account link card to the online account link card. It is preferable to adjust the balance of the online account.

FIG. 28 illustrates a face-to-face information registration system for charging an online account linked card according to an embodiment of the present invention.

More specifically, FIG. 28 is an information registration system for registering card charging information for charging a predetermined amount of money in an online linked card issued through the card issuing system shown in FIG. 19. Provides the card charging information including at least one of the card information, the charge limit amount information and the charging fee settlement information for the online account linked card to charge the online account linked card according to the present invention through the information registration interface When the information registration system, the card information, the charge limit amount information and the charge fee settlement information for the online account linked card included in the provided card charge information is linked to process the system configuration for storing in a predetermined storage medium (2830) As to, it is conventional in the art Those skilled in the art will be able to infer various implementation methods for the configuration of the information registration system for charging the online account link card by referring to and / or modifying the drawing 28. It is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the method of registering the card charging information including at least one card information, charge limit amount information and charge fee settlement information for the online account linked card May be included in the card issuance application process on the card issuance system shown in FIG. 19, or may be included in the process of requesting a face-to-face confirmation of the face confirmation system shown in FIG. If the charging for the linked card is operated according to the policy of the financial institution (or the card issuing period) managing the online account (or the online account linked card), the information registration system shown in FIG. 28 may be omitted. It will be inferred that the present invention is not limited thereby.

Hereinafter, at least one means and / or functional configuration for storing the card charging information provided from the customer on the storage medium 2830 on the information registration system shown in FIG. 28 through a predetermined information registration interface. The component is referred to as "information registration server 2800" for convenience.

Referring to FIG. 28 according to an embodiment of the present invention, an information registration system for charging an online account linked card according to the present invention includes an information registration terminal 2835 including a teller terminal provided at at least one financial institution branch. The information registration terminal 2835 is connected to the information registration server 2800 provided on the information registration system through a predetermined financial network.

According to the method of the present invention, the customer visits the financial institution branch for the charging of the online account linked card according to the present invention, and the online account through the window provided at the financial institution branch (or through the teller). When a prescribed application for charging the linked card (for example, a document with a form for filling in at least one information item for charging the online account linked card) is completed and the completed application is submitted to the counter staff, The teller enters (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal uses the input (or select) information on the information registration system through the financial network. It is preferable to transmit to the registration server 2800.

Here, the teller terminal preferably comprises a manager terminal used by a teller provided at the branch of the financial institution, the information registration server 2800 connected to the teller terminal is ledger provided on the predetermined financial system It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 2800 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 2800. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal with the information registration server 2800 are provided by the customer according to the present invention. It performs a function of the information registration interface for registering the card charging information for charging the account linked card.

The storage medium 2830 provided on the information registration system according to the present invention includes card information and charge limit amount information for the online account linked card included in the card charging information provided from the information registration terminal 2835. The charge fee settlement information is linked and stored in a predetermined storage medium 2830, wherein the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card stored in the storage medium 2830 Card charging information including at least one is used for charging the online account linked card according to the present invention.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information corresponds to fee payer information (for example, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged to the online account link card. A merchant, a financial institution (or a card issuing institution), or a web server operating institution), and a financial institution (or card) that manages the online server-linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one fee settlement ratio information including the charge fee settlement rate between the issuing institution), the charge fee settlement is the fee policy of the financial institution (or card issuer), Or in an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

According to one embodiment of the invention, the storage medium 2830 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 2830 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 2830 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 2800 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 2835 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 2835 is a window terminal connected to a predetermined financial network, the information registration server 2800 is located on a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 2800 is characterized by comprising an interface unit 2805 for connecting and managing a predetermined communication channel with the information registration terminal 2835 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 2835 is a window terminal connected to a predetermined financial network, the interface unit 2805 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 28, the information registration server 2800 is a predetermined information registration terminal 2835 connects the communication channel with the information registration server 2800 through the interface unit 2805, or register the card charging information Upon request, the information registration terminal generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined card charging information from the information registration terminal 2835 in cooperation with the interface unit 2805 to generate the information registration terminal. Interface card unit 2810 provided to the (2835), and the predetermined card charging information to be input (or selected) transmitted by the information registration terminal 2835 through the user interface in conjunction with the interface unit 2805 The receiving information receiving unit 2815 and the validity confirming unit 2820 for checking the validity of the received card charging information, and the on-the-record contained in the card charging information confirmed validity And an information storage unit 2825 that stores the card information, the charge limit amount information, and the charge fee settlement information for the line account linked card in a predetermined storage medium 2830 and stores the link information.

The interface providing unit 2810 registers the information when a predetermined information registration terminal 2835 connects a communication channel with the information registration server 2800 through the interface unit 2805 or requests card registration information registration. Generates a predetermined user interface capable of inputting (or selecting) the card charging information and transmitting the card charging information to the information registration server 2800 through the financial network in accordance with the functional configuration provided in the terminal 2835. Extracting from a predetermined database (not shown) and providing the user interface generated (or extracted) in cooperation with the interface unit 2805 to the information registration terminal 2835 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the card charging information to the information registration terminal 2835 and transmitting the information to the information registration server 2800 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 2810 for providing the user interface to the information registration terminal 2835 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2835 inputs (or selects) card charging information including at least one of card information, a charge limit amount information, and a charge fee settlement information for the online account linked card based on the user interface. And transmits the input (or selected) card charging information to the information registration server 2800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 2835 is a window terminal connected to a predetermined financial network, the interface providing unit 2810 may be provided with a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 2805.

The information receiving unit 2815 inputs card charging information including at least one of card information, charge limit amount information, and charge fee settlement information for an online account linked card through the user interface at the information registration terminal 2835 ( Or select) to transmit through the financial network, the card charging information is received in association with the interface unit 2805, and provides the received card charging information to the validity checking unit 2820. .

The validity confirming unit 2820 may check whether the card charging information received from the information registration terminal 2835 satisfies the validity for charging the online account linked card.

According to an embodiment of the present invention, the validity check of the card charging information may be performed by checking whether at least one ledger information matching the card charging information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

For example, the validity check of the card charging information includes checking whether a card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B on the financial system. It is preferable.

When the validity of the card charging information is confirmed, the information storage unit 2825 stores the card information, the charge limit amount information, and the charging fee settlement information for the online account linked card included in the card charge information by linking the storage information. And storing the information when the storage medium 2830 is provided in the information registration server 2800 or on a network associated with the information registration server 2800. The unit 2825 preferably processes the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the received card charge information and stores the information in the storage medium 2830. When the storage medium 2830 is provided in the DBMS provided on the financial system, the information storage unit 2825 is connected to the online account included in the received card charging information. Information provided to step the card information and the charge information and charging fee settlement limit amount information on the card through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

29 is a view showing the configuration of the card charge information stored in the ledger D / B (2900) provided in the DBMS on the financial system in a face-to-face for the charging of the online account link card in accordance with an embodiment of the present invention.

More specifically, FIG. 29 shows the ledger information provided in the ledger D / B 2900 when the storage medium 2830 illustrated in FIG. 28 is the ledger D / B 2900 provided in the DBMS on the financial system. As shown in FIG. 19, there is shown an information structure for the method of storing the card charging information including the card information, the charge limit amount information, and the charging fee settlement information for the online account linked card. When the ledger D / B 2900 provided in the DBMS on the online account ledger in the form of a virtual account as shown in FIG. 20 is provided, and the card ledger corresponding to the online account linked card is associated with the online ledger, Information in which card charging information including card information, charge limit amount information, and charging fee settlement information for the online account linked card is stored in the form of additional information in the card ledger. The configuration is shown.

Those skilled in the art to which the present invention pertains can deduce various information construction methods for storing the card charging information in the ledger D / B 2900 by referring to and / or modifying the drawing 29. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 29 to link the ledger D / B 2900 with an online account ledger in the form of a virtual account as shown in FIG. It is possible to infer an implementation method of linking and storing the card charging information in a card ledger associated with another online account ledger (for example, an online account ledger in the form of a prepaid card-based bank account) in addition to the old card ledger. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 2900 has at least one ledger (e.g., a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. Omit.

The customer ledger issues at least one financial account to the financial institution (or card issuing institution) and processes at least one financial transaction through the financial account (for example, individual customer, corporate customer, corporate customer, etc.). This is a ledger that stores customer information corresponding to the CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification. Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage , Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

Wherein the virtual account ledger (or online account ledger) is connected in a relational manner to the account ledger corresponding to the parent account of the virtual account among the account ledgers, wherein the virtual account ledger information includes basic account ledger information It characterized in that it comprises an information configuration that further comprises the mother account number and the mother account operating institution information.

Those of ordinary skill in the art to which the present invention pertains include an online account linked card ledger according to the virtual account ledger information structure associated with the account ledger and the virtual account ledger information structure based on the basic account ledger information structure. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

The card ledger is connected in relation to the virtual account ledger (or online account ledger), wherein the card ledger information is the card information generated corresponding to the card attribute setting information included in the card issuance application information, Characterized in that it comprises a limit amount information for the online account linked card.

Those skilled in the art will be able to deduce a cardholder information configuration including card information generated according to the card type setting information of the card attribute setting information included in the card issuing application information Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 29, the card charging information provided through the information registration system shown in FIG. 28 is stored in the form of additional information added to the account ledger, and the card charging information is stored in the online account linked card. And at least one of card information, charge limit amount information, and charge fee settlement information.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. And at least one fee settlement ratio information including a charge fee settlement ratio between the institutions), and according to the intention of the person skilled in the art, the charge fee settlement is the fee policy of the financial institution (or card issuer); Or in an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

30 is a diagram showing the configuration of the card charging information stored in the database associated with the ledger D / B (3000) provided in the DBMS on the financial system in a face-to-face for the charging of the online account linked card according to another embodiment of the present invention Drawing.

More specifically, FIG. 30 shows an information structure for an exemplary method in which the storage medium 2830 shown in FIG. 28 is stored in a predetermined database linked to the ledger D / B 3000 provided in the DBMS on the financial system. As shown in the drawings, those of ordinary skill in the art may refer to and / or modify this drawing 30 to associate the card charging information with the ledger D / B 3000 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, this figure 30 shows that when it is not easy to store the card charging information in the ledger information of the ledger D / B 3000 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B (3000) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), instead of the ledger D / B (3000) stores the card charge information in a predetermined database, and The implementation method of linking and storing a database and the ledger D / B 3000 is illustrated.

In addition, the database shown in FIG. 30 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 30, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 30, the database stores and stores the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the card charge information. Preferably, the card charge information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B 3000.

Here, the card information for the online account linked card preferably comprises a card number for the online account linked card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. And at least one fee settlement ratio information including a charge fee settlement ratio between institutions), and according to the intention of a person skilled in the art, the charge fee settlement is the fee policy of the financial institution (or card issuing institution), Or in an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

31 is a view showing the configuration of the card charge information stored in the DBMS provided in the payment server in a face-to-face for charging the online account linked card in accordance with another embodiment of the present invention.

More specifically, FIG. 31 shows that a storage medium 2830 shown in FIG. 28 is provided with a predetermined payment provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one payment server by referring to and / or modified in this drawing 31 It is possible to infer an information construction method for card charging information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 31, a predetermined DBMS provided in the payment server associates and stores the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the card charge information. It features.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

32 is a diagram illustrating a process of registering card charging information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 32 shows a case where the information registration server 2800 on the information registration system shown in FIG. 28 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal is connected to the information registration server 2800 to connect a communication channel for information registration according to the present invention, or when the card charging information registration request, the information registration server 2800 through the communication channel When the card charging information including the card information, the charge limit amount information and the charging fee settlement information for the online account linked card to the transmission, the online account included in the received card charging information from the information registration server 2800 The card information, the charge limit amount information, and the charge fee settlement information for the linked card are interlinked to be stored in a predetermined storage medium 3005. As a method, one of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 32 to register the card charging information with the information registration server 2800 at the teller terminal. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 32, the window terminal shown in FIG. 28 is referred to as "terminal" for convenience, and the information registration server 2800 shown in FIG. 28 is referred to as "server" for convenience, and the information is registered in the window terminal. The card information, the charge limit amount information, and the charge fee settlement information for the online account linked card transmitted to the server 2800 are referred to as "card charge information" for convenience.

Referring to FIG. 32, the teller terminal shown in FIG. 28 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the card charging information, and charges the online account linked card. When requesting registration of the card charging information for 3200, the server generates (or extracts) a predetermined information registration interface for registering the card charging information (3205), and generates (or extracts) through the communication channel. In operation 3210, the information registration interface is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface inputs (or selects) card charging information including at least one of card information, a charge limit amount information, and a charge fee settlement information for the online account linked card at the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) 3155 card information including card information, charge limit amount information, and charge fee settlement information for at least one online account linked card through the information registration interface (3215).

If the terminal receives (or selects) card charging information including the card information, the charge limit amount information, and the charging fee settlement information for the online account linked card through the information registration interface (3220), the terminal receives the The card charging information including the card information, the charge limit amount information, and the charging fee settlement information for the input (or selected) online account linked card is transmitted to the server through the financial network (3225).

Thereafter, the server receives and reads the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card through the financial network to confirm the validity of the card charge information (3230).

According to an embodiment of the present invention, the validity check of the card charging information is registered at least one or more ledger information matching the card charging information in the ledger D / B (3000) on the financial system associated with the information registration system It is preferable to include checking whether there is.

For example, the validity check of the card charging information is to check whether the card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B 3000 on the financial system. It is preferable to comprise.

If the validity of the card charging information is not authenticated (3235), the server generates predetermined information registration error information and transmits it to the terminal (3240), and does not perform an information registration procedure corresponding to the card charging information. Do not.

On the other hand, if the validity of the card charging information is authenticated (3235), the server performs the information registration procedure corresponding to the card charging information, the card information, charge limit amount information and charge fee information for the online account linked card is settled The information is linked and stored in the predetermined storage medium 3005 (3245).

According to one embodiment of the invention, the storage medium 3005 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3005 may be a ledger D / B 3000 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 3000, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 3005 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (3250), thereby completing the procedure of registering the card charging information transmitted from the terminal.

33 is a diagram illustrating a non-face-to-face information registration system for charging an online account linked card according to another embodiment of the present invention.

More specifically, FIG. 33 is an information registration system for registering card charging information for charging a predetermined amount of money in an online linked card issued through the card issuing system shown in FIG. 19. A card including at least one of the card information, the charge limit amount information and the charging fee settlement information for the online account linked card to charge the online account linked card according to the present invention to the information registration system through the information registration interface 3310 When the charging information is provided, the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the provided card charge information are linked to the predetermined registration medium in the information registration system. As a system configuration for storing, in the technical field to which the present invention belongs Those skilled in the art may refer to and / or modify this drawing 33 to infer various implementation methods for the configuration of an information registration system for charging an online account link card, but the present invention provides all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the method of registering the card charging information including at least one card information, charge limit amount information and charge fee settlement information for the online account linked card May be included in the card issuance application process on the card issuance system shown in FIG. 19, or may be included in the process of requesting a face-to-face confirmation of the face confirmation system shown in FIG. If the charging for the linked card is operated according to the policy of the financial institution (or the card issuing period) managing the online account (or the online account linked card), the information registration system shown in FIG. 33 may be omitted. It will be inferred that the present invention is not limited thereby.

Hereinafter, at least one means and / or functional configuration for storing the card charging information provided from the customer in the storage medium 3330 via a predetermined information registration interface 3310 on the information registration system shown in FIG. The component corresponding to the " information registration server 3300 "

Referring to FIG. 33 according to an embodiment of the present invention, an information registration system for charging an online account linked card according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 3335 including at least one of the information registration terminals 3335 and the information registration server 3300 provided on the information registration system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the customer connects to the information registration server 3300 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the card charging information for charging the online account linked card according to the present invention is input (or selected) through at least one or more user interfaces 3310 provided by the information registration server 3300, a predetermined network is provided by the client terminal. It is preferable to transmit to the information registration server 3300 provided on the information registration system by means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

In addition, the information registration server 3300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 3300 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC according to the type of wireless network connected to the client terminal / Mobitex-based wireless data communication network, or / and preferably includes any type of wireless communication network proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces 3310 provided by the information registration server 3300, and inputs and / or selects at least one or more information through the user interface 3310 to register the information. 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 3300, etc.) for transmitting to the server 3300 is preferably provided.

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

In the information registration system as described above, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 3300 and And / or the wireless network performs the function of the information registration interface 3310 for the customer to register the card charging information for charging the online account linked card according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 3335 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected to, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal 3335 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown) and the information registration server The financial network connecting 3300 performs a function of the information registration interface 3310 for registering the card charging information for the customer to charge the online account linked card according to the present invention, and / or the information registration terminal. When 3333 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 3300 are the customer. Performing the function of the information registration interface 3310 for registering the card charging information for charging the online account linked card according to the present invention, and / or the information registration terminal 3335 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with an existing financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the information registration server 3300 performs a function of the information registration interface 3310 for registering the card charging information for the customer to charge the online account linked card according to the present invention.

The storage medium 3330 provided on the information registration system according to the present invention includes card information and charge limit information on the online account linked card included in the card charging information provided from the information registration terminal 3335. And charge fee settlement information in a predetermined storage medium 3330, and stores card information, charge limit amount information, and charge fee information for the online account linked card stored in the storage medium 3330. Card charging information containing at least one information is used for charging the online account linked card according to the present invention.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

According to one embodiment of the invention, the storage medium 3330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 3330 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 3300 provided on the information registration system according to the present invention is a generic term for the information registration system side component connected to the information registration terminal 3335 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 3335 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 3300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 3335 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 3300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 3300 may include the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal 3335 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 3300 A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 3300 is provided with an interface 3310 (3305) for connecting and managing a predetermined communication channel with the information registration terminal 3335 through the network means. It is characterized by.

According to an embodiment of the present invention, when the information registration terminal 3335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface 3310 may be a unit ( 3305) connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or wireless network, and uses at least one or more communication protocols defined in a communication program included in the client terminal. It is desirable to provide a communication interface 3310 for transmitting and receiving information (or data).

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface 3310 may establish a communication channel with the client terminal based on the TCP / IP protocol. And a communication interface 3310 for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an Internet banking program) provided by the information registration server 3300, the interface 3310 unit 3305 is based on the TCP / IP protocol. It connects a communication channel with a terminal and provides a communication interface 3310 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 3335 is a financial automation device connected to a predetermined financial network, the interface 3310 unit 3305 is based on a protocol stack defined in the financial network. A communication interface 3310 for connecting at least one communication channel with the automated teller machine and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the teller machine. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface 3310 and 3305 are defined in the wireless network. A communication interface 3310 for connecting a predetermined communication channel with the client terminal based on the established protocol stack, and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable to provide.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface 3310 unit 3305 is based on the CDMA protocol. Communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using a WAP / ME protocol defined in the browser program. Provides 3310.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 3300, the interface 3310 unit 3305 is based on the CDMA protocol. It connects a communication channel with a client terminal and provides a communication interface 3310 for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface 3310 unit 3305 is connected to the wired telephone network. And / or connects the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and provides a communication interface 3310 for transmitting and receiving the voice call-based information (or data). It is desirable to.

For example, the interface 3310 may provide a communication interface 3310 for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the call path, and / or voice recognition based information. A communication interface 3310 for transmitting and receiving is provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface 3310 unit 3305 is connected to the TV banking system. At least one or more communication channels connected to the wired terminal (or bidirectional digital TV) based on a defined protocol stack, and using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface 3310 for transmitting and receiving information (or data).

Referring to FIG. 33, the information registration server 3300 connects a communication channel with the information registration server 3300 through a predetermined information registration terminal 3335 through the interface 3310, or 3305. When the charging information registration request is generated, a predetermined user interface 3310 is generated to input (or select) predetermined card charging information from the information registration terminal 3335 in association with the interface 3310 and 3305. (Or extract) an interface 3310 providing unit to the information registration terminal 3335 and the user interface 3310 in the information registration terminal 3335 in cooperation with the interface 3310 and 3305. An information receiving unit 3315 for receiving predetermined card charging information to be input (or selected) for transmission, and card information and charge limit amount information for the online account linked card included in the received card charging information; Before a settlement fee to the information processing linkage characterized in that formed in an information storage unit (3325) for storing in a storage medium (3330).

The interface 3310 provider provides a predetermined information registration terminal 3335 connects a communication channel with the information registration server 3300 through the interface 3310 or 3305, or requests card registration information registration. Corresponding to the functional configuration provided in the information registration terminal 3335, the user inputs (or selects) the card charging information and generates a predetermined user interface 3310 that can be transmitted to the information registration server 3300 through the network means. Or / or extract from a predetermined database (not shown), and the user interface 3310 generated (or extracted) in conjunction with the interface 3310 and 3305 via the network means. It is characterized by providing (3335).

Subsequently, the information registration terminal 3335 inputs card charging information including at least one of card information, charge limit amount information, and charge fee settlement information for the online account linked card based on the user interface 3310 ( Or) and transmits the input (or selected) card charging information to the information registration server 3300 through the financial network.

According to an exemplary embodiment of the present disclosure, when the information registration terminal 3335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface 3310 is provided. The unit generates (or extracts) a predetermined user interface 3310 that can be provided to a browser program and / or a communication program provided in the client terminal, and the generated (or extracted) through the interface 3310 unit 3305. It is preferable to provide a user interface 3310 to the client terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a financial automation device connected to a predetermined financial network, the interface 3310 provider provides the financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface 3310 as much as possible, and to provide the generated (or extracted) user interface 3310 to the automated teller machine through the interface 3310 and 3305. .

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface 3310 provider provides a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface 3310 that can be provided to a communication program, and generate the generated (or extract) user interface 3310 through the interface 3310 unit 3305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface 3310 provider provides the call terminal (not shown). Generate (or extract) a predetermined user interface 3310 that can be provided as a user interface, and generate (or extract) the user interface 3310 (eg, ARS-based user interface) through the interface 3310 unit 3305. 3310) is preferably provided to the call terminal (not shown).

According to another exemplary embodiment of the present invention, when the information registration terminal 3335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface 3310 provider provides the wired terminal (or two-way digital TV). Generate (or extract) a predetermined user interface 3310 that can be provided as a user interface, and convert the generated (or extracted) user interface 3310 through the interface 3310 or 3305 into the wired terminal (or bidirectional digital). TV).

At least one user interface 3310 for inputting (or selecting) the card charging information to the information registration terminal 3335 and transmitting the card charging information to the information registration server 3300 through the network means. When a predetermined information registration program is provided, the interface 3310 providing unit for providing the user interface 3310 to the information registration terminal 3335 may be omitted, and the present invention is not limited thereto.

The information receiving unit 3315 includes at least one card charging information, a charge limit amount information, and charging fee settlement information for an online account linked card through the user interface 3310 at the information registration terminal 3335. When inputting (or selecting) and transmitting through the network means, the interface 3310 and 3305, the card charging information is received in conjunction with the received card charging information, the validity check unit Provided at (3320).

The validity check unit 3320 is characterized in that the card charging information received from the information registration terminal 3335 checks whether the validity for the charging of the online account linked card.

According to an embodiment of the present invention, the validity check of the card charging information may be performed by checking whether at least one ledger information matching the card charging information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

For example, the validity check of the card charging information includes checking whether a card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B on the financial system. It is desirable.

When the validity of the card charging information is confirmed, the information storage unit 3325 stores the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the card charge information in association with the storage. And store the information in the storage device 3330. When the storage medium 3330 is provided in the information registration server 3300 or on the network associated with the information registration server 3300, the information storage is performed. The unit 3325 preferably processes the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the received card charge information and stores the card information in the storage medium 3330. When the storage medium 3330 is provided in the DBMS provided on the financial system, the information storage unit 3325 is connected to the online account included in the received card charging information. Information provided to step the card information and the charge information and charging fee settlement limit amount information on the card through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

34 is a view showing the configuration of the card charging information stored in the ledger D / B (3400) provided in the DBMS on the financial system in a non-face-to-face for the charging of the online account link card in accordance with an embodiment of the present invention.

More specifically, FIG. 34 illustrates the ledger information provided in the ledger D / B 3400 when the storage medium 3330 illustrated in FIG. 33 is the ledger D / B 3400 provided in the DBMS on the financial system. Shows an information structure for an implementation method of storing the card charging information including the card information, the charge limit amount information, and the charging fee settlement information for the online account linked card, and specifically, the finance shown in FIG. When the ledger D / B 3400 provided in the DBMS on the system is provided with an online account ledger in the form of a virtual account as shown in FIG. 20, and a card ledger corresponding to the online account linked card is linked with the online ledger, Information for storing the card charging information in the form of additional information in the card ledger, including card information, charge limit amount information and charge fee settlement information for the online account linked card The configuration is shown.

Those of ordinary skill in the art to which the present invention pertains can refer to this drawing 34 and / or modify it to infer various information construction methods for storing the card charging information in the ledger D / B 3400. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 34 to link the ledger D / B 3400 with an online account ledger in the form of a virtual account as shown in FIG. It is possible to infer an implementation method of linking and storing the card charging information in a card ledger associated with another online account ledger (for example, an online account ledger in the form of a prepaid card-based bank account) in addition to the old card ledger. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 3400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. 20. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger issues at least one financial account to the financial institution (or card issuing institution) and processes at least one financial transaction through the financial account (for example, individual customer, corporate customer, corporate customer, etc.). This is a ledger that stores customer information corresponding to the CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification. Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Resident Registration Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

Wherein the virtual account ledger (or online account ledger) is connected in a relational manner to the account ledger corresponding to the parent account of the virtual account among the account ledgers, wherein the virtual account ledger information includes basic account ledger information It characterized in that it comprises an information configuration that further comprises the mother account number and the mother account operating institution information.

Those of ordinary skill in the art to which the present invention pertains include an online account linked card ledger according to the virtual ledger information structure associated with the account ledger, and the virtual account ledger information structure based on the basic ledger information structure. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

The card ledger is connected in relation to the virtual account ledger (or online account ledger), wherein the card ledger information is the card information generated corresponding to the card attribute setting information included in the card issuance application information, Characterized in that it comprises a limit amount information for the online account linked card.

Those skilled in the art will be able to deduce a cardholder information configuration including card information generated according to the card type setting information of the card attribute setting information included in the card issuing application information Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 34, the card charging information provided through the information registration system shown in FIG. 33 is stored in the form of additional information added to the account ledger, and the card charging information is stored in the online account linked card. And at least one of card information, charge limit amount information, and charge fee settlement information.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

35 is a diagram illustrating the configuration of card charge information stored in a database associated with the ledger D / B 3500 provided in a DBMS on a financial system in a non-face-to-face manner for charging an online account link card according to another embodiment of the present invention. One drawing.

35 shows in detail how the storage medium 3330 illustrated in FIG. 33 is stored in a predetermined database linked to the ledger D / B 3500 of a DBMS on a financial system. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 35 to link the card charging information to the ledger D / B 3500 in a predetermined database. Although various information construction methods for processing and storing may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in the drawing 35, when it is not easy to store the card charging information in the ledger information of the ledger D / B 3500 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) It is not easy to change the / B 3500, or the system expansion is not easy due to the nature of the financial system), the card charging information is stored in a predetermined database instead of the ledger D / B 3500, The implementation method of linking and storing a database and the ledger D / B 3500 is illustrated.

In addition, the database shown in FIG. 35 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 35, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 35, the database stores and stores the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the card charge information. Preferably, the card charge information further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 3500.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

36 is a view showing the configuration of the card charging information stored in the DBMS provided in the payment server in a non-face-to-face for the charging of the online account linked card according to another embodiment of the present invention.

In more detail, FIG. 36 shows that the storage medium 3330 illustrated in FIG. 33 is provided with a predetermined payment provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, provided with at least one or more payment server by referring to and / or modified in the present drawing 36 It is possible to infer an information configuration method for the card charge information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 36, a predetermined DBMS provided in the payment server stores and stores the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card included in the card charge information. It is done.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

37 is a diagram illustrating a process of registering card charging information in a non-face-to-face manner for charging an online account linked card according to an embodiment of the present invention.

In more detail, in FIG. 37, when the information registration server 3300 on the information registration system shown in FIG. 33 has a web server function to which a client terminal can be connected through a predetermined network means, Connect to the information registration server 3300 to connect a communication channel for information registration according to the present invention, or when the card charging information registration request, through the communication channel to the information registration server 3300 to the online account linked card When the card charge information including the card information, the charge limit amount information and the charge fee settlement information for the card information for the online account linked card included in the received card charge information from the information registration server 3300 and Execution method of storing charge limit amount information and charge fee settlement information in a predetermined storage medium 3505 As regards the law, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 37 to register the card charging information from the client terminal to the information registration server 3300. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 37, the client terminal shown in FIG. 33 is referred to as "terminal" for convenience, and the information registration server 3300 shown in FIG. 33 is called "server" for convenience, and the information is referred to by the client terminal. The card information, the charge limit amount information, and the charging fee settlement information for the online account linked card transmitted to the registration server 3300 are referred to as "card charging information" for convenience.

Referring to FIG. 37, the client terminal illustrated in FIG. 33 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobility). A predetermined communication channel for registering the card charging information by accessing the server through a communication network and / or an IEEE 802.16x based portable Internet, etc., and registering the card charging information for charging the online account linked card. Request (3700), the server generates (or extracts) a web page corresponding to the predetermined information registration interface 3310 for registering the card charging information (3705), and generates (or retrieves) the communication channel through the communication channel. The extracted web page is transmitted to the terminal and output (3710).

According to an embodiment of the present invention, the information registration interface 3310 inputs card charging information including at least one of card information, charge limit amount information, and charge fee settlement information for the online account linked card at the terminal ( Or a user interface 3310).

