KR20090018750A - System for processing electronic tax paper using delivering ordered information and program recording medium - Google Patents

Abstract

An electronic bill processing system using a customized information delivery function and a program recording medium thereof are provided to electronically process a bill by using the customized information delivery function equipped with an interface provider. An information register links/registers customer information, billing agency information, and website information to a database. An information collector periodically collects bill information corresponding to the customer information. A bill information output unit outputs the bill information to a predetermined area of an Internet banking webpage. An interface provider provides a bill payment interface for paying an amount included in the bill information to a customer terminal.

Description

System for Processing Electronic Tax Paper using Delivering Ordered Information and Program Recording Medium}

Figure 1 collects the various bill information of the customer using at least one or more standards for data exchange and distribution between the web site according to an embodiment of the present invention, the collection target bill information of the face-to-face for payment processing It is a figure which shows a registration system.

Figure 2 collects various bill information of customers using at least one specification for data exchange and distribution between web sites according to an embodiment of the present invention, DBMS on the financial system in a face-to-face manner for payment processing Figure is a diagram showing the configuration of the collection of bill information stored in the ledger D / B provided in the.

Figure 3 collects various bill information of the customer using at least one or more specifications for the exchange and distribution of data between the web site according to another embodiment of the present invention, and on the financial system in a face-to-face manner for payment processing FIG. Is a diagram illustrating the composition of information on the collection of bills stored in the database associated with the ledger D / B provided in the DBMS.

Figure 4 collects the various bill information of the customer using at least one or more standards for data exchange and distribution between the web site according to another embodiment of the present invention, banking server in a face-to-face manner for payment processing FIG. 7 is a diagram illustrating a collection target bill information stored in a DBMS included in the system.

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

6 is a non-face-to-face collection method for collecting various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to another embodiment of the present invention, and for payment processing thereof; A diagram showing a bill information registration system.

FIG. 7 collects various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to an exemplary embodiment of the present invention, and displays information on a financial system in a non-face-to-face manner for payment processing. Figure is a view showing the configuration of the bill information collected in the ledger D / B provided in the DBMS.

8 is a financial system in a non-face-to-face manner for collecting various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to another embodiment of the present invention, and for payment processing thereof. Is a diagram showing the composition of the information to collect bills stored in the database associated with the ledger D / B provided in the DBMS on.

FIG. 9 collects various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to another exemplary embodiment of the present invention, and banks in a non-face-to-face manner for payment processing. FIG. 7 is a diagram illustrating a collection target bill information stored in a DBMS provided in a server.

Figure 10 collects the various bill information of the customer using at least one or more specifications for the exchange and distribution of data between the web site according to an embodiment of the present invention, the collection target bill in a non-face-to-face manner for payment processing A diagram illustrating a process of registering information.

11a and 11b is a non-face-to-face method for collecting various bill information of the customer using at least one or more specifications for data exchange and distribution between web sites according to another embodiment of the present invention, the payment process for this 2 is a diagram illustrating a process of registering information to be collected.

12 is a non-face-to-face approach to payment processing after customer approval for bills collected using at least one specification (e.g., extensibility generation language) for data exchange and distribution between web sites in accordance with an embodiment of the present invention. It is a figure which shows the bill processing system.

13 illustrates a payment process after customer approval for bills collected using at least one specification (eg, extensibility generation language) for data exchange and distribution between web sites in a non-face-to-face manner in accordance with one embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for.

14A and 14B illustrate a financial transaction for payment processing after customer approval of a bill collected using at least one specification for exchanging and distributing data between websites in a non-face-to-face manner according to another embodiment of the present invention. It is a figure which shows the process of processing.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: storage medium 135: information registration terminal

The present invention, when the customer terminal transmits the website information for distributing the bill information corresponding to the customer information according to the customer information and billing agency information and data exchange and distribution standards between the website, the customer information and billing agency information and the Web Information registration means for registering site information in association with the database, and bill information corresponding to the customer information periodically from a website corresponding to the website information according to data exchange and distribution standards between the websites in connection with the database. Information collection means for collecting, bill information for collecting at least one billing information collected by each billing agency and processing the bill information output to a predetermined area on the Internet banking web page provided to the customer terminal, and the bill information Billing interface to pay bills It relates to an electronic bill processing system using a customized information delivery function having an interface providing means provided to the customer terminal.

Due to the rapid development of information and communication technology, the Internet environment is entering the new era of Web 2.0.

Accordingly, there is a lot of movement to apply Web 2.0 to the financial industry.

However, Web 2.0 is still unfamiliar to customers using financial services.

If various technologies of Web 2.0 are applied to the financial industry, many parts can be changed, but the application of these new technologies is a difficult problem for the financial industry, which is a closed environment.

In addition, many bills issued to customers can be used easily and conveniently when using the technology of Web 2.0, but there are difficult problems in applying them.

An object of the present invention for solving the above problems, when the customer terminal transmits the website information for distributing the bill information corresponding to the customer information according to the customer information and billing agency information and data exchange and distribution standards between the website, An information registration means for registering the customer information, billing agency information, and website information in a database and registering the information in a database; and from the website corresponding to the website information according to data exchange and distribution standards between the websites in connection with the database. Information collection means for periodically collecting bill information corresponding to the information, and bill information output means for collecting the collected at least one bill information for each billing institution to be output on the graphical user interface program provided in the customer terminal And payments contained in the above bill information. The present invention provides an electronic bill processing system using a personalized information delivery function including an interface providing means for providing a bill payment interface for paying a sum to the customer terminal.

Electronic bill processing system using a customized information delivery function according to the present invention, the website information for distributing bill information corresponding to the customer information according to the customer information and billing agency information and data exchange and distribution standards between the Web site in the customer terminal If the transmission information, the information registration means for registering the database in association with the customer information, billing agency information and website information, and the web corresponding to the website information in accordance with the data exchange and distribution standards between the website in connection with the database Information collection means for periodically collecting bill information corresponding to the customer information from a site, and collecting at least one bill information for each billing institution and outputting the collected bill information to a predetermined area on an internet banking web page provided to the customer terminal; Bill information output means for processing; And an interface providing means for providing a bill payment interface for paying a payment amount included in bill information to the customer terminal.

On the other hand, the electronic bill processing system using the customized information delivery function according to the present invention, the Web that distributes the bill information corresponding to the customer information in accordance with the data exchange and distribution standards between the customer information and billing agency information and the Web site in the customer terminal When the site information is transmitted, information registration means for registering the customer information, billing agency information, and website information in a database, and responding to the website information in accordance with data exchange and distribution standards between web sites in connection with the database. Information collection means for periodically collecting bill information corresponding to the customer information from a website and collecting the at least one bill information for each billing institution to be output on a graphic user interface program provided in the customer terminal. Bill information output means for processing; A bill payment interface to pay the payment amount included in the invoice information group is characterized in that formed by having the interface providing means for providing to the customer terminal.

Electronic bill processing system using a personalized information delivery function according to the invention, characterized in that it further comprises a financial transaction processing means for processing a financial transaction to pay the payment amount contained in the bill information through the bill payment interface do.

On the other hand, it includes a computer-readable recording medium recording a program for executing the function of the electronic bill processing system configuration means using the above-described customized information delivery function.

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

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

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

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

1 collects various bill information of customers using at least one or more specifications for data exchange and distribution between web sites according to an embodiment of the present invention, and collects the bill information of the face-to-face collection for payment processing; It is a figure which shows a registration system.

In more detail, Figure 1 shows a customer using at least one or more standards (e.g., an extensible generation language) for exchanging and distributing data between the web sites by a predetermined customer through a predetermined information registration interface. Collecting various bill information of the bill and providing the billing target bill information including at least one of customer information, bill information, deposit account information, and billing account information for payment processing; The present invention relates to a system configuration for processing the customer information, bill information, payment account information, and payment account information included in the provided collection target bill information in a predetermined storage medium 130 and to which the present invention pertains. If one of ordinary skill in the art, refer to and / or modified the present Figure 1 web Collect various bill information of customers using at least one standard (for example, extensibility language) for exchanging and distributing data between sites, and implement various methods of collecting bill information registration system for payment processing The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means and / or functions for storing, on the storage medium 130, the collection target notification information provided from the customer through a predetermined information registration interface on the collection target notification information registration system shown in FIG. 1. The component corresponding to the configuration is called "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, various bill information of a customer is collected using at least one standard (eg, an extensible generating language) for exchanging and distributing data between the web sites. The collection target bill information registration system for payment processing is characterized in that it comprises an information registration terminal 135 including a teller terminal provided in at least one financial institution branch, the information registration terminal 135 The communication channel is connected to the information registration server 100 provided on the collection target bill information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer collects various bill information of the customer using at least one or more specifications (eg, an extensible generating language) for exchanging and distributing data between the web sites, and pays for the bill. Visit the financial institution branch for processing and obtain at least one specification (e.g., an extensible generation language) for exchanging and distributing data between websites through a window (or through a teller) provided at the financial institution branch. Collect various bill information of the customer, and use a predetermined application (e.g., at least one or more standards (e.g., extensibility generation language) for exchanging and distributing data between websites) Collect bill information and fill in at least one item of information for payment processing. Form) and submit the completed application form to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal Preferably, the input (or selected) information is transmitted to the information registration server 100 provided on the collection target bill information registration system through the financial network.

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 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. Do.

In the collection target bill information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 100 are used by the customer. Information registration interface for collecting various bill information of customers using at least one standard (eg, extensibility language) for exchanging and distributing data between sites, and registering the bill information to be collected for payment processing. Perform the function of

The storage medium 130 provided on the collection target bill information registration system according to the present invention is the customer information, bill information, deposit account information, included in the collection target bill information provided from the information registration terminal 135, Characterizing and storing the payment account information in a predetermined storage medium 130, and comprises at least one of the customer information, bill information, payment account information, payment account information stored in the storage medium 130 The collected bill information is used to collect various bill information of a customer using at least one or more standards (eg, an extensibility language) for exchanging and distributing data between the web sites, and is used for payment processing.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the collection target bill information registration application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the collection target bill information registration system in response to the customer by signing up as a financial transaction customer of the financial institution. (Number) and the like).

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the collection target bill information registration system (or associated with the collection target bill information registration system). In this case, the storage medium 130 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, by which the present invention is not limited. .

