KR20090019026A

KR20090019026A - System and method for processing refund about excess of collected amount and program recording medium

Info

Publication number: KR20090019026A
Application number: KR1020070083131A
Authority: KR
Inventors: 김기정
Original assignee: 주식회사 신한은행
Priority date: 2007-08-20
Filing date: 2007-08-20
Publication date: 2009-02-25

Abstract

The present invention relates to a method and system for processing excessive collection refunds and a recording medium therefor, wherein the method for processing excessive collection refunds according to the present invention includes depositing a refund for an overpayment tax (or premium) of a customer in a virtual account opening means. Opening a virtual account as a new one; storing the linked virtual account information and the customer information in a storage medium in an information storage means; and storing an overpayment tax (or premium) of the customer in a refund processing means. If the refund amount is confirmed, the request for depositing the confirmed refund amount into the customer virtual account, depositing the refund amount into the customer virtual account in a new management means, and in the customer authentication means, Whether the real name of the customer receiving the refund amount for the virtual account opened as the new provision is confirmed within the real name verification period It is cut when the real name of the customer on a virtual account opened to the trail rules identified in step and new accounts processing means, and processing converts the virtual account opened in the financial account to the new trail rules.

Description

System and Method for Processing Refund about Excess of Collected Amount and Program Recording Medium}

1 is a diagram illustrating a virtual account registration system for processing excessive collection tax refund according to an embodiment of the present invention.

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

3 is a diagram illustrating a configuration of virtual account ledger information according to another exemplary embodiment of the present invention.

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

5 is a diagram illustrating an information providing process for virtual account processing such as opening and operating a virtual account according to an exemplary embodiment of the present invention.

6 is a diagram illustrating an information providing process for processing a virtual account, such as opening and operating a virtual account, according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a virtual account processing process corresponding to virtual account application information according to an embodiment of the present invention.

8 is a diagram illustrating an information processing system for processing excessive collection tax refund according to an embodiment of the present invention.

9 is a diagram illustrating an excessive collection tax refund processing process according to an embodiment of the present invention.

10 is a diagram illustrating a real name verification process for a virtual account according to an embodiment of the present invention.

11 is a diagram illustrating a real name verification process for a virtual account according to another embodiment of the present invention.

800: refund processing server 805: refund information confirmation unit

810: information storage unit 815: refund processing unit

820: information processing server 825: information receiving unit

830: information verification section 835: new management department

840: information transmission unit 845: customer authentication unit

850: New account processing unit 100: Web server

135: storage medium

The present invention relates to the processing of refund of excessive collection, when the government (e.g., a government agency, etc.) refunded the excessive tax (or premium), the deposit request to the new virtual account in the name of the customer, if the customer requests this, After the customer authenticates his / her new virtual account and converts it into a real account, the customer receives a refund.

In general, if the premium is excessively collected, the customer will be notified of the excessive collection, so that the customer can fill out the documents for the refund of the excessive collection and receive the refund, or as part of the premium to be borne by the customer later. Offset.

Therefore, customers may find it difficult to obtain refunds for excessive collections. In response, financial institutions may use customer refunds to develop services that allow customers to more conveniently receive refunds and increase bank deposits. to be.

An object of the present invention for solving the above problems, means for opening a virtual account to be refunded for the customer's overpayment tax (or insurance premium), and stores the linked virtual account information and the customer information in association Means for depositing on the medium, and depositing the refund amount for the overpayment tax (or premium) of the customer into the virtual account of the customer, and receiving the refund amount for the virtual account opened with the new provision. When the real name is confirmed, the present invention provides an excess collection refund processing system including means for converting the virtual account into a real account.

Excessive collection refund processing method according to the present invention, the virtual account opening means to open a virtual account to be refunded to the customer overpayment tax (or insurance premium) in the virtual account opening means, and the virtual storage opened in the information storage means Linking the account information and the customer information and storing the information in the storage medium; and when the refund amount of the overpayment tax (or insurance premium) of the customer is confirmed by the refund processing means, the confirmed refund amount is converted into the customer virtual account. Requesting a deposit to the client; depositing the refunded amount into the customer virtual account in the new management means; and receiving the refund amount for the virtual account opened as the new account in the customer authentication means. Confirming that the account is confirmed within the verification period and the new account for the virtual account opened as the new account in the new account processing means. When the real name is identified, it characterized by comprising the step of treating converts the virtual account opened in the financial account to the new trail rules.

According to the present invention, the excess collection refund processing method, characterized in that further comprising the step of transmitting the details of the virtual account deposit of the refund from the information transmission means to the customer communication means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-mentioned excess collection method.

On the other hand, the excessive collection refund processing system according to the present invention, by means of opening a virtual account to be refunded for the customer's overpayment tax (or insurance premium), and the linked virtual account information and the customer information Means for storing on the storage medium, means for depositing the refund amount for the overpayment tax (or insurance premium) of the customer into the customer virtual account, and receiving the refund amount for the virtual account opened with the new provision. If the real name is confirmed, it comprises a means for converting the virtual account into a real account.

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.

More specifically, FIG. 1 shows a virtual account for opening a virtual account for processing excessive tax refunds from a predetermined customer terminal to a web server 100 provided (or linked) to a government agency through a predetermined network means. When the application information is provided, the web server 100 provides the virtual account application information provided from the customer terminal to the predetermined provisional processing server 140 provided in the predetermined financial institution, thereby providing the provisional processing server 140. ) Is a system configuration for opening a virtual account corresponding to the virtual account application information, specifically, a virtual account that uses the virtual account as a parent account to operate the virtual account at a predetermined government institution (payment agencies such as tax and insurance premiums). It is a figure which shows the system structure which opens an account.

Those skilled in the art to which the present invention pertains, with reference to or modified from the drawing 1, the excessive collection tax in addition to the virtual account of the actual account operated by the government agency (payment institutions, such as tax, premium, etc.) as the parent account Although it is possible to infer an implementation method for a system for registering various types of virtual accounts for refund processing, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG. .

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 1 to infer an implementation method for a system for registering a virtual account in the form of a temporary account. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to a method of implementing the present invention, a virtual account registration system for registering a virtual account whose mother account is a real account operated by the government agency (payment institutions such as tax and premium) may include a predetermined network means. Access to a web server 100 (e.g., a government agency server, a portal server, etc.) provided to (or linked to) a government agency through a real name verification (e.g. Request a virtual account registration (or opening) for the processing of the overtaxed tax refund without the law and the concurrent enactment (Presidential Decree No. 15744) and request a predetermined account corresponding to the virtual account registration (or opening). A customer terminal for providing virtual account application information to the web server 100 and the customer terminal are connected through a predetermined network means to apply for a predetermined virtual account from the customer terminal. The web server 100 receives the information and provides the received virtual account application information to the provisional processing server 140 provided in a predetermined financial institution, and the web server 100 through a predetermined communication means. Connected to receive the virtual account application information from the web server 100, and open a virtual account corresponding to the virtual account application information under the customer's name based on the received virtual account application information. It is provided with a provisional processing server 140, and a financial system for operating a virtual account processed by the provisional provision.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system The interface module corresponding to the middleware platform, and stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a database management system (DBMS) including at least one database, wherein the financial transactions through the financial system are based on laws and concurrent regulations on financial real-name trading and confidentiality of the financial account. When it corresponds to real name financial account corresponding to 15744) Is effectively processed.

According to the present invention, a customer who registers a predetermined virtual account through an online channel is provided to the government agency through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network ( Or connected) to the web server 100 and receive various application services provided by the web server 100.

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

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

The web server 100 provided to (or associated with) the government agency is a customer terminal including at least one of the wired terminal or the wireless terminal via the wired communication network or the wireless communication network, and includes at least one information / content. It comprises a government portal server or a search server that provides a service, or a personalization service including a mini-hompy / blog, or a mail service, a messenger service, or at least one of various information providing services. desirable.

According to the present invention, the information providing service provided by the web server 100 to the customer terminal includes at least one or more financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). The financial product information is characterized in that the customer comprises at least one or more virtual account product information for registering a virtual account for processing the excess tax collection tax refund.

In addition, the web server 100 is applied to (or purchase) the customer through the network means including the wired communication network or wireless communication network (for example, a virtual account for processing the excessive collection tax refund). And providing at least one user interface for the client terminal, wherein the client terminal inputs (or selects) predetermined virtual account application information for processing the excess tax refund through the user interface. It is characterized in that the transmission to the web server 100 via a network means including a wired communication network or a wireless communication network.

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

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, and input at least one or more virtual account application information through the user interface. Since it is possible to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal or wireless terminal to select and transmit to the web server 100, a detailed description thereof will be omitted for convenience.

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

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

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

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

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

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

Referring to FIG. 1, the web server 100 is connected to the interface unit 105 when a predetermined client terminal accesses the web server 100 or requests a virtual account through the interface unit 105. An interface for generating a predetermined user interface (or extracting from a predetermined web source D / B (not shown)) to be transmitted to the client terminal by inputting (or selecting) predetermined virtual account application information and providing the same to the client terminal. An information receiver 120 for receiving predetermined virtual account application information transmitted from the client terminal through the user interface in connection with the study 110 and the interface unit 105, and the reception unit 110. Characterized in that it comprises an information relay unit 130 for providing the virtual account application information to the provisional processing server 140 provided in the financial institution through a predetermined communication means.

In addition, the web server 100 is a search service including at least one or more information / content to the at least one or more customer terminals in conjunction with the interface unit 105, or a personalization service or a mail service including a mini homepage / blog Or a web service unit 115 for providing a web-based service including at least one or more of a messenger service or various information providing services. If the person skilled in the art, the web server 100 will be familiar with how to provide the web-based service to at least one or more customer terminals to perform the function of the portal server or search server, detailed description thereof Is omitted for convenience.