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

Thereafter, the terminal inputs (or selects) card charging information including card information, charge limit amount information, and charge fee settlement information for at least one or more online account linked cards through the information registration interface 3310 (3715). .

If the terminal inputs (or selects) card charging information including card information, charge limit amount information, and charging fee settlement information for the online account linked card through the information registration interface 3310 (3720), The terminal transmits the card information, the charge limit amount information, and the charging fee settlement information for the input (or selected) online account linked card through the communication channel (3725).

According to an embodiment of the present invention, transmitting the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card input (or selected) through the communication channel to the server may include the information registration interface. The electronic device may further include electronically signing and / or encrypting the card charging information input (or selected) through 3310 and transmitting the same to the server.

Thereafter, the server receives and reads the card information, the charge limit amount information, and the charge fee settlement information for the online account linked card through the communication channel to check the validity of the card charge information (3730).

According to an embodiment of the present invention, confirming the validity of the card charging information, when the card charging information is electronic signature and / or encrypted through the security module provided in the terminal, decrypt the card charging information or And / or decrypting the card charging information.

According to an exemplary embodiment of the present invention, at least one or more ledger information matching the card charging information is registered in the ledger D / B 3500 on the financial system associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the card charging information is to check whether the card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B 3500 on the financial system. It is preferable to comprise.

If the validity of the card charging information is not authenticated (3735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (3740), the information corresponding to the card charging information Do not perform the registration process.

On the other hand, if the validity of the card charging information is authenticated (3735), the server performs the information registration procedure corresponding to the card charging information, the card information, the charge limit amount information and the charging fee information for the online account linked card is settled The information is linked and stored in a predetermined storage medium 3505 (3745).

According to one embodiment of the invention, the storage medium 3505 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3505 may be a ledger D / B 3500 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 3500, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 3505 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (3750), thereby completing the procedure of registering the card charging information transmitted from the terminal.

38A and 38B illustrate a process of registering card charging information in a non-face-to-face manner for charging an online account linked card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 38A and 38B illustrate a case in which the information registration system shown in FIG. 33 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After the connection to the Internet banking server and a predetermined customer authentication procedure through the Internet, and the like, the card information is linked to the Internet banking server with the predetermined card charging information for charging the online account linking card at the client terminal. When the card charge information including card information, charge limit amount information, and charge fee settlement information for a card is transmitted, the card for the online account linked card included in the received card charge information is received from the information registration server 3300. Preservation by linking information, charge limit amount information and charge fee settlement information As an embodiment of the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawings 38a and 38b, and the information registration server may be used in the client terminal. It is possible to infer various implementation methods for registering the card charging information in 3300, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 38A and 38B.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 38A and 38B, the browser program Although the implementation method for connecting the Internet banking-based financial transaction channel for registering card charging information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, this figure A card between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 38A and 38B. Charging information It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for a lock, but the present invention includes an provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 38a and 38b, a telebanking system And / or inferring a method of connecting a non-facing channel-based financial transaction channel for registering card charging information in another banking system such as a wireless banking system and / or a TV banking system, but the present invention provides the telebanking system. And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems, and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in 38b.

38A and 38B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 3300 is referred to as " server " for convenience.

38A and 38B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (3800a), the server communicates between the terminal and the server through the browser. (3805a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. This means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface 3310 included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (3810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (3815a), the server installs the latest version of the Internet banking security module into the terminal according to a remote program installation procedure defined in the browser program. Transfer to mount and / or update 3820a.

If the terminal does not need to install and / or update the latest version of the security module for internet banking (3825a), or if the terminal does not need to load and / or update the security module for internet banking (3815a), the server may By activating the security module for internet banking mounted on the terminal, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is switched to a secure channel) (3830a), where the security for the Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the information to be provided to the server for registration of card charge information by the terminal ( Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the information to be provided to the server for registration of card charge information by the terminal. (Or data) attaches a predetermined digital signature and / or at least one cancer When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (3835a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (3840a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (3845a).

* If the Internet banking customer authentication fails (3850a), the server blocks the Internet banking security channel for the terminal (3855a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (3850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (3860a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined card charging information for charging an online account linked card from the terminal to the server.

Subsequently, when the terminal requests internet banking-based card charging information registration to the server through the inter-banking-based financial transaction channel to register card charging information (3800b), the server may register the card charging information for registration. A web page corresponding to the information registration interface 3310 of the user is generated (or extracted) (3805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel and outputted ( 3810b).

According to an embodiment of the present invention, the information registration interface 3310 may input card charge information including at least one of card information, charge limit amount information, and charge fee settlement information for an online account linked card in the terminal (or And an interface 3310, and / or a predetermined password (e.g., to confirm the validity of the Internet banking customer requesting registration of the card charging information and / or the card charging information). Account password, etc.) and / or security code (e.g., the security code printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) (e.g., the internet banking application process (or internet banking application) After) one-time password generated through OTP authenticator (or OTP certification program) provided to customer by financial institution) It further comprises an interface 3310 for entering preferred.

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

Thereafter, the terminal inputs (or selects) card charging information including at least one of card information, charge limit amount information, and charge fee settlement information for the online account linked card through the information registration interface 3310 (3815b). ).

If the terminal receives (or selects) card charging information including card information, charge limit amount information, and charge fee settlement information for the online account linked card through the information registration interface 3310 (3820b), The terminal transmits the input (or selected) card charging information to the server through the financial transaction channel (3825b).

According to an embodiment of the present invention, transmitting the card charge information input (or selected) through the financial transaction channel to the server may include card charge information input (or selected) through the information registration interface 3310. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the card charging information through the financial transaction channel to check the validity of the card charging information (3830b).

According to an embodiment of the present invention, confirming the validity of the card charging information, when the card charging information is electronic signature and / or encrypted through the security module provided in the terminal, decrypt the card charging information or And / or decrypting the card charging information.

In addition, the validity check of the card charging information, it is preferable to further comprise authenticating the password and / or security code and / or OTP included in the card charging information.

According to an exemplary embodiment of the present invention, at least one or more ledger information matching the card charging information is registered in the ledger D / B 3500 on the financial system associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the card charging information is to check whether the card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B 3500 on the financial system. It is preferable to comprise.

If the validity of the card charging information is not authenticated (3835b), the server generates a web page including predetermined card charging information registration error information and transmits it to the terminal (3840b) and corresponds to the card charging information. Do not perform the information registration procedure.

On the other hand, if the validity of the card charging information is authenticated (3835b), the server performs an information registration procedure corresponding to the card charging information, the card information and the charge limit for the online account linked card included in the card charging information The amount information and the charging fee settlement information are processed in association with each other and stored in the predetermined storage medium 3505 (3845b).

According to one embodiment of the invention, the storage medium 3505 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3505 may be a ledger D / B 3500 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 3500, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 3505 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined card charge information registration history information and transmits the generated web page to the terminal (3850b), thereby completing registration of the card charge information transmitted from the terminal.

39 is a diagram illustrating a card charging system for charging an online account linked card in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIG. 39 shows a card for a payment method information, a charge amount information, payment authentication information, and an online account link card for a predetermined customer to charge the online account link card to a card charging system through a predetermined card charging interface. When the card charging request information including at least one information is provided, the card charging system includes the payment means information, the charging amount information, the payment authentication information, and the card information for the online account linked card included in the provided card charging request information. As a system configuration for providing a card charge payment for the charging of the online account linked card using, if the person of ordinary skill in the art to which the present invention pertains, with reference to and / or modified this figure 39 Various configurations of card charging system for charging account linked card Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 39.

Hereinafter, at least one means for providing a card charge payment for the charging of the online account linked card using the card charge request information provided from the customer through a predetermined card charge interface on the card charge system shown in FIG. And / or a component corresponding to the functional configuration is referred to as a "card charging server 3900" for convenience, and the card charging server 3900 in the present drawing 39 which provides the card charging service of the face-to-face method is at least one window terminal. It is preferable to include an account system on the financial system connected through a predetermined financial network, but this figure 39 shows the card charging server 3900 as a ledger server between the counter terminal and the account system for convenience of explanation. Thereby, this invention is not limited.

Referring to FIG. 39 according to an embodiment of the present invention, the card charging system for charging the online account linked card includes a charge request terminal 3950 and a window terminal provided at at least one financial institution branch. A charge amount for the online account linked card is connected to a financial network (eg, our network) connected to the charging request terminal 3950 and the charging request terminal 3950 through the financial network and through the customer payment means. It is characterized in that it comprises a banking system equipped with a card ledger for the card charging server 3900 and the online account linked card for payment processing.

A financial system equipped with a ledger corresponding to the online account (or an online account linked card) in association with the card charging server 3900 is basically at least one or more windows provided at branches (and / or branches) of the financial institution. Characterized in that the terminal is connected through a predetermined financial network (for example, the current network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 39, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one card charging service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. (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 it will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the link is processed and stored, the ledger information is linked to the online account And a predetermined ledger corresponding to the card.

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

According to the method of the present invention, the customer visits the financial institution branch for the charging of the online account link card, and through the window provided at the financial institution branch (or through a teller) of the online account linked card After filling out a predetermined application form (e.g., a slip with a form for filling in at least one information item for charging the online account link card), and submitting the completed application form to the counter staff, the counter staff Inputs (or selects) payment means information, payment amount information, payment authentication information, and card information for an online account linked card through a predetermined counter terminal, and the counter terminal inputs (or selects) At least one payment method information, recharge amount information, payment authentication information, and card information for an online account linked card Transmitting the charging request to the card information including the card to the charging server 3900 is provided on the card charge system through the financial network is preferred.

Here, the charge request terminal 3950 preferably comprises a teller terminal used by the teller staff provided in the financial institution branch, the card charging server 3900 connected to the teller terminal is on the predetermined financial system It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the card charging server 3900 includes a branch network connecting the communication channel between the teller terminal and the card charging server 3900. It is preferable to make it.

In the card charging system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the card charge server 3900, the customer connects the online account linked card. Performs the function of the card charging interface for registering the card charging request information for charging.

The card charge request information transmitted from the charge request terminal 3950 to the card charge server 3900 for charging the online account linked card includes predetermined payment means information, charge amount information, payment authentication information, and online account. Characterized in that it comprises at least one or more card information for the associated card.

The payment means information is at least one or more of a credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. And at least one payment means information including payment means information and customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in FIGS. 1 and / or 10. It is preferable that a predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account link card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another embodiment of the present invention, when the online account link card is a debit card, the charge amount is in addition to the limit amount of the online account link card corresponding to the debit card (= online account balance). As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is information for securing the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the payment payment for charging the online account linked card A password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and / Or an OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

The card charging server 3900 provided on the card charging system according to the present invention is a generic term for the card charging system side components connected to the charging request terminal 3950 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the charging request terminal 3950 is a window terminal connected to a predetermined financial network, the card charging server 3900 is connected to the window terminal through a predetermined financial network on a financial system. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the exemplary embodiment of the present invention, the card charging server 3900 includes an interface unit 3905 for connecting and managing a predetermined communication channel with the charging request terminal 3950 through the financial network. do.

According to an embodiment of the present invention, when the charging request terminal 3950 is a window terminal connected to a predetermined financial network, the interface unit 3905 may be connected to the window terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a card charging related program provided in the window terminal.

Referring to FIG. 39, the card charging server 3900 may include a predetermined charge request terminal 3950 connecting a communication channel with the card charging server 3900 through the interface unit 3905, and / or the communication. When the card charge payment request for the charging of the online account linked card through the channel, in connection with the interface unit 3905, the charge request terminal 3950 inputs (or selects) predetermined card charge request information and transmits it. And an interface providing unit 3910 that generates (or extracts) a predetermined user interface and provides the charging request terminal 3950 to the charging request terminal 3950. When a predetermined terminal-side card charging program is included, the interface provider 3910 may be omitted.

The interface providing unit 3910 has a predetermined charge request terminal 3950 connects a communication channel with the card charging server 3900 through the interface unit 3905, and / or the online account through the communication channel. When requesting a card charge payment for charging the associated card, the card charge server through the financial network by inputting (or selecting) the card charge request information corresponding to the function configuration provided in the charge request terminal 3950 ( Create a predetermined user interface that can be transmitted to the 3900, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 3905 to generate the (or extracted) user interface in the financial network Through the charging request terminal 3950 is characterized in that it is provided through.

According to an embodiment of the present invention, when the charging request terminal 3950 is a window terminal connected to a predetermined financial network, the interface provider 3910 may provide a card charging related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 3905.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the card charge request information to the charge request terminal 3950 and transmitting the card charge request information to the card charge server 3900 through the financial network is provided. When a predetermined terminal-side card charging program is provided, the interface providing unit 3910 which provides the user interface to the charging request terminal 3950 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) card charge request information including at least one of payment means information, charge amount information, payment authentication information, and card information for an online account linked card. It is preferable to include an interface function to transmit to the card charging server 3900.

Referring to FIG. 39, the card charging server 3900 may include at least one of payment means information, charge amount information, payment authentication information, and card information for an online account linked card in the charging request terminal 3950 through the user interface. When the card charge request information including the above information is input (or selected) and transmitted, at least one of the payment means information, the charge amount information, the payment authentication information, and the card information for the online account linked card in association with the interface unit 3905. In the information receiving unit 3915 for receiving the card charge request information including the above, the payment means information, the charge amount information, the payment authentication information and the card information for the online account associated card included in the received card charge request information Validity or registered through the information registration system shown in FIGS. 28 and / or 33 The online account link card through an information checking unit 3325 for confirming charging fee settlement information and the customer payment means corresponding to the payment means information included in the card charge request information whose validity is confirmed in connection with the financial system; Generating predetermined card charge result information for the payment amount payment processing for charging the online account linked card in connection with the payment amount payment unit 3930 and the payment amount payment unit 3930 to process the payment amount for the And an information transmitter 3920 for transmitting the card charge result information to the charging request terminal 3950 in association with the interface unit 3905.

The charge request terminal 3950 inputs (or selects) card charge request information including at least one of payment method information, charge amount information, payment authentication information, and card information for an online account linked card through the user interface. It is characterized in that for transmitting to the card charging server 3900 through the financial network.

The information receiving unit 3915 includes at least one card charge request information including at least one payment means information, a charge amount information, payment authentication information, and card information for an online account link card through the user interface at the charge request terminal 3950. When inputting (or selecting) and transmitting through the financial network, it is characterized in that receiving the card charge request information in conjunction with the interface unit 3905, and the received card charge request information to the information check unit ( 3925).

The payment means information is at least one or more of a credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. And at least one payment means information including payment means information and customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in FIGS. 1 and / or 10. It is preferable that a predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another embodiment of the present invention, when the online account link card is a debit card, the charge amount is in addition to the limit amount of the online account link card corresponding to the debit card (= online account balance). As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is information for securing the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the payment payment for charging the online account linked card A password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and And / or at least one OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

The information checking unit 3925 is characterized by checking whether the card charge request information received from the charge request terminal 3950 satisfies the validity for charging the online account linked card.

According to an embodiment of the present invention, the validity check of the card charge request information includes various passwords (or security information) corresponding to payment authentication information included in the card charge request information and various passwords corresponding to the customer payment means ( Or comparing the security information), and checking whether the various passwords (or security information) corresponding to the payment authentication information are matched, wherein the various passwords (or security information) corresponding to the payment authentication information are included. If it matches, it is preferable that the validity of the card charge request information is authenticated.

In addition, the validity check of the card charge request information is included in the card charge request information when predetermined charge limit amount information is stored in the card charge information through the information registration system shown in FIGS. 28 and / or 33. And checking whether the charged amount information exceeds the charge limit amount information. If the charge amount information does not exceed the charge limit amount information, the validity of the card charge request information is authenticated. desirable.

In addition, the information confirmation unit 3825 includes at least one charge payer information and / or fee settlement rate information included in the card charge information through the information registration system shown in Figure 28 and / or 33 Characterize the fee settlement information.

When the validity of the card charge request information is confirmed, the charge amount payment unit 3930 is connected to the at least one card company server (or financial company server) corresponding to the payment means information included in the card charge request information to the customer Characterized in that the payment processing for the charge amount through the payment means.

According to an exemplary embodiment of the present invention, when the customer payment means corresponding to the payment means information included in the card charge request information includes at least one credit card, check card, or prepaid card, the charged amount payment unit 3930 ) Is preferably linked to the card company server corresponding to the customer payment means for the payment processing.

According to another exemplary embodiment of the present invention, when the customer payment means corresponding to the payment means information included in the card charge request information includes at least one debit card, cash card, financial account, the charged amount payment unit 3930 ) Is preferably linked to the financial company server corresponding to the customer payment means for the payment processing.

When the payment amount payment processing for charging the online account linked card is normally approved by the payment amount payment unit 3930, the information transmission unit 3920 is connected with the payment amount payment unit 3930 to the online account. Generating a payment processing history including any one of the card charge approval information or card charge error information for the charge amount payment processing for charging the associated card, and includes the payment processing history in connection with the interface unit 3905 The card charge result information is transmitted to the charging request terminal 3950 through the financial network.

Here, the payment processing history is characterized in that it comprises the payment means information, the charge amount information and the card information for the online account linked card, and the authorization code (or error code) for payment processing of the charge amount It is characterized in that it further comprises.

The card charge result information is characterized in that it comprises a protocol structure for transmitting the generated payment processing history to the charge request terminal 3950 through the financial network, the charge request received the card charge result information The terminal 3950 outputs a predetermined card charging receipt including the payment processing history included in the predetermined card charging result information.

Referring to FIG. 39, the card charging server 3900 may transfer the charge amount to the online account linked card when the charge amount payment process included in the card charge request information is normally approved by the charge amount payment unit 3930. The card charging processing unit (3935) for depositing and charging the linked online account, and charges the fee payer to the fee payer according to the charge fee settlement information, and settles the charge fee according to the fee settlement rate A fee settlement unit 3940 is provided.

If the payment amount payment process included in the card charge request information is normally approved by the payment amount payment unit 3930, the card charge processing unit 3935 may be connected to the online account linked card among the payment amounts approved for settlement. Check the deposit amount (or the actual amount of charge) to be deposited in the linked online account, and deposit the deposit amount (or the actual amount of charge) into the online account associated with the online account linked card to charge the processing; .

According to an exemplary embodiment of the present invention, when the fee payer included in the card charging information is the online account linked card customer through the information registration system shown in FIG. 19, the card charging processing unit 3935 may perform the payment processing. It is preferable to process the limited amount of the charging fee from the settlement approved amount of charge as the deposit amount (or the actual amount of charge) and deposit the amount into the online account associated with the online account linked card.

Alternatively, when the fee payer included in the card charge information is the online account linked card customer through the information registration system shown in FIG. 19, the charge amount payment unit 3930 processes the payment for the charge amount. When the predetermined charging fee is previously charged to the payment amount, the card charging processing unit 3935 processes the charge amount as the deposit amount (or the actual charge amount) of the payment amount approved for the payment process. It is preferable to deposit and charge the online account associated with the online account link card.

Alternatively, the fee payer included in the card charging information is the online account linked card customer through the information registration system shown in FIG. 19, but the charge is charged to the amount deposited in the customer's online account in addition to the charged amount. In this case, the card charging processing unit 3937 is to process the payment amount approved for the payment process as the deposit amount (or the actual amount of the charge) to deposit the charge to the online account associated with the online account linked card. desirable.

According to another exemplary embodiment of the present invention, when the fee payer included in the card charging information is not the online account linked card customer through the information registration system shown in FIG. 19, the card charging processing unit 3937 is the payment. It is preferable to process the charge amount approved for processing into the deposit amount (or the actual charge amount) and to deposit the deposit amount into the online account associated with the online account link card.

When the deposit amount (or the actual recharge amount) is confirmed as described above, the card charging processing unit 3935 may be connected to the credit card system corresponding to the online account linked card and the financial system equipped with the online account ledger to receive the deposit amount ( Or an actual charge amount) is charged to the online account associated with the online account linked card.

According to the method of the present invention, in depositing and recharging the deposit amount (or the actual recharge amount) to the online account associated with the online account linked card, the card charging processing unit 3937 is previously deposited in the online account. Among the remaining balance and the charged amount, it is preferable to charge the charged amount so that the charged amount is used in the payment processing through the online account link card before the remaining amount deposited in the online account. 40 will be described in detail.

The fee settlement unit 3940 may be charged fee settlement information (or the fee policy of the financial institution (or card issuer)) included in the card charge information registered through the information registration system shown in FIG. (Or a fee alliance between the card issuing agency) and the web server operating institution), a charging fee for the charged amount is charged to the corresponding fee payer.

According to an embodiment of the present invention, the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution), or the fee affiliation between the financial institution (or card issuing institution) and the web server operating institution). If the fee payer included is the customer, the fee settlement unit 3940 charges the charge fee when the charge amount payment unit 3930 processes the predetermined charge amount included in the card charge request information. It is desirable to charge the amount so that payment can be processed.

Alternatively, the fee payer included in the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the fee affiliation between the financial institution (or card issuing institution) and the web server operator) If the customer, the fee settlement unit 3940 subtracts the charge fee from the charge amount settled by the charge amount payment unit 3930, so that the card charge processing unit (3935) the charge amount is limited to the online It is desirable to process the deposit to the online account associated with the account link card.

Alternatively, the fee payer included in the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the fee affiliation between the financial institution (or card issuing institution) and the web server operator) If the customer, the fee settlement unit 3940 preferably charges the charging fee from the balance of the online account in which the payment amount is deposited by the card charging processing unit 3935.

According to another exemplary embodiment of the present invention, a fee payer included in the card charging information through the information registration system shown in FIG. 19 is a merchant corresponding to the online account link card, in addition to the online account link card customer, or the In the case of including at least one financial institution (or card issuing institution), a web server operating institution, etc., the fee settlement unit 3940 is the merchant account, or the financial institution (or card issuing institution) account, web server operating institution It is desirable to charge the charging fee from the account.

When the charge fee is charged as described above, the fee settlement unit 3940 may charge the charge fee information (or the fee policy of the financial institution (or card issuer), or the financial institution (or card issuer) and the web server). According to the fee settlement rate included in the fee alliance between the institutions) some of the charging fee is settled by the financial institution (or card issuer), and the other part is settled by the web server operating institution. do.

40 is a diagram illustrating a relationship between a charge amount charged in an online account link card and an online account deposit amount according to an embodiment of the present invention.

In more detail, FIG. 40 is a card charging server 3900 on the card charging system shown in FIG. 39, by charging a predetermined amount of money to the online account link card through a predetermined customer payment means and the online account link card. In the case of depositing in the linked online account, the relationship between the balance already deposited in the online account and the recharge amount is shown. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. And / or may be modified to infer various implementation methods for the relationship between the charge amount for the online account linked card and the online account balance, but the present invention includes all implementation methods inferred above, The technical features are not limited only to the illustrated embodiment.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 40 to infer an implementation method in which the charging fee is charged in the online account balance. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 40a according to an embodiment of the present invention, in the card charging server 3900 on the card charging system shown in FIG. 39, a predetermined charge is charged to the online account linked card through a predetermined customer payment means. In the online account previously associated with the online account link card, 500,000 won is deposited, and a predetermined amount of 200,000 won is charged through a predetermined customer payment means in the card charging server 3900 on the card charging system shown in FIG. If the charge is deposited in the online account associated with the online account linked card, the total balance of the online account is 700,000 won as shown in Figure 40b, but the customer payment means of the 700,000 won The amount charged through 200,000 won and 500,000 won previously deposited in the online account is managed separately.

According to an embodiment of the present invention, after charging a predetermined amount of charge in the online account linked card through a predetermined customer payment means in the card charging server 3900 on the card charging system shown in FIG. 39, the online account It is preferable that any one of the pre-deposit amount and the recharge amount previously deposited at is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG.

According to an embodiment of the present invention, the card charging server 3900 on the card charging system shown in FIG. 39 charges the online account linked card with a predetermined charge amount through a predetermined customer payment means, and then the online account. If the pre-deposit amount previously deposited in the above is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. 19, the payment amount through the online account linked card is set to the online account advance. It is preferable to pay the deposit first.

If the amount of 200,000 won is charged to the online account link card as shown in FIG. 40 and the 500,000 won advance deposit is deposited into the online account deposited thereafter, the amount of 100,000 won is charged through the online account link card. When the payment is processed, it is preferable that the payment is made in advance from the 500,000 won previously deposited in the online account.

Alternatively, as shown in FIG. 40, the amount of 200,000 won is charged to the online account link card, and the deposit of 500,000 won is deposited into the online account deposited thereafter. When the amount is settled, it is preferable that the settled amount is settled to 500,000 won from the 500,000 won pre-deposited in the online account, and then 100,000 won is paid from the charged amount.

According to another exemplary embodiment of the present invention, the card charging server 3900 on the card charging system shown in FIG. 39 charges a predetermined amount of charge to the online account linked card through a predetermined customer payment means, and then charges the card. If the amount is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. 19, it is preferable that the payment amount through the online account linked card is first processed from the charged amount. .

If the amount of 200,000 won is charged to the online account link card as shown in FIG. 40 and the 500,000 won advance deposit is deposited into the online account deposited thereafter, the amount of 100,000 won is charged through the online account link card. When the payment is processed, it is preferable that the payment amount is first processed from the charge amount of 200,000 won.

Alternatively, as shown in FIG. 40, the amount of 200,000 won is charged to the online account link card, and the deposit of 500,000 won is deposited into the online account deposited thereafter. When the amount is settled, it is preferable that the settled amount is settled from 500,000 won to 100,000 won prepaid in the online account after 200,000 won is paid from the charged amount.

41 is a diagram illustrating a payment processing process for charging an online account linked card in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 41, the window terminal accesses the card charging server 3900 to connect the communication channel for card charging, and then the payment means information to the card charging server 3900 through the communication channel. And the card charge request information including the charge amount information, the payment authentication information, and the card information for the online account linked card, the payment means information included in the received card charge request information from the card charge server 3900. And a method for providing a card charge payment for the charging of the online account linked card using the charge amount information, the payment authentication information, and the card information for the online account linked card, which are common in the art to which the present invention pertains. Those skilled in the art may refer to and / or modify this drawing 41 to recharge the online account linked card in the face-to-face manner. Would be able to infer a variety of exemplary methods for the settlement process, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 41.

In the drawing 41, the window terminal shown in FIG. 39 is referred to as "terminal" for convenience, and the card charging server 3900 shown in FIG. 39 is referred to as "server" for convenience.

Referring to FIG. 41, the terminal illustrated in FIG. 39 connects a communication channel for charging at least one card with the server through the financial network, and payment means information and charging for charging the online account linked card. A user interface for inputting (or selecting) card charge request information including at least one or more amount information, payment authentication information, and card information about an online account linked card is output (4100).

Subsequently, a predetermined application (eg, at least one or more for charging the online account linked card) includes at least one or more payment means information, the amount of charge information, payment authentication information, and card information for the online account linked card from the customer. When a slip with a form for filling out an information item is completed and submitted, the terminal receives the information on the payment means information, the recharge amount information, the payment authentication information, and the online account link card included in the application through the user interface. Input (or select) card charge request information including at least one card information (4105), and link the payment means information, the charge amount information, the payment authentication information, and the online account through a financial network connecting the terminal and the server. Card charge request information including at least one card information about the card And it transmits it to the group server (4115).

Here, the payment means information is at least among the credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. At least one payment means information including at least one payment means information and the customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in Figure 1 and / or 10 Preferably, the predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another embodiment of the present invention, when the online account link card is a debit card, the charge amount is in addition to the limit amount of the online account link card corresponding to the debit card (= online account balance). As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is information for securing the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the payment payment for charging the online account linked card A password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and / Or an OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

Thereafter, the server receives and reads the card charging request information including at least one of the payment means information, the charging amount information, the payment authentication information, and the card information for the online account linked card through the financial network. The validity of the information is verified (4120).

According to an embodiment of the present invention, the validity check of the card charge request information includes various passwords (or security information) corresponding to payment authentication information included in the card charge request information and various passwords corresponding to the customer payment means ( Or comparing the security information), and checking whether the various passwords (or security information) corresponding to the payment authentication information are matched, wherein the various passwords (or security information) corresponding to the payment authentication information are included. If it matches, it is preferable that the validity of the card charge request information is authenticated.

In addition, the validity check of the card charge request information is included in the card charge request information when predetermined charge limit amount information is stored in the card charge information through the information registration system shown in FIGS. 28 and / or 33. And checking whether the charged amount information exceeds the charge limit amount information. If the charge amount information does not exceed the charge limit amount information, the validity of the card charge request information is authenticated. It is preferable.

If the validity of the card charge request information is not authenticated (4125), the server generates a payment processing history including predetermined card charge error information corresponding to the validity error information (4130), and establishes the financial network. The card charging result information including the payment processing history is transmitted to the terminal and output (4160).

On the other hand, if the validity of the card charge request information is authenticated (4125), the server charges included in the card charge request amount and the charge limit registered through the information registration system shown in Figure 28 and / or Figure 33 By comparing the amounts, it is checked whether the charged amount exceeds the charged limit amount (4135).

If the charge amount exceeds the charge limit amount (4140), the server generates a payment processing history including predetermined card charge error information corresponding to the charge limit amount exceeded (4130), and closes the financial network. The card charging result information including the payment processing history is transmitted to the terminal and output (4160).

According to another exemplary embodiment of the present invention, when the charge limit amount is omitted in the information registration system illustrated in FIGS. 28 and / or 33, the process of comparing the charge amount and the charge limit amount may be omitted. Thereby, this invention is not limited.

On the other hand, if the charge amount does not exceed the charge limit amount (4140), the server corresponds to the card company server corresponding to the payment means information through the customer payment means corresponding to the payment means information included in the card charge request information (or In connection with the financial institution server, a payment processing procedure for charging the charged amount to the online account link card through the customer payment means is performed (4145).