According to another exemplary embodiment of the present invention, the storage medium 130 is provided on (or associated with) the collection target bill information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the collection target bill information registration system according to the present invention is a generic term for the collection target bill information registration system side components connected to the information registration terminal 135 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the information registration server 100 is connected to the window terminal through a predetermined financial network. It may be a ledger server provided in and / or a server (or device) provided in the external world on the financial system, and / or a program provided in the external world on the financial system, whereby the present invention is limited Not.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 135 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface unit 105 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. 1, the information registration server 100 connects a communication channel with the information registration server 100 through a predetermined information registration terminal 135 through the interface unit 105, and then the interface unit ( In connection with 105, the information registration terminal 135 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined collection target bill information and providing the information registration terminal 135 to the information registration terminal 135. An information receiving unit for receiving a predetermined collection target bill information that is input (or selected) and transmitted from the information registration terminal 135 through the user interface in cooperation with the interface providing unit 110 and the interface unit 105 ( 115), a validity confirming unit 120 for checking the validity of the received collection target bill information, and the customer information and notification included in the collected collection target bill information. Associated with the information, deposit account information, billing account information, characterized by comprising in an information storage unit 125 to store in a storage medium 130.

The interface providing unit 110 is a predetermined information registration terminal 135 is connected to the information registration server 100 and the communication channel through the interface unit 105, the information registration terminal 135 is provided Corresponding to the functional configuration, create a predetermined user interface that can input (or select) the collection target bill information and transmit it to the information registration server 100 through the financial network, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 135 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the collection target bill information to the information registration terminal 135 and transmitting the information to the information registration server 100 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 135 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 135 inputs (or selects) collection target bill information including at least one of the customer information, the bill information, the deposit account information, and the billing account information based on the user interface. (Or selection) the collected billing information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide 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 window terminal through the interface unit 105.

The information receiver 115 inputs (or selects) collection target bill information including at least one of customer information, bill information, deposit account information, and payment account information through the user interface at the information registration terminal 135. When the data is transmitted through the financial network, the collection object bill information is received in association with the interface unit 105, and the received collection object bill information is provided to the validity confirming unit 120.

The validity confirming unit 120 is a collection of bills received from the information registration terminal 135, the customer's various bills using at least one or more standards (eg, extensibility generation language) for data exchange and distribution between the Web site It collects information and checks whether it satisfies the validity for payment processing.

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

For example, the validity check on the collected bill information includes checking whether the customer information included in the collected bill information matches the customer ledger stored in the ledger D / B on the financial system associated with the collected bill information. It is preferable to include what is included.

In addition, the validity check of the bill information to be collected is confirmed whether the deposit account information included in the bill information to be collected matches the account ledger stored in the ledger D / B on the financial system linked to the billing information registration system Preferably, the deposit account information is provided to an external financial institution in association with the collection target bill information registration system, when the deposit account information is provided to a financial institution other than a financial institution equipped with the bill information registration system. It is preferably made to include matching with the account ledger stored in the ledger D / B on the financial system.

In addition, the validity check of the bill information to be collected is confirmed whether the payment account information included in the bill information to be collected matches the account ledger stored in the ledger D / B on the financial system linked to the billing information registration system It is preferable that it consists of including.

When the validity of the collection target bill information is confirmed, the information storage unit 125 processes the customer information, bill information, deposit account information, and payment account information included in the collection target bill information in association with the storage medium 130. The storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100. ) Is preferably stored in the storage medium 130 by integrating the customer information, bill information, payment account information, payment account information included in the received billing object information, the storage medium 130 is financed When provided in a DBMS provided on the system, the information storage unit 125 stores customer information, bill information, deposit account information, and payment account information included in the received collection target bill information. To step through the available information on the FEP-based banking system is preferably stored in a DBMS provided on the financial system.

Figure 2 collects various bill information of customers using at least one or more specifications for data exchange and distribution between web sites according to one embodiment of the present invention, DBMS on the financial system in a face-to-face manner for payment processing Figure is a diagram showing the configuration of the collection of bill information stored in the ledger D / B provided in the.

In more detail, FIG. 2 illustrates that when the storage medium 130 shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the customer information and bill information are included in the ledger information provided in the ledger D / B. FIG. 2 illustrates an information configuration of an embodiment of a method of storing collected billing information including deposit account information and payment account information. 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 information construction methods for storing the collected bill information in the ledger D / B, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

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

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

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

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

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

Referring to FIG. 2, the collection target bill information provided through the collection target bill information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, bill information, payment account information, payment account information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the collection target bill information registration application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the collection target bill information registration system in response to the customer by signing up as a financial transaction customer of the financial institution. (Number) and the like).

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information may correspond to a bill issued to the customer, and includes at least an account number for the deposit account for depositing the payment amount for the bill, the account holder, and the name of the financial institution in which the deposit account is opened. It is preferred to include one or more, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

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

Figure 3 collects various bill information of the customer using at least one or more specifications for the exchange and distribution of data between the web site according to another embodiment of the present invention, and on the financial system in a face-to-face manner for payment processing FIG. 7 is a diagram illustrating a collection target bill information stored in a database associated with the ledger D / B 300 provided in the DBMS.

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B 300 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 3 to link the collected bill information to the ledger D / B 300 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 shows that when it is not easy to store the collected billing statement information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B 300, or the system expansion is not easy due to the nature of the financial system), instead of the ledger D / B 300, the collection target bill information is stored in a predetermined database , Shows an implementation method of linking and storing the database and the ledger D / B 300.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the 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 Figure 3, the database is characterized in that the customer information, bill information, deposit account information, payment account information included in the collection target bill information is processed by storing, the collection bill information is the ledger D It is preferable that the CIF number corresponding to the ledger information is further included in the collection target bill information to be processed in conjunction with / B (300).

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the collection target bill information registration application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the collection target bill information registration system in response to the customer by signing up as a financial transaction customer of the financial institution. (Number) and the like).

The bill information includes a bill that includes at least one tax, utility bill, and at least one bill including electricity, water, car, property, corporate, apartment, and Internet service fees. It is preferable to include at least one or more of the name of the payer, the amount of payment, payment number, notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

Figure 4 collects the various bill information of the customer using at least one or more specifications for the exchange and distribution of data between the web site according to another embodiment of the present invention, the banking server in a face-to-face manner for payment processing FIG. 7 is a diagram illustrating a collection target bill information stored in a DBMS included in the system.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 130 shown in FIG. 1 is 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 banking server by referring to and / or modifying the figure 4 It is possible to infer the information configuration method for the collection target bill information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the predetermined DBMS provided in the banking server is characterized by storing the customer information, bill information, deposit account information, and payment account information included in the collection target bill information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the collection target bill information registration application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the collection target bill information registration system in response to the customer by signing up as a financial transaction customer of the financial institution. (Number) and the like).

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

FIG. 5 is a diagram illustrating a process of registering collection target bill information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows that the information registration server 100 on the collection target bill information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In one case, the teller terminal connects to the information registration server 100 and connects a communication channel for registering the information of the collection target bill according to the present invention, and then to the information registration server 100 through the communication channel. When the collection target bill information including the customer information, bill information, deposit account information, payment account information is transmitted, the customer information, bill information, included in the received collection target bill information in the information registration server 100, The present invention relates to a method of storing deposit account information and payment account information in a predetermined storage medium 130, and in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the collection target bill information from the window terminal to the information registration server 100 by referring to and / or modifying the drawing 5. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The customer information, bill information, deposit account information, and payment account information transmitted to the server 100 are referred to as "collection bill information" for convenience.

Referring to FIG. 5, the teller terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the collection target bill information, and exchanges data between the web sites. When collecting various bill information of the customer using at least one or more specifications (e.g., an extensible generation language) for distribution, and requesting the collection target bill information registration for payment processing (500), the server A predetermined information registration interface for registering the collection target bill information is generated (or extracted) (505), and the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel and outputted (510). ).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) collection target bill information including at least one of the customer information, bill information, payment account information, and payment account information in the terminal. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) collection target bill information including at least one or more customer information, bill information, deposit account information, and payment account information through the information registration interface (515).

If the terminal receives (or selects) collection target bill information including the customer information, bill information, deposit account information, and payment account information (520), the terminal establishes the financial network. The collection target bill information including the input (or selected) customer information, bill information, deposit account information, payment account information is transmitted to the server (525).

Thereafter, the server receives and reads the customer information, the bill information, the deposit account information, and the payment account information through the financial network to check the validity of the collected bill information.

According to an embodiment of the present invention, the validity confirmation of the collection target bill information is at least one or more matching with the collection target bill information in the ledger D / B 300 on the financial system associated with the collection target bill information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the collected bill information is matched with the customer ledger stored in the ledger D / B (300) on the financial system associated with the collection bill information registration system is the customer information included in the bill to be collected information It is preferable to include checking whether or not.

In addition, the validity of the bill information to be collected is the account ledger stored in the ledger D / B (300) on the financial system on the deposit account information included in the bill to be collected information information associated with the billing information registration system And if the deposit account information is provided at a financial institution other than a financial institution equipped with the bill information registration system, the external finance in connection with the collection target bill information registration system. It is preferably made to include matching with the account ledger stored in the ledger D / B 300 on the financial system provided in the institution.

In addition, the validity of the bill information to be collected includes the account ledger stored in the ledger D / B (300) on the financial system associated with the billing information information registration system is the payment account information included in the bill information to collect information; It is desirable to include checking that a match is found.

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

On the other hand, if the validity of the collected billing information is authenticated (535), the server performs an information registration procedure corresponding to the billing target information, thereby linking the customer information, billing information, deposit account information, payment account information. Processing is stored in a predetermined storage medium 130 (545).

According to an embodiment of the present invention, the storage medium 130 is preferably provided to the DBMS on the system to be collected (or associated with the collection target notification information registration system) on the DB notification system. In this case, the storage medium 130 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 is provided on (or associated with) the collection target bill information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a 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 (550), thereby completing the procedure of registering the collection target bill information transmitted from the terminal.

Figure 6 collects various bill information of the customer using at least one or more specifications for the exchange and distribution of data between the web site according to another embodiment of the present invention, the object of non-face-to-face collection for payment processing A diagram showing a bill information registration system.