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

The interface providing unit 110, when a predetermined client terminal accesses the web server 100 or requests a virtual account through the interface unit 105, the virtual account application corresponding to the functional configuration provided in the customer terminal Generate a predetermined user interface capable of inputting (or selecting) information to the web server 100 via the network means, or extracting from a predetermined database (not shown), and the interface unit 105. It is characterized in that it provides a user interface generated in conjunction with (or extracted from a predetermined web source D / B (not shown)) to the customer terminal through the network means.

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

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

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

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

In addition, when the virtual account product corresponding to the virtual account application information corresponds to a virtual account in the form of free and withdrawal, the user interface for receiving (or selecting) the virtual account application information is the corresponding to the virtual account product. And an interface for outputting virtual account product detailed information such as virtual account product name and interest rate information to the customer terminal and confirming that the customer has confirmed the virtual account product detailed information, or the virtual account. If the virtual account product corresponding to the application information corresponds to a virtual account in the form of a financial investment product, the user interface for receiving (or selecting) the virtual account application information is the name of the virtual account product corresponding to the virtual account product. Awards on virtual account products such as investment periods and expected returns And outputting three pieces of information to the customer terminal and confirming that the customer has confirmed the virtual account product detailed information.

The user interface for inputting (or selecting) the virtual account request information may include an interface for outputting the terms and conditions corresponding to the virtual account product to the customer terminal and agreeing with the terms. have.

The user interface for receiving (or selecting) the virtual account request information may include an interface for inputting an amount of money to be deposited (or invested) by the customer into a virtual account corresponding to the virtual account product, and the amount of the virtual account. The method may further include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into a virtual account) to be deposited into an account.

In addition, the user interface for inputting (or selecting) the virtual account request information may include customer personal information (eg, customer name, social security number, phone number, mobile phone number, address, mail, etc.) for the customer applying for the virtual account product. Address) or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 100.

Thereafter, the customer terminal corresponds to virtual account product selection information for selecting at least one or more virtual account products to which the customer applies (or purchases) among the plurality of virtual account products through the user interface, and corresponding to the virtual account products. Input (or select) virtual account application information including at least one agreement agreement information, the virtual account deposit amount information, and at least one customer information of the virtual account requesting customer, and through the network means, the web server 100 To send.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the virtual account request information may include an account password for a virtual account corresponding to the virtual account request information, or at least one or more ratios through the virtual account. The method may further include an interface for inputting (or selecting) virtual account security information including at least one financial transaction password or the like for processing the face-to-face financial transaction.

The virtual account security information may further include predetermined PIN (Personal Identification Number) or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the virtual account opened by the virtual account application information without an authorized certificate. It is preferable to comprise, and this invention is not limited by this.

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

If the virtual account security information is included in the virtual account application information, the confidentiality, authentication (Authentication), integrity (Integrity) and nonrepudiation (Nonrepudiation), etc. for the virtual account security information The virtual account security information (or the virtual account application information including the virtual account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the virtual account request information may be configured to temporarily change the virtual account until the financial real name of the virtual account corresponding to the virtual account request information is confirmed. The provisions of the provisions of the provisions of the provisional provisions and the provisional provisional processing period information (for example, the period in which the virtual account is processed as a provisional provision before the verification of the financial real name of the virtual account) are output to the client terminal. And an interface for inputting (or selecting) provisional provision agreement information for agreeing the provisional provision information and provisional processing period information, or provisional application information for which the customer applies for provisional processing for the virtual account. It is preferable to make it.

If the provisional provisional terms information and provisional processing period information are included in the provisional information corresponding to the virtual account product, the provisional provisional information and the provisional provisional processing period information are output to the customer terminal, and the agreement is made. The interface for checking can be omitted.

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

According to an embodiment of the present invention, a user interface for inputting (or selecting) the virtual account application information may operate a virtual account corresponding to the virtual account application information at the government institution (payment institution such as tax or premium). In order to open a real account in the form of a virtual account, the parent account operating institution information including at least one or more of the above government agencies (tax and insurance payment institutions), and the government agencies (tax and insurance payment institutions) The method may further include an interface for inputting (or selecting) virtual account processing information including the parent account information corresponding to the real account operated by.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Then, the network means is transmitted by transmitting the input (or selected) virtual account processing information to the web server 100 through the network means, or further including the virtual account processing information in the virtual account application information. It transmits to the web server 100 through.

In addition, when the customer applying for the virtual account product is not a conventional financial transaction member for a financial institution corresponding to the virtual account product (eg, the financial institution has at least one customer account corresponding to the virtual account application customer Or a user interface for receiving (or selecting) the virtual account request information from the virtual account requesting customer, having no experience in processing a financial transaction with the financial institution. It is preferable to further include an interface for outputting the financial transaction application terms and conditions information for processing the initial financial transaction with the institution, and confirming that the customer has agreed to the financial transaction application terms, wherein the customer is a financial transaction of the financial institution If you are a customer, the interface may be omitted, or Depending on but may be included in non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information) to be specified in the above interface.

If the financial transaction application terms are included in the terms and conditions information corresponding to the virtual account product, or if the financial transaction application is processed in the real name verification process for the virtual account product, the customer makes the financial transaction with the financial institution. The interface for applying for it is possible to be omitted, thereby the present invention is not limited.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmitting financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information (not shown) in the virtual account application information. In FIG. 1, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below.

The customer applying for the virtual account product is not a conventional financial transaction member for a financial institution corresponding to the virtual account product (e.g., at least one customer account corresponding to the virtual account application customer is opened at the financial institution). Or a non-face-to-face financial transaction customer (e.g., an Internet banking member, or the virtual account customer), or the virtual account customer has no history of financial transactions with the financial institution. If not a wireless banking member, TV banking member, home banking member, etc.), the user interface for receiving (or selecting) the virtual account application information, at least one or more non-face-to-face financial transactions with the financial institution through the customer terminal Non-face-to-face financial transaction terms for handling at least one non-face-to-face financial transaction through a channel Information (e.g., Internet banking subscription terms information, wireless banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face that the customer agrees to the non-face-to-face financial transaction terms information. It is preferable to further include an interface for inputting (or selecting) financial transaction agreement information or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the virtual account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the virtual account product, or financial transactions using the virtual account If the non-face-to-face financial transaction authentication can be omitted for the purpose of the client, the customer agrees (or applies) for the face-to-face financial transaction to process at least one non-face-to-face financial transaction with the financial institution through at least one or more face-to-face financial transaction channels. The interface can be omitted, and the present invention is not limited thereby.

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

According to an embodiment of the present invention, a user interface for inputting (or selecting) the virtual account application information may include inputting (or selecting) predetermined customer unique information (or code) for processing the excess tax refund. It is preferred to include an interface.

Here, the customer unique information (or code) preferably includes at least one or more of a customer name, social security number, ID / PW, health insurance code, national pension code, and other subscriber codes.

When an interface for inputting (or selecting) customer specific information (or code) for processing the excessive tax collection amount is provided to the customer terminal, the customer terminal inputs the customer unique information (or code) through the interface. After (or selection), the input (or selection) of the customer unique information (or code) is transmitted to the web server 100 through the network means, or the customer unique information (or Code) to the web server 100 through the network means.

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

Here, the virtual account application information, the virtual account product selection information for selecting at least one or more virtual account products that the customer applies (or purchases) of the plurality of virtual account products, and the terms and conditions corresponding to the virtual account products Information and at least one of the virtual account deposit amount information is preferably included.

In addition, the client terminal inputs (or selects) predetermined virtual account security information through the user interface and transmits it through the network means, or includes the virtual account security information in the virtual account application information in the client terminal. In this case, the information receiving unit 120 receives the virtual account security information in association with the interface unit 105, and transmits the received virtual account security information to the information relay unit 130 or the information. It is provided to the storage unit (125).

In addition, the customer terminal inputs (or selects) predetermined false information processing consent information (or false information request information) through the user interface and transmits the information through the network means, or at the customer terminal, accepts the false information processing agreement. When the information (or the provisional application information) is transmitted to the virtual account application information, the information receiving unit 120 interoperates with the interface unit 105 to transmit the provisional processing agreement information (or provisional application information). Characterized in that it receives, and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 or information storage unit 125.

In addition, the client terminal inputs (or selects) the virtual account processing information including the mother account management institution (government organization (payment agencies such as tax and premium)) information and mother account information through the user interface to access the network means. Or when the virtual terminal processing information is included in the virtual account request information and transmitted by the customer terminal, the information receiving unit 120 interoperates with the interface unit 105 to provide the parent account management institution information and the mother account information. And receiving the virtual account processing information including the received virtual account processing information to the information relay unit 130 or the information storage unit 125.

In addition, the client terminal inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or includes the financial transaction application information in the virtual account application information in the customer terminal. In this case, the information receiving unit 120 receives the financial transaction application information in conjunction with the interface unit 105, and transmits the received financial transaction application information to the information relay unit 130 or the information. It is provided to the storage unit (125).

In addition, the client terminal inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits the data through the network means, or at the customer terminal, When the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the virtual account application information and transmitted, the information receiving unit 120 works with the interface unit 105 to provide the non-face-to-face financial transaction agreement information ( Or non-face-to-face financial transaction application information), and receives the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the information relay unit 130 or the information storage unit 125. to provide.

In addition, the customer terminal inputs (or selects) predetermined customer unique information (or code) through the user interface through the network means, or transmits the customer unique information (or code) from the customer terminal. When the transmission is included in the virtual account request information, the information receiver 120 receives the customer unique information (or code) in association with the interface unit 105, and receives the received customer unique information (or Code) to the information relay unit 130 or the information storage unit 125.