Those skilled in the art to which the present invention pertains, since they will be familiar with the payment processing procedure for the customer payment means, a detailed description thereof will be omitted for convenience.

If the charge amount payment processing corresponding to the card charge request information is not normally approved (4130), the server generates a payment process history including predetermined card charge error information (4155), and through the financial network The card charging result information including the payment processing details is transmitted to the terminal and output (4160).

On the other hand, if the charge amount payment processing corresponding to the card charge request information is normally approved (4150), the server generates a payment processing history including the predetermined card charge approval information (4155), and through the financial network The card charging result information including the payment processing details is transmitted to the terminal and output (4160).

42 is a diagram illustrating a process of settlement of a charge amount charged to an online account link card through a face-to-face method according to one embodiment of the present invention.

More specifically, FIG. 42 illustrates a process of charging and settlement a predetermined charging fee corresponding to the card charging in charging a predetermined amount of money to the online account linked card through the process shown in FIG. 41. As those skilled in the art to which the present invention pertains, various embodiments of the present invention can be deduced by referring to and / or modifying the drawing of FIG. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the technical features are not limited only to the implementation method shown in FIG.

For example, the settlement process for the charge amount shown in FIG. 42 is performed before the card charging process shown in FIG. 41, or is performed in conjunction with the card charging process during the card charging process, or the card charging process. All may be performed later, and the present invention is not limited thereby.

In the drawing 42, the card charging server 3900 shown in the drawing 39 is referred to as " server " for convenience.

Referring to FIG. 42, the server charges a predetermined charging fee for the amount charged to the online account linked card before the card charging process shown in FIG. 41, during the card charging process, or after the card charging process. Check (4200).

According to an embodiment of the present invention, the charge fee amount is preferably determined according to the size of the amount charged to the online account linked card.

If a predetermined charge fee amount for the charge amount is confirmed (4205), the server checks the fee payer for the confirmed charge fee amount in association with the storage medium (3945) (4210).

According to an embodiment of the present invention, the fee payer is a customer corresponding to the customer payment means included in the card charging process shown in FIG. 41, or a customer who has issued the online account link card, or the online account link. It comprises a customer corresponding to the account holder of the online account associated with the card, or at least one or more of the merchants corresponding to the online account linked card, the financial institution (or card issuer), or the web server operating institution. desirable.

If the fee payer for the charge fee is confirmed (4215), the server charges the charge fee to the identified fee payer in association with the financial system (4220).

According to an embodiment of the present invention, if the confirmed fee payer is a customer corresponding to the customer payment means, the server processes the predetermined charge amount included in the card charge request information. It is desirable to impose the charge on the payment so that payment can be processed.

Or, if the confirmed fee payer is a customer corresponding to the customer payment means (or the online account linked card issuing customer, or an online account depositor associated with the online account linked card), the server charged the amount of payment processed By deducting the charging fee from the card charge processing unit 3937, it is preferable that the charging fee is processed to deposit a limited amount of money into the online account associated with the online account linked card.

Alternatively, if the confirmed fee payer is the online account linked card issuing customer (or an online account holder associated with the online account linked card), the server is online on which the charged amount is deposited by the card charging processing unit 3935. It is desirable to charge the charging fee from the balance of the account.

According to another embodiment of the present invention, the fee payer includes at least one or more affiliated stores corresponding to the online account linked card, the financial institution (or the card issuer), a web server operating institution, etc., in addition to the customer. Preferably, the server charges the charging fee from the merchant account, the financial institution (or card issuer) account, or the web server operator account.

If it is confirmed that the charging fee is normally charged (4225), the server checks the fee settlement rate for the charging fee in association with the storage medium (3945) (4230).

According to an embodiment of the present invention, the fee settlement rate preferably includes a rate settled by the financial institution (or a card issuing agency) of the charging fee and a rate settled by the web server operator.

If the fee settlement rate for the charge fee is confirmed (4235), the server connects the charge fee with the financial institution (or card issuing agency) account and the web server operator in association with the financial system. The account is settled (4240).

43 is a diagram illustrating a card charging system for charging an online account linked card in a non-face to face manner according to another embodiment of the present invention.

In more detail, FIG. 43 shows a card for a payment means information, a charge amount information, payment authentication information, and an online account link card for a predetermined customer to charge the online account link card to a card charging system through a predetermined card charging interface. When the card charging request information including at least one information is provided, the card charging system includes the payment means information, the charging amount information, the payment authentication information, and the card information for the online account linked card included in the provided card charging request information. As a system configuration for providing a card charge payment for the charging of the online account linked card using, if the person of ordinary skill in the art to which the present invention pertains, with reference to this drawing 43 and / or modified online Various configurations of card charging system for charging account linked card Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 43.

Hereinafter, at least one means for providing a card charge payment for the charge of the online account linked card using the card charge request information provided from the customer through a predetermined card charge interface on the card charge system shown in FIG. And / or a component corresponding to a functional configuration is referred to as a "card charging server 4300" for convenience, and the card charging server 4300 in FIG. 43 providing the non-face-to-face card charging service is an Internet banking server, It is preferable to include all types of non-face-to-face banking servers including at least one of a wireless banking server, a home banking server, and the like.

Referring to FIG. 43 according to an embodiment of the present invention, a card charging system for charging the online account linked card includes at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. The charging request terminal 4350 and the network means corresponding to the wired communication network and / or wireless communication network connected to the charging request terminal 4350 is connected to the charging request terminal 4350 through the network means It comprises a financial system equipped with a card charging server (4300) for processing the payment amount for the online account linked card through the customer payment means and the card ledger for the online account linked card.

A financial system equipped with a ledger corresponding to the online account (or an online account linked card) in connection with the card charging server 4300 is basically at least one window provided in a branch (and / or a branch) of the financial institution. Characterized in that the terminal is connected through a predetermined financial network (for example, the current network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

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

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

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 43, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one card charging service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system providing various card charging interfaces through at least one common network (eg, CD common network, financial common network), and the financial system may be provided between components in the financial system. An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one or more financial transaction customers, to provide at least one card charging service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the link is processed and stored, the ledger information is linked to the online account And a predetermined ledger corresponding to the card.

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

According to an embodiment of the present invention, the customer connects to the card charging server 4300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the card charging request information for charging the online account linked card is input (or selected) through at least one user interface provided by the card charging server 4300, the client terminal receives the card through predetermined network means. It is preferable to transmit to the card charging server 4300 provided on the charging system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

The card charging server 4300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the card charging server 4300 may be based on the CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the card charging server 4300, and inputs and / or selects at least one or more information through the user interface to the card charging server 4300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card charging server 4300, etc.) is provided.

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

In the card charging system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the card charging server 4300 and And / or the wireless communication network performs a function of a card charging interface for the customer to register the card charging request information for charging the online account linked card.

According to another exemplary embodiment of the present invention, the charging request terminal 4350 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the card charging system as described above, when the charging request terminal 4350 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the card charging server The financial network connecting 4300 performs a function of a card charging interface for the customer to register card charging request information for charging the online account linked card, and / or the charging request terminal 4350 is configured to perform the function. In the case of a call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card charging server 4300 may be connected to the online account by the customer. Performs a function of a card charging interface for registering card charge request information for charging a card, and / or affiliated with the financial institution that is the charge request terminal 4350. In the case of a terminal (and / or server) (not shown) provided in an established institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card charging server ( The network connecting 4300 performs a function of a card charging interface for the customer to register card charge request information for charging the online account linked card.

The card charging server 4300 provided on the card charging system according to the present invention is a generic term for the card charging system side components connected to the charging request terminal 4350 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the charging request terminal 4350 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the card charging server 4300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or external to the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the charging request terminal 4350 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the card charging server 4300 is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the card charging server 4300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the charging request terminal 4350 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the card charging server 4300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The card charge request information transmitted from the charge request terminal 4350 to the card charge server 4300 for charging the online account linked card includes predetermined payment information, charge amount information, payment authentication information, and online. Characterized in that it comprises at least one or more card information for the account linked card.

The payment means information is at least one or more of a credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. And at least one payment means information including payment means information and customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in FIGS. 1 and / or 10. It is preferable that a predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another embodiment of the present invention, when the online account link card is a debit card, the charge amount is in addition to the limit amount of the online account link card corresponding to the debit card (= online account balance). As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the payment amount for charging the online account linked card. As the information, a password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and And / or at least one OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

According to the exemplary embodiment of the present invention, the card charging server 4300 is provided with an interface unit 4305 for connecting and managing a predetermined communication channel with the charging request terminal 4350 through the network means. do.

According to an embodiment of the present invention, when the charging request terminal 4350 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 4305 may be used. At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 4305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an Internet card charging program) provided by the card charging server 4300, the interface unit 4305 may be connected with the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a financial automatic device connected to a predetermined financial network, the interface unit 4305 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with an automated device and using a communication protocol defined in a card charging related program included in the automated teller machine. .

According to another embodiment of the present invention, when the charging request terminal 4350 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 4305 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 4305 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (for example, an IC chip-based card charging program) provided by the card charging server 4300, the interface unit 4305 is based on the CDMA protocol. And a communication channel and provide 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 charging request terminal 4350 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 4305 may be connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 4305 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 4305 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 43, the card charging server 4300 has a predetermined charge request terminal 4350 connecting a communication channel with the card charging server 4300 through the interface unit 4305, and / or the communication. When requesting a card charge payment for charging the online account linked card through a channel, the charge request terminal 4350 transmits by inputting (or selecting) predetermined card charge request information in connection with the interface unit 4305. And an interface providing unit 4310 which generates (or extracts) a predetermined user interface and provides the charging request terminal 4350 to the charging request terminal 4350. The user interface is connected to the charging request terminal 4350. When a predetermined terminal-side card charging program is included, the interface provider 4310 may be omitted.

The interface providing unit 4310 is provided in the charging request terminal 4350 after a predetermined charging request terminal 4350 connects the communication channel with the card charging server 4300 through the interface unit 4305. Corresponding to the functional configuration, the card charging request information is input (or selected) to generate a predetermined user interface capable of transmitting to the card charging server 4300 via the network means, and / or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the charging request terminal 4350 through the network means in association with the interface unit 4305.

According to an embodiment of the present invention, when the charging request terminal 4350 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface provider 4310 is provided. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 4305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a financial automatic device connected to a predetermined financial network, the interface providing unit 4310 may be a card charging related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 4305.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface provider 4310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 4305.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 4310 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 4305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the charging request terminal 4350 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface provider 4310 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 4305. .

According to another embodiment of the present invention at least one user interface for inputting (or selecting) the card charge request information to the charge request terminal 4350 to the card charge server 4300 through the network means; When the predetermined terminal-side card charging program is provided, the interface providing unit 4310 which provides the user interface to the charging request terminal 4350 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) card charge request information including at least one of payment means information, charge amount information, payment authentication information, and card information for an online account linked card. It is preferable to include an interface function to transmit to the card charging server 4300.

Referring to FIG. 43, the card charging server 4300 may include at least one of payment means information, charge amount information, payment authentication information, and card information for an online account linked card in the charging request terminal 4350 through the user interface. When the card charging request information including the above information is input (or selected) and transmitted, at least one of the payment means information, the charge amount information, the payment authentication information, and the card information for the online account linked card in conjunction with the interface unit 4305. The information receiving unit 4315 for receiving the card charge request information including the above and the on-line through the customer payment means corresponding to the payment means information included in the card charge request information validated in association with the financial system Charge amount payment unit 4330 and payment of the amount charged for the account linked card payment Generates predetermined card charge result information for the payment amount payment processing for charging the online account linked card in association with the unit 4330, and the charge request for the card charge result information in association with the interface unit 4305 An information transmitter 4320 is transmitted to the terminal 4350.

The charge request terminal 4350 inputs (or selects) card charge request information including at least one of the payment means information, the charge amount information, the payment authentication information, and the card information for the online account linked card through the user interface. It is characterized in that for transmitting to the card charging server 4300 through the network means.

The information receiving unit 4315 includes at least one card charging request information including at least one payment means information, a charge amount information, payment authentication information, and card information for an online account link card through the user interface at the charge request terminal 4350. When inputting (or selecting) and transmitting through the network means, it is characterized in that receiving the card charge request information in conjunction with the interface unit 4305, and the received card charge request information to the information check unit ( 4325).

The payment means information is at least one or more of a credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. And at least one payment means information including payment means information and customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in FIGS. 1 and / or 10. It is preferable that a predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another embodiment of the present invention, when the online account link card is a debit card, the charge amount is in addition to the limit amount of the online account link card corresponding to the debit card (= online account balance). As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is information for securing the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the payment payment for charging the online account linked card A password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and / Or an at least one OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

The information checking unit 4325 is characterized in that whether the card charge request information received from the charge request terminal 4350 satisfies the validity for the charging of the online account linked card.

According to an embodiment of the present invention, the validity check of the card charge request information includes various passwords (or security information) corresponding to payment authentication information included in the card charge request information and various passwords corresponding to the customer payment means ( Or comparing the security information), and checking whether the various passwords (or security information) corresponding to the payment authentication information are matched, wherein the various passwords (or security information) corresponding to the payment authentication information are included. If it matches, it is preferable that the validity of the card charge request information is authenticated.

In addition, the validity check of the card charge request information is included in the card charge request information when predetermined charge limit amount information is stored in the card charge information through the information registration system shown in FIGS. 28 and / or 33. And checking whether the charged amount information exceeds the charge limit amount information. If the charge amount information does not exceed the charge limit amount information, the validity of the card charge request information is authenticated. desirable.

In addition, the information check unit 4325 includes at least one charge payer information and / or fee settlement rate information included in the card charge information through the information registration system shown in Figure 28 and / or 33 Characterize the fee settlement information.

When the validity of the card charge request information is confirmed, the charge amount payment unit 4330 is connected to the at least one card company server (or financial company server) corresponding to the payment means information included in the card charge request information to the customer Characterized in that the payment processing for the charge amount through the payment means.

When the customer payment means corresponding to the payment means information included in the card charge request information according to an embodiment of the present invention includes at least one credit card, check card, prepaid card, the charge amount payment unit 4330 It is preferable to process the payment amount in connection with the card company server corresponding to the customer payment means.

* If the customer payment means corresponding to the payment means information included in the card charge request information according to another embodiment of the present invention includes at least one debit card, cash card, financial account, the charge amount payment unit ( 4330 is preferably linked to the financial institution server corresponding to the customer payment means to process the payment amount.

When the payment amount payment processing for charging the online account linked card is normally approved by the payment amount payment unit 4330, the information transmission unit 4320 is connected to the payment amount payment unit 4330 in the online account. Generating a payment processing history including any one of the card charge approval information or card charge error information for the charge amount payment processing for charging the associated card, and includes the payment processing history in connection with the interface unit 4305 The card charge result information is transmitted to the charging request terminal 4350 through the network means.

Here, the payment processing history is characterized in that it comprises the payment means information, the charge amount information and the card information for the online account linked card, and the authorization code (or error code) for payment processing of the charge amount It is characterized in that it further comprises.

The card charge result information is characterized in that it comprises a protocol structure for transmitting the generated payment processing history to the charging request terminal 4350 through the network means, the card charge result information is the card charge request information It is preferable that the information is encrypted similarly to the information, or the electronic signature of the financial institution is attached and transmitted to the charging request terminal 4350.

Referring to FIG. 43, when the charge amount payment process included in the card charge request information is normally approved by the charge amount payment unit 4330, the card charge server 4300 exchanges the charge amount with the online account linked card. The card charging processing unit 4335 for depositing and charging the linked online account, and charges the fee payer to the fee payer according to the charge fee settlement information, and settles the charge fee according to the fee settlement rate A fee settlement unit 4340 is provided.

When the payment amount payment process included in the card charge request information is normally approved by the payment amount payment unit 4330, the card charge processing unit 4335 may be connected to the online account linked card among the payment amounts approved for settlement. Check the deposit amount (or the actual amount of charge) to be deposited in the linked online account, and deposit the deposit amount (or the actual amount of charge) into the online account associated with the online account linked card to charge the processing; .

According to an embodiment of the present invention, when the fee payer included in the card charging information is the online account linked card customer through the information registration system shown in FIG. 19, the card charging processing unit 4335 may perform the payment processing. It is preferable to process the limited amount of the charging fee from the settlement approved amount of charge as the deposit amount (or the actual amount of charge) and deposit the amount into the online account associated with the online account linked card.

Alternatively, when the fee payer included in the card charge information is the online account linked card customer through the information registration system shown in FIG. 19, the charge amount payment unit 4330 processes the payment for the charge amount. When the predetermined charging fee is previously charged to the payment amount, the card charging processing unit 4335 processes the charge amount as the deposit amount (or the actual charge amount) of the payment amount approved for the payment process. It is preferable to deposit and charge the online account associated with the online account link card.

Alternatively, the fee payer included in the card charging information is the online account linked card customer through the information registration system shown in FIG. 19, but the charge is charged to the amount deposited in the customer's online account in addition to the charged amount. In this case, the card charging processing unit 4335 is to process the payment amount approved for the payment process as the deposit amount (or the actual amount of the charge) to deposit and charge the online account associated with the online account linked card. desirable.

According to another embodiment of the present invention, when the fee payer included in the card charging information is not the online account linked card customer through the information registration system shown in FIG. 19, the card charging processing unit 4335 is the payment. It is preferable to process the charge amount approved for processing into the deposit amount (or the actual charge amount) and to deposit the deposit amount into the online account associated with the online account link card.

When the deposit amount (or the actual recharge amount) is confirmed as described above, the card charging processing unit 4335 is connected to the credit card system corresponding to the online account linked card and the financial account equipped with the online account ledger, the deposit amount ( Or an actual charge amount) is charged to the online account associated with the online account linked card.

According to the method of the present invention, in depositing and recharging the deposit amount (or the actual recharge amount) to the online account associated with the online account linked card, the card charging processing unit 4335 is previously deposited in the online account. Among the remaining balance and the charged amount, it is preferable to charge the charged amount so that the charged amount is used in the payment processing through the online account link card before the remaining amount deposited in the online account. 44 will be described in detail.

The fee settlement unit 4340 may include charge fee settlement information (or fee policy of the financial institution (or card issuer)) included in the card charge information registered through the information registration system illustrated in FIG. 19, or the financial institution. (Or a fee alliance between the card issuing agency) and the web server operating institution), a charging fee for the charged amount is charged to the corresponding fee payer.

According to an embodiment of the present invention, the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution), or the fee affiliation between the financial institution (or card issuing institution) and the web server operating institution). If the fee payer included is the customer, the fee settlement unit 4340 charges the charge fee when the charge amount payment unit 4330 processes the predetermined charge amount included in the card charge request information. It is desirable to charge the amount so that payment can be processed.

Alternatively, the fee payer included in the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the fee affiliation between the financial institution (or card issuing institution) and the web server operator) If the customer, the fee settlement unit 4340 subtracts the charge fee from the charge amount paid by the charge amount payment unit 4330, so that the card charge processing unit 4335 is the amount of the charge fee is limited to the online It is desirable to process the deposit to the online account associated with the account link card.

Alternatively, the fee payer included in the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the fee affiliation between the financial institution (or card issuing institution) and the web server operator) If the customer, the fee settlement unit 4340 preferably charges the charging fee from the balance of the online account in which the charge amount is deposited by the card charging processing unit 4335.

According to another exemplary embodiment of the present invention, a fee payer included in the card charging information through the information registration system shown in FIG. 19 is a merchant corresponding to the online account link card, in addition to the online account link card customer, or the In the case of including at least one financial institution (or card issuing institution), web server operating institution, etc., the fee settlement unit 4340 is the merchant account, or the financial institution (or card issuing institution) account, web server operating institution It is desirable to charge the charging fee from the account.

When the charging fee is charged as described above, the fee settlement unit 4340 may charge the charging fee settlement information (or the fee policy of the financial institution (or card issuing institution), or the financial institution (or card issuing institution) and the web server. According to the fee settlement rate included in the fee alliance between the institutions) some of the charging fee is settled by the financial institution (or card issuer), and the other part is settled by the web server operating institution. do.

44 is a diagram showing the relationship between the charge amount charged to the online account link card and the online account deposit amount according to another embodiment of the present invention.

In more detail, FIG. 44 is a card charging server 4300 on the card charging system shown in FIG. 43, by charging a predetermined amount of money in the online account link card through a predetermined customer payment means and the online account link card. In the case of depositing in the linked online account, the relationship between the balance already deposited in the online account and the recharge amount is shown. If a person having ordinary knowledge in the technical field to which the present invention belongs, see FIG. 44. And / or may be modified to infer various implementation methods for the relationship between the charge amount for the online account linked card and the online account balance, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the illustrated embodiment.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 44 to infer an implementation method in which the charging fee is charged from the online account balance. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 44A according to an embodiment of the present invention, in the card charging server 4300 of the card charging system shown in FIG. 43, a predetermined charge is charged to the online account linked card through a predetermined customer payment means. In the online account previously associated with the online account link card, 500,000 won is deposited, and a predetermined amount of 200,000 won is charged through a predetermined customer payment means in the card charging server 4300 on the card charging system shown in FIG. If the charge amount is deposited in the online account associated with the online account linked card, the total balance of the online account is 700,000 won as shown in Figure 44b, but the customer payment means of the 700,000 won The amount charged through 200,000 won and 500,000 won previously deposited in the online account is managed separately.

According to an embodiment of the present invention, after the predetermined charge amount is charged to the online account linked card through a predetermined customer payment means in the card charging server 4300 on the card charging system shown in FIG. 43, the online account It is preferable that any one of the pre-deposit amount and the recharge amount previously deposited at is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG.

According to an embodiment of the present invention, after charging a predetermined amount of charge in the online account linked card through a predetermined customer payment means in the card charging server 4300 on the card charging system shown in FIG. 43, the online account If the pre-deposit amount previously deposited in the above is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. 19, the payment amount through the online account linked card is set to the online account advance. It is preferable to pay the deposit first.

If the amount of 200,000 won is charged to the online account link card as shown in FIG. 44 and the deposit of 500,000 won is deposited into the online account deposited thereafter, the amount of 100,000 won is charged through the online account link card. When the payment is processed, it is preferable that the payment is made in advance from the 500,000 won previously deposited in the online account.

Alternatively, as shown in FIG. 44, the amount of 200,000 won is charged to the online account linked card, and the deposit of 500,000 won is deposited into the online account deposited thereafter. When the amount is settled, it is preferable that the settled amount is settled to 500,000 won from the 500,000 won pre-deposited in the online account, and then 100,000 won is paid from the charged amount.

According to another embodiment of the present invention, after charging a predetermined amount of charge in the online account linked card through a predetermined customer payment means in the card charging server 4300 on the card charging system shown in FIG. If the amount is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. 19, it is preferable that the payment amount through the online account linked card is first processed from the charged amount. .

If the amount of 200,000 won is charged to the online account link card as shown in FIG. 44 and the deposit of 500,000 won is deposited into the online account deposited thereafter, the amount of 100,000 won is charged through the online account link card. When the payment is processed, it is preferable that the payment amount is first processed from the charge amount of 200,000 won.

Alternatively, as shown in FIG. 44, the amount of 200,000 won is charged to the online account linked card, and the deposit of 500,000 won is deposited into the online account deposited thereafter. When the amount is settled, it is preferable that the settled amount is settled from 500,000 won to 100,000 won prepaid in the online account after 200,000 won is paid from the charged amount.

45 is a diagram illustrating a payment processing process for charging an online account link card in a non-face-to-face manner for charging an online account link card according to an embodiment of the present invention.

More specifically, FIG. 45 shows the case where the card charging server 4300 on the card charging system shown in FIG. 43 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the card charging server 4300 and connecting the communication channel for card charging, through the communication channel to the card charging server 4300, the payment means information, payment amount information, payment authentication information and online When the card charge request information including the card information for the account linked card is transmitted, the card charge server 4300, the payment means information included in the received card charge request information, charge amount information, payment authentication information and online Provide card recharge payment for charging the online account link card using the card information for the account link card As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 45 and refer to a payment processing process for charging an online account linked card in the non-face-to-face manner. Various implementation methods 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.

In FIG. 45, the client terminal shown in FIG. 43 is referred to as " terminal " for convenience, and the card charging server 4300 shown in FIG. 43 is referred to as " server "

Referring to FIG. 45, the terminal shown in FIG. 43 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network, and / or the IEEE 802.16x-based portable Internet, etc.) when accessing the server to request the card charge payment for charging the online account linked card (4500), the server correspondingly And a user interface for inputting (or selecting) card charge request information including at least one of payment means information, charge amount information, payment authentication information, and card information for the online account linked card for charging the online account linked card. A web page is generated (or extracted) and transmitted to the terminal through the communication channel and output (4505).

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page to the terminal is performed at least once according to the procedure of providing the user interface and transmitting / receiving card charge request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) card charge request information including at least one of the payment means information, the recharge amount information, the payment authentication information, and the card information for the online account linked card through the user interface (4510). .

If the terminal receives (or selects) card charge request information including the payment means information, the amount of charge information, payment authentication information, and card information for the online account linked card through the user interface (4515), the terminal The terminal transmits the input (or selected) payment means information, payment amount information, payment authentication information, and card information for the online account link card to the server through the communication channel (4520), and the terminal transmits the communication channel. Sending the input (or selected) payment means information, payment amount information, payment authentication information and card information for the online account linked card to the server via the user interface, the card charge request (or selected) Sending information to the server by digitally signing and / or encrypting information through a security module (not shown) provided in the terminal. It is preferable that it further comprises.

Here, the payment means information is at least among the credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. At least one payment means information including at least one payment means information and the customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in Figure 1 and / or 10 Preferably, the predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another exemplary embodiment of the present invention, when the online account link card is a debit card, the recharge amount is in addition to the original limit amount (= online account balance) of the online account link card corresponding to the debit card. As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is information for securing the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the payment payment for charging the online account linked card A password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and / Or an OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

Thereafter, the server receives and reads the card charging request information including at least one of the payment means information, the charge amount information, the payment authentication information, and the card information for the online account linked card through the communication channel. Checking the validity of the information (4525), and checking the validity of the card charge request information, the card charge request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal In this case, the card charge request information is decrypted, and / or the card charge request information is preferably further included.

According to an embodiment of the present invention, the validity check of the card charge request information includes various passwords (or security information) corresponding to payment authentication information included in the card charge request information and various passwords corresponding to the customer payment means ( Or comparing the security information), and checking whether the various passwords (or security information) corresponding to the payment authentication information are matched, wherein the various passwords (or security information) corresponding to the payment authentication information are included. If it matches, it is preferable that the validity of the card charge request information is authenticated.

In addition, the validity check of the card charge request information is included in the card charge request information when predetermined charge limit amount information is stored in the card charge information through the information registration system shown in FIGS. 28 and / or 33. And checking whether the charged amount information exceeds the charge limit amount information. If the charge amount information does not exceed the charge limit amount information, the validity of the card charge request information is authenticated. desirable.

If the validity of the card charge request information is not authenticated (4530), the server generates a payment processing history including predetermined card charge error information corresponding to the validity error information (4535), and the financial network The card charging result information including the payment processing history is transmitted to the terminal and output (4565).

On the other hand, if the validity of the card charge request information is authenticated (4530), the server charges included in the card charge request amount and the charge limit registered through the information registration system shown in Figure 28 and / or Figure 33 By comparing the amounts, it is checked whether the charged amount exceeds the charged limit amount (4540).

If the charge amount exceeds the charge limit amount (4545), the server generates a payment processing history including the predetermined card charge error information corresponding to the charge limit amount exceeded (4535), and the financial network The card charging result information including the payment processing history is transmitted to the terminal and output (4565).

According to another exemplary embodiment of the present invention, when the charge limit amount is omitted in the information registration system illustrated in FIGS. 28 and / or 33, the process of comparing the charge amount and the charge limit amount may be omitted. Thereby, this invention is not limited.

On the other hand, if the charge amount does not exceed the charge limit amount (4545), the server through the customer payment means corresponding to the payment means information included in the card charge request information card company server corresponding to the payment means information (or In connection with the financial institution server, a payment processing procedure for charging the charge amount to the online account linked card through the customer payment means is performed (4550).

Those skilled in the art to which the present invention pertains, since they will be familiar with the payment processing procedure for the customer payment means, a detailed description thereof will be omitted for convenience.

If the charge amount payment processing corresponding to the card charge request information is not normally approved (4535), the server generates a payment processing history including predetermined card charge error information (4560), and through the financial network The card charging result information including the payment processing details is transmitted to the terminal and output (4565).

On the other hand, if the charge amount payment processing corresponding to the card charge request information is normally approved (4555), the server generates a payment processing history including predetermined card charge approval information (4560), and the payment through the financial network The card charging result information including the processing details is transmitted to the terminal and output (4565).

46A and 46B illustrate a payment processing process for charging an online account link card in a non-face-to-face manner for charging an online account link card according to another embodiment of the present invention.