In more detail, Figure 6 shows a customer using at least one or more standards (e.g., an extension language) for exchanging and distributing data between the web sites by a predetermined customer through a predetermined information registration interface. Collecting various bill information of the bill and providing the billing target bill information including at least one of customer information, bill information, deposit account information, and billing account information for payment processing; The present invention relates to a system configuration for processing the customer information, bill information, payment account information, payment account information included in the provided collection target bill information in a predetermined storage medium 630, and the present invention. Those skilled in the art can refer to and / or modify the web of FIG. Collect various bill information of customers using at least one standard (for example, extensibility language) for exchanging and distributing data between sites, and implement various methods of collecting bill information registration system for payment processing The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for storing, on the storage medium 630, the collection target notification information provided from the customer through a predetermined information registration interface on the collection target notification information registration system illustrated in FIG. 6. Components corresponding to the configuration are referred to as "information registration server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, various bill information of a customer is collected by using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites. The collection target bill information registration system for payment processing comprises an information registration terminal 635 including at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. In addition, the information registration terminal 635 is connected to the communication channel and the information registration server 600 provided on the collection target bill information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 600 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, Collect various bill information of the customer using at least one or more standards (e.g., an extensible generating language) for exchanging and distributing data between the web sites through at least one user interface provided by the information registration server 600, and When inputting (or selecting) collection target bill information for payment processing, the client terminal transmits information to the information registration server 600 provided on the collection target bill information registration system through a predetermined network means. It is preferable.

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 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 A wireless data communication terminal connected to the emitter, such as communication network preferably comprises at least one.

In addition, the information registration server 600 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 600 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication 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.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, and inputs and / or selects at least one or more information through the user interface to the information registration server 600. 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 600, 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 collection target bill information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one or more connecting the client terminal and the information registration server 600. A wired network and / or a wireless communication network collects various bill information of a customer using at least one or more standards (e.g., an extensible generating language) for exchanging and distributing data between the web sites, and processes payment for the customer. It performs the function of the information registration interface for registering the collection of bill information for the purpose.

According to another exemplary embodiment of the present invention, the information registration terminal 635 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. 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 collection target bill information registration system as described above, when the information registration terminal 635 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (not shown) and the The financial network connecting the information registration server 600 collects various bill information of the customer using at least one standard (eg, an extensible generating language) for exchanging and distributing data between the web sites. Performs a function of an information registration interface for registering collection target bill information for payment processing for the payment, and / or when the information registration terminal 635 is the call terminal (not shown), the call terminal (not shown) ) And a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the information registration server 600 to the customer. The function of the information registration interface for collecting various bill information of customers using at least one or more specifications (e.g., extensibility generation language) for exchange and distribution, and registering the bill information to be collected for payment processing. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 635 (not shown). And a network connecting the terminal (and / or server) (not shown) and the information registration server 600 to at least one specification (eg, an extensible generation language) for the customer to exchange and distribute data between the web sites. Information collection interface for collecting customer's various bill information and using registered bill information for payment and settlement process. It is.

The storage medium 630 provided on the collection target bill information registration system according to the present invention includes the customer information, bill information, deposit account information, included in the collection bill information provided from the information registration terminal 635; Characterized in that the payment account information is stored in a predetermined storage medium 630, and comprises at least one or more of the customer information, bill information, payment account information, payment account information stored in the storage medium 630. The collected bill information is used to collect various bill information of a customer using at least one or more standards (eg, an extensibility language) for exchanging and distributing data between the web sites, and is used for payment processing.

The customer information includes personal information of the customer (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) corresponding to the collection target bill information, member information of the customer (eg, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the collection target bill information registration system in response to the customer by joining the financial transaction customer of the financial institution. Number or the like), and the like.

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the collection target bill information registration system (or associated with the collection target bill information registration system), In this case, the storage medium 630 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, by which the present invention is not limited. .

According to another exemplary embodiment of the present invention, the storage medium 630 is provided on (or associated with) the collection target bill information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 600 provided on the collection target bill information registration system according to the present invention is a generic term for the collection target bill information registration system side components connected to the information registration terminal 635 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 635 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 600 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 to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 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 in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 may perform 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 of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 635 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 600 is A predetermined 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 included in the server (or device), and / or a server (or externally provided on the external 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 600 is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 635 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing 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. It is preferable.

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when 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 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

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

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a financial automation device connected to a predetermined financial network, the interface unit 605 is 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 the automated teller machine and 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 635 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 may use the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 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 information registration terminal 635 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the information registration server 600 connects a communication channel with the information registration server 600 through a predetermined information registration terminal 635 through the interface unit 605, and then the interface unit ( In operation 605, the information registration terminal 635 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined collection target bill information to the information registration terminal 635. An information receiving unit for receiving a predetermined collection target bill information that is input (or selected) and transmitted from the information registration terminal 635 through the user interface in association with the interface providing unit 610 and the interface unit 605 ( 615) and information stored in a predetermined storage medium 630 by processing the customer information, bill information, payment account information, and payment account information included in the received collection target bill information in association. It is characterized by comprising a storage unit 625.

The interface providing unit 610 is provided in the information registration terminal 635 after a predetermined information registration terminal 635 connects the communication channel with the information registration server 600 through the interface unit 605. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the collection target bill information and transmitting the information to the information registration server 600 through the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 605 to the information registration terminal 635 through the network means.

Thereafter, the information registration terminal 635 inputs (or selects) collection target bill information including at least one of the customer information, the bill information, the deposit account information, and the billing account information based on the user interface. (Or selected) the collected billing information is transmitted to the information registration server 600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 635 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 610 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 605 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may call the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 635 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 610 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

According to another embodiment of the present invention is provided with at least one user interface for inputting (or selecting) the collection target bill information to the information registration terminal 635 to the information registration server 600 through the network means. When a predetermined information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal 635 may be omitted, and the present invention is not limited thereto.

The information receiving unit 615 inputs (or selects) collection target bill information including at least one of customer information, bill information, deposit account information, and payment account information through the user interface at the information registration terminal 635. When transmitting through the network means, the collection target bill information is received in cooperation with the interface unit 605, and provides the received collection target bill information to the validity check unit 620.

The validity confirming unit 620 is a collection of bills received from the information registration terminal 635, the customer's various bills using at least one or more standards (eg, extensibility generation language) for data exchange and distribution between web sites It collects information and checks whether it satisfies the validity for payment processing.

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

For example, the validity check on the collected bill information confirms whether the customer information included in the collected bill information matches the customer ledger stored in the ledger D / B on the financial system associated with the collected bill information. It is preferable that it consists of including.

In addition, the validity check of the bill information to be collected is confirmed whether the deposit account information included in the bill information to be collected matches the account ledger stored in the ledger D / B on the financial system linked to the billing information registration system Preferably, the deposit account information is provided to a financial institution other than a financial institution equipped with the bill information registration system, and provided to an external financial institution in association with the collection target bill information registration system. It is preferable to include checking whether it matches with the account ledger stored in the ledger D / B on the financial system.

In addition, the validity check of the bill information to be collected is confirmed whether the payment account information included in the bill information to be collected matches the account ledger stored in the ledger D / B on the financial system linked to the billing information registration system It is preferable that it consists of including.

When the validity of the collection target bill information is confirmed, the information storage unit 625 processes the customer information, the bill information, the deposit account information, and the payment account information included in the collection target bill information by the storage medium 630. And the storage medium 630 is provided in the information registration server 600 or on the network associated with the information registration server 600. ) Is preferably stored in the storage medium 630 by processing the customer information, bill information, deposit account information, payment account information included in the received collection target bill information, the storage medium 630, the financial When provided in the DBMS provided on the system, the information storage unit 625 stores the customer information, bill information, deposit account information, payment account information included in the received collection target bill information It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

Figure 7 collects various bill information of customers using at least one or more specifications for data exchange and distribution between web sites according to an embodiment of the present invention, and on the financial system in a non-face-to-face manner for payment processing Figure is a view showing the configuration of the bill information collected in the ledger D / B provided in the DBMS.

In more detail, in FIG. 7, when the storage medium 630 shown in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the customer information and bill information are included in the ledger information provided in the ledger D / B. FIG. 7 illustrates a configuration of an information on an embodiment of a method of storing collected billing information including deposit account information and payment account information. 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 information construction methods for storing the collected bill information in the ledger D / B, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

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

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Account number, transaction number, date, point number, product type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, summary, CIF, etc. This includes transaction details.

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

Referring to FIG. 7, the information on the collection target bill provided through the collection target bill information registration system illustrated in FIG. 6 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, bill information, payment account information, payment account information.

The customer information includes personal information of the customer (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) corresponding to the collection target bill information, member information of the customer (eg, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the collection target bill information registration system in response to the customer by joining the financial transaction customer of the financial institution. Number or the like), and the like.

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

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

FIG. 8 collects various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to another embodiment of the present invention, and provides a financial system in a non-face-to-face manner for payment processing. FIG. 8 is a diagram illustrating a collection target bill information stored in a database associated with the ledger D / B 800 provided in the DBMS on the tablet.

In more detail, FIG. 8 shows an information structure for an implementation method in which the storage medium 630 shown in FIG. 6 is stored in a predetermined database processed in association with a ledger D / B 800 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 to link the collected bill information to the ledger D / B 800 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 8 shows that when it is not easy to store the collection target bill information in the ledger information of the ledger D / B 800 on the DBMS provided in the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B 800 or the system is not easy to expand due to the characteristics of the financial system), the collection target bill information is stored in a predetermined database instead of the ledger D / B 800. And, it shows an implementation method for storing the database and the ledger D / B (800) in association.

In addition, the database shown in FIG. 8 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, 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. 8, the database stores and stores the customer information, bill information, deposit account information, and payment account information included in the bill-to-bill information, and the bill-to-bill information is stored in the ledger D. It is preferable that the CIF number corresponding to the ledger information is further included in the collected bill information to be processed in conjunction with / B (800).

The customer information includes personal information of the customer (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) corresponding to the collection target bill information, member information of the customer (eg, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the collection target bill information registration system in response to the customer by joining the financial transaction customer of the financial institution. Number or the like), and the like.

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable to include at least one or more names, such as for the opened financial institution, it may be changed according to the intention and purpose of those skilled in the art.

FIG. 9 collects various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to another exemplary embodiment of the present invention, and banks in a non-face-to-face manner for payment processing. FIG. 7 is a diagram illustrating a collection target bill information stored in a DBMS provided in a server.

In more detail, FIG. 9 illustrates a predetermined banking system in which the storage medium 630 shown in FIG. 6 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment 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 banking server by referring to and / or modifying the drawing It is possible to infer a method of constructing information on the collection target bill 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. 9, a predetermined DBMS provided in the banking server may store and store customer information, bill information, deposit account information, and payment account information included in the collection target bill information.