The information storage unit 125 stores the virtual account application information received through the information receiving unit 120 in a predetermined storage medium 135 including the virtual account issuance information, thereby storing the web. The server 100 (or the web server operating institution) provides a basis for receiving a fee for attracting the virtual account application customer from the financial institution based on the virtual account application information stored in the storage medium 135.

When the virtual account security information is received through the information receiving unit 120, the information storage unit 125 stores the virtual account issuing information in which the virtual account security information is linked to the virtual account request information in the storage medium 135. The virtual account security information is used to authenticate at least one or more financial transactions using the virtual account in the web server 100 (or a financial transaction server using the virtual account).

If the provisional processing agreement information (or provisional request information) is received through the information receiving unit 120, the information storage unit 125 is the provisional processing agreement information (or provisional provisions) to the virtual account application information. And storing the virtual account issuance information linked to the application information in the storage medium 135, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the virtual application). A financial transaction server using an account provides a basis for processing at least one or more financial transactions using the virtual account until the financial real name of the virtual account is verified.

When the virtual account processing information including the mother account management agency information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the virtual account application information. And storing the virtual account issuance information in the storage medium 135. The virtual account processing information is the financial real name of the virtual account in the web server 100 (or the financial transaction server using the virtual account). It provides a basis for processing at least one or more financial transactions using the virtual account based on the virtual account that is the parent account operated by the government agency (payment institutions such as tax and premiums) until the confirmation.

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

When the customer unique information (or code) is received through the information receiving unit 120, the information storage unit 125 performs virtual account issuance information in which the customer unique information (or code) is linked to the virtual account request information. It characterized in that for storing in the storage medium (135).

According to the exemplary embodiment of the present invention, when the predetermined virtual account corresponding to the virtual account request information is opened by the pseudo-processing server 140, the information storage unit 125 opens the web server 100 (or The virtual account information opened by the provisional processing server 140 to process at least one or more financial transactions using the virtual account in the virtual transaction server using the virtual account; The virtual account application information stored in the storage medium 135 or included in the virtual account issuing information is preferably replaced with the virtual account information opened by the provisional processing server 140. It is not limited.

Here, the virtual account information is a virtual account number in the form of a virtual account number generated by the provision of the new provision 150 and the virtual account processing unit 155 of the new provision processing server 140, and the virtual account application information It is preferable to include the account holder information corresponding to the included customer information, the web server 100 operating institution information and the financial institution information that the virtual account is opened.

The information relay unit 130 corresponds to the virtual account product (eg, a virtual account corresponding to the virtual account product) through the predetermined communication means for the virtual account request information received through the information receiving unit 120. It is characterized in that the relay transmission to the provisional processing server 140 provided in the financial institution).

Here, the communication means for connecting the web server 100 and the provisional processing server 140, a dedicated communication network that blocks access by a third party other than the web server 100 and the provisional processing server 140, or A secure communication network (eg, the web server 100 encrypts the virtual account application information by a predetermined encryption method) to provide a secure communication function between the web server 100 and the pseudo new processing server 140. And a communication network for decrypting the virtual account application information through a decryption scheme corresponding to the encryption scheme in the provisional processing server 140).

When the virtual account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the virtual account product through the predetermined communication means (for example, the virtual account). And relaying to the provisional processing server 140 provided at the financial institution corresponding to the product, whereby the provisional processing server 140 is transferred to the financial system provided at the financial institution. The web server 100 establishes a virtual account capable of processing a financial transaction through the virtual account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying through a means to a provision processing server 140 provided at a financial institution corresponding to the virtual account product (eg, a virtual account corresponding to the virtual account product is opened). The rule processing server 140 opens a virtual account corresponding to the virtual account application information in a financial system provided in the financial institution as a new provision.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the virtual account product through the predetermined communication means (for example, the virtual account). It is characterized in that the relay transmission to the provisional processing server 140 provided in the financial institution (in which a virtual account corresponding to the product) is opened, whereby the provisional processing server 140 is the virtual account application customer is the financial institution Although not a conventional customer, a virtual account corresponding to the virtual account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 sends the virtual account processing information to the virtual account through a predetermined communication means. It is characterized in that the relay transmission to the provisional processing server 140 provided in the financial institution corresponding to the product (for example, the virtual account corresponding to the virtual account product is opened), whereby the provisional processing server 140 In the financial system provided in the financial institution, a virtual account corresponding to the virtual account application information is opened in the form of a virtual account having a real account operated by the financial institution as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) and relays the information to a provisional processing server 140 provided in a financial institution corresponding to the virtual account product (for example, a virtual account corresponding to the virtual account product is opened) through a predetermined communication means. In this way, the provisional processing server 140 opens a virtual account in the financial system provided in the financial institution in a non-face-to-face processing of the financial transaction using the virtual account in the web server 100.

According to another exemplary embodiment of the present invention, when the provisional processing server 140 is provided with a web server 100 function or the provisional processing server 140 is a predetermined banking server, the information relay unit ( 130 is connected to the customer terminal and the new provision processing server 140 by the relay connection, the virtual provision application information (or a new provision processing agreement information (or trail) from the customer terminal in the provision provision processing server 140 Rule application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is possible to relay to provide, whereby the trail provision processing server 140 is the virtual account application information (or trail) from the customer terminal through a predetermined network means Directly receiving processing consent information (or new application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). It is possible that the present invention is not limited thereby.

According to another embodiment of the present invention, between the web server 100 and the pseudo-processing server 140 relays at least one web server 100 and the pseudo-processing server 140, or A predetermined relay server (not shown) which relays the web server 100 and the at least one pseudo-processing server 140 or relays the at least one web server 100 and the at least one pseudo-processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the pseudo-processing server 140 may request virtual account application information (or pseudo-processing agreement information (or pseudo-new application information), or virtual information) provided from the web server 100 through the communication means. An information receiver 120 for receiving account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); The provisional opening section 150 for opening a virtual account corresponding to the virtual account application information received through the information receiving section 145 as a new provision, and the virtual account established as the provisional provision for the government agency (tax, premium) And a virtual account processing unit 155 for processing a real account operated by a payment institution such as a virtual account in the form of a virtual account.

The information receiving unit 145 is a virtual account application information (or a provisional processing agreement information (or a provisional application information), or a virtual account security information, or financial transaction application provided from the web server 100 via the communication means) Information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receives the received virtual account application information (or trail processing agreement information (or trail). Rule application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) to provide.

According to an exemplary embodiment of the present invention, the virtual account application information (or the provisional processing agreement information (or the provisional application information), the virtual account security information, or the financial transaction application information, or the virtual transaction application information provided from the web server 100). When the account processing information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is encrypted, the information receiving unit 120 the encrypted virtual account application information (or the provisional processing agreement information (or a new provision) Application information), or virtual account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Do.

The new provision opening unit 150 from the web server 100 via the information receiving unit 145, the virtual account application information (or new provision processing agreement information (or new provision application information), or virtual account security information, Or if the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided, the virtual account application information (or the provisional processing agreement information (or a new provision) Application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Account application information (or provisional processing consent information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or Face is characterized by the rules outlined in the trail virtual account corresponding to a financial transaction agree with the information (or non-face-to-face financial transaction request information)).

Here, the new provision opening unit 150 is the virtual account application information (or the provisions of the new processing agreement information (or new provision application information), or the virtual account security information, or financial transaction application information, or the virtual account processing information, or Opening a virtual account corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) as a provisional provision may include applying the virtual account application information (or provisional regulation) to the ledger D / B provided on the financial system. Predetermined corresponding to processing agreement information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); Register a customer ledger (can be omitted if the customer ledger is already registered) or at least one virtual account ledger (eg, a reception ledger corresponding to the virtual account application information) Characterized in that it comprises a.

According to one embodiment of the invention, the virtual account ledger for the virtual account corresponding to the virtual account application information, the ledger in the form of an account ledger corresponding to a newly opened virtual account based on the virtual account application information It is preferable to register with D / B and store predetermined pseudo-new information for managing the virtual account in association with the virtual account ledger.

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

The virtual account corresponding to the registered virtual account ledger as described above is not a real name financial account corresponding to the Act on Real-name Financial Transactions and Confidentiality and Simultaneous Ordinance (Presidential Decree No. 15744), and therefore, financing through the non-real name financial account. Transactions are a violation of the above law.

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

That is, the new provision establishment unit 150 is the virtual account application information (or false new processing agreement information (or new provision application information), or virtual account security information, or financial transaction received through the web server 100) Open the virtual account in connection with the external system or information system provided in the financial system based on the application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A procedure (eg, a procedure of registering a predetermined virtual account ledger) is performed, and the result is provided to the virtual account processor 155.

Those skilled in the art to which the present invention pertains, the detailed procedure of opening the virtual account (for example, to register a predetermined virtual account ledger) is linked to the financial system, the new establishment section 150 Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processor 155 may operate a virtual account (or virtual account ledger) opened by the provisional opening unit 150 at the government institution (payment organizations such as tax and insurance premium) as a mother account. It is characterized in that the processing into a virtual account.

According to the method of the present invention, the virtual account ledger corresponding to the virtual account whose mother account is the real account operated by the government agency (payment organizations such as tax and insurance premium) includes the conventional virtual account ledger information. In addition, real account ledger information (for example, ledger information including an account number conforming to an account number system corresponding to a real account), which can be processed as a new account in the form of a real account when the financial real name of the virtual account is confirmed. Preferably, it is preferable that the real account operated by the government agency (payment organizations such as tax and insurance premiums) be treated as a virtual account before the real name of the virtual account is verified.