In more detail, FIGS. 46A and 46B illustrate that when the card charging system illustrated in FIG. 43 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal sends the card charging request information for charging the online account linked card to the Internet banking server. When the card charge request information including information, charge amount information, payment authentication information, and card information for the online account linked card is transmitted, the card charging server 4300 includes a payment means included in the received card charge request information. Information, payment amount information, payment verification information and card information for online account link card As a method for providing a credit card payment payment for the charging of the online account linked card, those of ordinary skill in the art to which the present invention pertains, by referring to and / or modified by the present drawings 46a and 46b In addition to the Internet banking may be inferred in various non-face-to-face different implementation methods for the payment processing process for the charging of the online account linked card, the present invention includes all the implementation methods inferred, as shown in Figure 45 It is not limited to the implemented method.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 46A and 46B. Based on the embodiment of the method for connecting the Internet banking-based financial transaction channel for registering the card charge request information between the client terminal and the Internet banking server, if the person of ordinary skill in the art to which the present invention belongs Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 46a and 46b, and the client terminal and the internet banking server based on a predetermined internet card charging program mounted on the client terminal. Card Although it would be possible to infer an implementation method of linking an Internet banking-based financial transaction channel for registration of all request information, the present invention includes the provided Internet banking-based financial transaction based on the Internet card charging program, whereby The invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 46A and 46B, and in addition to the Internet banking system, a telebanking system And / or financing corresponding to each non-face-to-face channel for financial transaction processing for charging the online account linked card in all other non-face-to-face banking systems including at least one or more of a wireless banking system and / or a TV banking system. While it would be possible to infer an implementation method of connecting trading channels, the present invention may be of any kind including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the future proposed non-face-to-face banking system. Including non-facing channel-based financial transactions, the technical configuration of the present invention is shown in FIGS. 46A and 46B. It is by no means limited to published Internet banking.

In the following Figures 46a and 46b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the card charging server 4300 is referred to as "server" for convenience.

46A and 46B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (4600a), the server communicates between the terminal and the server through the browser. (4605a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, and the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (4610a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined Internet card charging program, the server requests the version information and / or the last update date information, etc. to the Internet card charging program, the Internet card charging program (And / or the security module associated with the Internet card charging program) can be checked for renewal.

If a predetermined security module is to be mounted and / or updated in the terminal (4615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (4620a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (4625a), or if the terminal does not need to load and / or update the security module for internet banking (4615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (4630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registration of card charge request information by the terminal. (Or data) attaches a predetermined digital signature, and / or encrypts and transmits at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet card charging program, the Internet banking-based secure channel is information to be provided from the server to the terminal according to a communication protocol defined in the internet card charging program. (Or data) by attaching a predetermined digital signature and / or by providing it by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and And / or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of card charge request information. Attach certain electronic signatures to information (or data) to be provided and / or at least When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (4635a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (4640a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face channel-based financial transactions based on the customer authentication data received from the terminal (4645a).

If the Internet banking customer authentication fails (4650a), the server blocks the Internet banking security channel for the terminal (4655a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (4650a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (4660a), where the Internet banking-based The financial transaction channel refers to the server that transmits card charge request information including at least one of the payment means information, the recharge amount information, the payment authentication information, and the card information for the online account linked card from the terminal to the server. It refers to a communication channel capable of processing the internet banking-based financial transactions.

Thereafter, the terminal requests an internet banking-based financial transaction for charging the online account linked card to the server through the financial transaction channel (4600b), and correspondingly, the server requests for charging the online account linked card. Generating (or extracting) a web page including a user interface for inputting (or selecting) card charge request information including at least one of payment method information, payment amount information, payment authentication information, and card information for an online account linked card; In step 4605b, the terminal transmits the data to the terminal through the financial transaction channel.

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page to the terminal is performed at least once according to the procedure of providing the user interface and transmitting / receiving card charge request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) card charge request information including at least one of the payment means information, the recharge amount information, the payment authentication information, and the card information for the online account linked card through the user interface (4610b). .

If the terminal receives (or selects) card charge request information including the payment means information, the recharge amount information, the payment authentication information, and the card information for the online account link card through the user interface (4615b), the terminal The terminal transmits (4620b) the payment means information, the payment amount information, the payment authentication information, and the card information for the online account linked card through the financial transaction channel to the server (4620b). The transmission (or selection) of the payment means information, the recharge amount information, the payment authentication information, and the card information for the online account link card through the channel may include: a card input (or selection) through the user interface. The server by digitally signing and / or encrypting the charge request information through a security module (not shown) provided in the terminal. It is preferable that the transmission further comprises.

Here, the payment means information is at least among the credit card, check card, debit card, cash card and prepaid card previously issued to the customer in addition to the online account linked card issued to the customer through the card issuing system shown in FIG. At least one payment means information including at least one payment means information and the customer account information previously opened to the customer in addition to the online account registered through the online account registration system shown in Figure 1 and / or 10 Preferably, the predetermined amount is charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount charged to the online account link card through the customer payment means for charging the online account link card, the charge amount is the amount of charge limit shown in Figure 28 and / or 33 It is preferable not to exceed it.

According to an embodiment of the present invention, when the online account link card is a credit card, the charge amount is added to the limit amount in addition to the original limit amount (= credit limit amount) of the online account link card corresponding to the credit card. As an amount of money, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the credit card.

According to another embodiment of the present invention, when the online account link card is a check card, the charge amount is added to the limit amount in addition to the original limit amount (= online account balance) of the online account link card corresponding to the check card. As a result, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the check card.

According to another embodiment of the present invention, when the online account link card is a debit card, the charge amount is in addition to the original limit amount (= online account balance) of the online account link card corresponding to the debit card. As an added amount, the online account linked card is given a feature that further includes a prepaid card attribute in addition to the basic attribute of the debit card.

If the online account linked card is a prepaid card (not shown), the amount of the charge preferably includes an amount directly charged to the prepaid card.

The payment authentication information is information for securing the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the payment payment for charging the online account linked card A password corresponding to the customer payment means and various security information (for example, if the customer payment means is a financial account, at least one or more security code information provided on the security card provided to the customer in the process of opening the financial account, and / Or an OTP code generated through an OTP (One Tome Password) generator provided to the customer), or an electronic signature.

The card information for the online account link card includes a card number (or an online account number associated with the online account link card) assigned to the online account link card in the card issuing process shown in FIG. 19. It corresponds to information specifying the object to be charged.

Thereafter, the server receives and reads the card charge request information including at least one of the payment means information, the charge amount information, the payment authentication information, and the card information for the online account linked card through the financial transaction channel. Checking the validity of the request information (4625b), and checking the validity of the card charge request information, the digital signature and / or encryption through the security module (not shown) the card charge request information is provided in the terminal In this case, the card charge request information is decoded, and / or the card charge request information is preferably further included.

According to an embodiment of the present invention, the validity check of the card charge request information includes various passwords (or security information) corresponding to payment authentication information included in the card charge request information and various passwords corresponding to the customer payment means ( Or comparing the security information), and checking whether the various passwords (or security information) corresponding to the payment authentication information are matched, wherein the various passwords (or security information) corresponding to the payment authentication information are included. If it matches, it is preferable that the validity of the card charge request information is authenticated.

In addition, the validity check of the card charge request information is included in the card charge request information when predetermined charge limit amount information is stored in the card charge information through the information registration system shown in FIGS. 28 and / or 33. And checking whether the charged amount information exceeds the charge limit amount information. If the charge amount information does not exceed the charge limit amount information, the validity of the card charge request information is authenticated. desirable.

If the validity of the card charge request information is not authenticated (4630b), the server generates a payment processing history including predetermined card charge error information corresponding to the validity error information (4635b), and establishes the financial network. The card charging result information including the payment processing history is transmitted to the terminal through the output (4665b).

On the other hand, if the validity of the card charge request information is authenticated (4630b), the server determines the charge amount included in the card charge request amount and the charge limit registered through the information registration system shown in FIGS. 28 and / or 33. By comparing the amounts, it is checked whether the charged amount exceeds the charged limit amount (4640b).

If the charge amount exceeds the charge limit amount (4645b), the server generates a payment processing history including predetermined card charge error information corresponding to the charge limit amount exceeded (4635b), and closes the financial network. The card charging result information including the payment processing history is transmitted to the terminal through the output (4665b).

According to another exemplary embodiment of the present invention, when the charge limit amount is omitted in the information registration system illustrated in FIGS. 28 and / or 33, the process of comparing the charge amount and the charge limit amount may be omitted. Thereby, this invention is not limited.

On the other hand, if the charge amount does not exceed the charge limit amount (4645b), the server corresponds to the card company server corresponding to the payment means information through the customer payment means corresponding to the payment means information included in the card charge request information (or In connection with the financial institution server, a payment processing procedure for charging the charged amount to the online account linked card through the customer payment means is performed (4650b).

Those skilled in the art to which the present invention pertains, since they will be familiar with the payment processing procedure for the customer payment means, a detailed description thereof will be omitted for convenience.

If the charge amount payment process corresponding to the card charge request information is not normally approved (4635b), the server generates a payment process history including predetermined card charge error information (4660b), and through the financial network The card charging result information including the payment processing history is transmitted to the terminal and output (4665b).

On the other hand, if the charge amount payment processing corresponding to the card charge request information is normally approved (4655b), the server generates a payment processing history including predetermined card charge approval information (4660b), and the payment through the financial network The card charging result information including the processing details is transmitted to the terminal and output (4665b).

47 is a diagram illustrating a process of settlement of a recharge amount charged to an online account link card through a non-face to face method according to another exemplary embodiment of the present invention.

More specifically, Figure 47 shows a predetermined charging fee corresponding to the card charging in charging a predetermined amount of money to the online account linked card through the process shown in Figure 45 and / or Figures 46a and 46b. Regarding the process of the charging and settlement process, a person having ordinary knowledge in the technical field to which the present invention belongs, the process of processing the settlement amount charged to the online account link card by referring to and / or modifying the drawing 47 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG.

For example, the settlement process for the charge amount shown in FIG. 47 is performed before the card charging process shown in FIGS. 45 and / or 46a and 46b, or in conjunction with the card charging process during the card charging process. It is possible to perform all, or to be performed after the card charging process, whereby the present invention is not limited.

In the following Figure 47, the card charging server 4300 shown in Figure 43 is referred to as "server" for convenience.

Referring to FIG. 47, the server is charged with the online account linked card before the card charging process shown in FIGS. 45 and / or 46a and 46b, during the card charging process, or after the card charging process. A predetermined charging fee amount for the amount is confirmed (4700).

According to an embodiment of the present invention, the charge fee amount is preferably determined according to the size of the amount charged to the online account linked card.

If a predetermined charge fee amount for the charge amount is confirmed (4705), the server checks the fee payer for the confirmed charge fee amount in connection with the storage medium (4345) (4710).

According to an embodiment of the present invention, the fee payer is a customer corresponding to the customer payment means included in the card charging process shown in FIGS. 45 and / or 46a and 46b, or receives the online account link card. A customer, or a customer corresponding to an account holder of an online account linked to the online account link card, or a merchant corresponding to the online account link card, the financial institution (or a card issuer), or a web server operating institution. It is preferable to include at least one or more.

If a fee payer for the charge fee is confirmed (4715), the server imposes the charge fee on the confirmed fee payer in connection with the financial system (4720).

According to an embodiment of the present invention, if the confirmed fee payer is a customer corresponding to the customer payment means, the server processes the predetermined charge amount included in the card charge request information. It is desirable to impose the charge on the payment so that payment can be processed.

Or, if the confirmed fee payer is a customer corresponding to the customer payment means (or the online account linked card issuing customer, or an online account depositor associated with the online account linked card), the server charged the amount of payment processed By deducting the charging fee from the card, the charge processing unit 4335 is preferable to process the deposit fee is limited to deposit an online account associated with the online account linked card.

Or, if the confirmed fee payer is the online account linked card issuing customer (or online account holder associated with the online account linked card), the server is online on which the charged amount is deposited by the card charge processor 4335. It is desirable to charge the charging fee from the balance of the account.

According to another embodiment of the present invention, the fee payer includes at least one or more affiliated stores corresponding to the online account linked card, the financial institution (or the card issuer), a web server operating institution, etc., in addition to the customer. Preferably, the server charges the charging fee from the merchant account, the financial institution (or card issuer) account, or the web server operator account.

If it is confirmed that the charging fee is normally charged (4725), the server checks the fee settlement rate for the charging fee in connection with the storage medium (4345) (4730).

According to an embodiment of the present invention, the fee settlement rate preferably includes a rate settled by the financial institution (or a card issuing agency) of the charging fee and a rate settled by the web server operator.

If the fee settlement rate for the charging fee is confirmed (4735), the server connects the charging fee with the financial institution (or card issuing agency) account and the web server operator in connection with the financial system. The account is settled (4740).

48 is a diagram illustrating a face-to-face information registration system for automatic charging of an online account link card according to an embodiment of the present invention.

More specifically, FIG. 48 shows an information registration system for registering card charging information for charging a predetermined amount of money in an online linked card issued through the card issuing system shown in FIG. 19. Card information, charge limit amount information, charge fee information, payment method information, charge amount information and charge for the online account linked card for automatic charging of the online account linked card according to the present invention through the information registration interface through the information registration interface When the card charging information including at least one date information is provided, the card information, the charge limit amount information, the charging fee settlement information, and the payment means for the online account linked card included in the provided card charging information in the information registration system. Linking information, charge amount information and charge date and time information For the configuration of a system for storing in a predetermined storage medium (4830), those of ordinary skill in the art, refer to this diagram 48 and / or modified to automatically charge the online account linked card Various implementation methods for the configuration of an information registration system may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may include at least card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information, and charge date information for the online account linked card. An implementation method for registering card charging information including one or more may be included in the card issuance application process on the card issuance system shown in FIG. 19 or in the face confirmation request process of the face confirmation system shown in FIG. It is also possible, and according to the intention of the person skilled in the art, if the charging for the online linked card is operated in accordance with the policy of the financial institution (or card issuing period) managing the online account (or online account linked card), this figure 48 It can be inferred that the information registration system shown in FIG. 6 may be omitted, thereby the present invention It shall be defined.

Hereinafter, at least one means and / or functional configuration for storing the card charging information provided from the customer on the storage medium 4830 on the information registration system shown in FIG. 48 through a predetermined information registration interface. The component is referred to as "information registration server 4800" for convenience.

Referring to FIG. 48 according to an embodiment of the present invention, an information registration system for automatic charging of an online account link card according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch ( 4835, and the information registration terminal 4835 is connected to the information registration server 4800 provided on the information registration system through a predetermined financial network.

According to the implementation method of the present invention, the customer visits the financial institution branch for the automatic charging of the online account link card according to the present invention, and is online through the window provided at the financial institution branch (or through a cashier). Fill out a prescribed application for the automatic charging of the account link card (e.g., a document with a form for filling in at least one item of information for the automatic charging of the account link card) and submit the completed application to the counter staff. Then, the teller enters (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system through the financial network. It is preferable to transmit to the information registration server 4800 provided.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 4800 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the teller terminal and the information registration server 4800 preferably comprises a branch network connecting the communication channel between the teller terminal and the information registration server 4800. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 4800 are provided by the customer according to the present invention. It performs the function of the information registration interface for registering the card charging information for automatic charging of the account linked card.

The storage medium 4830 provided on the information registration system according to the present invention includes the card information and the charge limit amount information of the online account linked card included in the card charging information provided from the information registration terminal 4835. The charge fee settlement information, the payment means information, the charge amount information and the charging date and time information is stored in a predetermined storage medium (4830), characterized in that for storing the online account linked card stored in the storage medium (4830) Card charging information including at least one of the card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information and charging date and time information is used for the automatic charging of the online account linked card according to the present invention.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. And at least one fee settlement ratio information including a charge fee settlement ratio between the institutions), and according to the intention of the person skilled in the art, the charge fee settlement is the fee policy of the financial institution (or card issuer); Or in an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, And at least one payment method information including customer account information that is previously opened to the parent of the child). And a predetermined amount is automatically charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. Do.

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

According to one embodiment of the invention, the storage medium 4830 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 4830 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 4830 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 4800 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 4835 and a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 4835 is a window terminal connected to a predetermined financial network, the information registration server 4800 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 4800 is provided with an interface unit 4805 for connecting and managing a predetermined communication channel with the information registration terminal 4835 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 4835 is a window terminal connected to a predetermined financial network, the interface unit 4805 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 48, the information registration server 4800 may be configured such that a predetermined information registration terminal 4835 connects a communication channel with the information registration server 4800 through the interface unit 4805, or registers card charging information. Upon request, the information registration terminal generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined card charging information from the information registration terminal 4835 and interworking with the interface unit 4805. The interface providing unit 4810 provided to the 4835 and the predetermined card charging information transmitted from the information registration terminal 4835 through the user interface in connection with the interface unit 4805. The receiving information receiving unit 4815, the validity checking unit 4820 for checking the validity of the received card charging information, and the on-the-line included in the card charging information confirmed validity An information storage unit 4825 that stores card information, charge limit amount information, charge fee settlement information, payment method information, charge amount information, and charge date and time information for a line account linked card and stores them in a predetermined storage medium 4830. It characterized by comprising a.

The interface providing unit 4810 connects a communication channel with the information registration server 4800 through the interface unit 4805 through the interface unit 4805, or requests card registration information registration. Generate a predetermined user interface capable of inputting (or selecting) the card charging information to the information registration server 4800 via the financial network in response to the functional configuration of the registration terminal 4835; and / Or extracting from a predetermined database (not shown) and providing the user interface generated (or extracted) in association with the interface unit 4805 to the information registration terminal 4835 through the financial network. .

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the card charging information to the information registration terminal (4835) and transmits to the information registration server 4800 through the financial network. When a predetermined information registration program is provided, the interface providing unit 4810 for providing the user interface to the information registration terminal 4835 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 4835 includes at least one of card information, a charge limit amount information, a charge fee settlement information, a payment means information, a charge amount information, and a charge date information for the online account linked card based on the user interface. The card charging information including the above information is input (or selected), and the input (or selected) card charging information is transmitted to the information registration server 4800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 4835 is a window terminal connected to a predetermined financial network, the interface providing unit 4810 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 4805.

The information receiving unit 4815 is the card information, charge limit amount information, charge fee information, payment means information, payment amount information and charge date information for the online account linked card through the user interface in the information registration terminal (4835) When the card charging information including at least one or more input (or selected) and transmits through the financial network, the card charging information is received in conjunction with the interface unit 4805, the received card charging Information is provided to the validity verification unit 4820.

The validity confirming unit 4820 may check whether the card charging information received from the information registration terminal 4835 satisfies the validity for the automatic charging of the online account linked card.

According to an embodiment of the present invention, the validity check of the card charging information may be performed by checking whether at least one ledger information matching the card charging information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

For example, the validity check of the card charging information includes checking whether a card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B on the financial system. It is preferable.

When the validity of the card charging information is confirmed, the information storage unit 4825 may add card information, charge limit amount information, charge fee settlement information, payment method information, and charge for the online account linked card included in the card charge information. The amount information and the charging date and time information is processed in connection with the storage medium 4830, characterized in that the storage medium 4830 is provided in the information registration server 4800, or with the information registration server 4800 When provided on the associated network, the information storage unit 4825 may charge card information, charge limit amount information, charge fee settlement information, payment method information, and charge for the online account linked card included in the received card charge information. It is preferable to store the information on the storage medium 4830 by linking the amount information and the charging date and time information, the storage medium 4830 is on the financial system When provided in the non-DBMS, the information storage unit 4825 may include card information, charge limit amount information, charge fee settlement information, payment method information, and charge amount for the online account linked card included in the received card charge information. It is preferable to provide the information and the charging date and time information to the information system through the external system on the financial system and to store in the DBMS provided on the financial system.

49 is a diagram showing the configuration of the card charging information stored in the ledger D / B 4900 provided in the DBMS on the financial system in a face-to-face for the automatic charging of the online account link card according to an embodiment of the present invention.

In more detail, FIG. 49 shows the ledger information provided in the ledger D / B 4900 when the storage medium 4830 illustrated in FIG. 48 is the ledger D / B 4900 provided in the DBMS on the financial system. Shows a configuration of an information method for storing card charging information including card information, charge limit amount information, charge fee settlement information, payment method information, charge amount information, and charging date and time information for the online account linked card. Specifically, in the ledger D / B 4900 provided in the DBMS on the financial system shown in FIG. 19, an online account ledger in the form of a virtual account as shown in FIG. 20 is provided and corresponds to the online account linked card. If the ledger is linked to the online account ledger, the card ledger, the card information and charge limit amount information, charge fee settlement information and payment number for the online account linked card It illustrates the configuration information and the information to store charge card information including charged amount information and charging date and time information as additional information types.

Those skilled in the art to which the present invention pertains can deduce various information construction methods for storing the card charging information in the ledger D / B 4900 by referring to and / or modifying the drawing 49. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 49 to link the ledger D / B 4900 with an online account ledger in the form of a virtual account as shown in FIG. It is possible to infer an implementation method of linking and storing the card charging information in a card ledger associated with another online account ledger (for example, an online account ledger in the form of a prepaid card-based bank account) in addition to the old card ledger. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 4900 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one or more for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that the additional information is included, and the specific technical matters for this will be understood, so the detailed description thereof is provided for convenience. Omit.

The customer ledger issues at least one financial account to the financial institution (or card issuing institution) and processes at least one financial transaction through the financial account (for example, individual customer, corporate customer, corporate customer, etc.). This is a ledger that stores customer information corresponding to the CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification. Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage , Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

Wherein the virtual account ledger (or online account ledger) is connected in a relational manner to the account ledger corresponding to the parent account of the virtual account among the account ledgers, wherein the virtual account ledger information includes basic account ledger information It characterized in that it comprises an information configuration that further comprises the mother account number and the mother account operating institution information.

Those of ordinary skill in the art to which the present invention pertains include an online account linked card ledger according to the virtual ledger information structure associated with the account ledger, and the virtual account ledger information structure based on the basic ledger information structure. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

The card ledger is connected in relation to the virtual account ledger (or online account ledger), wherein the card ledger information is the card information generated corresponding to the card attribute setting information included in the card issuance application information, Characterized in that it comprises a limit amount information for the online account linked card.

Those skilled in the art will be able to deduce a cardholder information configuration including card information generated according to the card type setting information of the card attribute setting information included in the card issuing application information Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 49, the card charging information provided through the information registration system shown in FIG. 48 is stored in the form of additional information added to the account ledger. The card charging information is stored in the online account linked card. And at least one of card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information, and charge date and time information.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, And at least one payment method information including customer account information that is previously opened to the parent of the child). And a predetermined amount is automatically charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

50 is a diagram showing the configuration of the card charging information stored in the database associated with the ledger D / B (5000) provided in the DBMS on the financial system in a face-to-face for the automatic charging of the online account link card according to another embodiment of the present invention One drawing.

In more detail, FIG. 50 shows an information structure of an embodiment in which the storage medium 4830 shown in FIG. 48 is stored in a predetermined database processed in association with the ledger D / B 5000 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 50 to associate the card charging information with the ledger D / B 5000 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, it is not limited to the implementation method shown in FIG.

In particular, the drawing 50 is not easy to store the card charging information in the ledger information of the ledger D / B (5000) on the DBMS provided on the financial system (e.g., ledger D of the DBMS in accordance with the policy of financial institutions It is not easy to change the / B (5000), or the system expansion is not easy due to the nature of the financial system), the card charge information is stored in a predetermined database instead of the ledger D / B (5000), and The implementation method of linking and storing a database and the ledger D / B 5000 is illustrated.

In addition, the database shown in FIG. 50 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 50, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 50, the database links and processes card information, charge limit amount information, charge fee settlement information, payment method information, charge amount information, and charging date and time information for the online account linked card included in the card charge information. Characterized in that, the card charge information further comprises a CIF number corresponding to the ledger information in the card charge information to be processed in conjunction with the ledger D / B (5000).

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information corresponds to fee payer information (for example, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged to the online account link card. A merchant, a financial institution (or a card issuing institution), or a web server operating institution), and a financial institution (or card) that manages the online server-linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one fee settlement ratio information including the charge fee settlement rate between the issuing institution), the charge fee settlement is the fee policy of the financial institution (or card issuer), Or in an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, And at least one payment method information including customer account information that is previously opened to the parent of the child). And a predetermined amount is automatically charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

51 is a view showing the configuration of the card charging information stored in the DBMS provided in the payment server in a face-to-face for the automatic charging of the online account linked card according to another embodiment of the present invention.

In more detail, Fig. 51 shows that a storage medium 4830 shown in Fig. 48 is provided with a predetermined payment provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one or more payment server by referring to and / or modified in this drawing 51 It is possible to infer an information configuration method for the card charge information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 51, a predetermined DBMS provided in the payment server includes card information, charge limit amount information, charge fee settlement information, payment method information, and charge amount information for an online account linked card included in the card charge information. And charging date and time characterized in that the connection and processing information.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card is issued to the parent, the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawings 1 and / Or if a certain online account link card is issued to a child through the customer (or the deposit payer, for example, the card issuance system shown in FIG. 19) in addition to the online account registered through the online account registration system shown in FIG. , At least one payment means information including the customer account information that is already opened to the parent of the child) W, and wherein the formed, preferably via a payment process using the customer's payment means corresponding to the payment means information to a predetermined amount of the automatic charging in the online account associated card.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

52 is a diagram illustrating a process of registering card charging information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 52 shows the case where the information registration server 4800 on the information registration system shown in FIG. 48 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 4800 and connects a communication channel for information registration according to the present invention, or upon request for registration of card charge information, the information registration server 4800 through the communication channel. The card registration information including the card information, the charge limit amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charging date information for the online account linked card, the information registration server 4800; The card information, the charge limit amount information and the charging fee settlement information for the online account linked card included in the received card charging information at An embodiment of the present invention relates to a method of storing information on a predetermined storage medium 5005 by integrating means information, charge amount information, and charge date and time information, and a person skilled in the art to which the present invention pertains may refer to FIG. Reference may be made to and / or modified to infer various implementation methods for registering the card charging information from the counter terminal to the information registration server 4800, but the present invention includes all the implementation methods inferred from this figure. It is not limited to the implementation method shown at 52.

Hereinafter, in Fig. 52, the window terminal shown in Fig. 48 is referred to as " terminal " for convenience, and the information registration server 4800 shown in Fig. 48 is referred to as " server " for convenience, and the information is registered in the window terminal. The card information, the charge limit amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charging date information for the online account linked card transmitted to the server 4800 are referred to as "card charging information" for convenience.

Referring to FIG. 52, the teller terminal shown in FIG. 48 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the card charging information, and automatically charges the online account linked card. When requesting registration of the card charging information for 5200, the server generates (or extracts) a predetermined information registration interface for registering the card charging information (5205), and generates the data (or The extracted information registration interface is transmitted to the terminal and output (5210).

According to an embodiment of the present invention, the information registration interface includes at least one card information, a charge limit amount information, a charge fee settlement information, a payment means information, a charge amount information, and a charge date information of the online account linked card in the terminal. It is preferable to include a user interface for inputting (or selecting) the card charging information included above.

Then, the terminal through the information registration interface through the card information about the at least one or more online account linked card card charge information including charge limit amount information, charge fee settlement information, payment means information, charge amount information and charging date and time information Enter (or select) 5315.

If the terminal, through the information registration interface, the card charging information including card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information and charge date and time information for the online account linked card ( Or (optional) (5220), the terminal checks the card information, the charge limit amount information, the charging fee settlement information, the payment means information, the payment amount information, and the like for the online account linked card inputted through the financial network. Card charging information including the charging date and time information is transmitted to the server (5225).

Thereafter, the server receives and reads the card information, the charging limit amount information, the charging fee settlement information, the payment means information, the charging amount information, and the charging date information for the online account linked card through the financial network. Validate for (5230).

According to an exemplary embodiment of the present invention, at least one or more ledger information matching the card charging information is registered in the ledger D / B 5000 on the financial system associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the card charging information is to check whether the card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B 5000 on the financial system. It is preferable to comprise.

If the validity of the card charging information is not authenticated (5235), the server generates predetermined information registration error information and transmits it to the terminal (5240), and does not perform an information registration procedure corresponding to the card charging information. Do not.

On the other hand, if the validity of the card charging information is authenticated (5235), the server performs the information registration procedure corresponding to the card charging information, the card information, the charge limit amount information and the charging fee information for the online account linked card is settled The information, the payment means information, the charge amount information and the charge date and time information is processed in association with the predetermined storage medium 5005 and stored (5245).

According to one embodiment of the invention, the storage medium 5005 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 5005 may be a ledger D / B 5000 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 5000, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 5005 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (5250), thereby completing the procedure of registering the card charging information transmitted from the terminal.

53 is a diagram illustrating a non-face-to-face information registration system for automatic charging of an online account link card according to another embodiment of the present invention.

More specifically, FIG. 53 is an information registration system for registering card charging information for charging a predetermined amount of money in an online linked card issued through the card issuing system shown in FIG. 19. Card information, charge limit amount information, charge fee information, payment method information, charge amount information and charge for the online account linked card for automatic charging of the online account linked card according to the present invention through the information registration interface through the information registration interface When the card charging information including at least one date information is provided, the card information, the charge limit amount information, the charging fee settlement information, and the payment means for the online account linked card included in the provided card charging information in the information registration system. Linking information, charge amount information and charge date and time information For the configuration of a system for storing in a predetermined storage medium 5330, those skilled in the art to which the present invention pertains, the automatic charging of the online account link card by referring to and / or modified in this figure 53 Various implementation methods for the configuration of an information registration system 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.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may include at least card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information, and charge date information for the online account linked card. An implementation method for registering card charging information including one or more may be included in the card issuance application process on the card issuance system shown in FIG. 19 or in the face confirmation request process of the face confirmation system shown in FIG. It is also possible, and according to the intention of the person skilled in the art, if the charging for the online linked card is operated in accordance with the policy of the financial institution (or card issuing period) managing the online account (or online account linked card), this figure 53 It can be inferred that the information registration system shown in FIG. 6 may be omitted, thereby the present invention It shall be defined.

Hereinafter, at least one means and / or functional configuration for storing card charging information provided from the customer on the storage medium 5330 via a predetermined information registration interface on the information registration system shown in FIG. The component is referred to as "information registration server 5300" for convenience.

