KR20090031392A - System for managing bus vehicle support amount - Google Patents

Abstract

A system of managing a money for financial support for buses is provided to use government supporting fund more conveniently by using a support fund deposit account for natural gas buses thereby the payment for charging natural gas is vicarious executed through the deposit account. A report receiver(1605) receives information about a card dedicated for charging gas and a payment certifying request report including payment price from a payment terminal. A mother account checking unit(1630) checks information of a mother account corresponding to virtual account information. A payment processor(1635) processes payment price through a supporting fund deposit account. A report transmitter(1615) generates a payment certifying report and transmits the payment certifying report to a payment terminal through a VAN.

Description

System for Managing Bus Vehicle Support Amount}

1 is a view showing a virtual account opening system for opening a virtual account using a face-to-face vehicle number according to an embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger according to the establishment of a face-to-face method of a virtual account using a vehicle number as a virtual account number according to an embodiment of the present invention.

3 is a diagram illustrating a virtual account opening process using a face-to-face vehicle number as a virtual account number according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a virtual account opening system for opening a virtual account using a non-face-to-face vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a virtual account ledger configuration according to a non-face-to-face establishment of a virtual account using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a virtual account opening process using a non-face-to-face vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

7A, 7B, and 7C are diagrams illustrating an implementation method using a vehicle number as a virtual account number according to an embodiment of the present invention.

8A and 8B are diagrams illustrating an implementation method using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

9A, 9B, 9C, and 9D are diagrams illustrating an implementation method using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

10A, 10B, and 10C are diagrams illustrating an implementation method using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

11A and 11B are diagrams illustrating an implementation method using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

12 is a diagram showing the configuration of a virtual account operating system according to an embodiment of the present invention.

13 is a diagram illustrating a virtual account operating process according to an embodiment of the present invention.

14 is a diagram illustrating a card issuing system for issuing a gas charging exclusive card to be used for financial transactions or payments in connection with a virtual account according to an embodiment of the present invention.

15 is a diagram illustrating a gas charging dedicated card issuing process to be used for financial transactions or payments in connection with a virtual account corresponding to a predetermined bus vehicle according to an embodiment of the present invention.

16 is a diagram illustrating a payment system configuration using a gas charging card according to an embodiment of the present invention.

17 is a view showing a functional configuration of a payment terminal for payment processing through a gas charging card according to an embodiment of the present invention.

18 is a diagram illustrating an operation process of a payment terminal according to an embodiment of the present invention.

19 is a diagram illustrating a payment processing process using a gas charging card according to an embodiment of the present invention.

<Description of main parts of drawing>

1600: server 1605: professional receiver

1610: information reader 1615: professional transmission unit

1620: virtual account confirmation unit 1625: information transmission unit

1630: mother account verification unit 1635: payment processing unit

1640: storage medium 1645: information storage unit

The present invention is based on the account of the vehicle support provider in which the gas charging support fund for the natural gas vehicle owned by the bus operator is deposited as a mother account, and the gas charging support for each natural gas vehicle for each natural gas vehicle owned by the bus operator. Opening a virtual account including the ledger information and the vehicle number and bus company identification code of the natural gas vehicle to withdraw the gas charging support for each natural gas vehicle from the gas charging support deposited in the mother account; When the payment of the gas charging amount through the virtual account opening means and the gas charging support for each natural gas vehicle, by classifying the vehicle number and bus company identification code of the natural gas vehicle from the virtual account number included in the virtual account information Information extraction means for extraction and the payment processing of the gas charged amount Information storage means for storing the payment processing details and bus company information corresponding to the vehicle number and bus company identification code and storing them in a storage medium, and the terminal (or server) of the vehicle support provider for the payment processing details and the vehicle number and bus company information. It relates to a bus vehicle support operation system including an information transmission means for transmitting periodically.

As financial services have evolved, virtual account services have been introduced to give customers a virtual account number for deposit and withdrawal, and when a customer makes a deposit into the account, it is possible to perform computer processing by distinguishing who deposited the account number.

Since the virtual account service is operated around a mother account connected to at least one or more virtual accounts, a separate collection service is not required after depositing a virtual account, so that a customer can easily open it unlike an existing real account opening. It became.

On the other hand, in operating a large number of vehicles, the bus operator had a problem that time and manpower consumption is not small, such as collecting and depositing the fare as a fare during the settlement process.

At this point in time, a virtual account service for the bus operator fee settlement processing is required.

In addition, it is time for the government to find ways to systematically manage and supplement the natural gas charging fees of buses by buses or bus operators.

An object of the present invention for solving the above problems is to take the account of the vehicle support provider, the gas replenishment fund deposited for the natural gas vehicle owned by the bus operator as a mother account, for each natural gas vehicle owned by the bus operator Check the gas charging support fund for each natural gas vehicle and make a virtual account of the ledger information and the vehicle number and bus company identification code of the natural gas vehicle to withdraw the gas charging support fund for each natural gas vehicle from the gas charging support fund deposited in the mother account. A virtual account opening means for opening a virtual account including the number and the gas charging amount through the gas charging support for each natural gas vehicle, and the virtual account number included in the virtual account information from the virtual account number included in the virtual account information. Information extraction means for classifying and extracting the vehicle number and bus company identification code; Information storage means for storing the payment processing details corresponding to the payment processing of the gas charge amount and the bus operator information corresponding to the vehicle number and the bus operator identification code and storing them in a storage medium, and the payment processing details and the vehicle number and bus operator information. The present invention provides a bus vehicle support operation system including an information transmission means for periodically transmitting to a terminal (or server) of a vehicle support provider.

The bus vehicle support operation system according to the present invention is based on the account of the vehicle support provider in which the gas charging support for the natural gas vehicle owned by the bus operator is deposited as a mother account, and each of the natural gas vehicles owned by the bus operator is provided. Check the gas charging support fund for each natural gas vehicle and extract the ledger information for each natural gas vehicle from the gas charging support fund deposited in the mother account, the vehicle number of the natural gas vehicle and the bus company identification code. Vehicle account of the natural gas vehicle from the virtual account opening means for opening a virtual account including a means and the gas charging amount through the gas charging support for each natural gas vehicle, from the virtual account number included in the virtual account information And information extracting means for classifying and extracting bus operator identification codes. Information storage means for storing the payment processing details corresponding to the payment processing of the gas charge amount and the bus operator information corresponding to the vehicle number and the bus operator identification code and storing them in a storage medium, and the payment processing details and the vehicle number and bus operator information. Characterized in that it comprises a means for transmitting information periodically to the terminal (or server) of the vehicle support provider.

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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

Hereinafter, in order to effectively explain the technical features of the present invention, the virtual account is a virtual account opened one per bus operator-owned bus vehicle, and the parent account associated with the virtual account supports the natural gas charging fee of the bus. The preferred embodiment corresponding to the "fund deposit account" opened in the name of the institution to be described will be described.

1 is a view showing a virtual account opening system for opening a virtual account using a face-to-face vehicle number according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined bus operator requests a virtual account opening for virtual account opening using a vehicle number as a virtual account number through a face-to-face virtual account opening interface. In a system configuration for establishing a virtual account using a virtual account number using a vehicle number having a predetermined financial account (for example, a financial account opened under the name of a bus operator or a financial account opened under the name of a government agency or a local government) as a virtual account number. Specifically, when the bus operator visits a financial institution's counter that opens a virtual account using the vehicle number as a virtual account number, prepares a predetermined virtual account opening application form, and submits it to the counter clerk, The virtual corresponding to the application for opening the virtual account through the counter terminal of the When the left opening application information is provided to the virtual account opening system, the virtual account opening system opens the virtual account using the vehicle number as the virtual account number to the bus operator through the virtual account opening application information in the virtual account opening system. It is about.

If one of ordinary skill in the art to which the present invention pertains, various implementation methods for constructing a virtual account opening system for opening a virtual account using a vehicle number as a virtual account number can be inferred by referring to or modifying the drawing 1. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one or more means for opening a virtual account using the vehicle number based on the virtual account opening application information provided from the bus operator through a predetermined virtual account opening interface on the virtual account opening system shown in FIG. Components corresponding to the functional configuration are referred to as "virtual account opening server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a virtual account opening system for opening a virtual account using the vehicle number as a virtual account number includes a teller terminal used by a teller provided with at least one financial institution. The counter terminal is connected to the communication channel and the virtual account opening server 100 provided on the virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the bus operator visits the financial institution to open a virtual account using the vehicle number as a virtual account number and through a window provided to the financial institution (or through a cashier). Application for opening a predetermined virtual account for opening a virtual account using the vehicle number as a virtual account number (e.g., a document having a form for filling in at least one or more information items for opening a virtual account using the vehicle number as a virtual account number) (Or the counter staff visits the bus company to have the bus company fill out a predetermined virtual account opening application for opening a virtual account using the vehicle number as the virtual account number) When an application for opening an account is submitted to the counter clerk, the counter clerk is assigned a predetermined counter. The information entered in the virtual account opening application is input (or selected) through the teller terminal, the virtual account opening server provided on the virtual account opening system through the financial network to the input (or selection) information It is preferable to transmit to 100.

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the virtual account opening server 100 connected to the teller terminal is a virtual account using the vehicle number as a virtual account number. It is preferable that the ledger server provided on the financial system is established, the financial network connecting the teller terminal and the virtual account opening server 100 is the communication between the teller terminal and the virtual account opening server 100 It is preferable to include a network for connecting the channels.

In the virtual account opening system as described above, a virtual account opening application made by the bus operator, a window terminal used by the window staff, and a financial network connecting the window terminal and the virtual account opening server 100 to the bus. A service provider performs a function of a virtual account opening interface for registering at least one virtual account opening application information for opening a virtual account using the vehicle number as a virtual account number.

At the request of the bus operator, a financial institution that establishes a virtual account using the vehicle number as a virtual account number may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one financial transaction customer. Characterized in that it has a predetermined financial system for providing.

The financial system provided in the financial institution is connected to at least one window terminal provided at a branch (or a main office or a branch) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal, and the financial transaction service includes a financial transaction service for opening a virtual account using the vehicle number as a virtual account number. Do.