According to another embodiment of the present invention, the virtual account ledger corresponding to the virtual account processed in the form of a virtual account having a real account operated by the government agency (payment institutions such as taxes and insurance premiums) as the parent account is the government agency. It may include virtual account ledger information (eg, ledger information including account number conforming to the virtual account numbering system) using a real account operated by a paying institution such as a tax or insurance premium, in which case the virtual account It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number following an account number system corresponding to a real account) when the financial real name of the account is confirmed. The present invention is not limited by this.

In more detail, Figure 2 is a mother account with the actual account of the government institution (payment institutions such as taxes and insurance premiums) in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. The virtual account ledger information is stored in the virtual account ledger according to the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifies the ledger D with reference to FIG. It is possible to infer various information formation methods for storing the virtual account ledger information according to the virtual account ledger information in the virtual account ledger whose parent account is the real account of the government agency (payment institutions such as tax and premium) in / B. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

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

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

According to the implementation method of the present invention, the customer ledger for registering the virtual account associated with the mother account as the real account of the financial institution through the virtual account registration system shown in Figure 1, the government agency (tax, premiums, etc.) Stores the information on the customer ledgers of government agencies (payment agencies such as tax and premiums) as financial transaction customers, and pays the government agencies (taxes and insurance premiums) through the virtual account registration system shown in FIG. It is preferable to store the virtual account customer ledger information registered in the virtual account associated with the parent account as the actual account of the organization.

Here, the financial institution customer ledger information and the virtual account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the virtual account is the conventional financial transaction customer of the financial institution. When the customer ledger of the customer who opens the virtual account is already provided in / B, the virtual account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the financial institution is linked to the customer ledger of the financial institution in a relational manner, and at least one financial account of the financial institution of the financial institution is shown in FIG. It is preferable to correspond to the parent account of the virtual account corresponding to the virtual account registered through the registered virtual account registration system.

Here, among the account ledgers of the financial institution, the account ledger corresponding to the parent account of the virtual account corresponding to the virtual account registered through the virtual account registration system shown in FIG. 1 is preferably connected to the virtual account ledger in a relational manner. .

The virtual account ledger is relationally connected with the account ledger corresponding to the parent account of the virtual account corresponding to the virtual account registered through the virtual account registration system shown in FIG. 1 among at least one financial account corresponding to the financial institution. The virtual account ledger information is characterized in that it comprises an information structure that further comprises the mother account number and the mother account operating institution information in the basic account ledger information, such as the account ledger.

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

Those skilled in the art to which the present invention pertains, the virtual account ledger information structure associated with the account ledger of the financial institution based on the basic account ledger information configuration, and the virtual account according to the virtual account ledger information configuration Since the ledger information may be inferred, a detailed description thereof will be omitted.

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

In more detail, FIG. 3 shows a predetermined virtual account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. 1 through predetermined virtual account processing information. Shows a configuration of information linking a real account of a payment institution in the form of a virtual account as a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifies the general ledger with reference to FIG. It is possible to infer various information formation methods linking a virtual account ledger to a D / B through a virtual account processing information in the form of a virtual account of a real account of the government agency (payment institutions such as tax and insurance) as a parent account. As will be appreciated, the present invention includes all implementation methods inferred above, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined 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 (for example, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

According to an embodiment of the present invention, the customer ledger, for registering a virtual account associated with a mother account which is a real account of the financial institution through the virtual account registration system shown in FIG. It is preferable to store the information of the customer ledger of the financial institution, and to store the virtual account customer ledger information of registering the virtual account linked to the parent account of the financial institution through the virtual account registration system shown in FIG.

According to an embodiment of the present invention, at least one financial account corresponding to the financial institution is linked to the customer ledger of the financial institution in a relational manner, and at least one financial account of the financial institution of the financial institution is shown in FIG. It is preferable to correspond to the parent account for processing the virtual account registered through the registered virtual account registration system as a virtual account.

Here, among the account ledgers of the financial institution, the account ledger corresponding to the parent account of the virtual account registered through the virtual account registration system shown in FIG. 1 is preferably linked to the virtual account ledger processed as the virtual account.

The virtual account ledger is configured to include basic account ledger information such as the account ledger, a virtual account number, a parent account number corresponding to a mother account for processing the virtual account among the financial accounts of the financial institution, and By including predetermined virtual account processing information including at least one or more of the parent account management institution information (for example, financial institution information) as additional information, the virtual account is a financial account of the government institution (payment institutions such as tax and insurance premiums). The virtual account processing information is characterized in that the virtual account processing information is matched with the virtual account application information and the virtual account processing information received from the customer terminal on the virtual account registration system shown in FIG. desirable.

The virtual account number of the virtual account processing information is information for linking and processing the virtual account processing information with the virtual account, the virtual account number is preferably in accordance with the real account number system, according to the intention of those skilled in the art It is also possible to follow the numbering system, whereby the present invention is not limited.

The mother account number of the virtual account processing information includes the account number of the financial account (or real account) corresponding to the mother account for processing the virtual account among the account numbers of the name of the government agency (payment organizations such as tax and insurance premium). It is preferable to make it.

The mother account operating institution information of the virtual account processing information preferably includes information on the government agencies (payment institutions such as taxes and insurance premiums) corresponding to the account holders of the real accounts corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, the virtual ledger associated with the account ledger of the government agency (payment institutions such as tax, insurance premium) through the virtual account processing information based on the account ledger information configuration Since account ledger information may be inferred, a detailed description thereof will be omitted for convenience.

More specifically, FIG. 4 shows predetermined virtual account processing information as shown in FIG. 3 in a predetermined virtual account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Information linking the real account of the government agency (tax and insurance payment institutions) in the form of a virtual account as a parent account, and further linking and processing the new bank information for processing a predetermined account in the virtual account ledger. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 4 to convert a predetermined virtual account ledger into the ledger D / B through predetermined virtual account processing information. By linking real accounts of government agencies (tax and premium payment institutions) in the form of virtual accounts with parent accounts, various information formation methods can be inferred to be processed as new accounts. However, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) 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 the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information.

According to the method of the present invention, at least one financial account corresponding to the government institution (payment institutions such as tax and premiums) is linked to the customer ledger of the financial institution in a relational manner. At least one or more of the financial accounts of the paying institution) preferably corresponds to a parent account for processing a registered as a virtual account through the virtual account registration system shown in FIG.

The virtual account ledger includes the same basic ledger information as the account ledger, and includes a virtual account number and a parent account for processing the virtual account among the financial accounts of the government agency (payment institutions such as taxes and insurance premiums). The virtual account may be included as additional information by including the corresponding mother account number and predetermined virtual account processing information including at least one of the mother account operating institution information (eg, financial institution information) as the additional information. The financial account of the paying institution) is characterized in that it is processed as a virtual account, wherein the virtual account processing information is the virtual account application information and the virtual account received from the customer terminal on the virtual account registration system shown in FIG. It is desirable to match the processing information.

The mother account number of the virtual account processing information is an account of a financial account (or real account) corresponding to a mother account for processing the virtual account as a virtual account among the account numbers of the name of the government agency (payment institution such as tax and premium). It is preferable to include a number.

Preferably, the parent account operating institution information of the virtual account processing information includes the financial institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains can infer the configuration of the virtual account ledger information linked to the account ledger of the financial institution through the virtual account processing information based on the structure of the account ledger information. Therefore, detailed description thereof will be omitted for convenience.

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

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

The virtual account number (or virtual account number) of the pseudo new processing information is information for cooperatively processing the pseudo new processing information with the virtual account, and the virtual account number (or virtual account number) represents a real account number system. It is preferable to follow, and according to the intention of those skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

In addition, the new establishment date of the new provision processing information is the date when the virtual account was opened on the ledger D / B, when the real name of the virtual account application customer processed with the new provision is confirmed, the virtual account Corresponds to the date retroactive from the real name confirmation date.

In addition, the real name confirmation expiration date of the pseudonym processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer applying for a virtual account for the virtual account within the real name verification expiration date.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date when the real name verification period is extended after the real name verification expiration date. In the case where the real name confirmation of the virtual account request customer is not performed, it is preferable that the virtual account request customer is repeatedly extended before confirming the real name of the customer.

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

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

5 is a diagram illustrating an information providing process for processing a virtual account, such as opening and operating a virtual account according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined virtual account request user interface to the client terminal, the client terminal selects a predetermined virtual account through the virtual account request user interface. The application information is input (or selected) and provided to the web server 100 through a predetermined network means, and the web server 100 provides the virtual account application information to the financial institution through a predetermined communication means. As to the process provided to the provisional processing server 140, those of ordinary skill in the art to which the present invention belongs, by referring to or modifying the figure 5 through the web server 100 in the customer terminal It will be possible to infer various implementation methods for providing the virtual account application information to the provisional processing server 140, the present invention is all inferred implementation method It is not limited by the embodiment shown in FIG.

For example, in FIG. 5, the client terminal provides only the virtual account application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, the web server ( In addition to the virtual account application information in the customer terminal in response to the user interface provided to the customer terminal 100) in addition to the virtual account application agreement information (or new application information), virtual account security information, or financial transaction application information, or Although it may be possible to infer an implementation method of providing virtual account processing information or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), the present invention provides the above-mentioned provisional processing agreement information (or a provisional rule) at the customer terminal. Application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial settlement Agreement includes information exemplary method for providing (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 in response to a security function provided in the communication means for connecting the web server 100 and the provisional processing server 140 The virtual account application information (or the provisional processing agreement information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face) Financial transaction application information)), and transmits the encrypted account processing information to the virtual account application information (or false transaction processing information (or new provision application information), or virtual account security information, or financial transaction). Although the application method, the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) may be inferred, the present invention may be inferred. It includes exemplary method inferred group, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired or wireless communication network (500), and the web server 100 is connected to the web server 100. Use at least one web-based service provided (505), wherein the web server 100 is a virtual account for attracting online subscription to the virtual account product according to the present invention to the web-based service provided to the customer terminal While providing product information, a predetermined virtual account request user interface can be provided.