Referring to FIG. 53 according to an embodiment of the present invention, an information registration system for automatic charging of an online account link card according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 5335 including at least one or more thereof, wherein the information registration terminal 5335 is provided on the information registration system through a predetermined network means. And communication channel are connected.

According to one embodiment of the present invention, the customer accesses the information registration server 5300 through at least one or more client terminals of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the card charging information for the automatic charging of the online account linked card according to the present invention is input (or selected) through at least one user interface provided by the information registration server 5300, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 5300 provided on the information registration system through.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

Also, the information registration server 5300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 5300 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the information registration server 5300, input and / or select at least one information through the user interface, and transmit the same to the information registration server 5300. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 5300, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 5300 and And / or the wireless network performs a function of an information registration interface for the customer to register card charging information for automatic charging of the online account linked card according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 5335 is, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network). A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 5335 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 5300 performs a function of an information registration interface for registering the card charging information for the customer to automatically charge the online account linked card according to the present invention, and / or the information registration terminal 5535 ) Is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 5300 are viewed by the customer. It performs the function of the information registration interface for registering the card charging information for the automatic charging of the online account linked card according to the invention, and / or the information registration terminal (5335) In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with an existing financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the information registration server 5300 performs a function of an information registration interface for registering the card charging information for the customer to automatically charge the online account linked card according to the present invention.

The storage medium 5330 provided on the information registration system according to the present invention includes card information and charge limit amount information of the online account linked card included in the card charging information provided from the information registration terminal 5335. The charge fee settlement information, the payment means information, the charge amount information and the charging date and time information is stored in a predetermined storage medium 5330, characterized in that for the online account linked card stored in the storage medium 5330 Card charging information including at least one of the card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information and charging date and time information is used for the automatic charging of the online account linked card according to the present invention.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, At least one payment method information including the customer account information that is already opened to the parent of the child) W, and wherein the formed, preferably via a payment process using the customer's payment means corresponding to the payment means information to a predetermined amount of the automatic charging in the online account associated card.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

According to an embodiment of the present invention, the storage medium 5330 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), and at this time, the storage medium. 5330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 5330 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 5300 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 5335 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 5300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or external to the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 5300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 5300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 5300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 5300 is provided with an interface unit 5305 for connecting and managing a predetermined communication channel with the information registration terminal 5335 through the network means. It features.

According to an embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 5305 may At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 5305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 5300, the interface unit 5305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a financial automatic device connected to a predetermined financial network, the interface unit 5305 may be configured to perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 5535 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 5305 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) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 5305 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 5300, the interface unit 5305 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 5305 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 5305 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 5305 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 53, in the information registration server 5300, a predetermined information registration terminal 5335 connects a communication channel with the information registration server 5300 through the interface unit 5305, or registers card charging information. Upon request, the information registration terminal generates (or extracts) a predetermined user interface for interfacing with the interface unit 5305 to input (or select) and transfer predetermined card charging information from the information registration terminal 5335. The interface providing unit 5310 provided to the 5335 and the card charging information inputted (or selected) transmitted by the information registration terminal 5335 through the user interface in cooperation with the interface unit 5305 are provided. Receiving information receiving unit 5315, the card information, the charge limit amount information and the charge fee settlement information for the online account linked card included in the received card charge information In association process the payment means information and charge amount information and charging information to the day before when an information storage unit (5325) for storing in a storage medium (5330) is characterized in that formed.

The interface provider 5310 registers the information when a predetermined information registration terminal 5335 connects a communication channel with the information registration server 5300 through the interface unit 5305, or requests card registration information registration. Generate a predetermined user interface capable of inputting (or selecting) the card charging information and transmitting the card charging information to the information registration server 5300 via the network means in response to the functional configuration of the terminal 5335; and / or Extracting from a predetermined database (not shown) and providing the user interface generated (or extracted) in association with the interface unit 5305 to the information registration terminal 5335 via the network means.

Thereafter, the information registration terminal 5335 includes at least one of card information, a charge limit amount information, a charge fee settlement information, a payment means information, a charge amount information, and a charge date information for the online account linked card based on the user interface. The card charging information including the above is input (or selected), and the input (or selected) card charging information is transmitted to the information registration server 5300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 5310 is provided. ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 5305 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a financial automation device connected to a predetermined financial network, the interface providing unit 5310 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 5305.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface provider 5310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 5305.

According to another exemplary embodiment of the present invention, when the information registration terminal 5535 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 5310 may be configured as the call terminal ( Create (or extract) a predetermined user interface that can be provided by using the interface unit, and generate the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 5305 to the call terminal (shown). Omit).

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 5310 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 5305. .

In accordance with another embodiment of the present invention having at least one user interface for inputting (or selecting) the card charging information to the information registration terminal 5335 to the information registration server 5300 through the network means. When a predetermined information registration program is provided, the interface providing unit 5310 which provides the user interface to the information registration terminal 5335 may be omitted, and the present invention is not limited thereto.

The information receiving unit 5315 is the card information, the charge limit amount information, charge fee information, payment means information, payment amount information and charge date information for the online account linked card through the user interface in the information registration terminal (5335) When the card charging information including at least one or more input (or selected) and transmits through the network means, the card charging information is received in conjunction with the interface unit 5305, the received card charging Information is provided to the validity verification unit 5320.

The validity verification unit 5320 is characterized in that the card charging information received from the information registration terminal (5335) to check whether the validity for the automatic charging of the online account linked card.

According to an embodiment of the present invention, the validity check of the card charging information may be performed by checking whether at least one ledger information matching the card charging information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

For example, the validity check of the card charging information includes checking whether a card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B on the financial system. It is desirable.

When the validity of the card charging information is confirmed, the information storage unit 5325 is the card information, charge limit amount information, charge fee information and payment means information and charging for the online account linked card included in the card charging information Characterized in that the amount information and the charging date and time information is stored in the storage medium 5330, the storage medium 5330 is provided in the information registration server 5300, or the information registration server 5300 and When provided on the associated network, the information storage unit 5325 may charge card information, charge limit amount information, charge fee settlement information, payment method information, and charge for the online account linked card included in the received card charge information. It is preferable to store the price information and the charging date and time information in the storage medium 5330, and the storage medium 5330 is on the financial system. When provided in the non-DBMS, the information storage unit 5325 is the card information, the charge limit amount information, charge fee information, payment means information and payment amount information for the online account linked card included in the received card charge information And charging date and time information to the information system through the external system on the financial system is preferably stored in the DBMS provided on the financial system.

54 is a view showing the configuration of the card charging information stored in the ledger D / B (5400) provided in the DBMS on the financial system in a non-face-to-face for the automatic charging of the online account link card in accordance with an embodiment of the present invention.

In more detail, FIG. 54 shows the ledger information provided in the ledger D / B 5400 when the storage medium 5330 illustrated in FIG. 53 is the ledger D / B 5400 provided in the DBMS on the financial system. Shows a configuration of an information method for storing card charging information including card information, charge limit amount information, charge fee settlement information, payment method information, charge amount information, and charging date and time information for the online account linked card. Specifically, in the ledger D / B 5400 provided in the DBMS on the financial system shown in FIG. 19, an online account ledger in the form of a virtual account as shown in FIG. 20 is provided and corresponds to the online account linked card. If the ledger is linked to the online account ledger, the card ledger, the card information and charge limit amount information, charge fee settlement information and payment number for the online account linked card It illustrates the configuration information and the information to store charge card information including charged amount information and charging date and time information as additional information types.

Those skilled in the art to which the present invention pertains can deduce various information construction methods for storing the card charging information in the ledger D / B 5400 by referring to and / or modifying the drawing 54. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 54 and make an online account ledger in the form of a virtual account in the ledger D / B 5400 as shown in FIG. In addition to the card ledger associated with the online account ledger (for example, online account ledger in the form of a prepaid card-based new account) may be inferred to implement the method of storing the card charging information in association with, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one or more information associated with the account ledger. B 5400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. 20. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger issues at least one financial account to the financial institution (or card issuing institution) and processes at least one financial transaction through the financial account (for example, individual customer, corporate customer, corporate customer, etc.). This is a ledger that stores customer information corresponding to the CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification. Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage , Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

Wherein the virtual account ledger (or online account ledger) is connected in a relational manner to the account ledger corresponding to the parent account of the virtual account among the account ledgers, wherein the virtual account ledger information includes basic account ledger information It characterized in that it comprises an information configuration that further comprises the mother account number and the mother account operating institution information.

Those of ordinary skill in the art to which the present invention pertains include an online account linked card ledger according to the virtual ledger information structure associated with the account ledger, and the virtual account ledger information structure based on the basic ledger information structure. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

The card ledger is connected in relation to the virtual account ledger (or online account ledger), wherein the card ledger information is the card information generated corresponding to the card attribute setting information included in the card issuance application information, Characterized in that it comprises a limit amount information for the online account linked card.

Those skilled in the art will be able to deduce a cardholder information configuration including card information generated according to the card type setting information of the card attribute setting information included in the card issuing application information Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 54, the card charging information provided through the information registration system shown in FIG. 53 is stored in the form of additional information added to the account ledger. The card charging information is stored in the online account linked card. And at least one of card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information, and charge date and time information.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number associated with the online link card is further included, or the customer information corresponding to the online account (or the online account link card) is further included.

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one or more fee settlement ratio information including the charge fee settlement ratio between institutions), the charge fee settlement is the fee policy of the financial institution (or card issuer), or in accordance with the intention of the skilled person Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, And at least one payment method information including customer account information that is previously opened to the parent of the child). And a predetermined amount is automatically charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the online account linked card, the recharge date and time the charge amount It is preferably matched with period information for automatically recharging the online account linked card.

55 is a view illustrating a structure of card charge information stored in a database associated with a ledger D / B 5500 provided in a DBMS on a financial system in a non-face-to-face manner for automatic charging of an online account link card according to another embodiment of the present invention. Figure is shown.

In more detail, FIG. 55 shows the configuration of an embodiment of the method in which the storage medium 5330 illustrated in FIG. 53 is stored in a predetermined database processed in association with the ledger D / B 5500 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 55 to associate the card charging information with the ledger D / B 5500 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, it is not limited to the implementation method shown in FIG.

Particularly, in the drawing 55, it is not easy to store the card charging information in the ledger information of the ledger D / B 5500 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B (5500) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), instead of the ledger D / B (500) stores the card charge information in a predetermined database, and The implementation method of linking and storing a database and the ledger D / B 5500 is illustrated.

In addition, the database shown in FIG. 55 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 55, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 55, the database links and processes card information, charge limit amount information, charge fee settlement information, payment method information, charge amount information, and charge date and time information for an online account linked card included in the card charge information. Characterized in that, the card charge information is preferably made further comprises a CIF number corresponding to the ledger information in the card charge information to be processed in conjunction with the ledger D / B (5500).

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information may include fee payer information (eg, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged in the online account link card. A merchant or a financial institution (or a card issuing institution), or a web server operating institution, etc., and a financial institution (or card issuing card management agency) that manages the online account linked card and the web server operating institution corresponding to the charging fee for the online account. And at least one fee settlement ratio information including a charge fee settlement ratio between institutions), and according to the intention of a person skilled in the art, the charge fee settlement is a fee policy of the financial institution (or card issuer), or Within an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, And at least one payment method information including customer account information that is previously opened to the parent of the child). And a predetermined amount is automatically charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

56 is a view showing the configuration of the card charging information stored in the DBMS provided in the payment server in a non-face-to-face for the automatic charging of the online account linked card according to another embodiment of the present invention.

In more detail, Fig. 56 shows that the storage medium 5330 shown in Fig. 53 is a predetermined payment provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a server. Those skilled in the art to which the present invention pertains are provided with at least one payment server by referring to and / or modifying the drawing 56. It is possible to infer an information configuration method for the card charging information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 56, a predetermined DBMS included in the payment server includes card information, charge limit amount information, charge fee information, payment means information, and charge amount for the online account linked card included in the card charge information. The information and charging date and time information is characterized in that the processing by linking.

Here, the card information for the online account link card is preferably made of a card number for the online account link card issued to the customer through the card issuing system shown in Figure 19, according to the intention of the skilled person It is preferable that the online account number is further associated with an online link card or further includes customer information corresponding to the online account (or an online account link card).

The charge limit amount information may include at least one charge limit amount of the one-time charge limit amount, the daily charge limit amount, the weekly charge limit amount, and the monthly charge limit amount on the online account linked card. If the charge limit amount is not set at the request of the customer, the charge limit amount information may be omitted, and the present invention is not limited thereto.

The charge fee settlement information corresponds to fee payer information (for example, a customer who has issued an online account link card or an online account link card) to pay a charge fee generated when a predetermined amount is charged to the online account link card. A merchant, a financial institution (or a card issuing institution), or a web server operating institution), and a financial institution (or card) that manages the online server-linked card and the web server operating institution corresponding to the charging fee for the online account. It is preferable to include at least one fee settlement ratio information including the charge fee settlement rate between the issuing institution), the charge fee settlement is the fee policy of the financial institution (or card issuer), Or in an alliance between the financial institution (or card issuer) and the web server operator If that is set according to, possible to charge the fee settlement information is omitted, and which the present invention is not limited.

The payment means information, in addition to the online account associated card issued to the customer through the card issuing system shown in Figure 19, the customer (or payment amount payer, for example, the child through the card issuing system shown in Figure 19) If a predetermined online account linked card has been issued to the parent of the child, etc.) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card, and the drawing 1 and / or In addition to the online account registered through the online account registration system shown in FIG. 10, if the customer (or the payment amount payer, for example, a predetermined online account link card is issued to a child through the card issuance system shown in FIG. 19, And at least one payment method information including customer account information that is previously opened to the parent of the child). And a predetermined amount is automatically charged to the online account linked card through a payment process using a customer payment means corresponding to the payment means information.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The recharge date and time information is a date and time information for automatically recharging the charge amount through the customer payment means corresponding to the payment means information to the on-line account linked card, the charge date and time the said charge amount for each period; It is desirable to match the period information to automatically recharge the online account link card.

57 is a diagram illustrating a process of registering card charging information in a non-face-to-face manner for automatic charging of an online account linked card according to an embodiment of the present invention.

In more detail, in FIG. 57, when the information registration server 5300 on the information registration system shown in FIG. 53 has a web server function to which a client terminal can be connected through a predetermined network means, Connect to the information registration server 5300 to connect a communication channel for information registration according to the present invention, or when the card charging information registration request, through the communication channel to the information registration server 5300 to the online account linked card When the card charge information including card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information, and charge date and time information is transmitted, the received card charge information from the information registration server 5300 The card information, charge limit amount information, and settlement fee settlement information for the online account linked card included in the An embodiment of the present invention relates to a method of linking means information, charge amount information, and charge date and time information to a predetermined storage medium 5505. Those skilled in the art may refer to FIG. 57. And / or modified to infer various implementation methods for registering the card charging information from the client terminal to the information registration server 5300, but the present invention includes all the implementation methods inferred, FIG. 57 It is not limited to the implementation method shown by.

Hereinafter, in FIG. 57, the client terminal shown in FIG. 53 is called "terminal" for convenience, and the information registration server 5300 shown in FIG. 53 is called "server" for convenience, and the information is registered in the client terminal. The card information, the charge limit amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charging date information for the online account linked card transmitted to the server 5300 are referred to as "card charging information" for convenience.

Referring to FIG. 57, the client terminal illustrated in FIG. 53 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based). Connecting to a server through a mobile communication network and / or an IEEE 802.16x based portable Internet, etc., connecting a predetermined communication channel for registering the card charging information, and charging the card for automatic charging of the online account linked card. When requesting information registration (5700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering card charging information (5705), and generates (or extracts) through the communication channel. In step 5710, the webpage is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface includes at least one card information, a charge limit amount information, a charge fee settlement information, a payment means information, a charge amount information, and a charge date information of the online account linked card in the terminal. It is preferable to include a user interface for inputting (or selecting) the card charging information included above.

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

Then, the terminal through the information registration interface through the card information about the at least one or more online account linked card card charge information including charge limit amount information, charge fee settlement information, payment means information, charge amount information and charging date and time information Enter (or select) 5715.

If the terminal, through the information registration interface, the card charging information including card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information and charge date and time information for the online account linked card ( Or (optional) (5720), the terminal receives card information, charge limit amount information, charge fee information, payment means information and payment amount information for the online account linked card input (or selected) through the communication channel; The charging date and time information is transmitted to the server (5725).

According to an embodiment of the present invention, the card information, the charge limit amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charge date information for the online account linked card input (or selected) through the communication channel. Transmitting to the server further comprises transmitting the card charging information input (or selected) through the information registration interface to the server by electronic signature and / or encryption through a security module provided in the terminal. Can be.

Thereafter, the server receives and reads the card information, the charge limit amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charging date information for the online account linked card through the communication channel. The validity of the information is checked (5730).

According to an embodiment of the present invention, confirming the validity of the card charging information, when the card charging information is electronic signature and / or encrypted through the security module provided in the terminal, decrypt the card charging information or And / or decrypting the card charging information.

According to an exemplary embodiment of the present invention, at least one or more ledger information matching the card charging information may be registered in the ledger D / B 5500 on the financial system associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the card charging information is to check whether the card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B 5500 on the financial system. It is preferable to comprise.

If the validity of the card charging information is not authenticated (5735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (5740), the information corresponding to the card charging information Do not perform the registration process.

On the other hand, if the validity of the card charge information is authenticated (5735), the server performs the information registration procedure corresponding to the card charge information, the card information, the charge limit amount information and the charge fee information for the online account linked card is settled The information, the payment means information, the charge amount information and the charge date and time information is processed in association with the predetermined storage medium 5505 and stored (5745).

According to an embodiment of the present invention, the storage medium 5505 is provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 5505 may be a ledger D / B 5500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 5500, whereby the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 5505 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (5750), thereby completing the procedure of registering the card charging information transmitted from the terminal.

58A and 58B illustrate a process of registering card charging information in a non-face-to-face manner for automatic charging of an online account linked card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 58A and 58B illustrate that when the information registration system shown in FIG. 53 is implemented through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, And accessing the Internet banking server through the Internet, and performing a predetermined customer authentication procedure, and then the client terminal sends predetermined card charging information for automatic charging of the online account linked card to the Internet banking server. When the card charge information including the card information, the charge limit amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charge date information for the associated card is transmitted, the information registration server 5300 receives the received information. Card information and charge limit amount for online account linked card included in card recharge information And a charging method for charging fee information, payment method information, charge amount information, and charging date and time information and storing the same in a predetermined storage medium 5505, which has a general knowledge in the art. In this case, various implementation methods for registering the card charging information from the client terminal to the information registration server 5300 may be inferred by referring to and / or modifying the drawings 58a and 58b. The present invention includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 58A and 58B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 58A and 58B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering card charging information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, this figure A card between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in Figs. 58A and 58B. Charging information It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for a lock, but the present invention includes an provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 58a and 58b, a telebanking system And / or inferring a method of connecting a non-facing channel-based financial transaction channel for registering card charging information in another banking system such as a wireless banking system and / or a TV banking system, but the present invention provides the telebanking system. And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in 58b.

In the following Figures 58a and 58b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 5300 is referred to as "server" for convenience.

58A and 58B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (5800a), the server communicates between the terminal and the server through the browser. (5805a), wherein the communication channel refers to a web page generated (or extracted) by a request of a browser program provided to the terminal and transmitted to the terminal, and the browser provided to the terminal. This means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (5810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (5815a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (5820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (5825a), or if the terminal does not need to install and / or update the Internet banking security module (5815a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (5830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the information to be provided to the server for registration of card charge information by the terminal ( Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the information to be provided to the server for registration of card charge information by the terminal. (Or data) attaches a predetermined digital signature and / or at least one cancer When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking customer authentication procedure through the browser program (5835a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. The request (5840a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face channel-based financial transactions based on the customer authentication data received from the terminal (5845a).

If the Internet banking customer authentication fails (5850a), the server blocks the Internet banking secure channel for the terminal (5855a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (5850a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (5860a), where the Internet banking-based The financial transaction channel refers to a communication channel for registering and transmitting predetermined card charging information for automatic charging of an online account linked card from the terminal to the server.

Subsequently, when the terminal requests the Internet banking-based card charging information registration to the server through the inter-banking-based financial transaction channel for registration of the card charging information (5800b), the server is predetermined for registering the card charging information. A web page corresponding to the information registration interface of the terminal is generated (or extracted) (5805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (5810b).

According to an embodiment of the present invention, the information registration interface includes at least one card information, a charge limit amount information, a charge fee settlement information, a payment means information, a charge amount information, and a charge date information of an online account linked card in the terminal. It is preferable to include an interface for inputting (or selecting) card charging information, and / or to confirm the validity of the Internet banking customer requesting registration of the card charging information and / or the card charging information. Certain passwords (e.g. account passwords) and / or security codes (e.g. security codes printed on security cards issued to customers during the Internet banking application process) and / or One Time Password (OTP) (e.g. Internet banking applications) The OTP authenticator (or OTP authentication) provided to the customer by the course (or after applying for internet banking). It further comprises an interface for inputting the one-time password generated by the program)) is preferred.

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

Then, the terminal through the information registration interface card charging information including at least one or more card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information and charging date information for the online account linked card Input (or select) 5815b.

If the terminal, through the information registration interface, the card charging information including card information, charge limit amount information, charge fee settlement information, payment means information, charge amount information and charge date and time information for the online account linked card ( Or (optional) (5820b), the terminal transmits the input (or selected) card charging information to the server through the financial transaction channel (5825b).

According to an embodiment of the present invention, transmitting the card charge information input (or selected) to the server through the financial transaction channel, the card charge information input (or selected) through the information registration interface to the terminal It comprises the electronic signature and / or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the card charging information through the financial transaction channel to confirm the validity of the card charging information (5830b).

According to an embodiment of the present invention, confirming the validity of the card charging information, when the card charging information is electronic signature and / or encrypted through the security module provided in the terminal, decrypt the card charging information or And / or decrypting the card charging information.

In addition, the validity check of the card charging information, it is preferable to further comprise authenticating the password and / or security code and / or OTP included in the card charging information.

According to an exemplary embodiment of the present invention, at least one or more ledger information matching the card charging information may be registered in the ledger D / B 5500 on the financial system associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the card charging information is to check whether the card ledger corresponding to the card information of the online account linked card included in the card charging information is provided in the ledger D / B 5500 on the financial system. It is preferable to comprise.

If the validity of the card charging information is not authenticated (5835b), the server generates a web page including predetermined card charging information registration error information and transmits it to the terminal (5840b), and corresponds to the card charging information. Do not perform the information registration procedure.

On the other hand, if the validity of the card charging information is authenticated (5835b), the server performs an information registration procedure corresponding to the card charging information, so that the card information and the charge limit for the online account linked card included in the card charging information The amount information, the charge fee settlement information, the payment means information, the charge amount information, and the charging date and time information are processed in association with each other and stored in the predetermined storage medium 5505 (5845b).

According to an embodiment of the present invention, the storage medium 5505 is provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 5505 may be a ledger D / B 5500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 5500, whereby the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 5505 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined card charge information registration history information and transmits the generated web page to the terminal (5850b), thereby completing the card charge information registration transmitted from the terminal.

59 shows a card charging system for charging an online account linked card according to an embodiment of the present invention.

In more detail, FIG. 59 shows card information and charging of an online account link card for automatic charging of the online account link card to the storage medium 5930 through the information registration system shown in FIGS. 48 and / or 53. When the card charge information including at least one limit amount information, charge fee settlement information, payment method information, charge amount information and charge date and time information is stored, the online card linked card based on the card charge information in the card charging system As a system configuration for providing a card charge payment for automatic charging of the person having ordinary skill in the art to which the present invention pertains, the automatic charging of the online account link card by referring to and / or modified in this figure 59 It will be possible to infer various implementation methods for the card charging system configuration for the present invention, It includes all the inferred implementation methods, and is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for providing a card charge payment for automatic charging of the online account linked card based on the card charge information stored in the storage medium 5930 on the card charge system shown in FIG. The component corresponding to the configuration is called "card charging server 5900" for convenience.

Referring to FIG. 59 according to an embodiment of the present invention, the card charging system for automatic charging of the online account linked card is based on the card charging information stored in the storage medium 5930 through the customer payment means. It is characterized in that it comprises a financial system equipped with a card charging server (5900) for automatically processing the payment amount for the online account linked card and the card ledger for the online account linked card.

A financial system equipped with a ledger corresponding to the online account (or an online account linked card) in association with the card charging server 5900 is basically at least one or more windows provided at branches (and / or branches) of the financial institution. Characterized in that the terminal is connected through a predetermined financial network (for example, the current network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one or more wireless terminals (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (Global) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 59, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and to provide at least one card charging service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the link is processed and stored, the ledger information is linked to the online account And a predetermined ledger corresponding to the card.

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

The card charging server 5900 provided on the card charging system according to the present invention is a generic term for the card charging system-side components, and includes at least one server (or device), and / or a predetermined server. It may be implemented by at least one or more programs recorded on a recording medium provided in the (or device), by which the present invention is not limited.

Referring to FIG. 59, the card charging server 5900 periodically checks card charging information stored in the storage medium 5930 to confirm whether the online account linked card has arrived at a charging date and time. And, when the check result arrives at the charging date, confirms the payment means information, the charge amount information, and the card information for the online account linked card included in the card charge information, or the figures 48 and / or 53 An information confirmation unit 5910 for confirming the charging fee settlement information registered through the illustrated information registration system, and the customer payment corresponding to the payment means information included in the card charging information whose validity is confirmed in connection with the financial system; And a payment amount payment unit 5915 for processing the payment amount for the online account linked card through the means. It shall be.

The date and time confirmation unit 5905 checks the current date and time through a predetermined timer (not shown), and periodically compares the checked current date and time information of charging included in the card charging information stored in the storage medium 5930. By doing so, it is characterized by checking whether the charging date for the online account linked card has arrived.

If it is confirmed that the charging date has been reached, the information checking unit 5910 may check the payment means information, the charging amount information, and the online information corresponding to the charging date and time information from the card charging information stored in the storage medium 5930. Characterized in the card information for the account linked card.

Here, the payment means information, in addition to the online account linked card issued to the customer through the card issuing system shown in Figure 19, the customer (or charge amount payer, for example, the card issuing system shown in Figure 19) If a predetermined online account link card is issued to the child through the child, the parent or the like) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card; And / or a predetermined online account linked card is issued to the child through the customer (or the deposit payer, for example, the card issuance system shown in FIG. 19) in addition to the online account registered through the online account registration system shown in FIG. If so, at least one payment means information including the customer account information that is already opened to the parent of the child). It characterized in that comprises, and preferably through a payment process using the customer's payment method to the payment means correspond to a predetermined amount of information that is automatically filled in the online account associated card.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The card information for the online account link card may include a card number for the online account link card issued to the customer through the card issuing system shown in FIG. 19, and according to the intention of the person skilled in the art. The online account number associated with the card may be further included, or the customer information corresponding to the online account (or an online account linked card) may be further included.

The information checking unit 5910 may include at least one fee payer information and / or fee settlement ratio information included in the card charging information through the information registration system illustrated in FIGS. 48 and / or 53. Characterize the fee settlement information.

When the payment means information, the charge amount information and the card information for the online account linked card is confirmed, the charge amount payment unit 5615 is at least one card company server corresponding to the payment means information included in the card charge information (or And a payment processing for the charged amount through the customer payment means in connection with a financial institution server).

According to an embodiment of the present invention, when the customer payment means corresponding to the payment means information included in the card charging information includes at least one credit card, check card, prepaid card, the charge amount payment unit 5615 is It is preferable to process the payment amount in connection with the card company server corresponding to the customer payment means.

According to another exemplary embodiment of the present invention, when the customer payment means corresponding to the payment means information included in the card charging information includes at least one debit card, cash card, financial account, the charged amount payment unit 5615 It is preferable to process the payment amount in connection with the financial company server corresponding to the customer payment means.

Referring to FIG. 59, the card charging server 5900 may associate the charge amount with the online account link card when the charge amount payment process included in the card charge information is normally approved by the charge amount payment unit 5915. A card charging processing unit 5920 for depositing and recharging the online account, and charging the fee payer for the charged amount according to the charge fee settlement information, and processing the charge based on the fee settlement rate It is characterized by comprising a settlement unit (5925).

When the payment amount payment process included in the card charge information is normally approved by the payment amount payment unit 5915, the card charge processing unit 5920 is associated with the online account linked card among the payment amounts for which the payment process is approved. Check the deposit amount (or the actual recharge amount) to be deposited in the online account, and deposit the deposit amount (or the actual recharge amount) into the online account associated with the online account link card to charge the transaction.

According to an embodiment of the present invention, when the fee payer included in the card charging information is the online account linked card customer through the information registration system shown in FIG. 19, the card charging processing unit 5920 may perform the payment processing. It is preferable to process the limited amount of the charging fee from the settlement approved amount of charge as the deposit amount (or the actual amount of charge) and deposit the amount into the online account associated with the online account linked card.

Alternatively, when the fee payer included in the card charge information is the online account linked card customer through the information registration system shown in FIG. 19, the charge amount payment unit 5915 processes the payment for the charge amount. When the predetermined charging fee is previously charged to the payment amount, the card charging processing unit 5920 may process the charge amount as the deposit amount (or the actual charge amount) of the payment amount approved for the payment process. It is preferable to deposit and charge the online account associated with the online account link card.

Alternatively, the fee payer included in the card charging information is the online account linked card customer through the information registration system shown in FIG. 19, but the charge is charged to the amount deposited in the customer's online account in addition to the charged amount. In this case, the card charging processing unit 5920 may process the charged amount approved for the payment processing as the deposit amount (or the actual amount charged) and deposit the deposit amount into an online account associated with the online account linked card to perform a charge process. Do.