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or a main office or a branch) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (and / or another financial institution branch), or at least one financial terminal provided in a public place and connected through a predetermined financial network (e.g., a CD common network). And providing a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is a financial account for opening and operating a virtual account using the vehicle number as a virtual account number. It is preferable to include a transaction service.

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 a mobile terminal), wherein the financial transaction service uses the vehicle number as a virtual account number to open and operate the virtual account. Financial transaction service for opening a virtual account using the number as a virtual account number It comprises are preferred.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) equipped with a connection and browsing function connected to the mobile communication network, or a datatac / mobitex-based wireless data communication network). ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal or a PDA (Personal Digital Assistant) or a smart phone or a telematics, and the financial transaction service is the vehicle. Including a financial transaction service for opening and operating a virtual account using the number as a virtual account number This is preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. A chip-based non-face-to-face financial transaction service is provided, and the financial transaction service preferably includes a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number.

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 a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number. desirable.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least through 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 It provides a non-face-to-face financial transaction service to one or more financial transaction customers, the financial transaction service preferably comprises a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number.

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

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) to access the financial system, and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to at least one or more financial transaction customers (for example, business owners), at least one or more financial based on the financial account And a ledger D / B on a financial system that stores at least one ledger for providing a transaction service, wherein the ledger D / B on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and at least corresponding to each ledger information (e.g., more specifically or supplementing the attributes / functions of each ledger) One or more ledger additional information is stored in association with each other. It is done.

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

The virtual account opening server 100 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side component connected to the teller terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

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

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

Referring to FIG. 1, when the virtual account opening server 100 is connected to the virtual account opening server 100 through the interface unit 105, the virtual account opening server 100 interworks with the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the counter terminal to the counter terminal; and the interface unit 105. Information receiving unit 115 for receiving a predetermined virtual account opening application information input (or selected) through the user interface and transmitting the information through the user interface, and based on the received virtual account opening application information. An information generation unit 120 for generating predetermined virtual account ledger information corresponding to the virtual account opened using the vehicle number as the virtual account number; And an information storage unit 125 for storing the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the bus operator account linked to the opened virtual account in the ledger D / B on the above. It features.

The interface providing unit 110 when the predetermined window terminal is connected to the virtual account opening server 100 via the interface unit 105, the virtual account opening application information corresponding to the functional configuration provided in the window terminal Input (or select) to generate a predetermined user interface that can be transmitted to the virtual account opening server 100 through the financial network, or extracted from a predetermined database (not shown), the interface unit 105 And providing the generated (or extracted) user interface to the teller terminal through the financial network.

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

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 110 may open a virtual account using a vehicle number provided at the teller terminal as a virtual account number. It is preferable to generate (or extract) a user interface that can be provided by a predetermined virtual account opening program for the user, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 105.

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

According to an embodiment of the present invention, the virtual account establishment application information includes bus company information requesting to open a virtual account using the vehicle number as a virtual account number, bus company account information corresponding to a mother account linked to the virtual account, and the like. The bus operator may be configured to include at least one or more vehicle number provided to receive a virtual account according to the present invention.

Here, the bus company information may include at least one of the bus company name, bus company representative information, bus company address, business registration number, and the like.

In addition, bus operator account information associated with the virtual account is information corresponding to a real account (or the bus operator real account) associated with a virtual account using the vehicle number as a virtual account number at the request of the bus operator. In addition, it is preferable to include at least one or more account number and account holder information, etc. for the bus operator already established in the ledger D / B on the financial system.

The vehicle number is a number corresponding to a vehicle owned by the bus operator, and the vehicle number is used as a virtual account number of a virtual account opened through the virtual account opening server according to the present invention. .

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

Here, the virtual account opening validity check is characterized in that whether the financial account corresponding to the bus operator information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system.

In addition, the virtual account establishment validity check is characterized in that to confirm whether the vehicle number included in the virtual account opening application information is input (or selected) to fit a predetermined vehicle number format.

The information generating unit 120 is a predetermined virtual account to be provided in a virtual account using a vehicle number provided by the bus operator as a virtual account number based on the virtual account opening application information received through the information receiving unit 115. And generating ledger information, wherein the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or virtual account). Preferably comprises at least one ledger information to be provided for processing at least one or more financial transactions requested by the bus operator.

Those of ordinary skill in the art to which the present invention pertains may include at least one financial transaction (eg, withdrawal of money, transfer of funds, or payment processing) that should be included in the account ledger (or a virtual account requested by the bus operator). Etc.) to be familiar with at least one ledger information configuration to be processed in order to process, so a detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the information generating unit 120 may convert the vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened.

In this case, the number included in the vehicle number is used as the virtual account number, and the character included in the vehicle number is a predetermined policy (for example, “a” = “1”, “b” = “2“, ”c“). = "3", ..., and "ㅏ" = "1", "ㅓ" = "2", "ㅗ" = "3", ... etc.) is converted into a number to the virtual account number Used as

For example, when the virtual account number is 12 digits and the vehicle number is “43 to 6510”, the letter “a” included in the vehicle number may be converted to “11” according to the above-described policy, and thus the vehicle number. Is converted into “43116510”, and the converted vehicle number may be used as part of the virtual account number (eg, 8 digits).

A more detailed embodiment of converting the vehicle number into a virtual account number will be described with reference to FIGS. 7 to 11 below.

According to an embodiment of the present invention, the information generating unit 120 may generate a unique identification code corresponding to the bus operator.

Here, the unique identification code is processed in association with the virtual account information or bus operator information through the information storage unit 125 is stored in the ledger D / B or storage medium, and the unique identification code is in the vehicle number When a part is to be used as a virtual account number, the corresponding bus service provider information corresponding to the bus to which the virtual account number is assigned may be included on the virtual account number, and the detailed description thereof will be described below with reference to FIG. 7. This will be described with reference to FIG. 11.

According to an embodiment of the present invention, the information generating unit 120 converts the vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened, the virtual account. And generating (or extracting) a predetermined identifier for identifying the number as a virtual account number using the vehicle number, and including the identifier in the virtual account number to be opened, for the virtual account number including the identifier. A more detailed description will be described with reference to FIGS. 7 to 11 below.

Meanwhile, when predetermined virtual account ledger information to be included in the virtual account opened by the information generation unit 120 using the vehicle number as the virtual account number is generated, the information storage unit 125 is provided on the financial system. Generate a predetermined virtual account ledger associated with the account ledger corresponding to the bus operator financial account (parent account) provided in the ledger D / B, and store the generated virtual account ledger information in the virtual account ledger; do.

2 is a view showing the configuration of a virtual account ledger according to the establishment of a face-to-face method of a virtual account using a vehicle number as a virtual account number according to an embodiment of the present invention.

In more detail, FIG. 2 shows the vehicle number provided in the ledger D / B 200 on the financial system for opening a virtual account using the vehicle number as the virtual account number in the virtual account opening system shown in FIG. The structure of the virtual account ledger is processed in connection with the account ledger corresponding to the bus operator account provided, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify the present figure 2 to the virtual account number Various implementation methods for the configuration of a virtual account ledger for opening a virtual account using a number may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG. .

Referring to FIG. 2, in order to open a virtual account using the vehicle number as a virtual account number, a virtual account ledger corresponding to the virtual account is linked with an account ledger corresponding to a virtual account using the vehicle number as a virtual account number. It is characterized in that the processing is provided in the ledger D / B (200) on the financial system, the account ledger corresponding to the bus operator account is characterized in that it is processed in connection with a predetermined customer ledger corresponding to the bus operator.

In FIG. 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the bus operator, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Area, Account Number, President, Business Type , Legal representative, initial transaction date, TRW, DB, usage, parent company number. Including at least one country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code It is preferable to make.

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

In addition, in FIG. 2, the account ledger corresponding to the bus operator account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and other tickets Balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest account It includes account ledger information including at least one of consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, account number corresponding to the account ledger, abstention (monthly), Write down the regular received information including at least one of a period (days), a period extension, an expiration date, and a target amount, or an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares. Trust reception information including one or more, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 2, the virtual account ledger opened using the vehicle number as a virtual account number is processed in a relational manner with an account ledger corresponding to the bus operator account, and the virtual account ledger information is stored in the virtual account. At least one or more of the parent account (bus operator account) information associated with the account and the account ledger provided in the ledger D / B 200 provided on the financial system (or at least one virtual account requested by the bus operator). It is preferred to include at least one ledger information to be provided for processing a financial transaction (eg, withdrawal of money, account transfer, or payment through payment).

According to an embodiment of the present invention, the virtual account ledger information includes a parent account (bus operator account) number associated with the virtual account, and in addition to a predetermined virtual account number, point number, currency, Opening date, virtual account status, virtual account type, virtual account rate, virtual account password, virtual account deposit, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last It includes at least one ledger information such as deposit amount, final withdrawal amount, number of unpaid account transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. The account deposit is an amount corresponding to the virtual account balance, and the actual balance of the virtual account is deposited in the bus operator account. Is preferred.

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

3 is a diagram illustrating a virtual account opening process using a face-to-face vehicle number as a virtual account number according to an exemplary embodiment of the present invention.

In more detail, in FIG. 3, in the virtual account opening system shown in FIG. 1, a predetermined bus operator establishes the virtual account opening server through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a financial network). When the virtual account opening application information is transmitted to the virtual account opening server 100 using the vehicle number as the virtual account number to the virtual account opening server 100, the virtual account opening server 100 receives the virtual account opening application information. As a process for opening a virtual account using the vehicle number as a virtual account number based on the present invention, a person having ordinary knowledge in the art to which the present invention pertains refers to or modifies the vehicle number by referring to FIG. It will be possible to infer various implementation methods for opening a virtual account used as, but the present invention provides Two it included and is not limited to the exemplary method shown in the figure 3.

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

Referring to FIG. 3, when a bus operator intending to open a virtual account using the vehicle number as a virtual account number prepares a predetermined virtual account opening application form and submits the prepared virtual account opening application form, the terminal opens a virtual account opening. The virtual account opening application information included in the virtual account opening application is provided to the server through an interface (300).

Here, the virtual account opening interface preferably includes a virtual account opening application prepared by the bus operator, a teller terminal used by the employee of the financial institution, and a financial network connecting the teller terminal and the server.