Accordingly, while the web server 100 provides at least one or more web-based services to the client terminal as described above, the virtual account request user interface may be a predetermined virtual account for online subscription of the virtual account product from the client terminal. Periodically check whether the request user interface is requested (510), if the financial product request interface is requested from the customer terminal (515), the web server 100 is a predetermined virtual account request user to provide to the customer terminal An interface is generated (or extracted from a predetermined web source D / B (not shown)) (520), and the virtual account request user interface is provided to the mobile terminal through the network means (525).

Thereafter, the client terminal inputs (or selects) predetermined virtual account application information through the virtual account application user interface (530), and the virtual account application information is at least one virtual application that the customer applies (or purchases). And at least one virtual account product selection information for selecting an account product, agreement agreement information corresponding to the virtual account product, the virtual account deposit amount information, and customer information for the virtual account application customer. Do.

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

According to an exemplary embodiment of the present invention, the virtual account request user interface may include an account password for a virtual account corresponding to the virtual account request information, or a financial transaction for processing at least one or more non-face-to-face financial transactions through the virtual account. It is preferred to include an interface for inputting (or selecting) virtual account security information including at least one or more passwords.

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

When an interface for inputting (or selecting) at least one virtual account security information is provided to the customer terminal, the customer terminal inputs (or selects) virtual account security information through the interface, and then inputs (or selects) the virtual account security information. Transmits the selected virtual account security information to the web server 100 through the network means, or further includes the virtual account security information in the virtual account request information. To send.

According to the method of the present invention, the virtual account request user interface, and the provisions of the provisions of the new provisions that specify that the virtual account is processed as a pseudonym until the financial real name for the virtual account corresponding to the virtual account request information is confirmed; Information on the new provision processing period (for example, the period in which the virtual account is processed and operated before the verification of the financial real name of the virtual account) is output to the customer terminal, and the customer processes the new provision terms and conditions information and the new provision processing. It is preferable to include an interface for inputting (or selecting) false information processing consent information for agreeing period information, or false information requesting information for which the customer applies for false information processing for the virtual account.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the virtual account application information may operate a virtual account corresponding to the virtual account application information at the government institution (payment institution such as tax or premium). In order to open a virtual account in which a parent account is used as a parent account, information corresponding to a parent account manager including at least one or more of the government agencies (tax and insurance payment institutions), and a real account operated by the parent account manager It is preferable to include an interface for inputting (or selecting) virtual account processing information including mother account information.

In addition, when the customer applying for the virtual account product is not a conventional financial transaction member for a financial institution corresponding to the virtual account product (eg, the financial institution has at least one customer account corresponding to the virtual account application customer Or the virtual account requesting customer has never processed a financial transaction with the financial institution), the virtual account request user interface is used to process the first financial transaction with the financial institution through the client terminal. And an interface for outputting financial transaction application terms information and confirming that the customer has agreed to the financial transaction application terms.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. The financial transaction application information is transmitted to the web server 100 through the network means, or the virtual account application information further includes the financial transaction application information and is transmitted to the web server 100 through the network means. .

The customer applying for the virtual account product is not a conventional financial transaction member for a financial institution corresponding to the virtual account product (e.g., at least one customer account corresponding to the virtual account application customer is opened at the financial institution). Or a non-face-to-face financial transaction customer (e.g., an Internet banking member, or the virtual account customer), or the virtual account customer has no history of financial transactions with the financial institution. Wireless banking member, TV banking member, home banking member, etc.), the virtual account application user interface, at least one or more non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal; Non-face-to-face financial transaction terms and conditions for the processing of transactions Information, or wireless banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face financial transaction agreement information that the customer agrees to the non-face-to-face financial transaction terms information, or the customer Preferably, the interface includes an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the non-face-to-face financial transaction.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction request information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or After inputting (or selecting) non-face-to-face financial transaction application information, the web server 100 transmits the input (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the network means. Or the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the virtual account application information, and transmits to the web server 100 through the network means.

According to an embodiment of the present invention, the virtual account request user interface preferably includes an interface for inputting (or selecting) predetermined customer unique information (or code) for processing the excess tax refund.

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

According to another exemplary embodiment of the present invention, the process of storing the virtual account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the pseudo-processing server 140 (or It may be omitted in accordance with the business alliance agreement between the financial institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the virtual account request information to the pseudo-processing server 140 through a predetermined communication means (545), and the pseudo-processing server 140 through the communication means. The virtual account application information provided from the web server 100 is received (550).

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined virtual account request user interface to the client terminal, the client terminal selects a predetermined virtual account through the virtual account request user interface. The application information is input (or selected) and encrypted to be provided to the web server 100 through a predetermined network means, and the virtual server application information is decrypted by the web server 100 by the virtual communication means. Regarding the process of providing the account application information to the provisional processing server 140 provided in the financial institution, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify this figure 6 the customer Various implementation methods for providing the virtual account application information from the terminal to the provisional processing server 140 through the web server 100 can be inferred However, the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 6, the client terminal provides only the virtual account application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, the web server ( In addition to the virtual account application information in the customer terminal in response to the user interface provided to the customer terminal 100) in addition to the virtual account application agreement information (or new application information), virtual account security information, or financial transaction application information, or Although it may be possible to infer an implementation method of providing virtual account processing information or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), the present invention provides the above-mentioned provisional processing agreement information (or a provisional rule) at the customer terminal. Application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial settlement Accept information includes a method is carried out by providing a (non-face-to-face financial transaction or application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 in response to a security function provided in the communication means for connecting the web server 100 and the provisional processing server 140 The virtual account application information (or the provisional processing agreement information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face) Financial transaction application information)), and transmits the encrypted account processing information to the virtual account application information (or false transaction processing information (or new provision application information), or virtual account security information, or financial transaction). It would be possible to infer an implementation method of decrypting application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It includes the method of inferred, and the present invention is not limited thereby.

Referring to FIG. 6, the client terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired or wireless communication network (600), and the web server 100 is connected to the web server 100. Using at least one web-based service provided (605), the web server 100 is a virtual account product for attracting online subscription of the virtual account product according to the present invention to the web-based service provided to the customer terminal While providing the information, a predetermined virtual account request user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the virtual account application user interface is applied to a predetermined virtual account application for online subscription of the financial product from the customer terminal. Periodically check whether the user interface is requested (610), if the financial product request interface is requested from the customer terminal (615), the web server 100 is a predetermined virtual account request user with a predetermined security function An interface is generated (or extracted from a predetermined web source D / B (not shown)) (620), and the virtual account request user interface is provided to the mobile terminal through the network means (625).

Here, the security function provided in the virtual account request user interface, the function of encrypting the virtual account request information input (or selected) from the customer terminal by a predetermined encryption method or the electronic signature of the customer in the virtual account request information It comprises at least one function attached to, preferably made in the form of a security program linked to the virtual account application user interface, wherein the security program is at least one or more encryption for encrypting the virtual account application information It is preferable to comprise a key.

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

Thereafter, the client terminal inputs (or selects) predetermined virtual account application information through the virtual account application user interface (630), and the virtual account application information is at least one virtual application that the customer applies (or purchases). And at least one virtual account product selection information for selecting an account product, agreement agreement information corresponding to the virtual account product, the virtual account deposit amount information, and customer information for the virtual account application customer. Do.

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

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

In addition, when the customer applying for the virtual account product is not a conventional financial transaction member for a financial institution corresponding to the virtual account product (for example, at least one customer account corresponding to the virtual account application customer to the financial institution). Is not established, or the virtual account application customer has no history of financial transactions with the financial institution), the virtual account application user interface, the first terminal to process the first financial transaction with the financial institution; And an interface for outputting financial transaction application terms and conditions and confirming that the customer has agreed to the financial transaction application terms.

The customer applying for the virtual account product is not a conventional financial transaction member for a financial institution corresponding to the virtual account product (e.g., at least one customer account corresponding to the virtual account application customer is opened at the financial institution). Or a non-face-to-face financial transaction customer (e.g., an Internet banking member, or the virtual account customer), or the virtual account customer has no history of financial transactions with the financial institution. Wireless banking member, TV banking member, home banking member, etc.), the virtual account application user interface, at least one or more non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal; Non-face-to-face financial transaction terms and conditions for processing transactions (e.g., about signing up for internet banking) Information, or wireless banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face financial transaction agreement information that the customer agrees to the non-face-to-face financial transaction terms information, or the customer Preferably, the interface includes an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the virtual account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the virtual account product, or financial transactions using the virtual account If the non-face-to-face financial transaction authentication can be omitted for the purpose of the client, the customer agrees (or applies) for the face-to-face financial transaction to process at least one non-face-to-face financial transaction with the financial institution through at least one or more face-to-face financial transaction channels. The interface may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) customer specific information (or code) for processing the excessive tax collection amount is provided to the customer terminal, the customer terminal inputs the customer unique information (or code) through the interface. After (or selection), the input (or selection) of the customer specific information (or code) is transmitted to the web server 100 through the network means, or the customer unique information (or Code) to the web server 100 through the network means.

The web server 100 receiving the encrypted virtual account request information through the network means decrypts the virtual account request information by a decryption method corresponding to the encryption method (645), and the decrypted virtual account request information. (Or provisional processing consent information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information)) In operation 640, the storage device 410 stores the data in a predetermined storage medium 135.