The customer information includes personal information of the customer (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) corresponding to the collection target bill information, member information of the customer (eg, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the collection target bill information registration system in response to the customer by joining the financial transaction customer of the financial institution. Number or the like), and the like.

The bill information may include at least one bill, a bill, and a bill including at least one of electric, water, car, property, corporate, apartment, and Internet service fees issued by the customer for each period. It is preferable to include at least one or more of the name of the payer, the amount of payment, the payment number, the notice, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The deposit account information includes at least one of an account number, a deposit holder, a name of a financial institution in which the deposit account is opened, and the like, in response to the bill issued to the customer, the account number for the deposit account to deposit the payment amount for the settlement of the bill. It is preferable to include the above, and may be changed according to the intention and purpose of those skilled in the art.

The payment account information is the account number, the account holder, the payment account for the account in which the customer deposits the payment amount for depositing and depositing the payment amount to the deposit account when the customer pays the payment amount for the issued bill; It is preferable that the name includes at least one or more names for the financial institutions established and may be changed according to the intention and purpose of those skilled in the art.

FIG. 10 collects various bill information of a customer using at least one standard for exchanging and distributing data between web sites according to an embodiment of the present invention, and collects bills in a non-face-to-face manner for payment processing; A diagram illustrating a process of registering information.

In more detail, in FIG. 10, in the case where the information registration server 600 on the collection target bill information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means, the client After the terminal connects to the information registration server 600 and connects a communication channel for registering the collection target bill information according to the present invention, the customer information, bill information, to the information registration server 600 through the communication channel; When the collection target bill information including the payment account information, payment account information is transmitted, the customer information, bill information, deposit account information, payment account information included in the received collection target bill information from the information registration server 600 As an embodiment of the present invention relates to a method for storing the data in a predetermined storage medium 630 by linkage processing. Those skilled in the art will be able to infer various implementation methods for registering the collection target bill information from the client terminal to the information registration server 600 by referring to and / or modifying the drawing 10. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information, bill information, deposit account information, and payment account information transmitted to the server 600 are referred to as "collection target bill information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 6 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 mobile). At least one or more communication channels for accessing the server through a communication network, and / or an IEEE 802.16x-based portable Internet, and the like, for connecting the predetermined communication channel for registering the collected bill information, and for exchanging and distributing data between the web sites. When collecting various bill information of a customer using a standard (for example, an extensibility generation language), and requesting the collection target bill information registration for payment processing (1000), the server collects the bill information. A web page corresponding to a predetermined information registration interface for registration is generated (or extracted) (1005), and the communication channel is established. The generated (or extracted) web page is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) collection target bill information including at least one of the customer information, bill information, payment account information, and payment account information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) collection target bill information including at least one or more customer information, bill information, deposit account information, and payment account information through the information registration interface (1015).

If the terminal receives (or selects) the collection target bill information including the customer information, the bill information, the deposit account information, and the payment account information (1020) through the information registration interface, the terminal through the communication channel The input (or selected) customer information, bill information, payment account information, payment account information is transmitted to the server (1025).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, bill information, deposit account information, and payment account information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the collected target bill information to the server through an electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the bill information, the deposit account information, and the payment account information through the communication channel to confirm the validity of the collected bill information.

According to an exemplary embodiment of the present invention, checking the validity of the collection target notification information includes the collection target notification information when the collection target notification information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the collection target bill information.

According to an embodiment of the present invention, the validity confirmation of the collection target bill information is at least one or more matching the collection bill information to the ledger D / B 800 on the financial system associated with the collection target bill information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the collected bill information is matched with the customer ledger stored in the ledger D / B (800) on the financial system linked to the collected bill information information system, the customer information contained in the bill to be collected information It is preferable to include checking whether or not.

In addition, the validity of the bill information to be collected includes the account ledger stored in the ledger D / B (800) on the financial system linked to the billing account information registration system is the deposit account information included in the bill information to collect It is preferable to include a check if the match, and if the deposit account information is provided in a financial institution other than the financial institution equipped with the bill information registration system, an external financial institution in conjunction with the collection target bill information registration system It is preferably made to include matching with the account ledger stored in the ledger D / B 800 on the financial system provided in.

In addition, the validity of the bill information to be collected includes the account ledger stored in the ledger D / B (800) on the financial system associated with the billing account information registration system is the payment account information included in the billing information to be collected; It is desirable to include checking that a match is found.

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

On the other hand, if the validity of the collected bill information is authenticated (1035), the server performs the information registration procedure corresponding to the bill information of the collection, thereby linking the customer information, bill information, payment account information, payment account information In operation 1045, the process is stored in a predetermined storage medium 630.

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the collection target bill information registration system (or associated with the collection target bill information registration system), In this case, the storage medium 630 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 is provided on (or associated with) the collection target bill information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a 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 (1050), thereby completing the procedure of registering the collection target bill information transmitted from the terminal.

Figure 11a and Figure 11b is a non-face-to-face method for collecting a variety of bill information of customers using at least one or more specifications for the exchange and distribution of data between the web site according to another embodiment of the present invention, and for payment processing 2 is a diagram illustrating a process of registering information to be collected.

11a and 11b show the collection of bill information registration system shown in FIG. 6 in the case where the client terminal is based on TCP / IP in the non-face-to-face channel-based banking system. After connecting to the Internet banking server through a network (e.g., the Internet, etc.) and performing a predetermined customer authentication procedure, at least one specification (e.g., an extensibility generation language) for exchanging and distributing data between web sites at the client terminal Collecting the various bill information of the customer, etc., and including the customer information, bill information, deposit account information, payment account information, etc. to the Internet banking server, the predetermined collection target bill information for payment settlement processing therefor. When the collection target bill information is transmitted, the received information from the information registration server 600 The present invention relates to an implementation method of linking and processing customer information, bill information, deposit account information, and payment account information included in the target bill information in a predetermined storage medium 630, and includes general knowledge in the technical field to which the present invention pertains. Those having the same will be able to infer various implementation methods for registering the collection target billing information from the client terminal to the information registration server 600 by referring to and / or modifying the drawings 11a and 11b. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

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. 11A and 11B, the browser program Based on the implementation method for connecting the Internet banking-based financial transaction channel for registering the collection target bill information between the client terminal and the Internet banking server, but 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. 11A and 11B and between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal. Collector on Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for bill information registration, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registration of billing statement information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. The system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future include all kinds of non-face-to-channel based financial transactions, the technical configuration of the present invention is shown in FIG. It is by no means limited to the case of Internet banking shown in Fig. 11B.

11A and 11B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 600 is referred to as " server " for convenience.

11A and 11B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server communicates between the terminal and the server through the browser. (1105a), wherein 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. 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 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 (1110a).

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 mounted and / or updated in the terminal (1115a), 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 (1120a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (1125a), or if the terminal does not need to install and / or update the security module for internet banking (1115a), 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 (1130a), 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 provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel to decode the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm), and the information to be provided by the terminal to the server for registration of information to be collected (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and 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 also provided by the terminal to the server for registration of collection target bill information. Attach a predetermined digital signature to information (or data) and / or at least one When the encryption is transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or an encryption algorithm) corresponding to the encryption method (and / or encryption algorithm). Decoding algorithm) refers to 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 (1135a).

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 (1140a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1145a).

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), 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 (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where Internet banking The base financial transaction channel collects various bill information of a customer using at least one or more standards (e.g., an extensible generating language) for exchanging and distributing data between websites from the terminal to the server, and pays for the payment. It means a communication channel that can transmit and register predetermined collection target bill information for processing.

Subsequently, when the terminal requests internet banking-based collection target bill information registration to the server through the inter-banking-based financial transaction channel for registration of the collection target bill information (1100b), the server registers the collection target bill information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (1105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1110b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) collection target bill information including at least one of customer information, bill information, payment account information, and payment account information in the terminal. And / or secure a predetermined password (e.g., account password, etc.) and / or security to verify the validity of the internet banking customer requesting registration of the collected bill information and / or the collected bill information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Interface to enter one OTP authenticator (or one-time password generated by OTP authenticator) It is preferable to further contain an ear.

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

Thereafter, the terminal inputs (or selects) collection target bill information including at least one of the customer information, bill information, payment account information, and payment account information through the information registration interface (1115b).

If the terminal receives (or selects) the collection target bill information including the customer information, the bill information, the deposit account information, and the payment account information through the information registration interface (1120b), the terminal selects the financial transaction channel. The input (or selected) collected billing statement information is transmitted to the server (1125b).

According to an embodiment of the present invention, transmitting the collected bill information to the server through the financial transaction channel, the collected bill information is input (or selected) through the information registration interface. 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 collected bill information through the financial transaction channel to confirm the validity of the collected bill information (1130b).

According to an exemplary embodiment of the present invention, checking the validity of the collection target notification information includes the collection target notification information when the collection target notification information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the collection target bill information.

In addition, the verification of the validity of the collected bill information, it is preferable to further comprise the authentication of the password and / or security code and / or OTP included in the bill to be collected information.

According to an embodiment of the present invention, the validity confirmation of the collection target bill information is at least one or more matching the collection bill information to the ledger D / B 800 on the financial system associated with the collection target bill information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the collected bill information is matched with the customer ledger stored in the ledger D / B (800) on the financial system linked to the collected bill information information system, the customer information contained in the bill to be collected information It is preferable to include checking whether or not.

In addition, the validity of the bill information to be collected includes the account ledger stored in the ledger D / B (800) on the financial system linked to the billing account information registration system is the deposit account information included in the bill information to collect It is preferable to include a check if the match, and if the deposit account information is provided in a financial institution other than the financial institution equipped with the bill information registration system, an external financial institution in conjunction with the collection target bill information registration system It is preferably made to include matching with the account ledger stored in the ledger D / B 800 on the financial system provided in.

In addition, the validity of the bill information to be collected includes the account ledger stored in the ledger D / B (800) on the financial system associated with the billing account information registration system is the payment account information included in the billing information to be collected; It is desirable to include checking that a match is found.

If the validity of the collection target bill information is not authenticated (1135b), the server generates a web page including a predetermined collection target bill information registration error information and transmits it to the terminal (1140b), and the collection target bill Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the collected billing information is authenticated (1135b), the server performs an information registration procedure corresponding to the billing information, the customer information, billing information, deposit account included in the billing information The information and payment account information are cooperatively processed and stored in the predetermined storage medium 630 (1145b).