According to an embodiment of the present invention, the virtual account opening application information includes bus operator information requesting to open a virtual account using the vehicle number as a virtual account number, and bus operator account information corresponding to a mother account associated with the virtual account. And the bus service provider may be configured to include at least one or more vehicle number provided to receive a virtual account according to the present invention.

Here, the bus company information may include at least one of the bus company name, bus company representative information, bus company address, business registration number, and the like.

In addition, bus operator account information associated with the virtual account is information corresponding to a real account (or the bus operator real account) associated with a virtual account using the vehicle number as a virtual account number at the request of the bus operator. In addition, it is preferable to include at least one or more account number and account holder information, etc. for the bus operator already established in the ledger D / B on the financial system.

The vehicle number is a number corresponding to a vehicle owned by the bus operator, and the vehicle number is used as a virtual account number of a virtual account opened through the virtual account opening server according to the present invention. .

When the predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to determine whether to open a virtual account using the vehicle number as the virtual account number. Validation is checked (305).

Here, the virtual account opening validity check is characterized in that whether the financial account corresponding to the bus operator information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system.

In addition, the virtual account establishment validity check is characterized in that to confirm whether the vehicle number included in the virtual account opening application information is input (or selected) to fit a predetermined vehicle number format.

If the validity to open a virtual account using the vehicle number as the virtual account number is not authenticated through the virtual account opening application information (310), the server transmits the virtual account to the bus operator through the virtual account opening interface. The account opening error information is provided (315), and the operation of opening a virtual account using the vehicle number as the virtual account number to the bus operator is stopped.

On the other hand, if the validity of opening the virtual account using the vehicle number as the virtual account number is authenticated to the bus operator through the virtual account opening application information (310), the server is based on the virtual account opening application information. Virtual account ledger information corresponding to the virtual account to be opened to the bus operator is generated (320).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or at least one financial account is a virtual account) It is preferable to include at least one ledger information to be provided for processing a transaction (eg, withdrawal of money, account transfer, or payment through payment).

The server may convert a vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened.

In this case, the number included in the vehicle number is used as the virtual account number, and the character included in the vehicle number is a predetermined policy (for example, “a” = “1”, “b” = “2“, ”c“). = "3", ..., and "ㅏ" = "1", "ㅓ" = "2", "ㅗ" = "3", ... etc.) is converted into a number to the virtual account number Used as

For example, if the virtual account number is 12 digits and the vehicle number is “43 to 6510”, the letter “a” contained in the vehicle number may be converted to “11” according to the above-described policy, and thus the vehicle The number is converted into “43116510”, and the converted vehicle number may be used as part of the virtual account number (for example, 8 digits), which will be described in more detail with reference to FIGS. 7 to 11 below. do.

According to an embodiment of the present invention, the server generates a unique identification code corresponding to the bus operator.

Here, the unique identification code is processed in association with the virtual account information or bus operator information through the information storage unit 125 is stored in the ledger D / B or storage medium, and the unique identification code is in the vehicle number When a part is to be used as a virtual account number, the corresponding bus service provider information corresponding to the bus to which the virtual account number is assigned may be included on the virtual account number, and the detailed description thereof will be described below with reference to FIG. 7. This will be described with reference to FIG. 11.

According to an embodiment of the present invention, the information generating unit 120 converts the vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened, the virtual account. And generating (or extracting) a predetermined identifier for identifying the number as a virtual account number using the vehicle number, and including the identifier in the virtual account number to be opened, for the virtual account number including the identifier. A more detailed description will be described with reference to FIGS. 7 to 11 below.

If one of ordinary skill in the art belongs to the account ledger (or the virtual account is at least one financial transaction (for example, withdrawal, transfer or payment) Since you will be familiar with at least one ledger information configuration to be processed, a detailed description thereof will be omitted for convenience.

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

If the account ledger corresponding to the financial account (eg, the bus operator financial account) to be linked to the virtual account to be opened to the bus operator is identified (330), the server is located on the ledger D / B (200) on the financial system The virtual account ledger is processed in association with the account ledger corresponding to the financial account provided at 335 and linked to the account ledger corresponding to the financial account at the ledger D / B 200 on the financial system. The generated virtual account ledger information is stored in the generated virtual account ledger (340).

According to another exemplary embodiment of the present invention, after the virtual account using the vehicle number as the virtual account number is opened as described above, the financial institution in which the virtual account is opened is bus operator information included in the virtual account opening application information. Visit the financial institution's counter (or via a CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to the opened virtual account for processing at least one financial transaction. A corresponding card issue can be requested.

Alternatively, after the virtual account using the vehicle number as the virtual account number is established as described above, the bus company visits the financial institution window through the bus company information included in the virtual account opening application information (or the financial A predetermined card issuance may be requested for processing at least one or more financial transactions, either through a CD / ATM operated by an institution or through at least one or more non-face-to-face financial transaction channels.

4 is a diagram illustrating a virtual account opening system for opening a virtual account using a non-face-to-face vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates that a predetermined bus operator requests to open a virtual account using a vehicle number according to the present invention as a virtual account number through a virtual account opening interface 410 including at least one non-face-to-face financial transaction channel. In the virtual account opening system according to the present invention, a system for opening a virtual account using a predetermined bus service provider account as a parent account, specifically, the bus service provider viewed through a predetermined terminal corresponding to a non-face-to-face financial transaction channel When the predetermined virtual account opening application information is provided using the virtual account opening interface 410 according to the present invention, the virtual account opening application information is included in the virtual account opening application information based on the virtual account opening application information. Check the license plate number and use the identified license plate number as a virtual account number. It will be conducted on how to open a virtual bank account.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for constructing a virtual account opening system for opening a virtual account using a vehicle number as a virtual account number by referring to or modifying the drawing 4. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, on the virtual account opening system shown in FIG. 4, a virtual account using a vehicle number as a virtual account number is established based on the virtual account opening application information provided from the bus operator through a predetermined virtual account opening interface 410. Components corresponding to at least one or more means or functional configurations are referred to as " virtual account opening server 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a virtual account opening system for opening a virtual account using the vehicle number as a virtual account number includes: a virtual account opening system supporting a non-face-to-face virtual account opening; In this case, a predetermined bus operator comprises a terminal for inputting (or selecting) predetermined virtual account opening application information and transmitting the virtual account opening server 400 to the terminal. A communication channel is connected to the virtual account opening server 400 provided on the virtual account opening system.

According to an exemplary embodiment of the present invention, when the virtual account opening system supports the creation of a non-face-to-face virtual account, the bus operator includes at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. A virtual account that accesses the virtual account opening server 400 through at least one client terminal and uses the vehicle number as a virtual account number through at least one user interface 410 provided by the virtual account opening server 400. When inputting (or selecting) virtual account opening application information for opening, it is preferable that the client terminal transmits to the virtual account opening server 400 provided on the virtual account opening system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

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

In addition, the client terminal outputs at least one user interface 410 provided by the virtual account opening server 400, and inputs or selects at least one information through the user interface 410 to open the virtual account. A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the virtual account opening server 400, etc.) for transmitting to the server 400 is preferably provided.

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

In the virtual account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the bus operator, and at least one wired network connecting the client terminal and the virtual account opening server 400. And / or the wireless network performs a function of a virtual account opening interface 410 for registering the virtual account opening application information for the bus operator to open a virtual account using the vehicle number as the virtual account number.

According to another exemplary embodiment of the present invention, when the virtual account opening system supports a non-face-to-face virtual account opening, the terminal may be connected to a predetermined financial network (eg, a financial common network) in addition to the client terminal. An automatic teller machine (ATM), a cash dispenser (not shown) including a cash dispenser (CD), and / or a public switched telephone network; A predetermined call terminal (not shown) connected to a wired telephone network such as a PSTN) or a VoIP (Voice over IP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. O) or further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. Thereby, this invention is not limited.

In the case of supporting the establishment of a non-face-to-face virtual account as described above, when the terminal is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the The financial network connecting the virtual account opening server 400 has a function of a virtual account opening interface 410 for registering the virtual account opening application information for the bus operator to open a virtual account using the vehicle number as the virtual account number. Or if the terminal is the call terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the virtual account opening server 400. Is a virtual account for the bus operator to register the virtual account opening application information for opening a virtual account using the vehicle number as a virtual account number And a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal, the terminal (or server) (not shown) and the terminal. (Or a server) (not shown) and the network connecting the virtual account opening server 400 is for the bus operator to register the virtual account opening application information for establishing a virtual account using the vehicle number as the virtual account number. The virtual account opening interface 410 performs a function.

At the request of the bus operator, a financial institution that establishes a virtual account using the vehicle number as a virtual account number may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one financial transaction customer. Characterized in that it has a predetermined financial system for providing.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through a window terminal, wherein the financial transaction service includes a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number. It is preferable.

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). And provide a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service is a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number. It is preferable to comprise a.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, connected to a TCP / IP-based backbone network through the Internet banking server, and / Or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet connection and browsing function) and / or a laptop, the wireless LAN / portable Internet connection, Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or portable terminal equipped with a browsing function, and the financial transaction service opens a virtual account using the vehicle number as a virtual account number. And financial transaction services for operation.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one or more wireless terminals (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) equipped with a connection and browsing function connected to the mobile communication network based on a mobile Internet, or a DataTAC / Mobitex-based wireless data communication network). ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal or a PDA (Personal Digital Assistant) or a smart phone or a telematics, and the financial transaction service is the vehicle. Including a financial transaction service for opening and operating a virtual account using the number as a virtual account number This is preferred.

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

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least through 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 It provides a non-face-to-face financial transaction service to one or more financial transaction customers, the financial transaction service preferably comprises a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , Non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is a financial transaction service for opening and operating a virtual account using the vehicle number as a virtual account number. It is preferable to comprise a.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

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

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

The virtual account opening server 400 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side components connected to the bus operator terminal through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the virtual account opening server 400 is provided with an interface unit 405 for providing a predetermined virtual account opening interface 410 to the bus operator terminal through the network means. It is done.

According to an embodiment of the present invention, when the bus operator terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 is the wired network or a wireless network. A communication interface for connecting at least one communication channel with the client terminal based on a protocol stack defined in the above, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide.

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

Alternatively, when the client terminal is provided with a predetermined virtual account opening program provided by the virtual account opening server 400, the interface unit 405 establishes a communication channel with the client terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the bus operator terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. And a communication interface 410 for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using a WAP / ME protocol defined in the browser program. do.