Thereafter, the web server 100 transmits the virtual account application information to the pseudo-processing server 140 through a predetermined communication means (645), and the pseudo-processing server 140 through the communication means. The virtual account application information provided from the web server 100 is received (650).

In more detail, Figure 7 opens a predetermined virtual account based on the virtual account application information provided from the web server 100 in the provisional processing server 140 shown in Figure 1, the government agency (tax, The process of processing a real account operated by a payment institution such as insurance premiums) into the parent account of the virtual account opened, and a person having ordinary knowledge in the field to which the present invention pertains refers to or modified with reference to FIG. Based on the virtual account application information provided to the provisional processing server 140 shown in FIG. 1, various implementation methods for processing a virtual account to be a parent account operated by the financial institution may be inferred. The invention includes all the inferred methods of implementation, and the invention is not limited thereby.

For example, in FIG. 7, only the virtual account application information is provided from the web server 100 to the provisional processing server 140. However, the present invention includes those skilled in the art to which the present invention pertains. In addition to the virtual account application information, the provisional processing agreement information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transactions) Application information) and the like may be inferred from the provisioning method provided to the provisional processing server 140, but the present invention provides the provisional processing information (or provisional application information) to the provisional processing server 140. , Or virtual account security information, financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Including exemplary method is provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the pseudo-processing server 140 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 or FIG. 6, the predetermined virtual account application information (or the provisional processing agreement information (or the provisional information) from the web server 100 shown in FIG. 1 to the server is shown. Application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)), the server requests the virtual account application. Information (or provisional processing consent information (or provisional application information), or virtual account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) In step 700, it is determined whether the virtual account can be opened.

If the virtual account cannot be opened based on the virtual account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), and the web server ( 100 transmits the account opening error information to the customer terminal through a predetermined network means (715), thereby ending the virtual account temporary procedure based on the virtual account application information.

On the other hand, if it is possible to open the virtual account based on the virtual account application information (705), the server in connection with the financial system a predetermined virtual account corresponding to the virtual account application information on the financial system In operation 720, a real account operated by the governmental institution (payment institutions such as tax and premiums) in connection with the financial system is treated as a parent account of the virtual account.

According to an embodiment of the present invention, the server is a mother account corresponding to the real account operated by the government agency (payment institutions such as tax, premium, etc.) to the provisional processing information added to the virtual account ledger as shown in FIG. By adding a number, it is preferable to process a real account operated by the government agency (payment institutions such as tax and insurance premium) into a virtual account serving as the parent account of the virtual account.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the virtual account in the virtual account ledger, predetermined mother account management institution information corresponding to the mother account to be associated with the virtual account, as shown in FIG. It is preferable to process the virtual account processing information including the mother account information in a relational manner so that a real account operated by the government agency (payment institutions such as tax and insurance premiums) is treated as a virtual account as the parent account of the virtual account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a predetermined database linked to the ledger D / B in which the virtual account ledger is registered as shown in FIG. It is preferable to process a real account operated by a payment institution such as tax or insurance premium into a virtual account serving as the parent account of the virtual account.

8 is a diagram illustrating an information processing system for processing an excessive collection tax refund amount according to an embodiment of the present invention.

In more detail, FIG. 8 is a virtual account in the form of a pseudonym for the processing of excessive tax collection of a predetermined government agency through the virtual account registration system shown in FIG. (Or associated) if the refund of the predetermined amount of tax refund information of the predetermined customer in the refund processing server 800, the request to deposit the refund amount to be refunded to the opened virtual account according to the confirmed refund information, The information processing server 820 provided (or linked) at a financial institution deposits the refund amount into the customer virtual account according to the deposit request, and notifies the customer communication means of depositing the virtual account of the refund amount. After that, the system configuration for receiving the refund amount by processing the virtual account as a new account according to whether the customer's identity authentication, Those skilled in the art will be able to infer various implementation methods for a system for processing a virtual account in which the refund amount is deposited as a new account by referring to or modifying the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 8 according to an embodiment of the present invention, an information processing system for processing a virtual account in which the refund amount is received as a new account is provided or linked to a government institution (payment institution such as tax or insurance premium). In order to process the excessive collection tax refund, the excess collection tax refund information of the customer is checked, and the confirmed refund is provided to the information processing server 820 provided (or linked) at the financial institution where the virtual account of the customer is opened. Refund processing server 800 for requesting a deposit amount corresponding to the information to the customer virtual account and the refund processing server 800 is connected through a predetermined communication means and the refund amount from the refund processing server 800 Receiving the virtual account deposit request information of the user, and depositing the refund amount into the customer virtual account according to the received virtual account deposit request information; As it achieved by having a banking system and the information processing server (820) for processing the virtual account to a new account, according to the customer whether the identity authentication, and notification of deposit of the virtual account of the refund amount, operate the virtual account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system The interface module corresponding to the middleware platform, and stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (Database Management System) including at least one database, wherein the financial transactions through the financial system are based on the law and co-decree on the financial real-name transaction and confidentiality of the financial account. When it corresponds to real name financial account corresponding to 15744) Is effectively processed.

According to the implementation method of the present invention, the financial system according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains. If you grow up, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

According to an embodiment of the present invention, the financial system provided in the financial institution is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (for example, a branch network). It is characterized in that, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

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

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

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

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

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

The refund processing server 800 is provided or linked to a government agency (payment organizations such as taxes and insurance premiums), and checks the excessive collection tax refund information of the customer to process the excessive collection tax refund, the virtual of the customer The information processing server 820 provided (or linked) at the financial institution where the account is opened may request a refund of the refund amount corresponding to the confirmed refund information to the customer virtual account.

According to the method of the present invention, the refund processing server 800 is linked with the storage medium 135 for storing the excess tax return information, the customer information and the refund amount of the excessive collection tax refund from the storage medium 135 A refund information confirmation unit 805 for checking refund information including information, and refund payment request information for requesting deposit of the refund amount into the virtual account of the customer in response to the confirmed refund information; A refund processing unit 815 for transmitting to the information processing server 820 provided (or linked) at the established financial institution, and receiving the refund payment details from the information processing server 820, and the received refund payment. After confirming the details, the refund processing details in conjunction with the over-tax collection tax refund target customer information and includes an information storage unit 810 for storing in the storage medium (135) It characterized by comprising.

The refund information checking unit 805 is provided in the refund processing server 800, or stores the excessive collection tax refund information provided in the operating means of the storage medium 135 on the network associated with the refund processing server 800. From the storage medium 135 to check the refund information including the excess tax collection target customer information and refund amount information, and provides the confirmed refund information to the refund processing unit 815.

The refund processing unit 815 checks the refund amount according to the confirmed refund information when the refund information including the excessive tax collection target customer information and the refund amount information is confirmed through the refund information confirmation unit 805. Refund deposit request information for requesting the deposit to the virtual account of the generation, characterized in that for transmitting to the information processing server 820 provided in a financial institution corresponding to the virtual account (for example, the virtual account is opened) .

According to the embodiment of the present invention, the refund payment request information may include the refund withdrawal account information and the refund deposit customer virtual account information.

Here, the communication means for connecting the refund processing server 800 and the information processing server 820, a dedicated communication network for blocking access to a third party other than the refund processing server 800 and the information processing server 820, or Secure communication network (eg, refund processing server 800) to provide a secure communication function between the refund processing server 800 and the information processing server 820 by encrypting the refund payment request information in a predetermined encryption method to the information processing server And a communication network for transmitting the information to the server 820 and decrypting the refund payment request information through a decryption method corresponding to the encryption method in the information processing server 820).

The information processing server 820 is connected to the refund processing server 800 through a predetermined communication means to receive the refund payment request information from the refund processing server 800, and according to the refund payment request information The deposit amount is processed into the customer virtual account, and the customer communication means is notified of the virtual account deposit details of the refund amount, and the virtual account is characterized in that the new account is processed according to whether the customer is authenticated.

According to the method of the present invention, the information processing server 820 is an information receiving unit 825 for receiving refund payment request information from the refund processing server 800, and the refund included in the received refund payment request information An information confirmation unit 830 for confirming the amount of money and the customer information to be refunded, a new management unit 835 for depositing the refund into the customer virtual account in response to the refund request information, and the customer communication means; Information transmitting unit 840 for transmitting the virtual account deposit details of the refund, and the customer authentication unit for checking whether the real name of the customer applying for the financial transaction for the virtual account opened in the new provision is confirmed within a predetermined real name confirmation period (845) ) And a new account processor 850 for processing the virtual account opened as the new bank as a new financial account when the real name of the virtual account opened as the new bank is confirmed. Characterized in that formed by having.

The information receiving unit 825 receives the refund payment request information provided from the refund processing server 800 through the communication means, and sends the received refund payment request information to the information checking unit 830. to provide.

Here, the refund deposit request information may include an excessive collection tax refund target customer information and a refund amount information, the refund withdrawal account information and the refund deposit customer virtual account information.

The information checking unit 830, when the refund payment request information provided from the refund processing server 800 is received through the information receiving unit 825, the excessive collection tax refund target customer included in the received refund payment request information Information and refund amount information and the refund withdrawal account information and the refund deposit customer virtual account information, wherein the confirmed excess collection tax refund target customer information and refund amount information and the refund withdrawal account information and the refund Provide deposit customer virtual account information to the new provision management unit 835.

The new provision management unit 835 processes the virtual account opened as the new provision to be a virtual account operated by the government institution (payment organizations such as taxes and insurance premiums) as the parent account before confirming the real name of the customer. It is characterized by operating.

According to the method of the present invention, the provisional management unit 835 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred to the virtual account) through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

For example, the refund can be withdrawn from the refund withdrawal account, and the deposit refund is deposited into the customer virtual account with reference to the refund payment request information.