According to another embodiment of the present invention, when the fee payer included in the card charging information is not the online account linked card customer through the information registration system shown in FIG. 19, the card charging processing unit 5920 may perform the payment. It is preferable to process the charge amount approved for processing into the deposit amount (or the actual charge amount) and to deposit the deposit amount into the online account associated with the online account link card.

When the deposit amount (or the actual recharge amount) is confirmed as described above, the card charging processing unit 5920 is connected to the card system corresponding to the online account linked card and the financial system equipped with the online account ledger, the deposit amount ( Or an actual charge amount) is charged to the online account associated with the online account linked card.

According to the method of the present invention, in depositing and recharging the deposit amount (or the actual recharge amount) to the online account associated with the online account linked card, the card charging processing unit 5920 is previously deposited in the online account. Among the remaining balance and the charged amount, it is preferable to charge the charged amount so that the charged amount is used in the payment processing through the online account link card before the remaining amount deposited in the online account. 60 will be described in detail.

The fee settlement unit 5925 may be charged fee settlement information (or fee policy of the financial institution (or card issuer)) included in the card charge information registered through the information registration system shown in FIG. 19, or the financial institution. (Or a fee alliance between the card issuing agency) and the web server operating institution), a charging fee for the charged amount is charged to the corresponding fee payer.

According to an embodiment of the present invention, the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution), or the fee affiliation between the financial institution (or card issuing institution) and the web server operating institution). If the fee payer included is the customer, the fee settlement unit 5925 is the charge amount payment unit 5915 in the process of processing a predetermined amount of charges included in the card charge information, the charge amount is the charge amount It is desirable to impose on the payment processing.

Alternatively, the fee payer included in the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the fee affiliation between the financial institution (or card issuing institution) and the web server operator) If the customer, the fee settlement unit 5925 subtracts the charge fee from the charge amount settled by the charge amount payment unit 5915, so that the card charge processing unit 5920 is the amount of the charge fee is limited to the online It is desirable to process the deposit to the online account associated with the account link card.

Alternatively, the fee payer included in the charge fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the fee affiliation between the financial institution (or card issuing institution) and the web server operator) If the customer, the fee settlement unit 5925 is preferably charged by the card charging processing unit 5920 to charge the charging fee from the balance of the online account in which the deposit amount.

According to another exemplary embodiment of the present invention, a fee payer included in the card charging information through the information registration system shown in FIG. 19 is a merchant corresponding to the online account link card, in addition to the online account link card customer, or the In the case of including at least one financial institution (or card issuing institution), web server operating institution, etc., the fee settlement unit 5925 is the merchant account, or the financial institution (or card issuer) account, web server operating institution It is desirable to charge the charging fee from the account.

When the charging fee is charged as described above, the fee settlement unit 5925 may charge the charging fee settlement information (or the fee policy of the financial institution (or card issuing institution) or the financial institution (or card issuing institution) and the web server. According to the fee settlement rate included in the fee alliance between the institutions) some of the charging fee is settled by the financial institution (or card issuer), and the other part is settled by the web server operating institution. do.

60 is a diagram showing the relationship between the amount of money charged in the online account link card and the amount of the online account deposit according to one embodiment of the present invention.

In more detail, in FIG. 60, in the card charging server 5900 of the card charging system shown in FIG. 59, a predetermined amount of charge is charged to the online account link card through a predetermined customer payment means and the online account link card. In the case of depositing in the linked online account, the relationship between the balance already deposited in the online account and the recharge amount is shown. If a person having ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. And / or may be modified to infer various implementation methods for the relationship between the charge amount for the online account linked card and the online account balance, but the present invention includes all implementation methods inferred above, The technical features are not limited only to the illustrated embodiment.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 60 to infer an implementation method in which the charging fee is charged from the online account balance. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 60a according to an embodiment of the present invention, in the card charging server 5900 of the card charging system shown in FIG. 59, a predetermined amount of charge is charged to the online account linked card through a predetermined customer payment means. In the online account previously associated with the online account link card, 500,000 won is deposited, and a predetermined amount of 200,000 won is charged through a predetermined customer payment means in the card charging server 5900 on the card charging system shown in FIG. If the charge is deposited in the online account associated with the online account linked card, the total balance of the online account is 700,000 won as shown in Figure 60b, but the customer payment means of the 700,000 won The amount charged through 200,000 won and 500,000 won previously deposited in the online account is managed separately.

According to the method of the present invention, the card charging server 5900 on the card charging system shown in FIG. 59 charges the online account linked card with a predetermined charge amount through a predetermined customer payment means, and then the online account. It is preferable that any one of the pre-deposit amount and the recharge amount previously deposited at is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG.

According to an embodiment of the present invention, the card charging server 5900 on the card charging system shown in FIG. 59 fills the online account linked card with a predetermined amount of charge through a predetermined customer payment means, and then the online account. If the pre-deposit amount previously deposited in the above is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. 19, the payment amount through the online account linked card is set to the online account advance. It is preferable to pay the deposit first.

If the amount of 200,000 won is charged to the online account link card as shown in FIG. 60, the deposit amount is deposited to the online account in which the 500,000 won advance deposit is deposited, and then the amount of 100,000 won through the online account link card. When the payment is processed, it is preferable that the payment is made in advance from the 500,000 won previously deposited in the online account.

Alternatively, as shown in FIG. 60, after 200,000 won is charged to the online account link card and the 500,000 won advance deposit is deposited into an online account deposited thereafter, the amount of 600,000 won is charged through the online account link card. When the amount is settled, it is preferable that the settled amount is settled to 500,000 won from the 500,000 won pre-deposited in the online account, and then 100,000 won is paid from the charged amount.

According to another embodiment of the present invention, after charging a predetermined amount of money to the online account linked card through a predetermined customer payment means in the card charging server 5900 on the card charging system shown in FIG. If the amount is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. 19, it is preferable that the payment amount through the online account linked card is first processed from the charged amount. .

If the amount of 200,000 won is charged to the online account link card as shown in FIG. 60, the deposit amount is deposited to the online account in which the 500,000 won advance deposit is deposited, and then the amount of 100,000 won through the online account link card. When the payment is processed, it is preferable that the payment amount is first processed from the 200,000 won charge amount.

Alternatively, as shown in FIG. 60, after 200,000 won is charged to the online account link card and the 500,000 won advance deposit is deposited into an online account, the 300,000 won amount is charged through the online account link card. When the amount is settled, it is preferable that the settled amount is settled from 500,000 won to 100,000 won prepaid in the online account after 200,000 won is paid from the charged amount.

61 is a diagram illustrating a payment processing process for automatic charging of an online account link card according to an embodiment of the present invention.

In more detail, FIG. 61 shows card information and charging of an online account link card for automatic charging of the online account link card to the storage medium 5930 through the information registration system shown in FIGS. 48 and / or 53. When the card charge information including at least one limit amount information, charge fee settlement information, payment method information, charge amount information and charge date and time information is stored, the online card linked card based on the card charge information in the card charging system The present invention relates to a method for providing a card charge payment for automatic charging of the present invention, and those skilled in the art to which the present invention belongs, online reference linked card in the face-to-face mode by referring to and / or modified in this figure 61 It would be possible to infer various methods of payment processing for automatic charging of The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the drawing 61, the card charging server 5900 shown in the drawing 59 will be referred to as a "clothing" server.

Referring to FIG. 61, the server shown in FIG. 59 includes at least one of card information, a charge limit amount information, a charge fee settlement information, a payment means information, a charge amount information, and a charge date information for the online account linked card. In connection with the storage medium 5930 for storing the card charging information to determine whether the charging date for the on-line account linked card (6100).

If it is confirmed that the arrival date of the charge for the online account linked card (6105), the server and the payment means information corresponding to the charging date and time information from the card charging information stored in the storage medium (5930) The card charge information including the charge amount information and the card information for the online account linked card is checked (6110).

Here, the payment means information, in addition to the online account linked card issued to the customer through the card issuing system shown in Figure 19, the customer (or charge amount payer, for example, the card issuing system shown in Figure 19) If a predetermined online account link card is issued to the child through the child, the parent or the like) information of at least one or more of the previously issued credit card, check card, debit card, cash card and prepaid card; And / or a predetermined online account linked card is issued to the child through the customer (or the deposit payer, for example, the card issuance system shown in FIG. 19) in addition to the online account registered through the online account registration system shown in FIG. If so, at least one payment means information including the customer account information that is already opened to the parent of the child). It characterized in that comprises, and preferably through a payment process using the customer's payment method to the payment means correspond to a predetermined amount of information that is automatically filled in the online account associated card.

The charge amount information is an amount that is periodically charged through the customer payment means corresponding to the payment means information and automatically charged to the online account linked card, wherein the charge amount does not exceed the charge limit amount. .

The card information for the online account link card may include a card number for the online account link card issued to the customer through the card issuing system shown in FIG. 19, and according to the intention of the person skilled in the art. The online account number associated with the card may be further included, or the customer information corresponding to the online account (or an online account linked card) may be further included.

If the card charging information including the payment means information, the charge amount information and the card information for the online account linked card from the storage medium 5930 is not confirmed (6115), the server charges the card Generate payment processing history including predetermined card charging error information corresponding to the unconfirmed information (6120), and transmit and output card charging result information including the payment processing history to the terminal through the financial network (6140). ).

On the other hand, when the card charging information including the payment means information, the amount of charge information and the card information for the online account linked card arrived at the date of charge from the storage medium 5930 (6115), the server charges the card information Payment for charging the charge amount to the online account linked card through the customer payment means in connection with the card company server (or financial company server) corresponding to the payment means information through the customer payment means corresponding to the payment means information contained in The processing procedure is performed (6125).

Those skilled in the art to which the present invention pertains, since they will be familiar with the payment processing procedure for the customer payment means, a detailed description thereof will be omitted for convenience.

If the charge amount payment processing corresponding to the card charging information is not normally approved (6120), the server generates a payment processing history including predetermined card charging error information (6155), and the payment through the financial network The card charging result information including the processing history is transmitted to the terminal and output (6140).

On the other hand, if the charge amount payment processing corresponding to the card charge information is normally approved (6130), the server generates a payment processing history including the predetermined card charge approval information (6135), and the payment processing through the financial network The card charging result information including the details is transmitted to the terminal and outputted (6160).

62 is a diagram illustrating a process of settlement of a charge amount automatically charged to an online account link card according to an embodiment of the present invention.

In more detail, FIG. 62 illustrates a process of charging and settlement of a predetermined charging fee corresponding to the card charging in charging a predetermined amount of money to the online account linked card through the process shown in FIG. 61. As those skilled in the art to which the present invention pertains, various inferences regarding the process of resolving the charge amount automatically charged to the online account link card by referring to and / or modifying the drawing 62 are inferred. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, the settlement process for the charge amount shown in FIG. 62 is performed before the card charging process shown in FIG. 61, or is performed in conjunction with the card charging process during the card charging process, or the card charging process. All may be performed later, and the present invention is not limited thereby.

Hereinafter, in the drawing 62, the card charging server 5900 shown in the drawing 59 is referred to as " server " for convenience.

Referring to FIG. 62, the server charges a predetermined charging fee for the amount charged to the online account linked card before the card charging process shown in FIG. 61, during the card charging process, or after the card charging process. Check (6200).

According to an embodiment of the present invention, the charge fee amount is preferably determined according to the size of the amount charged to the online account linked card.

If a predetermined charge fee amount for the charge amount is confirmed (6205), the server checks the fee payer for the confirmed charge fee amount in association with the storage medium (5930) (6210).

According to the method of the present invention, the fee payer is a customer corresponding to the customer payment means included in the card charging process shown in FIG. 61, or is a customer who has issued the online account link card, or the online account link. A customer corresponding to the account holder of the online account associated with the card, or a merchant corresponding to the online account linked card, or at least one or more of the financial institution (or the card issuer) or the web server operator. It is preferable.

If a fee payer for the charge fee is confirmed (6215), the server charges the charge fee to the verified fee payer (6220) in association with the financial system.

According to one embodiment of the present invention, if the confirmed fee payer is a customer corresponding to the customer payment means, the server charges the charge fee in processing the predetermined charge amount included in the card charge information. It is desirable to charge the amount so that payment can be processed.

Or, if the confirmed fee payer is a customer corresponding to the customer payment means (or the online account linked card issuing customer, or an online account depositor associated with the online account linked card), the server charged the amount of payment processed By deducting the charging fee from the card charging processing unit 5920, it is preferable that the charging fee is processed to deposit the limited amount to the online account associated with the online account linked card.

Alternatively, if the confirmed fee payer is the online account linked card issuing customer (or an online account holder associated with the online account linked card), the server is online on which the charged amount is deposited by the card charging processing unit 5920. It is desirable to charge the charging fee from the balance of the account.

According to another embodiment of the present invention, the fee payer includes at least one or more affiliated stores corresponding to the online account linked card, the financial institution (or the card issuer), a web server operating institution, etc., in addition to the customer. Preferably, the server charges the charging fee from the merchant account, the financial institution (or card issuer) account, or the web server operator account.

If it is confirmed that the charging fee is normally charged (6225), the server checks the fee settlement rate for the charging fee in association with the storage medium (5930) (6230).

According to an embodiment of the present invention, the fee settlement rate preferably includes a rate settled by the financial institution (or a card issuing agency) of the charging fee and a rate settled by the web server operator.

If the fee settlement rate for the charging fee is confirmed (6235), the server is linked with the financial system to the financial institution (or card issuer) account and the web server operating institution according to the charging fee according to the fee settlement rate. The account is settled (6240).

FIG. 63 is a diagram illustrating a face-to-face refund system for refunding funds for an online account linked card according to an embodiment of the present invention.

In more detail, Figure 63 shows that a predetermined customer provides a payment refund system through a predetermined refund refund interface, and provides the customer payment method information, the refund request amount information, the refund authentication information, and the like to refund the payment for the online account linked card. When providing the charge refund request information including at least one of the card information for the online account linked card, the charge refund system and the customer payment means information and the refund request amount information included in the provided charge refund request information and Regarding a system configuration for performing a refund refund process for the online account link card using the refund authentication information and the card information for the online account link card, if you have ordinary knowledge in the technical field to which the present invention belongs, Refer to and / or modify this drawing 63 for the online account link card. Various implementation methods for the configuration of the refund refund system for the refund of the deposit may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one charge refund process for the online account linked card is performed using the charge refund request information provided from the customer through a predetermined charge refund interface on the charge refund system shown in FIG. 63. Components corresponding to the above means and / or functional configuration are referred to as " card management server 6300 " for convenience, and at least one card management server 6300 can be provided in the present FIG. It is preferable to include the account system on the financial system connected through the above-described teller terminal and a predetermined financial network, but this figure 63 shows the card management server 6300 as a ledger server between the teller terminal and the accounting system for convenience of explanation. Although shown, the present invention is not limited thereto.

Referring to FIG. 63 in accordance with an embodiment of the present invention, a refund refund system for refunding a credit card for an online account link card may include a refund request terminal including a teller terminal provided at at least one financial institution branch. 6345) and a financial network (eg, our network) to which the refund request terminal 6345 is connected, and are connected to the refund request terminal 6345 through the financial network to refund the charge for the online account linked card. A card management server 6300 for processing financial transactions and an online account ledger corresponding to an online account registered through the online account registration system in FIGS. 1 and / or 10, and / or the card issuing system shown in FIG. 19. Characterized in that it comprises a financial system provided with a card ledger corresponding to the online account linked card issued through.

The financial system that processes at least one financial transaction service in connection with the card management server 6300 may include at least one window terminal and a predetermined financial network (eg, at a branch (and / or branch) of the financial institution). It is characterized in that it is connected through the network, and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 63, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As 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 teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides a variety of repayment refund interfaces through at least one common network (eg, CD common network, financial common network), wherein the financial system comprises components within the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in FIG. 1 and / or FIG. An online account ledger corresponding to an online account registered through the online account registration system shown in FIG. 1, and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is characterized by.

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

According to the method of the present invention, the customer visits the financial institution branch for a refund of the charge for the online account linked card, and the online account through a window (or a teller) provided at the financial institution branch. Fill out a prescribed application for the refund of the payment for the linked card (e.g., a slip with a form for filling in at least one item of information for the refund of the online account linked card) and fill out the completed application. Upon submission to the cashier, the cashier enters (or selects) the customer payment method information, the refund request amount information, the refund authentication information, and the card information for the online account link card through the predetermined counter terminal. The counter terminal includes the inputted (or selected) customer payment method information, refund request amount information, and refund authentication information. And it is preferable to transmit the charge refund request information including at least one or more card information for the online account linked card to the card management server 6300 provided on the charge refund system via the financial network.

Here, the refund request terminal 6345 may include a teller terminal used by a teller staff provided at the branch of the financial institution, and the card management server 6300 connected to the teller terminal is provided on the predetermined financial system. It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the card management server 6300 includes a branch network connecting the communication channel between the teller terminal and the card management server 6300. It is preferable to make it.

In the above-mentioned repayment refund system, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the card management server 6300 are linked to the online account. Performs the function of the refund refund interface for registering the charge refund request information for the refund of the charge to the card.

The charge refund request information transmitted from the refund request terminal 6345 to the card management server 6300 for the refund of the charge for the online account linked card includes predetermined customer payment means information and refund request amount information; Characterized in that it comprises at least one or more information about the refund authentication information and the online account linked card.

* The customer payment means information is set in an online account linked card issued to the customer through the card issuing system shown in the drawing 19 in the card charging system shown in the drawing 39 and / or 43 and / or 59. In order to recharge the amount, the credit card, check card, debit card, cash card and prepaid card of which the payment was made, including at least one payment method information, or the customer account of the payment amount And at least one payment means information including information, wherein the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 through the customer payment means information. It is desirable to cancel the payment approval for the predetermined refund amount.

The refund request amount information is an amount for requesting a refund of the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59, and the drawings 39 and / or 43 and / or When requesting a refund for the total charge amount charged through the card charging system shown in FIG. 59, it may be omitted, and the present invention is not limited thereto.

The refund authentication information may include confidentiality, authentication, authentication for refund processing of the refunded amount (or cancellation of payment authorization for the refunded amount using the customer payment method) of the charged amount for the online account linked card, Information for securing the validity of at least one or more of integrity and nonrepudiation, characterized in that it comprises at least one or more various passwords, or various security information corresponding to the radical payment means.

The card information for the online account link card is a card number for the online account link card in which a predetermined amount of charge is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or FIG. 19). Card number for an online account linked card issued to the customer through the card issuing system shown in FIG. 6, and further includes the online account number associated with the online linked card according to the intention of a person skilled in the art. Or, it is preferable to further comprise customer information corresponding to the online account (or online account linked card).

The card management server 6300, which is provided on the charge refund system according to the present invention, is a generic term for the charge refund system side components connected with the refund request terminal 6345 through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the refund request terminal 6345 is a teller terminal connected to a predetermined financial network, the card management server 6300 is connected to the teller terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the exemplary embodiment of the present invention, the card management server 6300 comprises an interface unit 6305 for connecting and managing the refund request terminal 6345 and a predetermined communication channel through the financial network. do.

According to an exemplary embodiment of the present invention, when the refund request terminal 6345 is a window terminal connected to a predetermined financial network, the interface unit 6305 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) by using a communication protocol defined in a charge refund related program provided in the window terminal.

Referring to FIG. 63, the card management server 6300 may allow a predetermined refund request terminal 6345 to connect a communication channel with the card management server 6300 through the interface unit 6305, and / or the communication. When the refund request for the online account link card is requested through a channel, the refund request terminal 6345 inputs (or selects) predetermined payment refund request information in connection with the interface unit 6305 to transmit the request. And an interface providing unit 6310 which generates (or extracts) a predetermined user interface and provides the refund request terminal 6345 to the refund request terminal 6345. The user interface is included in the refund request terminal 6345. When a predetermined terminal side program is provided, the interface providing unit 6310 may be omitted.

The interface providing unit 6310 may be configured such that a predetermined refund request terminal 6345 connects a communication channel with the card management server 6300 through the interface unit 6305, and / or the online account through the communication channel. When requesting a refund of the charge for the associated card, the card management server 6300 through the financial network to input (or select) the charge refund request information corresponding to the functional configuration provided in the refund request terminal (6345). Generate a predetermined user interface that can be transmitted to the network, and / or extract it from a predetermined database (not shown), and link the generated financial interface to the financial network in conjunction with the interface unit 6305. Through the refund request terminal 6345 is characterized in that it provides.

According to an embodiment of the present invention, when the refund request terminal 6345 is a teller terminal connected to a predetermined financial network, the interface providing unit 6310 may be provided as a charge refund related program provided in the teller terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated user interface to the window terminal through the interface unit 6305.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the charge refund request information to the refund request terminal 6345 and transmitting it to the card management server 6300 through the financial network is provided. When the predetermined terminal-side program is provided, the interface providing unit 6310 which provides the user interface to the refund request terminal 6345 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) payment refund request information including at least one of payment method information, refund request amount information, refund authentication information, and card information for an online account linked card. It is preferable to include an interface function to transmit to the card management server 6300.

Referring to FIG. 63, the card management server 6300 receives customer payment means information, refund request amount information, refund authentication information, and card information for an online account link card from the refund request terminal 6345 through the user interface. When inputting (or selecting) payment refund request information including at least one or more information, the interface unit 6305 may be linked with the customer payment method information, the refund request amount information, the refund authentication information, and the online account link card. An information receiving unit 6315 receiving the charge refund request information including at least one card information, the customer payment means information, the refund request amount information and the refund authentication information included in the received charge refund request information; And a validity verification unit 6325 for verifying the validity of the card information for the online account linked card. It is characterized by falling.

The refund request terminal 6345 may input charge refund request information including at least one of the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account linked card through the user interface ( Or) to transmit to the card management server 6300 through the financial network.

The information receiving unit 6315 may include at least one or more payment information including a customer payment method information, a refund request amount information, a refund authentication information, and card information for an online account link card through the user interface at the refund request terminal 6345. When the refund request information is input (or selected) and transmitted through the financial network, the charge refund request information is received in association with the interface unit 6305, and the received charge refund request information is received. The validation check unit 6325 is provided.

The customer payment means information is a predetermined amount in the online account linked card issued to the customer through the card issuing system shown in FIG. 19 in the card charging system shown in FIGS. 39 and / or 43 and / or 59. In order to charge the credit card, check card, debit card, cash card and prepaid card, the payment amount of the charge is made, including at least one or more payment means information, or the customer account information of the payment amount Characterized in that it comprises at least one or more payment means information, including a predetermined amount of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 through the customer payment means information It is desirable to cancel the payment authorization for the refund amount.

The refund request amount information is an amount for requesting a refund of the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59, and the drawings 39 and / or 43 and / or When requesting a refund for the total charge amount charged through the card charging system shown in FIG. 59, it may be omitted, and the present invention is not limited thereto.

The refund authentication information may include confidentiality, authentication, authentication for refund processing of the refunded amount (or cancellation of payment authorization for the refunded amount using the customer payment method) of the charged amount for the online account linked card, Information for securing the validity of at least one or more of integrity and nonrepudiation, characterized in that it comprises at least one or more various passwords, or various security information corresponding to the radical payment means.

The card information for the online account link card is a card number for the online account link card in which a predetermined amount of charge is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or FIG. 19). Card number for an online account linked card issued to the customer through the card issuing system shown in FIG. 6, and further includes the online account number associated with the online linked card according to the intention of a person skilled in the art. Or, it is preferable to further comprise customer information corresponding to the online account (or online account linked card).

The validity confirming unit 6325 is configured to check whether the charge refund request information received from the refund request terminal 6345 satisfies the validity of the refund for the online account linked card.

According to an embodiment of the present invention, the validity of the charge refund request information may be determined in accordance with the payment method information included in the charge refund request information in connection with the financial system. Alternatively, it is preferable to include checking the details charged with the online account linked card shown in FIG. 19 through the card charging system shown in FIGS. 43 and / or 59.

In addition, the validity check of the charge refund request information is that when the charge refund request information includes a predetermined refund request amount, the refund request amount is shown in FIGS. 39 and / or 43 and / or 59. It is preferable to include whether the amount is greater than the amount charged through the card charging system, and if the refund request amount is less than or equal to the charge amount is processed as the validity of the charge refund request information is confirmed.

In addition, the verification of the validity of the chargeback request information is the customer payment means included in the chargeback request information through various passwords and / or various security information corresponding to the refund authentication information included in the chargeback request information It is preferable to include checking whether the cancellation of payment approval for information is possible.

For example, when various passwords and / or various security information corresponding to the refund authentication information are provided in the financial system, various passwords and / or various security information corresponding to the refund authentication information included in the refund refund request information are provided. It is preferable to compare the various passwords and / or various security information provided in the financial system with each other.

Alternatively, when various passwords and / or various security information corresponding to the refund authentication information are provided in the card company server 6350 (or the financial company server 6255) corresponding to the customer payment means information, the charge refund request information Compare and verify various passwords and / or various security information corresponding to the refund authentication information included in the card company server 6350 and / or various security information provided in the card company server 6350 (or financial company server 6355). It is desirable to.

According to an exemplary embodiment of the present invention, the refund request amount may be omitted in the charge refund request information, or the refund request amount may be set through the card charging system shown in FIGS. 39 and / or 43 and / or 59. When the amount of money charged to the online account link card is the same, referring to FIG. 63, the card management server 6300 is authenticated by the validity verification unit 6325 to verify the validity of the charge refund request information. And the online account ledger corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10, and / or the online account linked card issued through the card issuing system shown in FIG. 39 and / or FIG. 39 using a customer payment means included in the charge refund request information in connection with a financial system equipped with a credit card ledger. 43 and / or a refund amount confirmation unit 6330 for checking the refundable amount of the amount charged through the card charging system shown in FIG. 59; and if the refundable amount is confirmed, the refundable amount in connection with the financial system. A refund processing unit 6335 for deducting from the online account link card (or an online account associated with the online account link card), and the refund processing amount refunded by the refund processing unit 6535. To the payment authorization cancellation amount, and in connection with the card company server 6350 (or the financial company server 6355) corresponding to the customer payment means information included in the charge refund request information payment authorization for the payment authorization cancellation amount It is characterized in that it comprises a payment approval cancellation unit 6340 to perform the cancellation procedure.

When the validity of the charge refund request information is verified by the validity confirming unit 6325, the refund amount confirming unit 6330 is an online account registered through the online account registration system in FIGS. 1 and / or 10. A customer included in the recharge refund request information in connection with a financial system equipped with an online account ledger corresponding to the bank account and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is characterized by checking the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 using a payment means.

According to an exemplary embodiment of the present invention, the amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is set as the first payment amount, and thus the online account. When payment is made using a linked card, it is used to process the payment preferentially over the amount previously deposited in the online account associated with the online account linked card.

According to another exemplary embodiment of the present invention, the pre-deposit amount previously deposited in the online account linked to the online account link card is set as a first payment amount, and when the payment is made using the online account link card, It is characterized in that it is used primarily for payment processing.

Therefore, when the amount charged through the card charging system shown in Figure 39 and / 43 and / or 59 using the customer payment means included in the charge refund request information is confirmed, the refund amount confirmation unit 6330 is a predetermined amount of the refundable amount of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59.

After the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 according to one embodiment of the present invention, the refund of the charge is requested. If payment through the online account link card has not occurred before, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 may be used online with the online account link card. In this case, the refund amount checking unit 6330 checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount. It is preferable.

According to another embodiment of the present invention, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the refund of the charge is requested. If the payment through the online account link card has occurred at least once before, some amount (or the total amount of money charged) through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is shown. ) May have already been used for payment through the online account link card, in which case the refund amount confirmation unit 6330 is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. Linked to the online account by comparing the amount settled with the payment amount generated through the online account link card until the refund of the deposit is requested. The online account associated with de through the charge card system shown in the figure 39 and / or figures 43 and / or the figure 59 it is desirable to ensure that some of the presence of the charged amount.

For example, the refund amount checking unit 6330 may be charged after the online account link card is charged from the amount charged with the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the amount paid through the online account link card, if the deduction is greater than '0', the remaining deduction is confirmed as the refundable amount, and if the deduction is less than or equal to '0', the refund is made. It is desirable to confirm that the target amount does not exist.

When the predetermined amount of the refundable object is confirmed as a result of the confirmation of the refund amount confirming unit 6330, the refund processing unit 6335 is online corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10. The refundable amount is converted into the online account linked card (or the online account) in association with a financial system equipped with an account ledger and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. Online account associated with the account link card) is deducted from the refund in advance.

According to the exemplary embodiment of the present invention, the refund processing unit 6335 may refund the refunded amount by processing the refunded amount withdrawn from the online account associated with the online account linked card.

When the refundable amount is processed by the refund processing unit 6335 in the online account associated with the online account linked card, the payment approval canceling unit 6340 is refunded by the refund processing unit 6535. Characterized in that the processing amount as the payment approval cancellation amount for the customer payment means included in the charge refund request information.

Thereafter, the payment approval canceling unit 6340 is connected to the card company server 6350 (or financial company server 6355) corresponding to the customer payment means information included in the charge refund request information for the payment approval cancellation amount It is characterized by performing a payment approval cancellation procedure.

According to an exemplary embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged with the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If the same, the payment approval canceling unit 6340 is shown in Figure 39 and / or 43 and / or 59 in conjunction with the card company server (6350) (or financial company server (6355)) corresponding to the customer payment means information. It is preferable to cancel the payment approval details of the payment process for charging the charge amount to the online account linked card through the card charging system.