Or, if the client terminal is provided with a virtual account opening program provided by the virtual account opening server 400, the interface (unit 405) connects the communication channel with the client terminal based on the CDMA protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 4, the virtual account opening server 400 is linked with the interface unit 405 when a bus operator terminal accesses the virtual account opening server 400 through the interface unit 405. An interface providing unit 410 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the bus operator terminal to the bus operator terminal; An information receiving unit 415 for receiving predetermined virtual account opening request information transmitted from the bus operator terminal through the user interface in connection with the unit 405 and the received virtual account opening request information; Information for generating predetermined virtual account ledger information corresponding to the virtual account to be opened using the vehicle number as the virtual account number based on An information storage unit for storing the generated virtual ledger information in association with the accounting unit 420 and the ledger D / B on the financial system in association with the account ledger of the financial account corresponding to the bus operator account linked to the virtual account; And 425).

The interface provider 410 opens a virtual account in response to a functional configuration provided in the bus operator terminal when a predetermined bus operator terminal is connected to the virtual account establishment server 400 through the interface unit 405. Generate a predetermined user interface that can input (or select) application information and transmit it to the virtual account opening server 400 through the network means, or extract from a predetermined database (not shown), and extract the interface unit ( In operation 405, the generated (or extracted) user interface may be provided to the bus operator terminal through the network means.

Thereafter, the bus service provider terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selected) virtual account opening application information through the network means to the virtual account opening server. Send to 400.

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

According to another exemplary embodiment of the present invention, when the bus operator terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface provider 410 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 interoperates with the interface unit 405 when the bus operator terminal inputs (or selects) predetermined virtual account opening application information through the user interface 410 and transmits the information through the network means. And receiving the virtual account opening application information, and provides the received virtual account opening application information to the information generating unit 420.

According to an embodiment of the present invention, the virtual account establishment application information includes bus company information requesting to open a virtual account using the vehicle number as a virtual account number, bus company account information corresponding to a mother account linked to the virtual account, and the like. The bus operator may be configured to include at least one or more vehicle number provided to receive a virtual account according to the present invention.

Here, the bus company information may include at least one of the bus company name, bus company representative information, bus company address, business registration number, and the like.

In addition, bus operator account information associated with the virtual account is information corresponding to a real account (or the bus operator real account) associated with a virtual account using the vehicle number as a virtual account number at the request of the bus operator. In addition, it is preferable to include at least one or more account number and account holder information, etc. for the bus operator already established in the ledger D / B on the financial system.

The vehicle number is a number corresponding to a vehicle owned by the bus operator, and the vehicle number is used as a virtual account number of a virtual account opened through the virtual account opening server according to the present invention. .

According to an embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the virtual account opening validity check is characterized in that whether the financial account corresponding to the bus operator information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system.

In addition, the virtual account establishment validity check is characterized in that to confirm whether the vehicle number included in the virtual account opening application information is input (or selected) to fit a predetermined vehicle number format.

Based on the virtual account establishment application information received through the information receiving unit 115, the predetermined virtual account ledger information to be provided in the virtual account using the vehicle number provided by the bus operator as the virtual account number The virtual account ledger information may be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or at least the virtual account is requested by the bus operator). It is preferred to include at least one ledger information, which must be provided to process one or more financial transactions.

Those of ordinary skill in the art to which the present invention pertains may include at least one financial transaction (eg, withdrawal of money, transfer of funds, or payment processing) that should be included in the account ledger (or a virtual account requested by the bus operator). Etc.) to be familiar with at least one ledger information configuration to be processed in order to process, so a detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the information generating unit 120 may convert the vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened.

In this case, the number included in the vehicle number is used as the virtual account number, and the character included in the vehicle number is a predetermined policy (for example, “a” = “1”, “b” = “2“, ”c“). = "3", ..., and "ㅏ" = "1", "ㅓ" = "2", "ㅗ" = "3", ... etc.) is converted into a number to the virtual account number Used as

For example, when the virtual account number is 12 digits and the vehicle number is “43 to 6510”, the letter “a” included in the vehicle number may be converted to “11” according to the above-described policy, and thus the vehicle number. Is converted into “43116510”, and the converted vehicle number may be used as part of the virtual account number (eg, 8 digits).

A more detailed embodiment of converting the vehicle number into a virtual account number will be described with reference to FIGS. 7 to 11 below.

According to an embodiment of the present invention, the information generating unit 120 may generate a unique identification code corresponding to the bus operator.

Here, the unique identification code is processed in association with the virtual account information or bus operator information through the information storage unit 125 is stored in the ledger D / B or storage medium, and the unique identification code is in the vehicle number When a part is to be used as a virtual account number, the corresponding bus service provider information corresponding to the bus to which the virtual account number is assigned may be included on the virtual account number, and the detailed description thereof will be described below with reference to FIG. 7. This will be described with reference to FIG. 11.

According to an embodiment of the present invention, the information generating unit 120 converts the vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened, the virtual account. And generating (or extracting) a predetermined identifier for identifying the number as a virtual account number using the vehicle number, and including the identifier in the virtual account number to be opened, for the virtual account number including the identifier. A more detailed description will be described with reference to FIGS. 7 to 11 below.

Meanwhile, when predetermined virtual account ledger information to be included in the virtual account opened by the information generation unit 120 using the vehicle number as the virtual account number is generated, the information storage unit 125 is provided on the financial system. Generate a predetermined virtual account ledger associated with the account ledger corresponding to the bus operator financial account (parent account) provided in the ledger D / B, and store the generated virtual account ledger information in the virtual account ledger; do.

FIG. 5 is a diagram illustrating a virtual account ledger according to a non-face-to-face establishment of a virtual account using a vehicle number as a virtual account number according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a bus operator account provided in the ledger D / B 500 on the financial system for opening a virtual account using the vehicle number as a virtual account number in the virtual account opening system shown in FIG. As for the virtual account ledger that is processed in association with the corresponding account ledger, those skilled in the art to which the present invention belongs, open a virtual account using a vehicle number as a virtual account number by referring to or modifying the present figure 5 Various implementation methods for the virtual account ledger configuration can be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, a virtual account ledger corresponding to an opened virtual account using the vehicle number as a virtual account number is processed in association with an account ledger corresponding to the bus operator account and ledger D / B 500 on the financial system. ), The account ledger corresponding to the bus operator account is linked to a predetermined customer ledger corresponding to the bus operator).

In FIG. 5 according to an embodiment of the present invention, the customer ledger is a ledger corresponding to the bus operator, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Area, Account Number, President, Business Type , Legal representative, initial transaction date, TRW, DB, usage, parent company number. Including at least one country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code It is preferable to make.

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

In addition, in FIG. 5, the account ledger corresponding to the bus operator account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and other tickets Balance 1, RBI Balance 2, Bank Balance, Bank Number, Interest Rate, Time Extension, Time Extension, ARS Set-up, Last Deposit Date, Last Withdrawal Date, Last Deposit, Last Withdrawal, Unbooked Transactions, Interest Rate Account, Equity It includes account ledger information including at least one of consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, account number corresponding to the account ledger, abstention (monthly), Periodic reception information including at least one or more periods (days), period extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information containing at least one, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction corresponding to the ledger. It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

Referring to FIG. 5, the virtual account ledger may be processed in a relational manner with an account ledger corresponding to the bus operator account. The virtual account ledger information may include parent account information associated with the virtual account and the financial system. To process the at least one financial transaction (e.g. withdrawal, transfer, or payment through payment) that is to be included in the account ledger provided in the ledger D / B 500 provided on the Preferably at least one ledger information.

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

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

FIG. 6 is a diagram illustrating a virtual account opening process using a non-face-to-face vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, in the virtual account opening system shown in FIG. 4, a predetermined customer has a predetermined virtual account opening interface (for example, a client terminal and network means including at least one wired terminal or a wireless terminal). When the virtual account establishment request information including the vehicle number is transmitted to the virtual account establishment server 400 through the virtual account establishment server 400 based on the virtual account establishment application information from the virtual account establishment server 400 Regarding the process of opening a virtual account used by the present invention, those skilled in the art to which the present invention pertains, various embodiments of opening a virtual account using a vehicle number as a virtual account number by referring to or modifying the present FIG. It would be possible to infer a method, but the present invention encompasses all of the inferred methods of implementation, Side is not limited to the exemplary method shown in Figure 6.

Hereinafter, in FIG. 6, the bus operator terminal illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the virtual account opening server 400 is referred to as a “server” for convenience.

Referring to FIG. 6, a bus operator who wants to open a virtual account using the vehicle number as a virtual account number accesses the server through the network means using the terminal, and the vehicle number is converted into a virtual account number by the server. Request a virtual account opening interface for opening a virtual account to use (600), and correspondingly, the server extracts (or generates) a virtual account opening interface for opening a virtual account using the vehicle number as a virtual account number. Provided to the terminal (605).

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

Here, the virtual account opening interface is a predetermined terminal used by the bus operator, network means for connecting the terminal and the server and inputting predetermined virtual account opening application information from the terminal to the server to transmit to the server. It is preferable to include a user interface for.

According to an embodiment of the present invention, the virtual account establishment application information includes bus company information requesting to open a virtual account using the vehicle number as a virtual account number, bus company account information corresponding to a mother account linked to the virtual account, and the like. The bus operator may be configured to include at least one or more vehicle number provided to receive a virtual account according to the present invention.

Here, the bus company information may include at least one of the bus company name, bus company representative information, bus company address, business registration number, and the like.

In addition, bus operator account information associated with the virtual account is information corresponding to a real account (or the bus operator real account) associated with a virtual account using the vehicle number as a virtual account number at the request of the bus operator. In addition, it is preferable to include at least one or more account number and account holder information, etc. for the bus operator already established in the ledger D / B on the financial system.

The vehicle number is a number corresponding to a vehicle owned by the bus operator, and the vehicle number is used as a virtual account number of a virtual account opened through the virtual account opening server according to the present invention. .

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby opening a virtual account using the vehicle number as a virtual account number to the bus operator. The validity is checked (615).

Here, the virtual account opening validity check is characterized in that whether the financial account corresponding to the bus operator information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system.