By processing the real account operated by the government agency (tax, insurance premiums, etc.) as the parent account of the virtual account as described above, the new provision management unit 835 is a financial real name transaction and secret until the virtual account is verified real name. Prevent violations of the Act on Coverage and Concurrent Act (Presidential Decree No. 15744).

When the refund is deposited into the customer virtual account according to the refund request information, the information transmitting unit 840 sends the refund payment details of the virtual account to the customer communication means (eg, an email, a text message, a wired / wireless telephone, Cell phone, fax, homepage, bulletin board, mini homepage, blog, messenger, etc.) to be notified by sending.

The customer authentication unit 845 is provided with the financial real name transaction and confidentiality while the virtual account opened to the customer through the virtual account registration system shown in FIG. 1 is managed by the provisional management unit 835. The real name of the customer is confirmed within a predetermined real name verification period according to the financial real name verification procedure corresponding to the related laws and the concurrent law (Presidential No. 15744).

According to an exemplary embodiment of the present invention, the customer authentication unit 845 preferably checks whether the real name of the customer for the virtual account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. Do.

According to another embodiment of the present invention, if the customer is a conventional financial transaction customer for the financial institution, and the customer is an Internet banking customer corresponding to the financial institution (eg, the financial institution for the customer) In the case where the real name verification process has been performed), the customer authentication unit 845 preferably confirms whether the real name of the customer for the virtual account is verified through the certificate-based real name verification procedure defined in the Internet banking system. Do.

According to another embodiment of the present invention, if the customer is a conventional financial transaction customer for the financial institution, and the customer is a wireless banking customer corresponding to the financial institution (eg, the financial institution for the customer) In the case where the real name verification process has been performed), the customer authentication unit 845 preferably confirms whether the real name of the customer for the virtual account is verified through a certificate-based real name verification procedure defined in the wireless banking system. Do.

According to another embodiment of the present invention, if the customer is a conventional financial transaction customer for the financial institution, and the customer is a telebanking or home banking or TV banking customer corresponding to the financial institution (eg, the When the financial institution has performed the real name verification process for the customer), the customer authentication unit 845 is the real name of the customer for the virtual account through the certificate-based real name verification procedure defined in the wireless banking system It is possible to confirm that this is confirmed, by which the present invention is not limited.

According to the implementation method of the present invention, the customer authentication unit 845 has a telemarketing function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer within a predetermined real name verification period. Using may periodically request the customer to perform the real name verification procedure for the virtual account.

Alternatively, the customer authentication unit 845 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer within a predetermined real name confirmation period. The customer may be periodically requested to perform a real name verification procedure for the virtual account.

Alternatively, when the customer is a conventional financial transaction customer for the financial institution, the customer authentication unit 845 corresponds to the financial institution in order to confirm the real name for the customer within a predetermined name verification period. A terminal-based financial transaction, or a financial terminal-based financial transaction, including a CD / ATM, or an Internet banking-based financial transaction, or a wireless banking-based financial transaction, or a telebanking-based financial transaction, or a home banking-based financial transaction, or TV. During a banking-based financial transaction, the customer may be requested to perform a real name verification procedure for a virtual account in connection with the financial transaction system.

If the real name for the customer is confirmed, the customer authentication unit 845 generates real name confirmation information for the customer and provides the new account processing unit 850.

Alternatively, when the real name of the customer is confirmed, the customer authentication unit 845 may generate unidentified real name information for the customer and provide it to the new account processing unit 850.

When real name confirmation information is provided from the customer authentication unit 845 including the confirmation of the real name of the customer, the new account processing unit 850 is linked with the financial system to process the virtual account. It characterized in that the processing as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the customer authentication unit 845 including the confirmed name of the customer, the new account processing unit 850 is provided in the financial system. It is preferable to treat the virtual account processed with the provisional provision in association with an alien or information system as a valid new financial account capable of all financial transactions.

According to an exemplary embodiment of the present invention, when a lock is set such that the amount deposited in the opened virtual account is not withdrawn by any financial transaction until the real name of the virtual account is confirmed, the new account processor 850 It is preferable to release the lock on the virtual account in connection with the external system or the information system provided in the financial system, whereby the virtual account processed as the new provision is to be processed as a valid new financial account capable of all financial transactions. Can be.

According to another exemplary embodiment of the present invention, the financial system is provided with a new account processing mother account for the virtual account, and the opened virtual account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into a virtual account processed as a virtual account equipped with the withdrawal prevention function by being processed as an account, the new account processing unit 850 is provided with an external system or information provided in the financial system. It is preferable to release the withdrawal prevention function of the virtual account provided with the withdrawal prevention function in association with the account, and to provide (or erase) the virtual account function associated with the parent account processing account and process the virtual account. As a result, the virtual account processed as the pseudonym may be processed as a valid new financial account capable of all financial transactions.

According to the method of the present invention, when the new account processing unit 850 processes the virtual account as a valid new financial account capable of all financial transactions, the information receiving unit 825 has the refund processing server ( 800 is applied retrospectively to any one of the date of receiving the refund request information or the date of opening the virtual account on the financial system through the virtual account registration system shown in FIG. It is desirable to.

In more detail, FIG. 9 is a virtual account in the form of a pseudonym for processing an excessive collection tax refund of a predetermined government institution through the virtual account registration system shown in FIG. (Or associated) if the refund of the predetermined amount of tax refund information of the predetermined customer in the refund processing server 800, if the customer requests a refund amount to be refunded to the opened virtual account according to the confirmed refund information, The information processing server 820 provided (or linked) at a financial institution deposits the refund amount into the customer virtual account according to the deposit request, and notifies the customer communication means of depositing the virtual account of the refund amount. After that, according to the customer's identity authentication whether the process of processing the virtual account as a new account to collect the refund amount of the excessive collection tax refund As one of ordinary skill in the art to which the present invention pertains, a process of processing a virtual account in which the refunded amount is deposited for a new account for processing the excess tax refund by referring to or modifying the drawing 9. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, if the person skilled in the art to which the present invention belongs, the refund processing server 800 in response to the security function provided in the communication means for connecting the refund processing server 800 and the information processing server 820. However, it will be possible to infer an implementation method of decrypting the refund deposit request information in the present invention, but the present invention includes the inferred implementation method, whereby the present invention is not limited thereto.

Referring to FIG. 9, in response to the storage medium 135 storing the excess tax refund information in the refund processing server 800 illustrated in FIG. 8, the customer information subject to the excessive tax refund from the storage medium 135 Confirm (or extract) the refund information including the refund amount information (1100).

The refund processing server 800 generates refund payment request information for requesting to deposit the refund amount into the virtual account of the customer in response to the confirmed refund information, and communicates the generated refund payment request information. In operation 1105, the customer's virtual account is transmitted to the information processing server 820 provided in (or associated with) the financial institution where the customer's virtual account is opened.

According to an embodiment of the present invention, the refund payment request information may include the refund withdrawal account information and the refund deposit customer virtual account information.

Thereafter, the information processing server receives the refund payment request information provided from the refund processing server 800 through the communication means (1110).

When the refund payment request information provided from the refund processing server 800 is received, the information processing server receives excessive collection tax refund target customer information, refund amount information, and the refund withdrawal included in the received refund payment request information. Check the account information and the refund deposit customer virtual account information (1115).

The information processing server withdraws the refund from the refund withdrawal account in response to the refund payment request information, and deposits the withdrawn refund into the customer virtual account (1120), the refund deposit details of the virtual account to the customer The notification is transmitted through a communication means (for example, an e-mail, a text message, a wired / wireless phone, a mobile phone, a fax, a homepage, a bulletin board, a mini homepage, a blog, a messenger, etc.) (1125).

Subsequently, the information processing server, for the virtual account opened to the customer through the virtual account registration system shown in FIG. According to the corresponding financial real name verification procedure, it is checked whether a real name for the customer is confirmed within a predetermined real name verification period (1130).

According to an exemplary embodiment of the present invention, the information processing server preferably checks whether the real name of the customer for the virtual account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system.

According to another embodiment of the present invention, if the customer is a conventional financial transaction customer for the financial institution, and the customer is an Internet banking customer corresponding to the financial institution (eg, the financial institution for the customer) When the real name verification procedure has been implemented), the information processing server is preferably confirmed whether the real name of the customer for the virtual account is confirmed through the certificate-based real name verification process defined in the Internet banking system.

According to another embodiment of the present invention, if the customer is a conventional financial transaction customer for the financial institution, and the customer is a wireless banking customer corresponding to the financial institution (eg, the financial institution for the customer) When the real name verification procedure has been performed), it is preferable that the information processing server checks whether the real name of the customer for the virtual account is confirmed through the public certificate based real name verification procedure defined in the wireless banking system.

According to another embodiment of the present invention, if the customer is a conventional financial transaction customer for the financial institution, and the customer is a telebanking or home banking or TV banking customer corresponding to the financial institution (eg, the If the financial institution has performed the real name verification process for the customer), the information processing server is confirmed whether the real name of the customer for the virtual account is confirmed through the certificate-based real name verification process defined in the wireless banking system It is possible to confirm, whereby the present invention is not limited.

According to an embodiment of the present invention, the information processing server uses a telemarketing function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer within a predetermined real name confirmation period. The customer may be periodically requested to perform a real name verification procedure for the virtual account.

Alternatively, the information processing server provides the customer with a direct mail (DM) function provided in the financial system (or provided in a financial institution) in order to confirm the real name of the customer within a predetermined real name confirmation period. You may be asked periodically to perform a blindness verification procedure for your virtual account.