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the collection target bill information registration system (or associated with the collection target bill information registration system), In this case, the storage medium 630 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 is provided on (or associated with) the collection target bill information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined collection target bill information registration history information and transmits the generated web page to the terminal (1150b), thereby completing the collection target bill information registered from the terminal.

Figure 12 illustrates a non-face-to-face approach to payment processing after customer approval for bills collected using at least one specification (e.g., extensibility language) for the exchange and distribution of data between web sites in accordance with an embodiment of the present invention. It is a figure which shows the bill processing system.

More specifically, FIG. 12 illustrates that when a predetermined customer registers collection target bill information including at least one of customer information, bill information, deposit account information, and payment account information, the customer corresponding to the registered collection target bill information After collecting various bill information, providing the collected bill information through a predetermined bill providing interface, and then, data between web sites that process billing for the bill through a payment processing interface output in a predetermined area on the bill providing interface. The present invention relates to the configuration of a non-face-to-face bill processing system for payment processing after customer approval for bills collected using at least one specification (eg, extensibility generation language) for exchange and distribution. If one of ordinary skill in the art, see Figure 12 and To infer various implementations of the bill processing system configuration for payment processing after customer approval for bills collected using at least one specification (e.g., extensibility language) for the exchange and distribution of data between websites. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the billing information provided from the customer through a predetermined bill providing interface on the bill processing system shown in FIG. 12 with respect to the collection target bill information registered through the collection target bill information registration system shown in FIG. At least one means and function configuration for providing financial transactions for payment processing after customer approval of bills collected using at least one specification (e.g., extensibility language) for the exchange and distribution of data between the web sites. The corresponding component is referred to as a "bill processing server 1200" for convenience, and the bill processing server 1200 in the present Figure 12 providing the non-face-to-face financial transaction service is an internet banking server, a wireless banking server, a home banking. All types of face-to-face banks, including at least one server, widget banking server, etc. It comprises a server is desirable.

Referring to FIG. 12 in accordance with an embodiment of the present invention, payment processing after customer approval for a bill collected using at least one specification (eg, extensibility language) for exchanging and distributing data between the web sites is provided. The bill processing system for a customer includes a customer terminal 1245 including at least one client terminal including at least one wired terminal or a wireless terminal used by a customer, and a wired communication network or a wireless communication network to which the customer terminal 1245 is connected. And a network means corresponding to the at least one bill, which is connected to the customer terminal 1245 via the network means and collected using at least one standard (e.g., an extensible language) for exchanging and distributing data between the web sites. Bill processing server 1200 for processing financial transactions for payment processing after customer approval and Characterized in that comprises a financial system that is based payment account opening.

The financial system that processes the at least one financial transaction service through the withdrawal account in connection with the bill processing server 1200 includes at least one window terminal and a predetermined financial network provided at a branch (or a branch) of the financial institution. It is characterized in that connected through (eg, our network), and provides a financial transaction service of the face-to-face manner for at least one financial transaction customer through the window terminal.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network connected to a TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, IEEE 802.11x-based wireless LAN, or HSDPA At least one client terminal (eg, a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to a wireless network based on an 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 or a mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined widget banking server, the network connected to the TCP / IP-based backbone network through the widget banking server (eg, wired Internet, IEEE 802.11x-based wireless LAN, or HSDPA At least one client terminal (eg, a personal computer (PC) or laptop equipped with the wired Internet access and widget functions) connected to a wireless network based on an 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 or portable terminal equipped with access and widget functions.

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, or HSDPA based wireless communication network, through the wireless banking server, Or at least one wireless terminal (eg, a personal communication system (PCS) or a GSM (Global) having access and browsing functions connected to the mobile communication network) connected to an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless data communication network. A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a system for mobile terminal or a personal digital assistant (PDA) or a smart phone or telematics.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one 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. 12, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. And the ledger information corresponds to the withdrawal account. It characterized by comprising a predetermined account ledger.

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

According to an embodiment of the present invention, the customer accesses the bill processing server 1200 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the bill is Payment processing after customer approval for bills collected using at least one specification (e.g., extensibility generation language) for the exchange and distribution of data between the web sites via at least one user interface provided by processing server 1200 When the bill payment request information is input (or selected) for, the client terminal preferably transmits through the predetermined network means to the bill processing server 1200 provided on the bill processing 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 a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. desirable.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a code division multiple access (CDMA) based mobile communication network, or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics), or a wireless terminal connected to an HSDPA-based wireless network, Or at least one portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network.

In addition, the bill processing server 1200 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or a widget banking server according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for the financial transaction.

The network means for connecting the client terminal and the bill processing server 1200 may be a CDMA based mobile communication network or an HSDPA based wireless communication network or an IEEE 802.16x based portable Internet or DataTAC depending on the type of wireless communication network to which the client terminal is connected. / Mobitex-based wireless data communication network or any one of the future, including a predetermined wireless interval is preferably made to include a wireless communication network.

In addition, the client terminal outputs at least one or more user interfaces provided by the bill processing server 1200, and inputs and / or selects at least one or more information through the user interface to the bill processing server 1200. 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 bill processing server 1200, etc.) is provided.

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

In the bill processing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the bill processing server 1200, and And / or the wireless communication network collects bill payment request information for payment processing after customer approval for bills collected by the customer using at least one or more specifications (e.g., extensibility language) for exchanging and distributing data between the web sites. Performs the function of the financial transaction interface to register.

According to another exemplary embodiment of the present invention, the customer terminal 1245 may, in addition to the client terminal, have an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, 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 the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the bill processing system as described above, when the customer terminal 1245 is the financial automated device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the bill processing server ( 1200, the financial network connecting the bill payment for billing processing after customer approval of bills collected by the customer using at least one or more specifications (e.g., extensibility language) for the exchange and distribution of data between the web sites. Perform a function of a financial transaction interface for registering request information, and / or when the customer terminal 1245 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) And a wireline network and / or a wireless telephone network connecting the bill processing server 1200 to at least one of the clients for data exchange and distribution between the web sites. Perform a function of a financial transaction interface for registering bill payment request information for payment processing after customer approval for bills collected using the above specification (eg, an extensibility generation language), and / or the customer terminal 1245 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) ) And the network connecting the bill processing server 1200 after the customer approves the bill collected by the customer using at least one or more specifications (e.g., extensibility generation language) for data exchange and distribution between the web sites. Functions as a financial transaction interface for registering bill payment request information for payment processing.

The bill processing server 1200 provided on the bill processing system according to the present invention is a generic term for the bill processing system side components connected to the customer terminal 1245 through a predetermined network means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer terminal 1245 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 bill processing server 1200 may 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 provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device), and / or a program provided to the outside world on the financial system. Not determined

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the bill processing server 1200 may be configured as the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the bill processing server 1200 is the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the customer terminal 1245 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the bill processing server 1200 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The bill processing server 1200 from the customer terminal 1245 for payment processing after customer approval for bills collected using at least one specification (e.g., extensibility generation language) for data exchange and distribution between the web sites. The bill payment request information to be sent) is characterized in that it comprises at least one predetermined bill payment request information.

The withdrawal account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the customer's name, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the withdrawal account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and is in charge of the withdrawal account) Name, contact person code, etc.) may be further included.

The bill payment information is withdrawn from the withdrawal account for payment processing after customer approval for bills collected using at least one specification (e.g., extensibility language) for data exchange and distribution between the web sites. Characterized in that it comprises a transaction amount, characterized in that the bill payment amount does not exceed the balance (or withdrawable amount) deposited in the withdrawal account.

The payment approval information is confidentiality of the financial transaction for payment processing after customer approval of a bill collected using at least one specification (eg, extensibility generation language) for data exchange and distribution between the web sites. ), Information for securing at least one validity of Authentication, Integrity, and Nonrepudiation, including at least one password corresponding to the withdrawal account, or at least one password corresponding to the financial transaction. Characterized in that made.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in Figure 12, the payment approval information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the withdrawal account, and / or It is preferable to further comprise an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in FIG. 12, the payment approval information may be linked to the customer terminal 1245 (or an integrated circuit (IC) card reader provided in the customer terminal 1245). Encrypting the bill payment request information based on the official certificate information provided on the IC card or at least one encryption key included in the certificate, or attaching the electronic signature of the customer to the bill payment request information. It is preferable that it further comprises.

The bill payment account information may be collected by the customer for payment after the customer's approval of the bill collected using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites. Withdraw the amount corresponding to the bill payment amount information from the withdrawal account, and comprises the account number (or financial account alias, etc.) of the deposit account for depositing the withdrawn amount, according to the intention of the skilled person Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the withdrawal account), financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), At least one contact information (for example, the name of the person responsible for opening and withdrawing the withdrawal account, the contact person code, etc.) may further include at least one. All.

According to the method of the present invention, the bill processing server 1200 is provided with an interface unit 1205 for connecting and managing a predetermined communication channel with the customer terminal 1245 through the network means. .

According to an exemplary embodiment of the present invention, when the customer terminal 1245 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 1205 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless 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 transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1205 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 bill processing server 1200, the interface unit 1205 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 customer terminal 1245 is a financial automation device connected to a predetermined financial network, the interface unit 1205 is 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 a device and 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 customer terminal 1245 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1205 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1205 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the bill processing server 1200, the interface unit 1205 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1205 may include the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides 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 customer terminal 1245 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1205 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 12, the bill processing server 1200 connects a communication channel with the bill processing server 1200 through a predetermined customer terminal 1245 through the interface unit 1205 or through the communication channel. When requesting a financial transaction for payment processing after customer approval for a bill collected using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites, the interface unit 1205 and The interface providing unit 1210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined bill payment request information from the customer terminal 1245 and providing the same to the customer terminal 1245. And a predetermined terminal-side banking program including the user interface in the customer terminal 1245. In comparison, the interface providing unit 1210 may be replaced with a bill information providing unit for providing information corresponding to the bill collected by the bill processing server 1200.

The interface providing unit 1210 has a function configuration provided in the customer terminal 1245 after a predetermined customer terminal 1245 connects a communication channel with the bill processing server 1200 through the interface unit 1205. Generate a predetermined user interface capable of inputting (or selecting) the bill payment request information to the bill processing server 1200 via the network means, and / or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface to the customer terminal 1245 through the network means in association with the interface unit 1205.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the bill payment request information preferably includes a bill payment selection interface for selecting one of at least one bill in the user interface.