In addition, the virtual account establishment validity check is characterized in that to confirm whether the vehicle number included in the virtual account opening application information is input (or selected) to fit a predetermined vehicle number format.

If the validity to open a virtual account using the vehicle number as the virtual account number is not authenticated to the customer through the virtual account opening application information (620), the server provides the bus operator through the virtual account opening interface. It provides the virtual account opening error information using the vehicle number as the virtual account number to the 625, and stops the operation of opening the virtual account to the bus operator.

On the other hand, if the validity of opening the virtual account using the vehicle number as the virtual account number is authenticated to the bus operator through the virtual account opening application information (620), the server is based on the virtual account opening application information. In operation 630, virtual account ledger information corresponding to the virtual account using the number as the virtual account number is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account, and the account ledger provided in the ledger D / B 500 provided on the financial system (or at least one financial account of the virtual account) It is preferable to include at least one ledger information to be provided for processing a transaction (eg, withdrawal of money, account transfer, or payment through payment).

The server may convert a vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened.

In this case, the number included in the vehicle number is used as the virtual account number, and the character included in the vehicle number is a predetermined policy (for example, “a” = “1”, “b” = “2“, ”c“). = "3", ..., and "ㅏ" = "1", "ㅓ" = "2", "ㅗ" = "3", ... etc.) is converted into a number to the virtual account number Used as

For example, when the virtual account number is 12 digits and the vehicle number is “43 to 6510”, the letter “a” included in the vehicle number may be converted to “11” according to the above-described policy, and thus the vehicle number. Is converted into “43116510”, and the converted vehicle number may be used as part of the virtual account number (for example, 8 digits), which will be described in more detail with reference to FIGS. 7 to 11 below. .

According to an embodiment of the present invention, the server generates a unique identification code corresponding to the bus operator.

Here, the unique identification code is processed in association with the virtual account information or bus operator information through the information storage unit 125 is stored in the ledger D / B or storage medium, and the unique identification code is in the vehicle number When a part is to be used as a virtual account number, the corresponding bus service provider information corresponding to the bus to which the virtual account number is assigned may be included on the virtual account number, and the detailed description thereof will be described below with reference to FIG. 7. This will be described with reference to FIG. 11.

According to the exemplary embodiment of the present invention, the information generating unit 120 converts the vehicle number provided by the bus operator included in the virtual account opening request information into the virtual account number system to be opened. And generating (or extracting) a predetermined identifier for identifying the number as a virtual account number using the vehicle number, and including the identifier in the virtual account number to be opened, for the virtual account number including the identifier. A more detailed description will be described with reference to FIGS. 7 to 11 below.

If one of ordinary skill in the art belongs to the account ledger (or the virtual account is at least one financial transaction (for example, withdrawal, transfer or payment) Since you will be familiar with at least one ledger information configuration to be processed, a detailed description thereof will be omitted for convenience.

Thereafter, the server corresponds to a bus operator account to be associated with a virtual account opened by using the vehicle number as a virtual account number among at least one account ledger provided on the ledger D / B 500 on the financial system. The account ledger is checked (635).

If the account ledger corresponding to the bus operator account to be associated with the virtual account using the vehicle number as the virtual account number is identified (640), the server is provided on the ledger D / B 500 on the financial system. Generate a virtual account ledger that is processed in association with the account ledger corresponding to the bus operator account (645), and linked to the account ledger corresponding to the bus operator account in the ledger D / B (500) on the financial system generated The generated virtual account ledger information is stored in the virtual account ledger (650).

According to another exemplary embodiment of the present invention, after the virtual account using the vehicle number as the virtual account number is opened as described above, the financial institution in which the virtual account is opened is bus operator information included in the virtual account opening application information. Visit the financial institution's counter (or via a CD / ATM operated by the financial institution or through at least one non-face-to-face financial transaction channel) to the opened virtual account for processing at least one financial transaction. A corresponding card issue can be requested.

Alternatively, after the virtual account using the vehicle number as the virtual account number is established as described above, the bus company visits the financial institution window through the bus company information included in the virtual account opening application information (or the financial A predetermined card issuance may be requested for processing at least one or more financial transactions, either through a CD / ATM operated by an institution or through at least one or more non-face-to-face financial transaction channels.

7A, 7B, and 7C are diagrams illustrating an implementation method using a vehicle number as a virtual account number according to an embodiment of the present invention.

More specifically, FIGS. 7A, 7B, and 7C are vehicle numbers provided by a predetermined customer (for example, a bus operator, etc.) when a virtual account is opened through the virtual account opening system illustrated in FIG. 1 or 4. The present invention relates to an implementation method using a virtual account number (a vehicle number including letters and numbers described on a vehicle license plate), and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIGS. Although various implementation methods using the vehicle number as a virtual account number may be inferred by referring to or modifying the present invention, the present invention includes all the implementation methods inferred, and is illustrated in FIGS. 7A, 7B, and 7C. It is not limited to the method alone.

The license plate shown in FIG. 7A is not limited to the illustrated one, and may include, for example, a license plate in the form of "Seoul 28/6510" and a license plate in the form of "28ga6510".

7A illustrates an embodiment of a vehicle number provided by a bus operator applying for opening a virtual account when the virtual account is opened, and corresponding consonants and vowels to include letters included in the vehicle number in the virtual account number. FIG. 1 is a diagram illustrating an embodiment of a number.

Referring to FIG. 7A, according to an exemplary embodiment of the present invention for expressing a letter (eg, “a”) included in the vehicle number by a predetermined number, “a” is “1” and “b” is “a”. "2", "c" is set to correspond to "3", ...., "ㅏ" to "1", "ㅓ" to "2", "c" to "3" By setting to correspond to each other, the predetermined characters included in the vehicle number provided by the bus service provider when the virtual account is opened, are converted into numbers corresponding to the corresponding consonants and vowels.

Referring to FIG. 7B, the vehicle number shown in FIG. 7A is an account number system in the form of "CCC-FFF-DDDDDDDD" (for example, C = class code, FFF ≠ 901, D = serial number, and CCC = 560). By way of example), according to the embodiment of the present invention, the virtual account number system as described above is composed of a 14-digit virtual account number system including a predetermined course code, the vehicle number shown in Figure 7a When the number is converted to 8 digits, the converted vehicle number may constitute the serial number portion 8 digits of the 14 digits of the virtual account number.

In addition, the three-digit subject code is limited to a specific number, but according to another embodiment of the present invention, the three-digit subject code allows the virtual account number to be identified as a virtual account number configured using a vehicle number. Certain indexer functions may be performed, and the virtual account number system, the subject code, the indexer, or the like may be modified or modified within the scope of the present invention without departing from the spirit of the present invention. Note that changes may be possible.

Referring to FIG. 7C, the vehicle number shown in FIG. 7A is an account number system in the form of "CCC-FFF-DDDDDDDD" (for example, C = class code, FFF ≠ 901, D = serial number, and CCC = 560). As an exemplary diagram applied to the present invention, according to the embodiment of the present invention, the virtual account number system is configured as a 14-digit virtual account number system including a predetermined course code as described above, and the vehicle number shown in FIG. Some numbers (for example, when the vehicle number “4310” in Fig. 7A uses “6510” as the virtual account number), and when a unique identification code for each bus company is assigned, the conversion The licensed vehicle number may constitute 4 digits of the 8 digits of the serial number portion of the virtual account number.

In addition, as shown in Figure 7c, the first digit of the 8-digit serial number may be composed of a predetermined index to identify that the virtual account number is a virtual account number configured using the vehicle number, Three digits between the vehicle number may be composed of a unique identification code assigned by the bus operator, the present invention is not limited to this virtual account number system, subject code, indexer, serial number in the process of implementing the present invention. The number of digits, operator-specific identification code digits, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

8A and 8B illustrate an implementation method using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

More specifically, FIGS. 8A and 8B illustrate a vehicle number (vehicle license plate) provided by a predetermined customer (for example, a bus operator, etc.) when a virtual account is opened through the virtual account opening system shown in FIGS. 1 or 4. Vehicle number including letters and numbers) as a virtual account number, and those skilled in the art to which the present invention pertains, refer to or modify the drawings 8a and 8b Various implementation methods using the vehicle number as the virtual account number may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 8A and 8B.

In particular, FIGS. 8A and 8B are described with reference to FIG. 7A and according to an exemplary embodiment of the present invention for expressing a letter (eg, “A”) included in the vehicle number by a predetermined number, “a”. Is set to "1", "b" to "2", "c" to "3", ...., "..." to "1" and "ㅓ" to "2" In the case where “c” is set to correspond to “3”, the predetermined characters included in the vehicle number provided by the bus operator when the virtual account is opened are converted into numbers corresponding to the corresponding consonants and vowels. In this case, the virtual account number to be opened is a view showing an embodiment for the case of configuring a 13-digit account number system of the form "BBB-CC-DDDDDDDD".

Referring to FIG. 8A, the vehicle number shown in FIG. 7A is an account number system in the form of "BBB-CC-DDDDDDDD" (for example, BBB = point number, C = subject code, D = serial number, and CC = 82). As an exemplary diagram, the virtual account number system is composed of a 13-digit virtual account number system including a predetermined course code as described above, and the vehicle number is shown in FIG. As shown in FIG. 8, when the number is converted to eight digits, the converted vehicle number may constitute the serial number portion eight digits among the thirteen digits of the virtual account number.

In addition, the three-digit point number may be limited to a specific number, but according to another embodiment of the present invention, the three-digit point number to identify that the virtual account number is a virtual account number configured using a vehicle number. A predetermined indexer function may be performed, and the present invention is not limited thereto, and the virtual account number system, the course code, the indexer, etc. may be modified within the scope of the present invention without departing from the spirit of the present invention. Note that changes may be possible.

Referring to FIG. 8B, the vehicle number shown in FIG. 7A is an account number system in the form of "BBB-CC-DDDDDDDD" (for example, BBB = point number, C = subject code, D = serial number, and CC = 82). In the exemplary embodiment of the present invention, according to an embodiment of the present invention, the virtual account number system is configured as a 13-digit virtual account number system including a predetermined course code as described above, and the vehicle shown in FIG. If some number of the numbers is used (for example, when the vehicle number “4310 6510” in the figure 7a uses “6510” as the virtual account number), and a unique identification code for each bus company is given, The converted vehicle number may constitute 4 digits of the 8 digits of the serial number portion of the virtual account number.