According to another embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If smaller, the payment approval canceling unit 6340 may be connected to the card company server 6350 (or the financial company server 6355) corresponding to the customer payment means information. Cancel the payment authorization details that have been settled to charge the online account linked card through the card charging system as shown in the figure, and the payment authorization cancellation amount (or refund processing amount or refundable amount) from the charge amount. After deducting), in connection with the card company server 6350 (or the financial company server 6355), it is preferable to request a payment approval for the deducted amount and approve payment. Rebill group approved amount is treated as a non-refundable amount.

According to another embodiment of the present invention, the charge refund request information includes the refund request amount, or the refund request amount is the card charging system shown in FIGS. 39 and / or 43 and / or 59. In the case of smaller than the amount charged in the online account linked card through, referring to Figure 63, the card management server 6300 is the validity of the refund refund request information by the validity verification unit 6325 Once authenticated, the online account ledger corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10 and / or the online account linked card issued through the card issuing system shown in FIG. 39 and / or by using a customer payment means included in the charge refund request information in connection with a financial system equipped with a corresponding card ledger. A refund amount confirmation unit 6330 confirms a refundable amount corresponding to the refund request amount among the amounts charged through the card charging system shown in FIGS. 43 and / or 59; A refund processing unit 6235 and a refund processing unit 6535 for processing a refund by first subtracting the refundable amount from the online account link card (or an online account linked with the online account link card) in association with the system; The refund processing amount refunded is processed as a payment authorization cancellation amount, and the payment is made in connection with the card company server 6350 (or the financial company server 6255) corresponding to the customer payment means information included in the charge refund request information. It is characterized in that it comprises a payment approval cancellation unit 6340 to perform the payment approval cancellation procedure for the amount of the approval cancellation.

When the validity of the charge refund request information is verified by the validity confirming unit 6325, the refund amount confirming unit 6330 is an online account registered through the online account registration system in FIGS. 1 and / or 10. A customer included in the recharge refund request information in connection with a financial system equipped with an online account ledger corresponding to the bank account and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is characterized by checking the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 using a payment means.

According to an exemplary embodiment of the present invention, the amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is set as the first payment amount, and thus the online account. When payment is made using a linked card, the payment is prioritized over the amount previously deposited in the online account associated with the online account linked card.

According to another exemplary embodiment of the present invention, the pre-deposit amount previously deposited in the online account linked to the online account link card is set as a first payment amount, and when the payment is made using the online account link card, It is characterized in that it is used primarily for payment processing.

Therefore, when the amount charged through the card charging system shown in Figure 39 and / 43 and / or 59 using the customer payment means included in the charge refund request information is confirmed, the refund amount confirmation unit 6330 is a predetermined amount of the refundable amount of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59.

After the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 according to one embodiment of the present invention, the refund of the charge is requested. If payment through the online account link card has not occurred before, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 may be used online with the online account link card. In this case, the refund amount checking unit 6330 checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount. It is preferable.

According to another embodiment of the present invention, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the refund of the charge is requested. If the payment through the online account link card has occurred at least once before, some amount (or the total amount of money charged) through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is shown. ) May have already been used for payment through the online account link card, in which case the refund amount confirmation unit 6330 is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. Linked to the online account by comparing the amount settled with the payment amount generated through the online account link card until the refund of the deposit is requested. The online account associated with de through the charge card system shown in the figure 39 and / or figures 43 and / or the figure 59 it is desirable to ensure that some of the presence of the charged amount.

For example, the refund amount checking unit 6330 may be charged after the online account link card is charged from the amount charged with the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the amount paid through the online account link card, if the deduction is greater than '0', the remaining deducted amount is confirmed as the refundable amount, and if the deduction is less than or equal to '0', the refundable object It is desirable to confirm that the amount does not exist.

Thereafter, the refund amount checking unit 6330 checks whether the refund request amount is less than or equal to the refundable amount by comparing the refundable amount and the refund request amount.

If the refund request amount is less than or equal to the refundable amount, the refund amount checking unit 6330 processes the refund request amount as the refundable amount.

On the other hand, if the refund request amount is larger than the refundable amount, the refund amount checking unit 6330 uses the confirmed refundable amount as it is.

When the predetermined amount of the refundable object is confirmed as a result of the confirmation of the refund amount confirming unit 6330, the refund processing unit 6335 is online corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10. The refundable amount is converted into the online account linked card (or the online account) in association with a financial system equipped with an account ledger and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. Online account associated with the account link card) is deducted from the refund in advance.

According to the exemplary embodiment of the present invention, the refund processing unit 6335 may refund the processing amount of the refund as being withdrawn from the online account associated with the online account linked card.

When the refundable amount is processed by the refund processing unit 6335 in the online account associated with the online account linked card, the payment approval canceling unit 6340 is refunded by the refund processing unit 6535. Characterized in that the processing amount as the payment approval cancellation amount for the customer payment means included in the charge refund request information.

Thereafter, the payment approval canceling unit 6340 is connected to the card company server 6350 (or financial company server 6355) corresponding to the customer payment means information included in the charge refund request information for the payment approval cancellation amount It is characterized by performing a payment approval cancellation procedure.

According to an exemplary embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged with the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If the same, the payment approval canceling unit 6340 is shown in Figure 39 and / or 43 and / or 59 in conjunction with the card company server (6350) (or financial company server (6355)) corresponding to the customer payment means information. It is preferable to cancel the payment approval details of the payment process for charging the charge amount to the online account linked card through the card charging system.

According to another embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If smaller, the payment approval canceling unit 6340 may be connected to the card company server 6350 (or the financial company server 6355) corresponding to the customer payment means information. Cancel the payment authorization details that have been settled to charge the online account linked card through the card charging system as shown in the figure, and the payment authorization cancellation amount (or refund processing amount or refundable amount) from the charge amount. After deducting), in connection with the card company server 6350 (or the financial company server 6255), it is preferable to request a payment approval for the deducted amount and approve the payment. The approved amount will be treated as a non-refundable amount.

64 is a diagram showing a refundable amount of money charged in an online account link card according to an embodiment of the present invention.

In more detail, FIG. 64 illustrates a refundable amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. 39 and / or after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 43 and / or 59, the charge is issued through the card issuing system shown in FIG. If the preferred payment amount for the online account linked card is set, the refundable amount corresponding to the preferred payment amount is illustrated.

One of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 64 to infer various implementation methods for the refundable amount of the charged amount for the online account linked card. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs to the present invention, the pre-deposit amount previously deposited in the online account is issued through the card issuing system shown in FIG. When the preferred payment amount for the online account linked card is set, various implementation methods for the refundable amount corresponding to the preferred payment amount (for example, the payment amount for the online account linked card is paid from the online account prepaid amount) However, the present invention can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

According to an embodiment of the present invention, before the predetermined amount is charged to the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, In the online account, a predetermined prepayment amount is deposited as shown in FIGS. 40 and / or 44 and / or 60, and the card charging system shown in FIGS. 39 and / or 43 and / or 59 When a predetermined amount is charged in the online account link card through the above, the charged amount is deposited in the online account as shown in FIG. 64A, and the charged amount and the online account advance amount are separately managed.

According to an embodiment of the present invention, a predetermined amount of charge is transferred to the online account linked card through a predetermined customer payment means in a card charging server on the card charging system shown in FIGS. 39 and / or 43 and / or 59. After the charging, one of the pre-deposit amount and the recharge amount previously deposited in the online account is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. desirable.

64A shows that the amount of money is not used for payment by using the online account link card before refunding the amount charged to the online account link card through the charge refund system shown in FIG. As shown in FIG. 64A, the customer adds the card to the online account linked card associated with the online account in which 500,000 won is already deposited through the card charging system shown in FIGS. 39 and / or 43 and / or 59. When 200,000 won is charged through a payment method, the 200,000 won is processed as a refundable amount.

64b shows that a portion of the amount of money is used for payment using the online account link card before refunding the amount charged to the online account link card through the charge refund system shown in FIG. For example, if 100,000 won of the charge is used for payment through the online account linked card in the same state as in Fig. 64a, the refundable amount is shown in Figs. 39 and / or 43 and / or 59. Of the 200,000 won charged card charging system is 100,000 won except the 100,000 used for payment.

64C and 64D show that all the amount of money used for payment is made by using the online account link card before refunding the amount charged to the online account link card through the charge refund system shown in FIG. As shown in FIG. 64A and / or 64B, when all 200,000 won of the recharge amount is used for payment through the online account link card, the refundable amount does not exist.

65 is a view showing a process for refunding a charge for an online account linked card in a face-to-face manner according to an embodiment of the present invention.

In more detail, in Fig. 65, in the case where the card management server 6300 on the money refund system shown in Fig. 63 has a ledger server function on the banking system associated with the teller terminal through a predetermined banking network, After the counter terminal connects to the card management server 6300 and connects a communication channel for refunding the charge, the customer payment means information and the refund request amount information to the card management server 6300 through the communication channel. And the payment refund request information including the refund authentication information and the card information for the online account linked card, the customer payment means information included in the received payment refund request information from the card management server 6300; Refund the charge for the online account link card using the refund request amount information, the refund verification information, and the card information for the online account link card. A method of carrying out the processing, which is a person of ordinary skill in the art to which the present invention pertains, referencing and / or modifying the drawing 65 to refund the charge for the online account linked card in the face-to-face manner. Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following Figure 65, the window terminal shown in Figure 63 is referred to as "terminal" for convenience, and the card management server 6300 shown in Figure 63 is referred to as "server" for convenience.

Referring to FIG. 65, the terminal shown in FIG. 63 connects a communication channel for refunding at least one charge with the server through the financial network, and the customer for refund of the charge for the online account link card. In operation 6500, a user interface for inputting (or selecting) payment refund request information including at least one of payment method information, refund request amount information, refund authentication information, and card information about the online account linked card is output.

Subsequently, a predetermined application (for example, a refund of the charge for the online account linked card) includes at least one of the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account linked card from the customer. A slip having a form for filling in at least one information item for the present invention) is completed and submitted, the terminal receives the customer payment means information, the refund request amount information and the refund authentication information included in the application through the user interface. And input (or select) charge refund request information including at least one card information on an online account linked card (6505), and request the customer payment method information and a refund through a financial network connecting the terminal and the server. Write down the amount information, the refund verification information, and the card information for the online account link card. Also it transmits a charge cracked refund request information including at least one in the server (6515).

Here, the customer payment means information in the card charging system shown in Figure 39 and / or 43 and / or Figure 59 to the online account linked card issued to the customer through the card issuing system shown in Figure 19 In order to charge a predetermined amount, the credit card, check card, debit card, cash card and prepaid card of which the payment is made is included, or the payment is made. And at least one payment means information including customer account information, and is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 through the customer payment means information. It is preferable to cancel the payment approval for a predetermined refund amount among the amounts.

The refund request amount information is an amount for requesting a refund of the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59, and the drawings 39 and / or 43 and / or When requesting a refund for the total charge amount charged through the card charging system shown in FIG. 59, it may be omitted, and the present invention is not limited thereto.

The refund authentication information may include confidentiality, authentication, authentication for refund processing of the refunded amount (or cancellation of payment authorization for the refunded amount using the customer payment method) of the charged amount for the online account linked card, Information for securing the validity of at least one or more of integrity (Integrity) and non-repudiation (Nonrepudiation), characterized in that it comprises at least one or more various passwords, or various security information corresponding to the radical payment means.

The card information for the online account link card is a card number for the online account link card in which a predetermined amount of charge is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or FIG. 19). Card number for an online account linked card issued to the customer through the card issuing system shown in FIG. 6, and further includes the online account number associated with the online linked card according to the intention of a person skilled in the art. Or, it is preferable to further comprise customer information corresponding to the online account (or online account linked card).

Thereafter, the server receives and reads the charge refund request information including at least one of the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account linked card through the financial network. The validity of the refund request information is checked (6520).

According to an embodiment of the present invention, the validity of the charge refund request information may be determined in accordance with the payment method information included in the charge refund request information in connection with the financial system. Alternatively, it is preferable to include checking the details charged with the online account linked card shown in FIG. 19 through the card charging system shown in FIGS. 43 and / or 59.

In addition, the validity check of the charge refund request information is that when the charge refund request information includes a predetermined refund request amount, the refund request amount is shown in FIGS. 39 and / or 43 and / or 59. It is preferable to include whether the amount is greater than the amount charged through the card charging system, and if the refund request amount is less than or equal to the charge amount is processed as the validity of the charge refund request information is confirmed.

In addition, the verification of the validity of the chargeback request information is the customer payment means included in the chargeback request information through various passwords and / or various security information corresponding to the refund authentication information included in the chargeback request information It is preferable to include checking whether the cancellation of payment approval for information is possible.

For example, when various passwords and / or various security information corresponding to the refund authentication information are provided in the financial system, various passwords and / or various security information corresponding to the refund authentication information included in the refund refund request information are provided. It is preferable to compare the various passwords and / or various security information provided in the financial system with each other.

Alternatively, when various passwords and / or various security information corresponding to the refund authentication information are provided in the card company server 6350 (or the financial company server 6255) corresponding to the customer payment means information, the charge refund request information Compare and verify various passwords and / or various security information corresponding to the refund authentication information included in the card company server 6350 and / or various security information provided in the card company server 6350 (or financial company server 6355). It is desirable to.

If the validity of the charge refund request information is not verified (6525), the server generates a charge refund processing history including predetermined charge refund error information corresponding to the validity error information (6530), Through the financial network, the charge refund result information including the charge refund processing history is transmitted to the terminal and output (6535).

On the other hand, if the validity of the charge refund request information is authenticated (6525), the server is an online account ledger corresponding to an online account registered through the online account registration system in Figures 1 and / or 10, and / or the 39 and / or by using a customer payment means included in the refund request information in connection with a financial system equipped with a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. A refundable amount of the amount charged through the card charging system shown in FIGS. 43 and / or 59 is checked (6540).

According to an embodiment of the present invention, the server uses the customer payment means included in the charge refund request information in association with a financial system to charge the card shown in FIGS. 39 and / or 43 and / or 59. It is desirable to check the amount charged through.

According to an exemplary embodiment of the present invention, the amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is set as the first payment amount, and thus the online account. When payment is made using a linked card, the payment is prioritized over the amount previously deposited in the online account associated with the online account linked card, wherein the server may be configured as shown in FIGS. 39 and / or 43 and / or 59. It is preferable to check a predetermined amount which is not used for the payment settlement among the amounts charged through the card charging system shown in the refundable amount.

In the method, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the online account is not required until the refund is requested. If payment through the linked card has not occurred, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is deposited in the online account associated with the online account linked card as it is. In this case, the server preferably checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount.

Alternatively, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 in the above method, until the refund of the payment is requested. If payment through the online account link card has occurred at least once, some of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or the total amount charged) is Since the server may have already been used for payment via an online account link card, in this case the server may request a refund of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. The online account associated with the online account link card by comparing the payment amount generated through the online account link card until Through the figures 39 and / or figures 43 and / or the charge card system shown in figure 59 it is desirable to ensure that some of the presence of the charged amount.

For example, the server uses the online account link card after charging the online account link card at an amount charged to the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the payment amount, if the deduction amount is greater than '0', the remaining deduction amount is confirmed as the refundable amount. If the deduction amount is less than or equal to '0', the refundable amount does not exist. It is desirable to confirm.

According to another exemplary embodiment of the present invention, the pre-deposit amount of the online account is set as a preferred payment amount, and is shown in FIGS. 39 and / or 43 and / or 59 when payment is made using the online account linked card. It is used for payment processing in preference to the amount charged through the card charging system, wherein the server is the payment of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 It is preferable to check the predetermined amount not used for payment as the refundable amount.

In the method, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the online account is not required until the refund is requested. If payment through the linked card has not occurred, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is deposited in the online account associated with the online account linked card as it is. In this case, the server preferably checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount.

Alternatively, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 in the above method, until the refund of the payment is requested. If payment through the online account link card has occurred at least once, some of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or the total amount charged) is Since the prepayment amount of the online account may already be used for payment through the online account link card,

In this case, the server associates with the online account link card until the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is requested after the payment is refunded. A portion of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is present in the online account associated with the online account link card by comparing the total balance remaining in the online account. It is advisable to check.

For example, after the online account link card is charged, the server checks the amount of money remaining in the online account associated with the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the amount charged to the account link card, if the deduction is greater than or equal to '0', the charge amount is confirmed as the refundable amount. If the deduction is less than '0', the balance of the online account is reduced. It is preferable to confirm with the refundable amount, and to confirm that the refundable amount does not exist if the absolute value of the deduction is equal to the charged amount (for example, if there is no online account balance).

If there is no predetermined refundable amount (for example, the amount charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is all online (6545), the server generates a charge refund processing history including a predetermined charge refund error information corresponding to the refundable amount error information (6530), and the financial Through the network, the charge refund result information including the charge refund processing history is transmitted to the terminal and output (6535).

If the predetermined amount of the refundable object is confirmed as a result of the verification (for example, the payment amount of the amount charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is used for payment). If the amount is not confirmed) (6545), the server processes the refund by deducting the refundable amount from the online account associated with the online account link card in association with the financial system (6550).

According to the method of the present invention, the server preferably refunds by processing the refunded amount as being withdrawn from the online account associated with the online account linked card.

If the refund processing for the refundable amount is confirmed (6555), the server processes the refund processing amount as the payment authorization cancellation amount for the amount charged to the online account linked card (6560), the charge refund In connection with the card company server 6350 (or the financial company server 6355) corresponding to the customer payment means information included in the request information, a payment approval cancellation procedure for the payment approval cancellation amount is performed (6565).

According to an exemplary embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged with the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If the same, the server is linked to the card company server 6350 (or financial company server 6355) corresponding to the customer payment means information through the card charging system shown in Figure 39 and / or 43 and / or 59 It is preferable to cancel the payment approval details of the payment process for charging the charge amount in the online account linked card.

According to another embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If smaller, the server charges the card shown in FIGS. 39 and / or 43 and / or 59 in association with the card company server 6350 (or the financial company server 6355) corresponding to the customer payment means information. After canceling the payment approval history for payment of the charge amount to the online account linked card through the system, and subtracted the payment authorization cancellation amount (or refund processing amount or refundable amount) from the charge amount. In connection with the card company server 6350 (or the financial company server 6355), it is preferable to request and approve the payment for the deducted amount. The amount is treated as a non-refundable amount.

If the payment approval cancellation of the payment approval cancellation amount is confirmed (6570), the server generates a payment refund processing history including payment refund approval information corresponding to the payment refund result (6575). Through the financial network, the charge refund result information including the charge refund processing history is transmitted to the terminal and output (6580).

66 is a diagram illustrating a non-face-to-face payment refund system for refunding payments for an online account linked card according to another embodiment of the present invention.

In more detail, in Figure 66, a predetermined customer provides a payment refund system through a predetermined payment refund interface for refunding the payment for the online account linked card. When providing the charge refund request information including at least one card information for the online account associated card, the customer refund means information and the refund request amount information included in the provided charge refund request information in the charge refund system And a system for performing a refund refund process for the online account link card using the refund authentication information and the card information for the online account link card, and a person having ordinary knowledge in the technical field to which the present invention belongs. Refer to and / or modify this drawing 66 to provide an online account link card. Would be able to infer a variety of exemplary methods for the charging gold refund system for a charged gold refund, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 66.

Hereinafter, at least one of performing a refund refund process for the online account linked card using the charge refund request information provided from the customer through a predetermined charge refund interface on the charge refund system shown in FIG. 66. Components corresponding to the above means and / or functional configuration are referred to as " card management server 6600 " for convenience, and the card management server 6600 in FIG. It is preferable to include all types of non-face-to-face banking servers including at least one of a banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 66 in accordance with an embodiment of the present invention, a payment refund system for refunding payments to the online account-linked card may include a client including at least one wired terminal and / or a wireless terminal used by a customer. A refund request terminal 6645 including at least one terminal, a network means corresponding to a wired communication network and / or a wireless communication network to which the refund request terminal 6645 is connected, and the refund request terminal through the network means ( 6645) and a card management server 6600 for processing a financial transaction for the refund of the charge for the online account linked card and an online account registered through the online account registration system in FIGS. 1 and / or 10. To an online account linked card issued through an online account ledger, and / or a card issuing system shown in FIG. It characterized in that the response comprises a financial system provided with a card that ledger.

The financial system that processes at least one financial transaction service in connection with the card management server 6600 may include at least one window terminal and a predetermined financial network (eg, a branch of the financial institution). It is characterized in that it is connected through the network, and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

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

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

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 66, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides a variety of repayment refund interfaces through at least one common network (eg, CD common network, financial common network), wherein the financial system comprises components within the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in FIG. 1 and / or FIG. An online account ledger corresponding to an online account registered through the online account registration system shown on page 1, and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. Characterized in that made.

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

According to an embodiment of the present invention, the customer accesses the card management server 6600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the user inputs (or selects) the payment refund request information for the refund of the payment for the online account linked card through at least one user interface provided by the card management server 6600, the client terminal may set a predetermined network. It is preferable to transmit to the card management server 6600 provided on the payment refund system through the means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

Also, the card management server 6600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the card management server 6600 may be based on the CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the card management server 6600, and inputs and / or selects at least one or more information through the user interface to the card management server 6600. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card management server 6600, etc.) is provided.

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

In the above charge refund system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the card management server 6600. And / or the wireless communication network performs a function of a charge refund interface for the customer to register charge refund request information for refund of the charge for the online account linked card.

According to another exemplary embodiment of the present invention, the refund request terminal 6645 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above charge refund system, when the refund request terminal 6645 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the card management The financial network connecting the server 6600 performs a function of a charge refund interface for the customer to register the charge refund request information for the refund of the charge for the online account linked card, and / or the refund request When the terminal 6645 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card management server 6600 may be used. Perform a function of a refund refund interface for a customer to register refund refund request information for a refund of the online account linked card, and / or the exchange In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the request terminal 6645, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the card management server 6600 performs a function of a charge refund interface for the customer to register the charge refund request information for the refund of the charge for the online account linked card Do.

The card management server 6600, which is provided on the charge refund system according to the present invention, is a generic term for the charge refund system side components connected to the refund request terminal 6645 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the refund request terminal 6645 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the card management server 6600. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the card management server 6600 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the card management server 6600 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the card management server 6600 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The charge refund request information transmitted from the refund request terminal 6645 for the refund of the charge for the online account linked card to the card management server 6600 may include predetermined customer payment means information and refund request amount information; Characterized in that it comprises at least one or more information about the refund authentication information and the online account linked card.

The customer payment means information is a predetermined amount in the online account linked card issued to the customer through the card issuing system shown in FIG. 19 in the card charging system shown in FIGS. 39 and / or 43 and / or 59. In order to charge the credit card, check card, debit card, cash card and prepaid card, the payment amount of the charge is made, including at least one or more payment means information, or the customer account information of the payment amount Characterized in that it comprises at least one or more payment means information, including a predetermined amount of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 through the customer payment means information It is desirable to cancel the payment authorization for the refund amount.

The refund request amount information is an amount for requesting a refund of the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59, and the drawings 39 and / or 43 and / or When requesting a refund for the total charge amount charged through the card charging system shown in FIG. 59, it may be omitted, and the present invention is not limited thereto.

The refund authentication information is a confidentiality and authentication for the refund processing (or cancellation of the approval of the refund amount using the customer payment method) of the refund amount of the credit card for the online account linked card (Authentication) , Information to ensure the validity of at least one or more of integrity and nonrepudiation, characterized in that it comprises at least one or more of various passwords or various security information corresponding to the radical payment means.

The card information for the online account link card is a card number for the online account link card in which a predetermined amount of charge is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or FIG. 19). Card number for an online account linked card issued to the customer through the card issuing system shown in FIG. 6, and further includes the online account number associated with the online linked card according to the intention of a person skilled in the art. Or, it is preferable to further comprise customer information corresponding to the online account (or online account linked card).

According to the exemplary embodiment of the present invention, the card management server 6600 comprises an interface unit 6605 for connecting and managing the refund request terminal 6645 and a predetermined communication channel through the network means. do.

According to an exemplary embodiment of the present invention, when the refund request terminal 6645 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 6605 may be used. Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 6605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the card management server 6600, the interface unit 6605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a financial automatic device connected to a predetermined financial network, the interface unit 6605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a payment refund related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 6605 may include a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 6605 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the card management server 6600, the interface unit 6605 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 6605 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 6605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 6605 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 66, the card management server 6600 may allow a predetermined refund request terminal 6645 to connect a communication channel with the card management server 6600 through the interface unit 6605, and / or the communication. When the refund request for the online account link card is requested through a channel, the refund request terminal 6645 inputs (or selects) predetermined payment refund request information in connection with the interface unit 6605 and transmits it. And an interface providing unit 6610 which generates (or extracts) a predetermined user interface and provides the refund request terminal 6645 to the refund request terminal 6645. The user interface is included in the refund request terminal 6645. When a predetermined terminal side program is provided, the interface providing unit 6610 may be omitted.

The interface providing unit 6610 is provided in the refund request terminal 6645 after a predetermined refund request terminal 6645 connects a communication channel with the card management server 6600 through the interface unit 6605. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the charge refund request information and transmitting it to the card management server 6600 through the network means, and / or a predetermined database ( And extract the generated (or extracted) user interface in cooperation with the interface unit 6605 to the refund request terminal 6645 via the network means.

According to an embodiment of the present invention, when the refund request terminal 6645 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 6610. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 6605, the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a financial automation device connected to a predetermined financial network, the interface providing unit 6610 may provide a refund program related to the payment provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 6605.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 6610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 6605.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 6610 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 6605 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the refund request terminal 6645 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 6610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 6605. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the charge refund request information to the refund request terminal 6645 and transmitting the information to the card management server 6600 through the network means is provided. When the predetermined terminal-side program is provided, the interface providing unit 6610 that provides the user interface to the refund request terminal 6645 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) payment refund request information including at least one of payment method information, refund request amount information, refund authentication information, and card information for an online account linked card. It is preferable to include an interface function to transmit to the card management server 6600.

Referring to FIG. 66, the card management server 6600 may store the customer payment means information, the refund request amount information, the refund authentication information, and the card information of the online account link card through the user interface at the refund request terminal 6645. When inputting (or selecting) at least one charge refund request information including at least one request, the interface unit 6605 interoperates with the interface unit 6605 for the customer payment method information, the refund request amount information, the refund authentication information, and the online account link card. An information receiving unit 6615 which receives the charge refund request information including at least one card information, the customer payment means information, the refund request amount information and the refund authentication information included in the received charge refund request information; And a validity verification unit 6625 for verifying the validity of the card information for the online account linked card. It is characterized by falling.

The refund request terminal 6645 inputs payment refund request information including at least one of the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account linked card through the user interface ( Or) to transmit to the card management server 6600 via the network means.

The information receiving unit 6615 may include, at the refund request terminal 6645, at least one of payment method information, refund request amount information, refund authentication information, and card information for an online account link card through the user interface. When the refund request information is input (or selected) and transmitted through the network means, the charge refund request information is received in association with the interface unit 6605, and the received charge refund request information is received. The validation check unit 6625 is provided.

The customer payment means information is a predetermined amount in the online account linked card issued to the customer through the card issuing system shown in FIG. 19 in the card charging system shown in FIGS. 39 and / or 43 and / or 59. In order to charge the credit card, check card, debit card, cash card and prepaid card, the payment amount of the charge is made, including at least one or more payment means information, or the customer account information of the payment amount Characterized in that it comprises at least one or more payment means information, including a predetermined amount of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 through the customer payment means information It is desirable to cancel the payment authorization for the refund amount.

The refund request amount information is an amount for requesting a refund of the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59, and the drawings 39 and / or 43 and / or When requesting a refund for the total charge amount charged through the card charging system shown in FIG. 59, it may be omitted, and the present invention is not limited thereto.

The refund authentication information may include confidentiality, authentication, authentication for refund processing of the refunded amount (or cancellation of payment authorization for the refunded amount using the customer payment method) of the charged amount for the online account linked card, Information for securing the validity of at least one or more of integrity (Integrity) and non-repudiation (Nonrepudiation), characterized in that it comprises at least one or more various passwords, or various security information corresponding to the radical payment means.

The card information for the online account link card is a card number for the online account link card in which a predetermined amount of charge is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or FIG. 19). Card number for an online account linked card issued to the customer through the card issuing system shown in FIG. 6, and further includes the online account number associated with the online linked card according to the intention of a person skilled in the art. Or, it is preferable to further comprise customer information corresponding to the online account (or online account linked card).

The validity verification unit 6625 is configured to check whether the charge refund request information received from the refund request terminal 6645 satisfies the validity for the refund of the charge for the online account linked card.

According to an embodiment of the present invention, the validity of the charge refund request information may be determined in accordance with the payment method information included in the charge refund request information in connection with the financial system. Alternatively, it is preferable to include checking the details charged with the online account linked card shown in FIG. 19 through the card charging system shown in FIGS. 43 and / or 59.

In addition, the validity check of the charge refund request information is that when the charge refund request information includes a predetermined refund request amount, the refund request amount is shown in FIGS. 39 and / or 43 and / or 59. It is preferable to include whether the amount is greater than the amount charged through the card charging system, and if the refund request amount is less than or equal to the charge amount is processed as the validity of the charge refund request information is confirmed.

In addition, the verification of the validity of the chargeback request information is the customer payment means included in the chargeback request information through various passwords and / or various security information corresponding to the refund authentication information included in the chargeback request information It is preferable to include checking whether the cancellation of payment approval for information is possible.

For example, when various passwords and / or various security information corresponding to the refund authentication information are provided in the financial system, various passwords and / or various security information corresponding to the refund authentication information included in the refund refund request information are provided. It is preferable to compare the various passwords and / or various security information provided in the financial system with each other.