According to an embodiment of the present invention, if the customer terminal 1245 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 1210 may include Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 1205. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a financial automation device connected to a predetermined financial network, the interface providing unit 1210 is provided as a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1210 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1210 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 1205 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1245 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1210 may include the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1205. .

According to another embodiment of the present invention at least one user interface for inputting (or selecting) the bill payment request information to the customer terminal 1245 and transmitting it to the bill processing server 1200 through the network means ( For example, when a predetermined terminal-side banking program having a bill payment interface) is provided, the interface providing unit 1210 for providing the user interface to the customer terminal 1245 may be omitted, thereby providing the present invention. It is not limited.

According to an embodiment of the present invention, the user interface includes an interface function for inputting (or selecting) bill payment request information including at least one bill payment request information and transmitting the bill bill request information to the bill processing server 1200. It is preferable.

According to an embodiment of the present invention, the web page for inputting the bill payment request information comprises an interface (eg, bill payment interface) for inputting (or selecting) bill payment request information and at least one bill payment request information. It is preferable.

According to an embodiment of the present invention, the user interface (eg, bill payment interface) included in the web page for inputting the bill payment request information is preferably output together with information of the billing institution that billed the bill.

According to another embodiment of the present invention, the user interface (eg, bill payment interface) included in the web page for inputting the bill payment request information is different from the information of the billing institution that billed the bill (that is, Output to a popup window).

Referring to FIG. 12, the bill processing server 1200 collects at least one of customer information, bill information, deposit account information, and payment account information registered through the collection target bill information registration system illustrated in FIG. 1. An information collection unit 1220 (or information collection means) for collecting at least one bill in response to the target bill information, and a bill including at least one bill payment request information in the user terminal 1245 through the user interface; When the payment request information is input (or selected) and transmitted, an information receiving unit 1215 (or information receiving) for receiving the bill payment request information including at least one bill payment request information in association with the interface unit 1205. Means) and validity of the bill payment request information included in the received bill payment request information. At least one or more standards for exchanging and distributing data between the web sites based on the validity checking unit 1230 (or validating means) for confirming and the billing request information validated in association with the financial system. In connection with the financial transaction processing unit 1235 (or financial transaction processing unit) and the financial transaction processing unit 1235 that process a financial transaction for payment processing after customer approval for the collected bill using a scalable generation language). Generate predetermined financial transaction result information for a financial transaction for payment processing after customer approval of a bill collected using at least one specification (e.g., an extensible language) for exchanging and distributing data between the websites; The information transmission for transmitting the financial transaction result information to the customer terminal 1245 in association with the interface unit 1205. 1225 is characterized in that obtained by having a (or information transmission means).

The customer terminal 1245 inputs (or selects) bill payment request information including at least one bill payment request information through the user interface and transmits the bill payment request information to the bill processing server 1200 through the network means. It features.

The information collecting unit 1220 may include at least one customer bill, bill information, deposit account information, and payment account information registered through the collection target bill information registration system illustrated in FIG. 1. The at least one bill is collected in response to the collected bill information.

According to an embodiment of the present invention, the method for collecting the bill includes at least one standard (e.g., for exchanging and distributing data between websites between the bill processing server 1200 and a predetermined bill issuing server 1240). 1 through a communication channel using at least one standard (e.g., an extensibility generation language) for exchanging and distributing data between the connected web sites. It is preferable to collect at least one bill corresponding to the collected bill information including at least one of customer information, bill information, deposit account information, payment account information registered through the illustrated collection target bill information registration system, The collected information is provided to the customer terminal 1245 in association with the interface provider 1210. It is preferred.

The information receiving unit 1215 inputs (or selects) bill payment request information including at least one bill payment request information through the user interface through the user interface, and transmits it through the network means. The bill payment request information is received in connection with the unit 1205, and the received bill payment request information is provided to the validity verification unit 1230.

The withdrawal account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the customer's name, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the withdrawal account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and is in charge of the withdrawal account) Name, contact person code, etc.) may be further included.

The bill payment information is withdrawn from the withdrawal account for payment processing after customer approval for bills collected using at least one specification (e.g., extensibility language) for data exchange and distribution between the web sites. Characterized in that it comprises a transaction amount, characterized in that the bill payment amount does not exceed the balance (or withdrawable amount) deposited in the withdrawal account.

The payment approval information is confidentiality of the financial transaction for payment processing after customer approval of a bill collected using at least one specification (eg, extensibility generation language) for data exchange and distribution between the web sites. ), Information for securing at least one validity of Authentication, Integrity, and Nonrepudiation, including at least one password corresponding to the withdrawal account, or at least one password corresponding to the financial transaction. Characterized in that made.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in Figure 12, the payment approval information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the withdrawal account, and / or It is preferable to further comprise an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in FIG. 12, the payment approval information may be linked to the customer terminal 1245 (or an integrated circuit (IC) card reader provided in the customer terminal 1245). Encrypting the bill payment request information based on the official certificate information provided on the IC card or at least one encryption key included in the certificate, or attaching the electronic signature of the customer to the bill payment request information. It is preferable that it further comprises.

The bill payment account information may be collected by the customer for payment after the customer's approval of the bill collected using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites. Withdraw the amount corresponding to the bill payment amount information from the withdrawal account, and comprises the account number (or financial account alias, etc.) of the deposit account for depositing the withdrawn amount, according to the intention of the skilled person Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the withdrawal account), financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), At least one contact information (for example, the name of the person responsible for opening and withdrawing the withdrawal account, the contact person code, etc.) may further include at least one. All.

The validity check unit 1230 is a bill collected from the customer terminal 1245 bill request information is collected by using at least one specification (eg, extensibility generation language) for the exchange and distribution of data between the Web site. It is characterized by checking whether the validity for payment processing after customer approval is satisfied.

According to an embodiment of the present invention, the validity of the bill payment request information is determined by the account ledger for the financial account corresponding to the withdrawal account information included in the bill payment request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the withdrawal account is provided. If the account ledger (or the customer ledger corresponding to the withdrawal account) is provided, the validity of the bill payment request information is authenticated. It is preferable to be.

In addition, the validity check of the bill payment request information includes the amount deposited in the withdrawal account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the withdrawal account) in the bill payment request information. It is preferable to include whether the bill is greater than the bill payment amount, and if the withdrawal account balance is greater than the bill payment amount, it is preferable that the validity of the bill payment request information is authenticated.

In addition, the validity check of the bill payment request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the withdrawal account corresponding to the payment approval information included in the bill payment request information And comparing the various passwords (or associated) with each other, and checking whether the various passwords corresponding to the payment approval information match. If the various passwords corresponding to the payment approval information match, the bill payment request is made. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face bill processing system shown in FIG. 12, when the payment approval information further includes predetermined security code information, the validity check on the bill payment request information is performed with the security code information. Security code corresponding to the payment authorization information, in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the withdrawal account It is preferable to include whether the information is matched, and if the security code information corresponding to the payment approval information is matched, it is preferable that the validity of the bill payment request information is authenticated.

In addition, in the case of the non-face-to-face bill processing system shown in FIG. 12, when the payment approval information further includes a predetermined OTP code, the validity check on the bill payment request information is performed by the OTP code and the customer. Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the payment approval information is the OTP authentication code It is preferable that the verification is made, and if the OTP code corresponding to the payment approval information is matched with the OTP authentication code, the validity of the bill payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face bill processing system shown in FIG. 12, the bill payment request information is provided with a predetermined encryption key (for example, an encryption key provided in the customer terminal 1245, or an authorized certificate issued to a customer). When encrypted with the included encryption key), the validity check of the bill payment request information decrypts the encrypted bill payment request information (or at least one or more financial transaction information contained in the bill payment request information), It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the bill payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face bill processing system shown in FIG. 12, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to a customer) is included in the bill payment request information. In this case, the validity check of the bill payment request information confirms the electronic signature of the customer with respect to the bill payment request information (or at least one or more financial transaction information included in the bill payment request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the bill payment request information is verified when the electronic signature of the customer is confirmed.

In addition, the validity of the bill payment request information is confirmed in the account ledger for the financial account corresponding to the bill payment account information included in the bill payment request information in the ledger D / B on the financial system (or external financial system) (Or a customer ledger corresponding to a bill payment account), and if the account ledger (or a customer ledger corresponding to the bill payment account) is provided It is preferable that the validity of the payment amount information is authenticated.

When the validity of the bill payment request information is confirmed, the financial transaction processing unit 1235 is based on the bill payment request information included in the bill payment request information in connection with a financial system equipped with an account ledger corresponding to the withdrawal account. By using at least one or more specifications (e.g., extensibility language) for the exchange and distribution of data between the Web site, characterized in that for processing the financial transaction for payment processing after customer approval for the collected bill.

According to the implementation method of the present invention, the financial transaction processing unit 1235 withdraws the amount corresponding to the bill payment amount information from the account ledger corresponding to the withdrawal account information included in the bill payment request information in connection with the financial system. It is preferable to process the deposit and deposit the withdrawal amount into an account corresponding to the bill payment account information.

When the financial transaction for payment processing is processed by the financial transaction processing unit 1235 after the customer approval for the bill collected using at least one or more specifications (e.g., an extensibility language) for exchanging and distributing data between the web sites. In addition, the information transmitter 1225 may be connected to the financial transaction processor 1235 for the customer collected on the bill collected using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites. Generate a financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the financial transaction for payment processing after approval, and includes the financial transaction processing history in connection with the interface unit 1205. The financial transaction result information may be transmitted to the customer terminal 1245 through the network means.

The financial transaction processing history may include the withdrawal account information, the bill payment amount information, and the bill payment amount deposit account information, and further including an approval code (or an error code) for the financial transaction. Characterized in that made.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the customer terminal 1245 through the network means, wherein the financial transaction result information is the bill payment request. It is preferable that the information is encrypted similarly to the information or transmitted to the customer terminal 1245 with the electronic signature of the financial institution attached.

Figure 13 illustrates a post-approval payment process for bills collected using at least one specification (e.g., extensibility language) for exchanging and distributing data between websites in a non-face-to-face manner in accordance with one embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for.