In addition, as shown in FIG. 8B, the first digit of the 8-digit serial number may be configured as a predetermined index that can identify that the virtual account number is a virtual account number configured using a vehicle number. Three digits between the vehicle number may be composed of a unique identification code assigned by the bus operator, the present invention is not limited to this virtual account number system, subject code, indexer, serial number in the process of implementing the present invention. The number of digits, operator-specific identification code digits, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

9A, 9B, 9C, and 9D are diagrams illustrating an exemplary method of using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

More specifically, FIGS. 9A, 9B, 9C, and 9D are provided when a predetermined customer (eg, a bus operator, etc.) applies for opening a virtual account through the virtual account opening system shown in FIGS. 1 or 4. The embodiment of the present invention relates to a method of using a vehicle number (a vehicle number including letters and numbers described on a vehicle license plate) as a virtual account number. 9c and 9d may be inferred from various implementation methods using the vehicle number as a virtual account number, but the present invention includes all the implementation methods inferred from the above figures 9a and 9b. It is not limited only to the implementation method shown in FIG. 9C and FIG. 9D.

In particular, FIGS. 9A, 9B, 9C, and 9D refer to the above-described FIG. 7A, and the method of the present invention for expressing a character (eg, “a”) included in the vehicle number by a predetermined number. According to this, “a” is set to “1”, “b” is set to “2”, “c” is set to “3”, ...., and “ㅏ” is set to “1” and “ ㅓ ”is set to“ 2 ”and“ c ”is set to correspond to“ 3 ”, so that the predetermined characters included in the vehicle number provided by the bus operator when the application for opening the virtual account is made correspond to the corresponding consonants and vowels. In the case of converting to numbers, the virtual account number to be opened constitutes a 14-digit account number system in the form of " CCC-FFF-DDDDDDD-E " (Fig. 9a), and " BBB-CCC-DDDDDDD- " When configuring a 14-digit account number system in the form of E "(Fig. 9b), and forming a 13-character account number system in the form of" BBB-CC-DDDDDDD-E ". FIG. 9C illustrates one embodiment of a case of configuring an 11-digit account number system in the form of “BBB-CC-DDDDD-E” (FIG. 9D).

Referring to FIG. 9A, the vehicle number shown in FIG. 7A is an account number system in the form of "CCC-FFF-DDDDDDD-E" (for example, C = subject code, FFF ≠ 901, D = serial number, and E = verification number). And, in the case of CCC = 561 ~ 569), according to the embodiment of the present invention, the virtual account number system as described above is composed of a 14-digit virtual account number system including a predetermined course code, etc. In addition, some numbers of the vehicle numbers shown in FIG. 7a are used (for example, when the vehicle number “4310 of the vehicle number“ 4310 6510 ”in FIG. 7a is used as a virtual account number), and also by the respective bus company. When the unique identification code is assigned, the converted vehicle number may constitute 4 digits of the 7 digits of the serial number portion of the virtual account number.

In addition, as shown in FIG. 9A, the first digit of the seven digits of the serial number may be composed of a predetermined index that can identify that the virtual account number is a virtual account number configured using a vehicle number. Two digits between the vehicle number may be composed of a unique identification code assigned by the bus operator, the present invention is not limited thereto, and the skilled person in the art implements the virtual account number system, a subject code, an indexer, and a serial number. The number of digits, operator-specific identification code digits, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

For example, the subject code may perform a predetermined indexer function for identifying that the virtual account number is a virtual account number configured using a vehicle number.

Referring to FIG. 9B, the vehicle number shown in FIG. 7A is assigned an account number system in the form of “BBB-CCC-DDDDDDD-E” (eg, B = point number, C = subject code, D = serial number, E = verification). Number, and CCC = 901), according to the implementation method of the present invention, the virtual account number system as described above, the 14-digit virtual account number system including a predetermined point number and subject code, etc. And some number of the vehicle number shown in FIG. 7A (for example, when the vehicle number “4310 in FIG. 7A” uses “6510” as the virtual account number), and the bus When a unique identification code for each operator is provided, the converted vehicle number as shown in FIG. 7A may constitute four digits of the seven digits of the serial number portion of the virtual account number.

In addition, as shown in FIG. 9B, the first digit of the seven digits of the serial number may be configured as a predetermined index that can identify that the virtual account number is a virtual account number configured using a vehicle number. Two digits between the vehicle number may be composed of a unique identification code assigned by the bus operator, the present invention is not limited thereto, and the skilled person in the art implements the virtual account number system, a subject code, an indexer, and a serial number. The number of digits, operator-specific identification code digits, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

For example, the point number or the subject code may perform a predetermined indexer function for identifying that the virtual account number is a virtual account number configured using a vehicle number.

Referring to FIG. 9C, the vehicle number shown in FIG. 7A is assigned an account number system in the form of “BBB-CC-DDDDDDD-E” (eg, B = point number, C = subject code, D = serial number, E = verification). Number, and CC = 81), according to the embodiment of the present invention, the virtual account number system as described above is a 13-digit virtual account number system including a predetermined point number and course code, etc. And using some numbers of the vehicle numbers shown in FIG. 7A (for example, when using “6510” of the vehicle number “43” of 6510 in FIG. 7A as the virtual account number), and also the bus company. When a unique identification code is given, the vehicle number converted as shown in FIG. 7A may constitute four digits of the seven digits of the serial number portion of the virtual account number.

In addition, as shown in FIG. 9C, the first digit of the seven digits of the serial number may include a predetermined index that can identify that the virtual account number is a virtual account number configured using a vehicle number. Two digits between the vehicle number may be composed of a unique identification code assigned by the bus operator, the present invention is not limited thereto, and the skilled person in the art implements the virtual account number system, a subject code, an indexer, and a serial number. The number of digits, operator-specific identification code digits, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

For example, the point number or the subject code may perform a predetermined indexer function for identifying that the virtual account number is a virtual account number configured using a vehicle number.

Referring to FIG. 9D, the vehicle number shown in FIG. 7A is assigned an account number system in the form of “BBB-CC-DDDDD-E” (eg, B = point number, C = subject code, D = serial number, E = verification). Number, and CC = 99), according to the embodiment of the present invention, the virtual account number system as described above is a 11-digit virtual account number system including a predetermined point number and course code, etc. And use some numbers of the vehicle numbers shown in FIG. 7A (for example, when the vehicle number “4310 in FIG. 7A” uses “6510” as the virtual account number) and FIG. 7A. The converted vehicle number may constitute four digits of the five digits of the serial number portion of the virtual account number.

In addition, as shown in FIG. 9d, the first digit of the serial number may include a unique identification code of the bus operator, and the present invention is not limited thereto. , Subject code, indexer, serial number digits, operators specific identification code digits, etc. specifies that modifications or changes can be made within the scope of the present invention.

For example, the point number or the subject code may perform a predetermined indexer function for identifying that the virtual account number is a virtual account number configured using a vehicle number.

10A, 10B, and 10C illustrate a method of implementing a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

More specifically, FIGS. 10A, 10B, and 10C are vehicle numbers provided by a predetermined customer (eg, a bus operator) when a virtual account is opened through a virtual account opening system shown in FIG. 1 or 4. The present invention relates to an implementation method using a virtual account number (a vehicle number including a letter and a number described in a vehicle license plate). Various implementation methods using the vehicle number as a virtual account number may be inferred by referring to or modifying the present invention, but the present invention includes all the implementation methods inferred from the embodiments shown in FIGS. 10A, 10B, and 10C. It is not limited to the method alone.

In particular, FIGS. 10A, 10B, and 10C are described with reference to FIG. 7A, according to an exemplary embodiment of the present invention for expressing a character (eg, “a”) included in the vehicle number by a predetermined number. Set “a” to “1”, “b” to “2”, “c” to “3”, ...., “ㅏ” to “1” and “ㅓ” to "2" and "c" are set to correspond to "3", so that the predetermined characters included in the vehicle number provided by the bus operator when applying for opening the virtual account are numbers corresponding to the corresponding consonants and vowels. In the case of conversion, the virtual account number to be opened constitutes a 12-digit account number system in the form of "BBB-CC-DDDDDD-E" (Fig. 10a), and in the form of "XCCC-EDD-DDDDDD". When configuring a digit account number system (Fig. 10b) and when configuring a 14 digit account number system of the form "BBB-DDDDD-E-CC-KKK" ( If a view showing an embodiment of a 10c).

Referring to FIG. 10A, the vehicle number shown in FIG. 7A is an account number system in the form of "BBB-CC-DDDDDD-E" (e.g., B = point number, C = subject code, D = serial number, E = verification). Number)), according to the embodiment of the present invention, the virtual account number system as described above is composed of a 11-digit virtual account number system including a predetermined point number and course code, etc. Some numbers of the vehicle numbers shown in 7a are used (for example, when the vehicle number “4310 6510” of the vehicle number “4310 6510” in FIG. 7a is used as a virtual account number) and the vehicle number converted as shown in FIG. 7a. May constitute 4 digits of the 6 digits of the serial number portion of the virtual account number.

In addition, as shown in Figure 10a, may be composed of a unique identification code assigned to the bus operator, not limited to the virtual account number system, subject code, indexer, The number of digits of the serial number, the number of unique identification code of the operator, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

For example, the point number 3 digits and the subject code 2 digits may be limited to a specific number, but according to another embodiment of the present invention, the 3 digits or the subject code 2 digits is the virtual account number is a vehicle number A predetermined indexer function may be used to identify the virtual account number configured using the virtual account number.

Referring to FIG. 10B, the vehicle number shown in FIG. 7A is assigned an account number system in the form of “XCCC-EDD-DDDDDD” (for example, X = shortened institution code, E = verification code, C = subject code, and D = serial number. In this case, according to the implementation method of the present invention, the virtual account number system is composed of a 13-digit virtual account number system including a predetermined course code as described above, and is illustrated in FIG. When the vehicle number is converted into 8 digits, the converted vehicle number may constitute the serial number portion 8 digits of the 14 digits of the virtual account number.