Alternatively, when the customer is a conventional financial transaction customer for the financial institution, the information processing server is a window terminal corresponding to the financial institution so that the customer confirms the real name for the customer within a predetermined real name confirmation period. Based financial transactions, or financial terminal based financial transactions, including CD / ATM, or internet banking based financial transactions, wireless banking based financial transactions, or telebanking based financial transactions, or home banking based financial transactions, or TV banking based financial transactions. During the transaction, the customer may be requested to perform the real name verification procedure for the virtual account in connection with the financial transaction system.

If the real name for the customer is confirmed (1135), the information processing server processes the virtual account processed as the new provision in association with the financial system (1140).

According to the implementation method of the present invention, when the real name for the customer is confirmed, the information processing server is connected to the external system or information system provided in the financial system to the virtual account processed by the pseudonym all financial transactions It is desirable to process as valid new financial accounts as possible.

According to an embodiment of the present invention, when a lock is set such that the amount deposited into the opened virtual account is not withdrawn by any financial transaction until the real name verification of the virtual account is established, the information processing server may be configured as the financial system. It is preferable to release the lock on the virtual account in association with the external or information system provided in, so that the virtual account processed as the new provision can be treated as a valid new financial account capable of all financial transactions.

According to another exemplary embodiment of the present invention, the financial system is provided with a new account processing mother account for the virtual account, and the opened virtual account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into a virtual account processed as a virtual account equipped with the withdrawal prevention function by the account, the information processing server is linked with the external system or the information system provided in the financial system. It is preferable to cancel the withdrawal prevention function of the virtual account with the withdrawal prevention function, and to provide (or erase) the virtual account function associated with the parent account processing mother account to process the virtual account. The virtual account processed as a new provision may be processed as a valid new financial account capable of all financial transactions.

According to an embodiment of the present invention, in the information processing server to process the virtual account as a valid new financial account capable of all financial transactions, receiving the refund payment request information from the refund processing server 800 the virtual account establishment date It may be applied retrospectively to any one of the date or the date when the virtual account was opened on the financial system through the virtual account registration system shown in FIG.

In more detail, in FIG. 10, the information processing system shown in FIG. 8 is processed so that a real account operated by the government agency (payment agencies such as tax and insurance premium) is used as a mother account through the process shown in FIG. A process for performing a real name verification process for a virtual account to process a predetermined new financial account. Specifically, the real name verification expiration date is automatically extended so that at least one financial transaction is continuously performed through the virtual account without real name verification. It is about the implementation method to provide.

Those skilled in the art to which the present invention pertains, a virtual account processed as a virtual account with a real account operated by the government agency (payment institutions such as tax and insurance premiums) by referring to or modifying the drawing 10. Various implementation methods for verifying the real name for the account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the information processing server 820 on the virtual account registration system shown in FIG. 8 is referred to as "server" for convenience.

Referring to FIG. 10, the server may include a bank terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telebanking system. A financial transaction system including at least one of a system, a home banking system, and a TV banking system) periodically (or in the financial system) to verify the real name of the customer applying for the virtual account for the virtual account in response to the virtual account application information. Financial transaction system including at least one of a terminal terminal-based financial transaction system, a financial terminal-based financial transaction system including CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name confirmation event occurring from the system (1000).

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

If the real name for the virtual account request customer is not confirmed (1005), the server checks whether the real name verification period for the virtual account has elapsed in response to the virtual account application information in association with the financial system (1010).

If the real name verification period for the virtual account has not elapsed in response to the virtual account application information (1015), the server uses a virtual account whose mother account is a real account operated by the government agency (payment agencies such as tax and premium). The process of checking the customer's real name for the virtual account processed by the service is repeated.

On the other hand, if the real name verification period for the virtual account has elapsed in response to the virtual account application information (1015), the server is associated with the financial system, the real name verification expiration date for the virtual account (for example, included in the new information processing information) By automatically extending the real name verification expiration date (1020), it is possible to continuously provide at least one or more financial transactions through the virtual account without real name verification.

On the other hand, if the real name of the customer applying for the virtual account is confirmed within the real name verification period (1005), the server is linked to the financial system, the real account operated by the government agency (payment institutions such as tax, insurance premium) to the mother account The virtual account is returned to the original virtual account (1025), and the virtual account is processed as a new financial account whose real name is confirmed in association with the financial system (1030).

According to the method of the present invention, the virtual account ledger information is the real account ledger information when a virtual account having a real account operated by the government agency (payment institutions such as taxes and insurance premiums) as the new financial account is processed. In the case of including, the server preferably deletes the new transaction information or virtual account processing information added to the virtual account ledger, it is preferable to process the virtual account as a new financial account whose real name is confirmed.

Alternatively, when the virtual account ledger information includes the virtual account ledger information when the virtual account using the real account operated by the government agency (payment institutions such as tax and premium) as the new financial account is processed as the new financial account, The server erases the virtual account processing information or the virtual account processing information added to the virtual account ledger and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby replacing the virtual account with the new name. It is preferable to process with a financial account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (1035).

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

In more detail, FIG. 11 is a virtual account that uses a real account operated by the government agency (payment institutions such as tax and insurance premium) as a parent account through the process shown in FIG. 9 on the information processing system shown in FIG. A process of performing a real name verification process on a processed virtual account to process a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the virtual account is the original account (for example, the virtual account). The present invention relates to a method for retrieving a financial account (or other virtual account) in which a predetermined amount is transferred to an account, and dormant the virtual account.

If one of ordinary skill in the art to which the present invention belongs, the virtual account processed as a virtual account with a real account operated by the government agency (payment institutions such as tax, premium, etc.) by referring to or modifying this figure 11 Various implementation methods for verifying the real name for the account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following Figure 11, the information processing server 820 on the information processing system shown in Figure 8 is referred to as "server" for convenience.

Referring to FIG. 11, the server may include a bank terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telebanking system. A financial transaction system including at least one of a system, a home banking system, and a TV banking system) periodically (or in the financial system) to verify the real name of the customer applying for the virtual account for the virtual account in response to the virtual account application information. Financial transaction system including at least one of a terminal terminal-based financial transaction system, a financial terminal-based financial transaction system including CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name confirmation event occurring from the system (1100).

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

If the real name for the virtual account request customer is not confirmed (1105), the server checks whether the real name verification period for the virtual account has elapsed in response to the virtual account application information in association with the financial system (1110).

If the real name verification period for the virtual account has not elapsed in response to the virtual account application information (1115), the server uses a virtual account as a parent account of a real account operated by the government agency (payment agencies such as tax and insurance premiums). The process of checking the customer's real name for the virtual account processed by the service is repeated.

On the other hand, if the real name verification period for the virtual account has passed in response to the virtual account request information (1115), the server connects the financial system with a predetermined amount of money deposited in the virtual account in response to the virtual account application information. An account (e.g., a financial account in which a predetermined investment amount (or deposit amount) is deposited into the virtual account in response to the virtual account application information) is returned, and the virtual account is processed as a dormant account in response to the virtual account application information. (1120).

On the other hand, if the real name of the customer applying for the virtual account is confirmed within the real name verification period (1105), the server is linked to the financial system, the real account operated by the government agency (payment agencies such as tax, insurance premium) to the mother account The virtual account is returned to the original virtual account (1125), and the virtual account is processed as a new financial account whose real name is confirmed in connection with the financial system (1130).

According to the method of the present invention, the virtual account ledger information is the real account ledger when the virtual account, which is a parent account operated by the government agency (payment organizations such as tax and insurance premiums), is treated as the new financial account. When the information is included, the server may process the virtual account as a new financial account whose real name is confirmed by erasing the provisional processing information or the virtual account processing information added to the virtual account ledger.

Alternatively, the virtual account ledger information includes the virtual account ledger information when a virtual account in the form of a virtual account having a real account operated by the government agency (payment institution such as tax or insurance premium) as the new financial account. The server clears the virtual account by erasing the provisional transaction information or the virtual account processing information added to the virtual account ledger and replacing (or converting) the virtual account ledger information with the real account ledger information. It is desirable to process with this identified new financial account.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, as the new establishment date in association with the financial system (1135).

According to the present invention, when refunding a tax (or insurance premium), etc. collected by a government agency or the like to a customer, a request is made to deposit a refund into a new virtual account under a customer's name, and the customer is notified of the refund. By converting a virtual account into a real account and receiving a refund, the customer can easily receive a refund for the excessive collection.

In addition, the financial institution has the advantage that the customer can more easily receive the refund and increase the bank deposit at the same time by using the customer refund.

Claims

Opening a virtual account in which the refund of the overpayment tax (or premium) of the customer is to be deposited in the virtual account opening means;

Storing and storing the opened virtual account information and the customer information in an information storage means in a storage medium;

Requesting a deposit of the confirmed refund amount to the customer virtual account when a refund amount for the overpayment tax (or insurance premium) of the customer is confirmed by a refund processing means;

Depositing the refund amount in the virtual management means into the customer virtual account;

Confirming, by a customer authentication means, that the real name of the customer receiving the refunded amount for the virtual account opened as the new provision is confirmed within a real name verification period; And

If the real name of the customer for the virtual account opened in the new account is confirmed in the new account processing means, converting the virtual account opened in the new provision into a new financial account; characterized in that it comprises a How to deal with excessive collection refunds.

The method of claim 1,

The method of claim 1 further comprising the step of transmitting the virtual account deposit details of the refund from the information transmission means to the customer communication means.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

Means for opening a virtual account to which a refund for a customer's overpayment tax (or premium) will be deposited;

Means for storing the opened virtual account information and the customer information in association with the storage medium;

Means for depositing a refund amount of the customer's overpayment tax (or premium) into the customer virtual account;

And a means for converting the virtual account into a real account when the real name of the customer receiving the refund amount for the virtual account opened as the new account is confirmed.