More specifically, FIG. 13 illustrates a case where the bill processing server 1200 on the bill processing system illustrated in FIG. 12 includes a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. The bill payment request information including the bill payment request information is connected to the bill processing server 1200 and connected to the bill processing server 1200 through the communication channel. At least one standard (e.g., an extensibility generation language) for exchanging and distributing data between the web sites by using the bill payment request information included in the received bill payment request information at the bill processing server 1200 when transmitting. To provide financial transactions for payment processing after customer approval of bills collected using As for a method of implementation, one of ordinary skill in the art to which the present invention pertains may refer to at least one specification for exchanging and distributing data between websites in a non-face-to-face manner by referring to and / or modifying this drawing. For example, it may be possible to infer various implementation methods for processing a financial transaction for payment processing after customer approval of collected bills using extensibility generation language). It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the client terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the bill processing server 1200 shown in FIG. 12 is called "server" for convenience.

Referring to Figure 13, the terminal shown in Figure 12 is a predetermined network means (e.g., if the terminal is a wired terminal, TCP / IP based wired communication network, if the terminal is a wireless terminal, CDMA based mobile communication network, and And / or at least one specification (e.g., an extensible generation language) for exchanging and distributing data between the web sites by accessing the server via an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, etc.). When requesting a financial transaction for payment processing after customer approval of the collected bill (w00), the server correspondingly generates at least one or more specifications (e.g., an extensible generation language) for exchanging and distributing data between the web sites. Bill billing request information including at least one bill billing request information for payment processing after customer approval for bills collected by using Inputs and outputs and transmits it to the terminal (or selected) to generate a web page including a user interface (or extraction) via the communication channel (w05).

According to an embodiment of the present invention, the user interface for inputting (or selecting) the bill payment request information preferably includes a bill payment selection interface for selecting one of at least one bill in the user interface.

According to the exemplary embodiment of the present invention, the web page is transmitted and / or outputted to the terminal. Preferably, the web page is performed at least once according to the procedure of providing the user interface and transmitting / receiving the bill payment request information. Not.

Thereafter, the terminal inputs (or selects) bill payment request information including at least one bill payment request information through the user interface (w10).

If the bill is input (or selected) bill payment request information including the bill payment request information through the user interface (w15), the terminal is bill input request (or selected) through the communication channel Transmitting information to the server (w20), and transmitting the bill payment request information input (or selected) from the terminal to the server through the communication channel, a bill input (or selected) through the user interface; It is preferable that the payment request information further comprises a digital signature and / or encryption through a security module (not shown) provided in the terminal to transmit to the server.

Here, the withdrawal account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the withdrawal account) according to the intention of the skilled person CIF (Customer Information File) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g., opening and withdrawing account) A contact person name, a contact person code, etc.).

The bill payment information is withdrawn from the withdrawal account for payment processing after customer approval for bills collected using at least one specification (e.g., extensibility language) for data exchange and distribution between the web sites. Characterized in that it comprises a transaction amount, characterized in that the bill payment amount does not exceed the balance deposited in the withdrawal account.

The payment approval information is confidentiality of the financial transaction for payment processing after customer approval of a bill collected using at least one specification (eg, extensibility generation language) for data exchange and distribution between the web sites. ), Information for securing at least one validity of Authentication, Integrity, and Nonrepudiation, including at least one password corresponding to the withdrawal account, or at least one password corresponding to the financial transaction. Characterized in that made.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in Figure 12, the payment approval information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the withdrawal account, and / or It is preferable to further comprise an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in FIG. 12, the payment approval information may be linked to the customer terminal 1245 (or an integrated circuit (IC) card reader provided in the customer terminal 1245). Encrypting the bill payment request information based on the official certificate information provided on the IC card or at least one encryption key included in the certificate, or attaching the electronic signature of the customer to the bill payment request information. It is preferable that it further comprises.

The bill payment account information is withdrawn by the customer for payment processing after customer approval for bills collected using at least one or more specifications (e.g., extensibility language) for data exchange and distribution between the web sites. Withdraw the amount corresponding to the bill payment amount information from the account, and comprises the account number (or financial account alias, etc.) of the deposit account for depositing the withdrawn amount, according to the intention of the skilled person Information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the withdrawal account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact person It may further include at least one information (for example, the name of the person in charge of opening and withdrawing the account, the person in charge code, etc.) All.

Thereafter, the server receives and reads bill payment request information including at least one bill payment request information through the communication channel to confirm validity of the bill payment request information (w25), and the bill bill request information Checking the validity of, if the bill payment request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the bill payment request information is decrypted, and / or the bill Preferably, the method further includes decoding the payment request information.

According to an embodiment of the present invention, the validity of the bill payment request information is determined by the account ledger for the financial account corresponding to the withdrawal account information included in the bill payment request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the withdrawal account is provided. If the account ledger (or the customer ledger corresponding to the withdrawal account) is provided, the validity of the bill payment request information is authenticated. It is preferable to be.

In addition, the validity check of the bill payment request information includes the amount deposited in the withdrawal account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the withdrawal account) in the bill payment request information. It is preferable to include whether the bill is greater than the bill payment amount, and if the withdrawal account balance is greater than the bill payment amount, it is preferable that the validity of the bill payment request information is authenticated.

In addition, the validity check of the bill payment request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the withdrawal account corresponding to the payment approval information included in the bill payment request information And comparing the various passwords (or associated) with each other, and checking whether the various passwords corresponding to the payment approval information match. If the various passwords corresponding to the payment approval information match, the bill payment request is made. It is desirable that the validity of the information be authenticated.

In addition, when the non-face-to-face bill processing system shown in FIG. 12 includes certain security code information in the payment approval information, the validity check on the bill payment request information is performed by the security code information. And a security code corresponding to the payment authorization information in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the withdrawal account. It is preferable to include whether the information is matched, and if the security code information corresponding to the payment approval information is matched, it is preferable that the validity of the bill payment request information is authenticated.

In addition, in the case of the non-face-to-face bill processing system shown in FIG. 12, when the payment approval information further includes a predetermined OTP code, the validity check on the bill payment request information is performed by the OTP code and the customer. Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the payment approval information is the OTP authentication code It is preferable that the verification is made, and if the OTP code corresponding to the payment approval information is matched with the OTP authentication code, the validity of the bill payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face bill processing system shown in FIG. 12, the bill payment request information is provided with a predetermined encryption key (for example, an encryption key provided in the customer terminal 1245, or an authorized certificate issued to a customer). When encrypted through the included encryption key), the validity check of the bill payment request information decrypts the encrypted bill payment request information (or at least one or more financial transaction information included in the bill payment request information), It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the bill payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face bill processing system shown in FIG. 12, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to a customer) is included in the bill payment request information. In this case, the validity check of the bill payment request information confirms the electronic signature of the customer with respect to the bill payment request information (or at least one or more financial transaction information included in the bill payment request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the bill payment request information is verified when the electronic signature of the customer is confirmed.

In addition, the validity of the bill payment request information is confirmed in the account ledger for the financial account corresponding to the bill payment account information included in the bill payment request information in the ledger D / B on the financial system (or external financial system) (Or a customer ledger corresponding to a bill payment account), and if the account ledger (or a customer ledger corresponding to the bill payment account) is provided It is preferable that the validity of the payment amount information is authenticated.

If the validity of the bill payment request information is not authenticated (w30), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (w35), and the communication channel. The financial transaction result information including the financial transaction processing history is transmitted to the terminal (w55), and in response, the terminal outputs the financial transaction result including the financial transaction processing history (w60).

On the other hand, if the validity of the bill payment request information is authenticated (w30), the server is linked to the financial system equipped with an account ledger corresponding to the withdrawal account based on the bill payment request information included in the bill payment request information A financial transaction for payment processing after customer approval of the collected bill is processed using at least one specification (eg, an extensibility generation language) for data exchange and distribution between the web sites (w40).

According to the implementation method of the present invention, the server withdraws the amount corresponding to the bill payment amount information from the account ledger corresponding to the withdrawal account information included in the bill payment request information in connection with the financial system, the withdrawal It is preferable to deposit the amount of money to the account corresponding to the bill payment account information.

If the financial transaction corresponding to the bill payment request information is processed (w45), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (W50), and transmits financial transaction result information including the financial transaction processing history to the terminal through the communication channel (w55), and correspondingly, the terminal transmits the financial transaction result including the financial transaction processing history. Output the screen (w60).

Figures 14a and 14b illustrate a financial transaction for payment processing after customer approval for bills collected using at least one specification for data exchange and distribution between web sites in a non-face-to-face manner in accordance with another embodiment of the present invention. It is a figure which shows the process of processing.

In more detail, FIGS. 14A and 14B illustrate a case where the bill processing system illustrated in FIG. 12 is realized through an Internet banking system among non-face-to-face channel-based banking systems. Accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, and then using at least one standard (eg, an extensibility generating language) for exchanging and distributing data between web sites at the client terminal. When the bill payment request information including the bill payment request information is transmitted to the Internet banking server, the bill payment request information for payment processing after the customer approval for the collected bill is transmitted, and the bill processing server 1200 By using the bill payment request information included in the received bill payment request information. The present invention relates to a method for providing a financial transaction for payment processing after customer approval of a bill collected using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites. Those skilled in the art may refer to and / or modify the drawings 14a and 14b to provide at least one specification (e.g., for exchanging and distributing data between websites in a non-face-to-face manner other than the Internet banking). It is possible to infer various implementation methods for the process of processing financial transactions for payment processing after customer approval for the collected bill using the extensibility generation language), but the present invention includes all the implementation methods inferred above. The present invention is not limited to the implementation method shown in FIG.

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.) included in the client terminal in FIGS. 14A and 14B, the browser program is used. Based on the embodiment of the method of connecting the Internet banking-based financial transaction channel for registering bill payment request information between the client terminal and the Internet banking server, but if the person of ordinary skill in the art Referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14A and 14B, between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Notice on Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of payment request information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 14A and 14B, in addition to the Internet banking system, and a telebanking system. And / or at least one or more specifications (e.g., an extensible generation language) for exchanging and distributing data between the web sites in other types of non-face-to-face banking systems of any kind, including at least one wireless banking system and / or a TV banking system. Although it may be possible to infer an implementation method of connecting a financial transaction channel corresponding to each non-face-to-face channel for financial transaction processing for payment processing after customer approval of the collected bill using the present invention. / Or wireless banking system and / or TV banking system and / or future non-face-to-face channel banking Includes a non-face-to-face channel based financial transactions of all kinds, including the stem, it is a technical configuration of the present invention is not limited to the case of the Internet banking illustrated in the drawing figures 14a and 14b in no way.