In addition, the three-digit subject code is limited to a specific number, but according to another embodiment of the present invention, the three-digit subject code allows the virtual account number to be identified as a virtual account number configured using a vehicle number. Certain indexer functions may be performed, and the virtual account number system, the subject code, the indexer, or the like may be modified or modified within the scope of the present invention without departing from the spirit of the present invention. Note that changes may be possible.

In addition, according to another embodiment of the present invention, the vehicle number shown in Figure 7a of the account number system in the form of "XCCC-EDD-DDDDDD" (for example, X = shortened organization code, E = verification code, C = subject code) , D = serial number), according to the embodiment of the present invention, the virtual account number system as described above is composed of a 13-digit virtual account number system including a predetermined course code, Some numbers of the vehicle numbers shown in FIG. 7a are used (for example, when “6510” of the vehicle numbers “43 and 6510” of FIG. 7a are used as virtual account numbers), and also a unique identification code for each bus company. When a predetermined indexer is included, the converted vehicle number may constitute 4 digits of the 8 digits of the serial number portion of the virtual account number.

In addition, as shown in Figure 10b2, the first two digits of the 8-digit serial number may be composed of a predetermined index to identify that the virtual account number is a virtual account number configured using the vehicle number, Two digits between the vehicle number may be composed of a unique identification code assigned by the bus operator, the present invention is not limited thereto, and the skilled person in the art implements the virtual account number system, a subject code, an indexer, and a serial number. The number of digits, operator-specific identification code digits, etc. specify that modifications or changes may be made without departing from the spirit of the present invention.

For example, the three-digit course code may be limited to a specific number, but according to another embodiment of the present invention, the three-digit point number may identify the virtual account number configured using a vehicle number. Can perform a predetermined indexer function.

Referring to FIG. 10c, the vehicle number shown in FIG. 7a is assigned an account number system in the form of “BBB-DDDDD-E-CC-KKK” (eg, B = point number, E = verification number, C = subject code, D = Serial number), according to the embodiment of the present invention, the virtual account number system as described above is composed of a 14-digit virtual account number system including a predetermined course code, etc. Some numbers of the vehicle number shown in FIG. 7A are used (for example, when the vehicle number “4310 of FIG. 7A” is “6510” as the virtual account number), a unique identification code assigned to the bus operator is used. When included, the converted vehicle number may constitute four digits of the five digits of the serial number portion of the virtual account number.

In addition, as shown in FIG. 10C, the unique identification code may constitute the first digit of the serial number, and the present invention is not limited thereto, and a person skilled in the art can implement the virtual account number system, a subject code, or an indexer. , Serial number digits, operators unique identification code digits, etc. specify that modifications or changes may be possible without departing from the spirit of the present invention.

For example, the three-digit point number and two-digit course code may be limited to a specific number. According to another embodiment of the present invention, the three-digit point number or two-digit course code may be used for the virtual account number. It can perform a predetermined indexer function to identify the configured virtual account number.

11A and 11B illustrate an implementation method using a vehicle number as a virtual account number according to another exemplary embodiment of the present invention.

More specifically, FIGS. 11A and 11B illustrate a vehicle number (vehicle license plate) provided by a predetermined customer (for example, a bus operator, etc.) when a virtual account is opened through the virtual account opening system shown in FIGS. 1 or 4. Vehicle number including letters and numbers) as a virtual account number, and those skilled in the art to which the present invention pertains, refer to or modify the drawings 11a and 11b Various implementation methods using the vehicle number as the virtual account number may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 11A and 11B.

Particularly, FIGS. 11A and 11B are referred to as "a" according to an exemplary embodiment of the present invention for expressing a letter (eg, "a") included in the vehicle number by a predetermined number, with reference to FIG. 7a described above. Is set to "1", "b" to "2", "c" to "3", ...., "..." to "1" and "ㅓ" to "2" In the case where “c” is set to correspond to “3”, the predetermined characters included in the vehicle number provided by the bus operator when the virtual account is opened are converted into numbers corresponding to the corresponding consonants and vowels. In the case where the virtual account number to be opened constitutes a 12-digit account number system in the form of "BBBB-CC-DDDDDE" (Fig. 11a), and a 13-digit account number system in the form of "BBBB-DD-DDDDDDDE" FIG. 11 is a diagram showing an embodiment of the configuration (Fig. 11b).

Referring to FIG. 11A, the vehicle number shown in FIG. 7A is an account number system in the form of "BBBB-CC-DDDDDE" (for example, B = point number, C = subject code, D = serial number, and E = verification number. In this case, according to the implementation method of the present invention, the virtual account number system as described above is composed of a 12-digit virtual account number system including a predetermined point number and a subject code, and the like. When some numbers of the vehicle numbers shown are used (for example, when the vehicle number “4310” of FIG. 7A uses “6510” as the virtual account number), the bus operator is given a unique identification code. The vehicle number converted as shown in FIG. 7A may constitute four parts of the five digits of the serial number part of the virtual account number.

In addition, as shown in Figure 11a, the first digit of the serial number may be composed of the operator-specific identification code, not limited to this, the virtual account number system or subject code in the process of implementing the present invention by those skilled in the art , Indexer, serial number digits, operators specific identification code digits, etc. specifies that modifications or changes may be possible without departing from the spirit of the present invention.

For example, the point number 4 digits and the subject code 2 digits may be limited to a specific number, according to another embodiment of the present invention, the point number 4 digits or the subject code 2 digits is the virtual account number using the vehicle number It can perform a predetermined indexer function to identify the configured virtual account number.

Referring to FIG. 11B, the vehicle number shown in FIG. 7A is an account number system in the form of "BBBB-CC-DDDDDDDE" (for example, B = point number, C = subject code, D = serial number, and E = verification number. In this case, according to the implementation method of the present invention, the virtual account number system as described above is composed of a 12-digit virtual account number system including a predetermined point number and a subject code, and the like. When some numbers of the vehicle numbers shown are used (for example, when the vehicle number “4310” of FIG. 7A uses “6510” as the virtual account number), the bus operator is given a unique identification code. The vehicle number converted as shown in FIG. 7A may constitute four parts of the seven digits of the serial number part of the virtual account number.

In addition, as shown in Figure 11b, the first digit of the seven-digit serial number may be composed of a predetermined index that can identify that the virtual account number is a virtual account number configured using the vehicle number, the indexer and the vehicle The two digits between the numbers may be configured by the operator's unique identification code, and the present invention is not limited thereto, and a person skilled in the art can implement the virtual account number system, the subject code, the indexer, the number of the serial number, and the operator's unique identification. The code digits and the like specify that modifications and changes may be made without departing from the spirit of the present invention.

For example, the point number 4 digits and the subject code 2 digits may be limited to a specific number, according to another embodiment of the present invention, the point number 4 digits or the subject code 2 digits is the virtual account number using the vehicle number It can perform a predetermined indexer function to identify the configured virtual account number.

Fig. 12 is a diagram showing the configuration of a virtual account operating system according to an embodiment of the present invention.

In more detail, FIG. 12 shows a virtual account using a predetermined vehicle number as a virtual account number through a virtual account opening system shown in FIG. 1 or FIG. 4 after being opened to a bus company applying for the virtual account opening. The bus operator withdraws the amount deposited in the opened virtual account, or processes at least one or more financial transactions (e.g., confirms the deposit amount of the virtual account, includes details) through the opened virtual account, or the opened In the case of processing payment through a virtual account, a predetermined terminal (or server) provided to the bus operator periodically (for example, weekly, monthly, or quarterly) for using a predetermined virtual account corresponding to the opened virtual account. As a system configuration provided by), those skilled in the art to which the present invention pertains, see FIG. Although it is possible to infer various implementation methods for the virtual account management system by modifying the present invention, the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. No.

Referring to FIG. 12, the virtual account operating system corresponds to an opened virtual account using a vehicle number as a virtual account number at the request of a bus operator or the like through the virtual account opening system shown in FIG. 1 or 4. A financial system for operating and managing a virtual account ledger, and extracting at least one deposit and withdrawal history corresponding to the virtual account in connection with the financial system to generate a predetermined virtual account usage history, and then a terminal corresponding to the bus operator. (Or a server) characterized by comprising a virtual account management server 1200 to provide.

Here, through the virtual account opening system shown in FIG. 1 or FIG. 4, a finance for operating and managing a virtual account ledger corresponding to a virtual account opened by using a predetermined vehicle number provided by the bus operator as a virtual account number. Detailed description of the system will be described with reference to FIG. 1 or FIG. 4, and a detailed description of the financial system is omitted in this FIG. 12 for convenience.

When a virtual account using a predetermined vehicle number as a virtual account number is opened to a bus operator applying for opening the virtual account through the virtual account opening system shown in FIG. 1 or 4, the ledger D / B on the financial system The virtual account ledger corresponding to the virtual account is provided, and a virtual account deposit history in which a predetermined payment amount is deposited from the bus operator account corresponding to the mother account of the virtual account to the virtual account, or the virtual account. A virtual account deposit history in which revenue (for example, transportation charges) generated from a vehicle having a vehicle number corresponding to the bank account is deposited, and a predetermined amount is withdrawn from a predetermined financial terminal (or financial institution window) in the virtual account. Or withdraw a virtual account with which a predetermined amount is transferred from the virtual account to at least one financial account. A characterized in that it stores.

According to the method of the present invention, the virtual account withdrawal history corresponding to the virtual account is characterized by including the date and time information, withdrawal amount information and withdrawal target information.

Here, the withdrawal date and time information among the virtual account withdrawal history, preferably comprises at least one or more of the year / month / day and hour / minute / second withdrawal of the withdrawal amount from the virtual account.

The withdrawal amount information of the virtual account withdrawal information is an amount of money deposited in the virtual account (for example, a payment amount to be paid from the bus operator account to the virtual account corresponding to the virtual account deposit details, Preferably, the amount includes the amount withdrawn to at least one or more of the withdrawal targets of the bus operator account (preferably the mother account) before withdrawal from the virtual account.

In addition, the withdrawal target information in the virtual account withdrawal history, it is preferable that the amount deposited in the virtual account includes information for identifying the withdrawn or withdrawn from the bus operator account, or the transfer account.

The virtual account deposit history corresponding to the virtual account may include deposit date and time information, deposit amount information, and deposit target information.