Alternatively, when various passwords and / or various security information corresponding to the refund authentication information are provided in the card company server 6650 (or the financial company server 6655) corresponding to the customer payment means information, the charge refund request information Compare and verify various passwords and / or various security information corresponding to the refund authentication information included in the card company server 6650 and / or various security information provided in the card company server 6650 (or the financial company server 6655). It is desirable to.

In addition, in the non-face-to-face refund of the refund system shown in Figure 66, when the refund authentication information further includes a predetermined security code information, the verification of the validity of the charge refund request information is the security code Corresponding to the refund authentication information in comparison with the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the financial system in response to the information and the customer payment means information. It is preferable that the security code information is included, and if the security code information corresponding to the refund authentication information is matched, it is preferable that the validity of the charge refund request information is verified.

In addition, when the refund authentication information further includes a predetermined OTP code due to the non-face-to-face payment refund system shown in FIG. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator paid to the customer, by comparing the OTP code and the OTP authentication code, the OTP code corresponding to the refund authentication information is the OTP It is preferable that the identification code is matched with the verification code. If the OTP code corresponding to the refund authentication information is matched with the OTP authentication code, it is preferable that the validity of the charge refund request information is authenticated.

In addition, due to the characteristics of the non-face-to-face charge refund system shown in FIG. 66, the charge refund request information is issued to a predetermined encryption key (for example, an encryption key provided in the refund request terminal 6645 or a customer). The encrypted refund request information (or at least one or more financial transaction information included in the refund refund request information) when the verification of the validity of the refund request information is encrypted And decrypting the data, and confirming that the decryption is normally performed. When the decryption is normally performed, the validity of the charge refund request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face charge refund system shown in Figure 66, the charge refund request information of the customer through a predetermined private key (for example, an encryption key included in the certificate issued to the customer) When the electronic signature is attached, the validity check of the charge refund request information is performed by the customer on the charge refund request information (or at least one or more financial transaction information included in the charge refund request information) to which the electronic signature is attached. It is preferable that the electronic signature is made, and the validity of the refund request information is preferably verified when the electronic signature of the customer is confirmed.

According to an exemplary embodiment of the present invention, the refund request amount may be omitted in the charge refund request information, or the refund request amount may be set through the card charging system shown in FIGS. 39 and / or 43 and / or 59. When the amount of money charged to the online account link card is the same, referring to FIG. 66, the card management server 6600 is authenticated by the validity verification unit 6625 for the validity of the payment refund request information. And the online account ledger corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10, and / or the online account linked card issued through the card issuing system shown in FIG. 39 and / or FIG. 39 using a customer payment means included in the charge refund request information in connection with a financial system equipped with a credit card ledger. 43 and / or a refund amount checking unit 6630 for checking the refundable amount of the amount charged through the card charging system shown in FIG. 59, and the refundable amount in connection with the financial system if the refundable amount is confirmed. A refund processing unit 6535 for refunding the credit card by deducting from the online account link card (or an online account linked with the online account link card), and the refund processing amount refunded by the refund processing unit 6635. The payment approval cancellation amount is processed and the payment approval cancellation amount is canceled in connection with the card company server 6650 (or the financial company server 6655) corresponding to the customer payment method information included in the charge refund request information. Characterized in that it comprises a payment approval cancellation unit 6640 to perform the procedure.

When the validity of the charge refund request information is authenticated by the validity check unit 6625, the refund amount check unit 6630 may be an online account registered through the online account registration system in FIGS. 1 and / or 10. A customer included in the recharge refund request information in connection with a financial system equipped with an online account ledger corresponding to the bank account and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is characterized by checking the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 using a payment means.

According to an exemplary embodiment of the present invention, the amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is set as the first payment amount, and thus the online account. When payment is made using a linked card, the payment is prioritized over the amount previously deposited in the online account associated with the online account linked card.

According to another exemplary embodiment of the present invention, the pre-deposit amount previously deposited in the online account linked to the online account link card is set as a first payment amount, and when the payment is made using the online account link card, It is characterized in that it is used primarily for payment processing.

Therefore, when the amount charged through the card charging system shown in Figure 39 and / 43 and / or 59 using the customer payment means included in the charge refund request information is confirmed, the refund amount confirmation unit 6630 is a predetermined amount of the refundable amount of money charged through the card charging system shown in Figure 39 and / or 43 and / or 59.

After the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 according to one embodiment of the present invention, the refund of the charge is requested. If payment through the online account link card has not occurred before, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 may be used online with the online account link card. In this case, the refund amount checking unit 6630 checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount. It is preferable.

According to another embodiment of the present invention, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the refund of the charge is requested. If the payment through the online account link card has occurred at least once before the payment, a portion of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or the total amount charged) ) May have already been used for payment through the online account link card, in which case the refund amount confirmation unit 6630 is charged via the card charging system shown in FIGS. 39 and / or 43 and / or 59. Linked to the online account by comparing the amount settled with the payment amount generated through the online account link card until the refund of the deposit is requested. The online account associated with de through the charge card system shown in the figure 39 and / or figures 43 and / or the figure 59 it is desirable to ensure that some of the presence of the charged amount.

For example, the refund amount checking unit 6630 may be charged after the online account linked card is charged from the amount charged with the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the amount paid through the online account link card, if the deduction is greater than '0', the remaining deducted amount is confirmed as the refundable amount, and if the deduction is less than or equal to '0', the refundable object It is desirable to confirm that the amount does not exist.

When a predetermined refundable amount is confirmed as a result of the confirmation of the refund amount confirming unit 6630, the refund processing unit 6635 may return the online corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10. The refundable amount is converted into the online account linked card (or the online account) in association with a financial system equipped with an account ledger and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. Online account associated with the account link card) is deducted from the refund in advance.

According to the exemplary embodiment of the present invention, the refund processing unit 6635 preferably refunds the amount subject to the refund as being withdrawn from the online account associated with the online account linked card.

When the refundable amount is processed by the refund processing unit 6635 in the online account associated with the online account linked card, the payment approval canceling unit 6640 may refund the refunded processing by the refund processing unit 6635. Characterized in that the processing amount as the payment approval cancellation amount for the customer payment means included in the charge refund request information.

Thereafter, the payment approval canceling unit 6640 is connected to the card company server (6650) (or financial company server (6655)) corresponding to the customer payment method information included in the charge refund request information for the payment approval cancellation amount It is characterized by performing a payment approval cancellation procedure.

According to an exemplary embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged with the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If the same, the payment approval canceling unit 6640 is shown in Figure 39 and / or 43 and / or 59 in conjunction with the card company server (6650) (or financial company server (6655)) corresponding to the customer payment means information. It is preferable to cancel the payment approval details of the payment process for charging the charge amount to the online account linked card through the card charging system.

According to another embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If smaller, the payment authorization canceling unit 6640 is connected to the card company server 6650 (or the financial company server (6655)) corresponding to the customer payment means information in Figure 39 and / or 43 and / or 59 Cancel the payment authorization details that have been settled to charge the online account linked card through the card charging system as shown in the figure, and the payment authorization cancellation amount (or refund processing amount or refundable amount) from the charge amount. After deducting), in connection with the card company server (6650) (or financial company server (6655)), it is preferable to request a payment approval for the deducted amount and to approve payment. The approved amount will be treated as a non-refundable amount.

According to another embodiment of the present invention, the charge refund request information includes the refund request amount, or the refund request amount is the card charging system shown in FIGS. 39 and / or 43 and / or 59. In a case where the amount is less than the amount charged in the online account link card, referring to FIG. 66, the card management server 6600 may determine that the validity of the request for refund of the money is refunded by the validity checking unit 6625. Once authenticated, the online account ledger corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10 and / or the online account linked card issued through the card issuing system shown in FIG. 39 and / or by using a customer payment means included in the charge refund request information in connection with a financial system equipped with a corresponding card ledger. A refund amount confirmation unit 6630 which checks a refundable amount corresponding to the refund request amount among the amounts charged through the card charging system shown in FIGS. 43 and / or 59, and when the refundable amount is confirmed, the finance The refund processing unit 6535 and a refund processing unit 6535 for processing the refund by first subtracting the refundable amount from the online account link card (or an online account linked with the online account link card) in association with the system. The refund processing amount refunded is processed as a payment authorization cancellation amount, and the payment is made in connection with the card company server 6650 (or the financial company server 6655) corresponding to the customer payment means information included in the charge refund request information. It is characterized in that it comprises a payment approval cancellation unit (6640) for performing a payment approval cancellation procedure for the amount of the cancellation of approval.

When the validity of the charge refund request information is authenticated by the validity check unit 6625, the refund amount check unit 6630 may be an online account registered through the online account registration system in FIGS. 1 and / or 10. A customer included in the recharge refund request information in connection with a financial system equipped with an online account ledger corresponding to the bank account and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is characterized by checking the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 using a payment means.

According to an exemplary embodiment of the present invention, the amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is set as the first payment amount, and thus the online account. When payment is made using a linked card, the payment is prioritized over the amount previously deposited in the online account associated with the online account linked card.

According to another exemplary embodiment of the present invention, the pre-deposit amount previously deposited in the online account linked to the online account link card is set as a first payment amount, and when the payment is made using the online account link card, It is characterized in that it is used primarily for payment processing.

Therefore, when the amount charged through the card charging system shown in Figure 39 and / 43 and / or 59 using the customer payment means included in the charge refund request information is confirmed, the refund amount confirmation unit 6630 is a predetermined amount of the refundable amount of money charged through the card charging system shown in Figure 39 and / or 43 and / or 59.

After the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 according to one embodiment of the present invention, the refund of the charge is requested. If payment through the online account link card has not occurred before, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 may be used online with the online account link card. In this case, the refund amount checking unit 6630 checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount. It is preferable.

According to another embodiment of the present invention, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the refund of the charge is requested. If payment through the online account link card has occurred at least once before the payment, a partial amount (or full charge) of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is shown. Amount) would have already been used for payment through the online account link card, in which case the refund amount checking unit 6630 may be provided via the card charging system shown in FIGS. 39 and / or 43 and / or 59. Link the online account by comparing the amount charged and the amount of payment made through the online account link card until the refund is requested. The online account associated with de through the charge card system shown in the figure 39 and / or figures 43 and / or the figure 59 it is desirable to ensure that some of the presence of the charged amount.

For example, the refund amount checking unit 6630 may be charged after the online account linked card is charged from the amount charged with the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the amount paid through the online account link card, if the deduction is greater than '0', the remaining deducted amount is confirmed as the refundable amount, and if the deduction is less than or equal to '0', the refundable object It is desirable to confirm that the amount does not exist.

Thereafter, the refund amount checking unit 6630 checks whether the refund request amount is less than or equal to the refundable amount by comparing the refundable amount with the refund request amount.

If the refund request amount is less than or equal to the refundable amount, the refund amount checking unit 6630 processes the refund request amount as the refundable amount.

On the other hand, if the refund request amount is larger than the refundable amount, the refund amount confirmation unit 6630 uses the confirmed refundable amount as it is.

When a predetermined refundable amount is confirmed as a result of the confirmation of the refund amount confirming unit 6630, the refund processing unit 6635 may return the online corresponding to the online account registered through the online account registration system in FIGS. 1 and / or 10. The refundable amount is converted into the online account linked card (or the online account) in association with a financial system equipped with an account ledger and / or a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. Online account associated with the account link card) is deducted from the refund in advance.

According to the exemplary embodiment of the present invention, the refund processing unit 6635 preferably refunds the amount subject to the refund as being withdrawn from the online account associated with the online account linked card.

When the refundable amount is processed by the refund processing unit 6635 in the online account associated with the online account linked card, the payment approval canceling unit 6640 may refund the refunded processing by the refund processing unit 6635. Characterized in that the processing amount as the payment authorization cancellation amount for the customer payment means included in the charge refund request information.

Thereafter, the payment approval canceling unit 6640 is connected to the card company server (6650) (or financial company server (6655)) corresponding to the customer payment method information included in the charge refund request information for the payment approval cancellation amount It is characterized by performing a payment approval cancellation procedure.

According to an exemplary embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged with the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If the same, the payment approval canceling unit 6640 is shown in Figure 39 and / or 43 and / or 59 in conjunction with the card company server (6650) (or financial company server (6655)) corresponding to the customer payment means information. It is preferable to cancel the payment approval details of the payment process for charging the charge amount to the online account linked card through the card charging system.

According to another embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If smaller, the payment authorization canceling unit 6640 is connected to the card company server 6650 (or the financial company server (6655)) corresponding to the customer payment means information in Figure 39 and / or 43 and / or 59 Cancel the payment authorization details that have been settled to charge the online account linked card through the card charging system as shown in the figure, and the payment authorization cancellation amount (or refund processing amount or refundable amount) from the charge amount. After deducting), in connection with the card company server (6650) (or the financial company server (6655)), it is preferable to request a payment approval for the deducted amount to approve payment, Rebill group approved amount is treated as a non-refundable amount.

67 is a diagram showing a refundable amount of money charged in an online account link card according to another embodiment of the present invention.

In more detail, FIG. 67 illustrates a refundable amount of money charged to the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. Specifically, FIG. 39 and / or after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 43 and / or 59, the charge is issued through the card issuing system shown in FIG. If the preferred payment amount for the online account linked card is set, the refundable amount corresponding to the preferred payment amount is illustrated.

One of ordinary skill in the art to which the present invention pertains may refer to and / or modify Figure 67 to infer various implementation methods for the refundable amount of the charged amount for the online account linked card, The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify FIG. 67 and issue a pre-deposit amount previously deposited in the online account through the card issuing system shown in FIG. When the preferred payment amount for the online account linked card is set, various implementation methods for the refundable amount corresponding to the preferred payment amount (for example, the payment amount for the online account linked card is paid from the online account prepaid amount) However, the present invention can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

According to an embodiment of the present invention, before the predetermined amount is charged to the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the card is linked with the online account link card. In the online account, a predetermined prepayment amount is deposited as shown in FIGS. 40 and / or 44 and / or 60, and the card charging system shown in FIGS. 39 and / or 43 and / or 59 When a predetermined amount is charged in the online account link card through the card, the charged amount is deposited in the online account as shown in FIG. 67a, and the charged amount and the online account prepaid amount are separately managed.

According to an embodiment of the present invention, a predetermined amount of charge is transferred to the online account linked card through a predetermined customer payment means in a card charging server on the card charging system shown in FIGS. 39 and / or 43 and / or 59. After the charging, one of the pre-deposit amount and the recharge amount previously deposited in the online account is set as the preferred payment amount for the online account linked card issued through the card issuing system shown in FIG. desirable.

FIG. 67A shows that the amount of money was not used for payment by using the online account link card before refunding the amount charged to the online account link card through the charge refund system shown in FIG. 66. As shown in FIG. 67A, the customer adds the card to the online account linked card associated with the online account in which 500,000 won is already deposited through the card charging system shown in FIGS. 39 and / or 43 and / or 59. When 200,000 won is charged through a payment method, the 200,000 won is processed as a refundable amount.

FIG. 67B shows that a portion of the money is used for payment by using the online account link card before refunding the amount charged to the online account link card through the charge refund system shown in FIG. 66. For example, if 100,000 won of the charge is used for payment through the online account linked card in the same state as in FIG. 67a, the refundable amount is shown in FIGS. 39 and / or 43 and / or 59. Of the 200,000 won charged card charging system is 100,000 won except the 100,000 used for payment.

67C and 67D show that all the amount of money used for payment is made by using the online account link card before refunding the amount charged to the online account link card through the charge refund system shown in FIG. 66. As shown in FIG. 67A and / or 67B, when all 200,000 won of the charge is used for payment through the online account link card, the refundable amount does not exist.

68 is a diagram illustrating a process of refunding a payment for an online account link card in a non-face-to-face manner in order to refund the payment for the online account link card according to an embodiment of the present invention.

More specifically, FIG. 68 shows the case where the card management server 6600 on the money refund system shown in FIG. 66 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After the terminal connects to the card management server 6600 and connects a communication channel for refunding the charge, the terminal transmits the customer payment means information and the refund request amount information to the card management server 6600 through the communication channel. When the payment refund request information including the refund authentication information and the card information for the online account linked card is transmitted, the card management server 6600 receives the customer payment method information included in the received payment refund request information and the refund. The online account linked car using the requested amount information, the refund authentication information and the card information for the online account linked card As a method of performing a refund refund processing for a person of ordinary skill in the art to which the present invention pertains, reference to and / or modification of the drawing 68 may be made to the online account link card in the non-face-to-face manner. Various implementation methods may be inferred for the process of refunding the charge for the present invention, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In FIG. 68, the client terminal shown in FIG. 66 is referred to as " terminal " for convenience, and the card management server 6600 shown in FIG. 66 is referred to as " server "

Referring to FIG. 68, if the terminal shown in FIG. 66 is a predetermined network means (e.g., if the terminal is a wired terminal, a TCP / IP based wired communication network, if the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network and / or IEEE 802.16x-based portable Internet, etc.) when the server is requested to request a refund of the charge to the online account link card (6800), the server correspondingly Enter (or select) payment refund request information that includes at least one customer payment method information, a refund request amount information, a refund authentication information, and at least one card information for an online account link card. A web page including a user interface is generated (or extracted), transmitted to the terminal through the communication channel, and output (6805).

According to an embodiment of the present invention, the web page transmission and / or output process is preferably performed at least once according to the user interface provision and payment refund request information transmission / reception procedure. It is not limited.

Thereafter, the terminal inputs (or selects) payment refund request information including at least one of the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account linked card through the user interface. (6810).

If the terminal receives (or selects) the payment refund request information including the customer payment method information, the refund request amount information, the refund authentication information, and the card information for the online account link card through the user interface (6815) The terminal transmits (6820) the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account link card to the server through the communication channel (6820). In the transmission of the customer payment means information, the refund request amount information, the refund authentication information and the card information for the online account linked card through the communication channel to the server via the user interface ( Or) the electronic signature and / or through the security module (not shown) equipped with the charge refund request information provided in the terminal; Preferably, further comprising sending the encrypted to the server.

Here, the customer payment means information is predetermined in the online account linked card issued to the customer through the card issuing system shown in FIG. 19 in the card charging system shown in FIGS. 39 and / or 43 and / or 59. In order to charge the amount of the customer, the customer includes at least one or more payment means information of the credit card, check card, debit card, cash card and prepaid card for which the payment was made or the payment was made for the customer And at least one payment means information including account information, and the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 through the customer payment means information. Payment cancellation of the predetermined refund amount is preferably made.

The refund request amount information is an amount for requesting a refund of the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59, and the drawings 39 and / or 43 and / or When requesting a refund for the total charge amount charged through the card charging system shown in FIG. 59, it may be omitted, and the present invention is not limited thereto.

The refund authentication information may include confidentiality, authentication, authentication for refund processing of the refunded amount (or cancellation of payment authorization for the refunded amount using the customer payment method) of the charged amount for the online account linked card, Information for securing the validity of at least one or more of integrity and nonrepudiation, characterized in that it comprises at least one or more of a variety of passwords or various security information corresponding to the radical payment means.

The card information for the online account link card is a card number for the online account link card in which a predetermined amount of charge is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or FIG. 19). Card number for an online account linked card issued to the customer through the card issuing system shown in FIG. 6, and further includes the online account number associated with the online linked card according to the intention of a person skilled in the art. Or, it is preferable to further comprise customer information corresponding to the online account (or online account linked card).

Thereafter, the server receives and reads the charge refund request information including at least one of the customer payment means information, the refund request amount information, the refund authentication information, and the card information for the online account linked card through the communication channel. Checking the validity of the charge refund request information (6825), and checking the validity of the charge refund request information, electronically through the security module (not shown) the charge refund request information is provided in the terminal; If signed and / or encrypted, preferably further comprising decrypting the chargeback request information and / or decrypting the chargeback request information.

According to an embodiment of the present invention, the validity of the charge refund request information may be determined in accordance with the payment method information included in the charge refund request information in connection with the financial system. Alternatively, it is preferable to include checking the details charged with the online account linked card shown in FIG. 19 through the card charging system shown in FIGS. 43 and / or 59.

In addition, the validity check of the charge refund request information is that when the charge refund request information includes a predetermined refund request amount, the refund request amount is shown in FIGS. 39 and / or 43 and / or 59. It is preferable to include whether the amount is greater than the amount charged through the card charging system, and if the refund request amount is less than or equal to the charge amount is processed as the validity of the charge refund request information is confirmed.

In addition, the verification of the validity of the chargeback request information is the customer payment means included in the chargeback request information through various passwords and / or various security information corresponding to the refund authentication information included in the chargeback request information It is preferable to include checking whether the cancellation of payment approval for information is possible.

For example, when various passwords and / or various security information corresponding to the refund authentication information are provided in the financial system, various passwords and / or various security information corresponding to the refund authentication information included in the refund refund request information are provided. It is preferable to compare the various passwords and / or various security information provided in the financial system with each other.

Alternatively, when various passwords and / or various security information corresponding to the refund authentication information are provided in the card company server 6650 (or the financial company server 6655) corresponding to the customer payment means information, the charge refund request information Compare and verify various passwords and / or various security information corresponding to the refund authentication information included in the card company server 6650 and / or various security information provided in the card company server 6650 (or the financial company server 6655). It is desirable to.

In addition, in the non-face-to-face refund of the refund system shown in Figure 66, when the refund authentication information further includes a predetermined security code information, the verification of the validity of the charge refund request information is the security code Corresponding to the refund authentication information in comparison with the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the financial system in response to the information and the customer payment means information. It is preferable that the security code information is included, and if the security code information corresponding to the refund authentication information is matched, it is preferable that the validity of the charge refund request information is verified.

In addition, when the refund authentication information further includes a predetermined OTP code due to the non-face-to-face payment refund system shown in FIG. Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator paid to the customer, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the refund authentication information is the OTP authentication It is preferable to include whether the match with the code, and if the OTP code corresponding to the refund authentication information is matched with the OTP authentication code, it is preferable that the validity of the charge refund request information is authenticated.

In addition, due to the characteristics of the non-face-to-face charge refund system shown in FIG. 66, the charge refund request information is provided to a predetermined encryption key (for example, an encryption key provided in the refund request terminal 6645 or a customer). When encrypted through the issued encryption key included in the issued certificate, the validity of the refund request information is confirmed by the encrypted payment refund request information (or at least one financial transaction information included in the charge refund request information) ), And verifying that the decryption is normally performed. When the decryption is normally performed, the validity of the charge refund request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face charge refund system shown in Figure 66, the charge refund request information of the customer through a predetermined private key (for example, an encryption key included in the certificate issued to the customer) When the electronic signature is attached, the validity check of the charge refund request information is performed by the customer on the charge refund request information (or at least one or more financial transaction information included in the charge refund request information) to which the electronic signature is attached. It is preferable that the electronic signature is made, and the validity of the refund request information is preferably verified when the electronic signature of the customer is confirmed.

If the validity of the charge refund request information is not authenticated (6830), the server generates a charge refund processing history including predetermined charge refund error information corresponding to the validity error information (6835). ), And transmits the charge refund result information including the charge refund processing details to the terminal through the financial network (6840).

On the other hand, if the validity of the charge refund request information is authenticated (6830), the server is an online account ledger corresponding to the online account registered through the online account registration system in Figures 1 and / or 10, and / or the 39 and / or by using a customer payment means included in the refund request information in connection with a financial system equipped with a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. A refundable amount of the amount charged through the card charging system shown in FIGS. 43 and / or 59 is confirmed (6845).

According to an embodiment of the present invention, the server uses the customer payment means included in the charge refund request information in association with a financial system to charge the card shown in FIGS. 39 and / or 43 and / or 59. It is desirable to check the amount charged through.

According to an exemplary embodiment of the present invention, the amount of money charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is set as the first payment amount, and thus the online account. When payment is made using a linked card, the payment is prioritized over the amount previously deposited in the online account associated with the online account linked card, wherein the server may be configured to the drawings 39 and / or 43 and / or drawings. It is preferable to check a predetermined amount not used for the payment settlement among the amounts charged through the card charging system shown in 59 as the refundable amount.

In the method, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the online account is not required until the refund is requested. If payment through the linked card has not occurred, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is deposited in the online account associated with the online account linked card as it is. In this case, the server preferably checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount.

Alternatively, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 in the above method, until the refund of the payment is requested. If payment through the online account link card has occurred at least once, some of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or the total amount charged) is Since the server may have already been used for payment via an online account link card, in this case the server may request a refund of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. The online account associated with the online account link card by comparing the payment amount generated through the online account link card until Through the figures 39 and / or figures 43 and / or the charge card system shown in figure 59 it is desirable to ensure that some of the presence of the charged amount.

For example, the server uses the online account link card after charging the online account link card at an amount charged to the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the paid amount, if the deduction is greater than '0', the remaining deducted amount is confirmed as the refundable amount. If the deduction is less than or equal to '0', the refundable amount does not exist. It is desirable to confirm.

According to another exemplary embodiment of the present invention, the pre-deposit amount of the online account is set as a preferred payment amount, and is shown in FIGS. 39 and / or 43 and / or 59 when payment is made using the online account linked card. It is used for payment processing in preference to the amount charged through the card charging system, wherein the server is the payment of the amount charged through the card charging system shown in Figure 39 and / or 43 and / or 59 It is preferable to check the predetermined amount not used for payment as the refundable amount.

In the method, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59, the online account is not required until the refund is requested. If payment through the linked card has not occurred, the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is deposited in the online account associated with the online account linked card as it is. In this case, the server preferably checks the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 as the refundable amount.

Alternatively, after the predetermined amount is charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 in the above method, until the refund of the payment is requested. If payment through the online account link card has occurred at least once, some of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 (or the total amount charged) is Since the prepayment amount of the online account may already be used for payment through the online account link card,

In this case, the server associates with the online account link card until the amount of money charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is requested after the payment is refunded. A portion of the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is present in the online account associated with the online account link card by comparing the total balance remaining in the online account. It is advisable to check.

For example, after the online account link card is charged, the server checks the amount of money remaining in the online account associated with the online account link card through the card charging system shown in FIGS. 39 and / or 43 and / or 59. After deducting the amount charged to the account link card, if the deduction is greater than or equal to '0', the charge amount is confirmed as the refundable amount, and if the deduction is less than '0', the online account balance is recalled. It is preferable to confirm with the amount to be refunded and to confirm that the amount to be refunded does not exist if the absolute value of the deduction is equal to the amount charged (for example, if there is no online account balance).

If there is no predetermined refundable amount (for example, the amount charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is all online (6850), the server generates a charge refund processing history including predetermined charge refund error information corresponding to the refundable amount error information (6835); Through the financial network, the charge refund result information including the charge refund processing details is transmitted to the terminal for output (6840).

If the predetermined amount of the refundable object is confirmed as a result of the verification (for example, the payment amount of the amount charged to the online account linked card through the card charging system shown in FIGS. 39 and / or 43 and / or 59 is used for payment). If the amount is not confirmed) (6850), the server processes the refund by deducting the refundable amount from the online account associated with the online account link card in association with the financial system (6855).

According to the method of the present invention, the server preferably refunds by processing the refunded amount as being withdrawn from the online account associated with the online account linked card.

If the refund processing for the refundable amount is confirmed (6860), the server processes the refund processing amount as the payment authorization cancellation amount for the amount charged to the online account linked card (6865), and refund the charge The payment authorization cancellation procedure for the payment authorization cancellation amount is performed in association with the card company server 6650 (or the financial institution server 6655) corresponding to the customer payment means information included in the request information (6870).

According to an exemplary embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged with the amount charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If the same, the server is linked to the card company server (6650) (or financial company server (6655)) corresponding to the customer payment means information through the card charging system shown in Figure 39 and / or 43 and / or 59 It is preferable to cancel the payment approval details of the payment process for charging the charge amount in the online account linked card.

According to another embodiment of the present invention, the payment authorization cancellation amount (or refund processing amount or refundable amount) is charged through the card charging system shown in FIGS. 39 and / or 43 and / or 59. If smaller, the server may be connected to the card company server 6650 (or the financial company server 6655) corresponding to the customer payment means information card charging system shown in Figure 39 and / or 43 and / or 59. After canceling the payment approval history for the payment of the charge to the on-line account linked card through, and subtracted the payment authorization cancellation amount (or refund processing amount, or refundable amount) from the charge amount, In connection with the card company server (6650) (or financial company server (6655)), it is preferable to request a payment approval for the deducted amount and to approve the payment. The amount will be treated as a non-refundable amount.

If the payment approval cancellation of the payment approval cancellation amount is confirmed (6875), the server generates a charge refund processing history including the payment refund approval information corresponding to the payment refund result (6880), Through the financial network, the charge refund result information including the charge refund processing history is transmitted to the terminal and output (6885).

According to the present invention, when a predetermined amount is charged to a predetermined online account link card, and the refunded amount is refunded, a predetermined refundable amount is deducted from the online account associated with the online account link card. After that, by canceling the payment authorization for charging the online account linked card, there is an advantage that it is possible to conveniently and simply refund the amount charged in the online account linked card.

According to the present invention, after charging a predetermined amount in a predetermined online account link card, and refunding the charged amount, the amount charged in the online account link card prior to the refund request is preferentially used for payment. By doing so, there is an advantage of preventing the loss of the financial institution according to the refund as possible.

Claims (1)

Refund amount checking means for checking the refundable amount of the recharge amount deposited in the online account associated with the card when processing the refund of the recharge amount charged to the online account linked card; Refund processing means for performing a refund processing by subtracting the refundable amount from the online account; And Payment approval cancellation means for canceling the payment approval for the charge amount; Online account linked card charge amount refund system comprising a.

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