In the following figures 14a and 14b, the client terminal is referred to as " terminal " for convenience, and the internet banking server corresponding to the bill processing server 1200 is referred to as " server "

Referring to FIGS. 14A and 14B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server communicates between the terminal and the server through the browser. (1405a), wherein 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. 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 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 (1410a).

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 mounted and / or updated in the terminal (1415a), 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 (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), 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 (1430a), 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 provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel 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 from the terminal to the server for registration of billing request information. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and 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 is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registration of billing request information. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one Encrypting and transmitting using an encryption method (and / or an encryption algorithm) on the server, the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode 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 (1435a).

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, and the server includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Data is preferably transmitted electronically and / or encrypted over 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 (1440a), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1445a).

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel capable of transmitting the bill payment request information including at least one bill payment request information from the terminal to the server to process the internet banking based financial transaction in the server.

Thereafter, the terminal performs payment processing after customer approval for bills collected using at least one standard (eg, an extensibility language) for exchanging and distributing data between the web sites to the server through the financial transaction channel. Request an internet banking-based financial transaction for the transaction (1400b), and in response, the server requests a customer for a bill collected using at least one specification (e.g., an extensible generation language) for exchanging and distributing data between the web sites. After approval, a web page including a user interface for inputting (or selecting) bill payment request information including at least one bill payment request information for payment processing is generated (or extracted) to the terminal through the financial transaction channel. Transmit and output (1405b).

According to an embodiment of the present invention, the user interface for inputting (or selecting) the bill payment request information preferably includes a bill payment selection interface for selecting one of at least one bill in the user interface.

According to the exemplary embodiment of the present invention, the web page is transmitted and / or outputted to the terminal. Preferably, the web page is performed at least once according to the procedure of providing the user interface and transmitting / receiving the bill payment request information. Not.

Thereafter, the terminal inputs (or selects) bill payment request information including at least one bill payment request information through the user interface (1410b).

If the terminal inputs (or selects) bill payment request information including the bill payment request information through the user interface (1415b), the terminal bills the input (or selected) through the financial transaction channel. Sending request information to the server (1420b), and transmitting the bill payment request information input (or selected) to the server through the financial transaction channel, is input (or selected) through the user interface. It is preferable that the billing request information further comprises a digital signature and / or encryption via a security module (not shown) provided in the terminal to transmit to the server.

Here, the withdrawal account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the withdrawal account) according to the intention of the skilled person CIF (Customer Information File) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g., opening and withdrawing account) A contact person name, a contact person code, etc.).

The bill payment information is withdrawn from the withdrawal account for payment processing after customer approval for bills collected using at least one specification (e.g., extensibility language) for data exchange and distribution between the web sites. Characterized in that it comprises a transaction amount, characterized in that the bill payment amount does not exceed the balance deposited in the withdrawal account.

The payment approval information is confidentiality of the financial transaction for payment processing after customer approval of a bill collected using at least one specification (eg, extensibility generation language) for data exchange and distribution between the web sites. ), Information for securing at least one validity of Authentication, Integrity, and Nonrepudiation, including at least one password corresponding to the withdrawal account, or at least one password corresponding to the financial transaction. Characterized in that made.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in Figure 12, the payment approval information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the withdrawal account, and / or It is preferable to further comprise an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, financial transactions for payment processing after customer approval for bills collected using at least one or more specifications (e.g., an extensibility generation language) for exchanging and distributing data between the web sites are performed through a non-face-to-face channel. Due to the characteristics of the bill processing system shown in FIG. 12, the payment approval information is linked to the customer terminal 1245 (or an integrated circuit (IC) card reader provided in the customer terminal 1245). To encrypt the bill payment request information based on the official certificate information included in the IC card) or at least one encryption key included in the certificate, or to attach the electronic signature of the customer to the bill payment request information. It is preferable that it further comprises.

The bill payment account information is withdrawn by the customer for payment processing after customer approval for bills collected using at least one or more specifications (e.g., extensibility language) for data exchange and distribution between the web sites. Withdraw the amount corresponding to the bill payment amount information from the account, and comprises the account number (or financial account alias, etc.) of the deposit account for depositing the withdrawn amount, according to the intention of the skilled person Information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the withdrawal account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact person It may further include at least one information (for example, the name of the person in charge of opening and withdrawing the account, the person in charge code, etc.) .

Thereafter, the server receives and reads bill payment request information including at least one bill payment request information through the financial transaction channel to check the validity of the bill payment request information (1425b), and bill bill request Checking the validity of the information, if the bill payment request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, and decrypts the bill payment request information, and / or Preferably, the bill further comprises decoding the billing request information.

According to an embodiment of the present invention, the validity of the bill payment request information is determined by the account ledger for the financial account corresponding to the withdrawal account information included in the bill payment request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the withdrawal account is provided. If the account ledger (or the customer ledger corresponding to the withdrawal account) is provided, the validity of the bill payment request information is authenticated. It is desirable to be.

In addition, the validity check of the bill payment request information includes the amount deposited in the withdrawal account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the withdrawal account) in the bill payment request information. It is preferable to include whether the bill is greater than the bill payment amount, and if the withdrawal account balance is greater than the bill payment amount, it is preferable that the validity of the bill payment request information is authenticated.

In addition, the validity check of the bill payment request information on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the withdrawal account corresponding to the payment approval information included in the bill payment request information And comparing the various passwords (or associated) with each other, and checking whether the various passwords corresponding to the payment approval information match. If the various passwords corresponding to the payment approval information match, the bill payment request is made. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face bill processing system shown in FIG. 12, when the payment approval information further includes predetermined security code information, the validity check on the bill payment request information is performed with the security code information. Security code information corresponding to the payment authorization information, in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the withdrawal account It is preferable that the verification is made, and if the security code information corresponding to the payment approval information is matched, it is preferable that the validity of the bill payment request information is authenticated.

In addition, in the case of the non-face-to-face bill processing system shown in FIG. 12, when the payment approval information further includes a predetermined OTP code, the validity check on the bill payment request information is performed by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the payment approval information is the OTP authentication code It is preferable that the verification is made, and if the OTP code corresponding to the payment approval information is matched with the OTP authentication code, it is preferable that the validity of the bill payment request information is authenticated.

In addition, due to the characteristics of the non-face-to-face bill processing system shown in FIG. 12, the bill payment request information is provided with a predetermined encryption key (eg, an encryption key provided in the customer terminal 1245, or an authorized certificate issued to a customer). When encrypted through the included encryption key), the validity check of the bill payment request information decrypts the encrypted bill payment request information (or at least one or more financial transaction information included in the bill payment request information), the decryption It is preferable to include whether or not is normally performed, and if the decryption is normally performed, it is preferable that the validity of the bill payment request information is authenticated.

In addition, due to the characteristics of the non-face-to-face bill processing system shown in FIG. 12, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to a customer) is included in the bill payment request information. In this case, the validity check of the bill payment request information confirms the electronic signature of the customer with respect to the bill payment request information (or at least one or more financial transaction information included in the bill payment request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the bill payment request information is verified when the electronic signature of the customer is confirmed.

In addition, the validity of the bill payment request information is confirmed in the account ledger for the financial account corresponding to the bill payment account information included in the bill payment request information in the ledger D / B on the financial system (or external financial system) (Or a customer ledger corresponding to a bill payment account), and if the account ledger (or a customer ledger corresponding to the bill payment account) is provided It is preferable that the validity of the payment amount information is authenticated.

If the validity of the bill payment request information is not authenticated (1430b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1435b), and the financial transaction. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (1455b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (1460b).

On the other hand, if the validity of the bill payment request information is authenticated (1430b), the server is connected to a financial system equipped with an account ledger corresponding to the withdrawal account based on the bill payment request information included in the bill payment request information. A financial transaction for payment processing after customer approval of the collected bill is processed using at least one specification (eg, an extensibility generation language) for data exchange and distribution between the web sites (1440b).

According to the implementation method of the present invention, the server withdraws the amount corresponding to the bill payment amount information from the account ledger corresponding to the withdrawal account information included in the bill payment request information in connection with the financial system, the withdrawal It is preferable to deposit the amount of money to the account corresponding to the bill payment account information.

If a financial transaction corresponding to the bill payment request information is processed (1445b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1450b), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial transaction channel (1455b), and the terminal corresponding to the financial transaction result including the financial transaction processing history; Screen is output (1460b).

According to the present invention, there is an advantage that the bills issued to the customer can be collectively managed using at least one or more specifications for exchanging and distributing data between web sites proposed through Web 2.0.

In addition, through the bill management function, by managing the bill issued to the customer, there is an advantage that can minimize the customer loss due to overdue.

In addition, since the customer does not overdue bills, the institution that requested payment of bills reduces the amount of overdue management waste due to the delinquency, and thus, there is an advantage that more efficient institution operation is possible.

Claims (4)

If the client terminal transmits the website information distributing the bill information corresponding to the customer information according to the customer information and billing agency information and the data exchange and distribution standards between the website, the customer information, billing agency information and website information Information registration means for registering in a database in association; Information collecting means for periodically collecting bill information corresponding to the customer information from a website corresponding to the website information in accordance with data exchange and distribution standards between the websites in association with the database; Bill information output means for processing the collected billing information for each of the at least one billing institution to be output to a predetermined area on the Internet banking web page provided to the customer terminal; And an interface providing means for providing a bill payment interface for paying the amount of payment included in the bill information to the customer terminal. If the client terminal transmits the website information distributing the bill information corresponding to the customer information according to the customer information and billing agency information and the data exchange and distribution standards between the website, the customer information, billing agency information and website information Information registration means for registering in the database in association; Information collecting means for periodically collecting bill information corresponding to the customer information from a website corresponding to the website information in accordance with data exchange and distribution standards between the websites in association with the database; Invoice information output means for processing the collected at least one billing information for each billing institution and outputting it on a graphical user interface program provided in the customer terminal; And an interface providing means for providing a bill payment interface for paying the amount of payment included in the bill information to the customer terminal. The method according to claim 1 or 2, Electronic bill processing system using a personalized information delivery function characterized in that it further comprises a financial transaction processing means for processing a financial transaction for paying the payment amount included in the bill information through the bill payment interface. A computer-readable recording medium having recorded thereon a program for executing a function of the system constituting means of claim 1.

Images