Here, the deposit date and time information of the virtual account deposit history, preferably comprises at least one or more of the year / month / day and hour / minute / second when the deposit amount is deposited into the virtual account.

In addition, the deposit amount information of the deposit details of the virtual account, it is preferable to include a traffic fare obtained in a vehicle having a vehicle number corresponding to the virtual account.

At this time, the deposit may be deposited from the driver (eg, bus driver, etc.) who drove the vehicle, and the amount included in the fare settlement collected by the bus operator from the vehicle from the bus operator to the vehicle number. The deposit can be made to the corresponding virtual account.

According to the method of the present invention, the amount deposited in the virtual account is withdrawn from the bus operator account and is assigned to a predetermined financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser; In the case of withdrawal through a CD) including at least one CD), it is preferable that the withdrawal target information includes the financial terminal information.

Alternatively, when the amount deposited in the virtual account is withdrawn from the bus operator account and withdrawn through a predetermined financial institution window, the withdrawal target information is the financial institution window information (or the financial institution window terminal information, or the Financial institution counter staff information).

Alternatively, when the amount deposited in the virtual account is withdrawn from the bus operator account and transferred to a predetermined financial account, the withdrawal target information may include the financial account information with which the withdrawal amount is transferred to the account. Do.

Alternatively, the amount deposited in the virtual account is withdrawn from the bus operator account by a predetermined payment request to a financial account of the predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). In the case of a bank transfer, the withdrawal target information may include the payment requesting institution information (or the financial account information of the payment requesting institution) in which the withdrawal amount is transferred to the account.

Referring to FIG. 12, the virtual account operation server 1200 may include a bus account account opened under a predetermined virtual account ledger (for example, a bus company name) provided in a ledger D / B provided on the financial system. Check the information extraction unit 1225 for extracting at least one virtual account withdrawal history from the virtual account ledger corresponding to the virtual account, and the virtual account usage history according to each withdrawal target included in the virtual account withdrawal history; An information confirming unit 1220 and an information storage unit 1215 for storing the virtual account usage history in a predetermined storage medium 1230 in association with bus operator information and virtual account information corresponding to the bus operator; The storage medium 1230 includes an information transmitter 1210 for transmitting the stored virtual account usage history to a bus operator terminal (or server) corresponding to the bus operator information. Characterized in that made.

According to the present invention, the virtual account operation server 1200 connects and manages a communication channel for transmitting the virtual account usage history to a bus operator terminal (or server) corresponding to the bus operator information through a predetermined network means. It characterized by comprising an interface unit 1205 to.

According to an exemplary embodiment of the present invention, the interface unit 1205 transmits a large amount of virtual account usage history to the bus service provider terminal (or server) corresponding to the bus service provider information through the network means. It is preferable to connect and manage a predetermined communication channel according to the communication protocol agreed with the (or the server).

For example, if the bus service provider server is an ERP server provided to the bus service provider, the interface unit 1205 may use a communication protocol contracted to securely transmit at least one virtual account usage history to the ERP server through the network means. Accordingly, a predetermined communication channel can be connected and managed.

In addition, a predetermined internet banking program is provided in the bus operator terminal, and the server (for example, the virtual account operating server is interlocked with the internet banking server or the virtual account operating server is internet banking) through the internet banking program. , Etc.) can be provided through the Internet banking program.

Those skilled in the art to which the present invention pertains, according to the characteristics of the bus operator terminal (or server) at least one or more virtual account usage history in the virtual account management server 1200 through the network means Since technical features of various communication protocol configurations for secure transmission to a bus operator terminal (or server) may be inferred, a detailed description thereof will be omitted for convenience.

The information extracting unit 1225 corresponds to a virtual account ledger provided in a ledger D / B provided on the financial system (for example, a virtual account having a bus operator account opened under a predetermined bus company name as a parent account). Extracting at least one virtual account deposit and withdrawal history corresponding to the opened virtual account using the vehicle number as the virtual account number through the virtual account opening system shown in FIG. 1 or 4 from the virtual account ledger) do.

According to the method of the present invention, the deposit and withdrawal details of the virtual account corresponding to the virtual account include deposit and withdrawal date and time information, withdrawal and withdrawal amount information and withdrawal and withdrawal target information.

Here, the withdrawal date and time information among the virtual account withdrawal history, preferably comprises at least one or more of the year / month / day and hour / minute / second withdrawal of the withdrawal amount from the virtual account.

The withdrawal amount information of the virtual account withdrawal information is an amount of money deposited in the virtual account (for example, a payment amount to be paid from the bus operator account to the virtual account corresponding to the virtual account deposit details, Preferably, the amount includes the amount withdrawn to at least one or more of the withdrawal targets of the bus operator account before the withdrawal from the virtual account.

In addition, the withdrawal target information in the virtual account withdrawal history, it is preferable that the amount deposited in the virtual account includes information for identifying the withdrawn or withdrawn from the bus operator account, or the transfer account .

According to the method of the present invention, the amount deposited in the virtual account is withdrawn from the bus operator account and is assigned to a predetermined financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser; When the withdrawal is made through a CD) including at least one CD), it is preferable that the withdrawal target information includes the financial terminal information.

Alternatively, when the amount deposited in the virtual account is withdrawn from the bus operator account and withdrawn through a predetermined financial institution window, the withdrawal target information is the financial institution window information (or the financial institution window terminal information, or the Financial institution counter staff information).

Alternatively, when the amount deposited in the virtual account is withdrawn from the bus operator account and transferred to a predetermined financial account, the withdrawal target information may include financial account information with the withdrawal amount transferred to the account. .

Alternatively, the amount deposited in the virtual account is withdrawn from the bus operator account by a predetermined payment request to a financial account of the predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). In the case of a bank transfer, the withdrawal target information may include the payment requesting institution information (or the financial account information of the payment requesting institution) in which the withdrawal amount is transferred to the account.

The virtual account deposit history corresponding to the virtual account may include deposit date and time information, deposit amount information, and deposit target information.

Here, the deposit date and time information of the virtual account deposit history, preferably comprises at least one or more of the year / month / day and hour / minute / second when the deposit amount is deposited into the virtual account.

In addition, the deposit amount information of the deposit details of the virtual account, it is preferable to include a traffic fare obtained in a vehicle having a vehicle number corresponding to the virtual account.

At this time, the deposit may be deposited from the driver (eg, bus driver, etc.) who drove the vehicle, and the amount included in the fare settlement collected by the bus operator from the vehicle from the bus operator to the vehicle number. The deposit can be made to the corresponding virtual account.

When at least one virtual account deposit and withdrawal history is extracted by the information extracting unit 1225, the information checking unit 1220 classifies the virtual account deposit and withdrawal contents by the deposit and withdrawal targets and records the details of virtual account usage according to each deposit and withdrawal target. It is characterized by checking.

According to an embodiment of the present invention, the information checking unit 1220 may be a financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser) of the deposit and withdrawal target information among the virtual account deposit and withdrawal details. Virtual account deposit and withdrawal history corresponding to a financial automated device including at least one Dispenser; CD, or the withdrawal target information is provided in the financial institution window information (or the financial institution window terminal information or the financial institution window staff information). It is preferable to check the virtual account usage history corresponding to the financial transaction using the virtual account, the corresponding virtual account deposit and withdrawal details, or the virtual account deposit and withdrawal details corresponding to the deposit and withdrawal target information corresponding to the bank account information.

In addition, the information checking unit 1220 is a payment requesting agency information that the withdrawal target information of the virtual account withdrawal information corresponding to a predetermined payment requesting institution (for example, online payment merchant, or offline payment merchant). It is preferable to check the virtual account usage history corresponding to the payment settlement using the virtual account for the virtual account withdrawal details corresponding to (or financial account information of the payment requesting institution).

When at least one virtual account usage history is confirmed by the information confirming unit 1220, the information storage unit 1215 uses the at least one checked virtual account usage history corresponding to the bus service provider and the virtual information. It is characterized by storing in a predetermined storage medium 1230 in association with the account information.

Here, the bus service provider information stored in the storage medium 1230 in association with the virtual account usage history is a bus that receives at least one virtual account usage history transmitted from the virtual account management server 1200 from the bus service provider. It is preferable to include an operator terminal (or server) address and communication protocol information for transmitting at least one virtual account usage history from the virtual account management server 1200 to the bus operator server. It is preferable to further include a bus company name or bus company account information corresponding to the bus company.

In addition, the virtual account information stored in the storage medium 1230, which is processed in association with the virtual account usage history, the virtual account number and the bus opened using the vehicle number provided by the bus service provider using the bus service provider account as a parent account. Characterized in that it comprises a business information, the bus service provider information may include the bus company specific information (for example, name, business registration number, address, telephone number, mobile phone number, e-mail address, etc.).

According to another exemplary embodiment of the present invention, the information storage unit 1215 may omit the virtual account usage history in association with the bus operator information and the virtual account information and store the information in the predetermined storage medium 1230. In this case, the virtual account usage history may be transmitted to the bus operator terminal (or server) corresponding to the bus operator through the information transmitter 1210.

The information transmitter 1210 periodically links predetermined virtual account information stored in the storage medium 1230 with the interface unit 1205 (eg, a virtual account number, customer personal information, or customer unique information), And the at least one virtual account usage history information stored in association with the virtual account information (or at least one or more virtual account usage history information confirmed through the information checking unit 1220). Welfare Department and / or local governments) characterized in that the transmission to the institution server corresponding to.

According to an exemplary embodiment of the present invention, the information transmitter 1210 may include predetermined virtual account information (for example, virtual account number, customer personal information, or customer) stored in the storage medium 1230 on a weekly, monthly, or quarterly basis. Unique information, etc.), and at least one virtual account usage history information (or at least one virtual account usage history information checked through the information checking unit 1220) associated with the virtual account information. Bus operator terminal (or server) corresponding to the bus operator (for example, a bus operator terminal (or server) address included in bus operator information stored in the storage medium 1230 in association with the virtual account information). It is preferable to transmit to the terminal (or server) corresponding to.

According to an embodiment of the present invention, the interface unit 1205 contracts with the bus operator terminal (or server) to securely transmit a large amount of virtual account usage history to the institution server corresponding to the institution information through the network means. The communication unit 1210 connects and manages a predetermined communication channel according to the established communication protocol. The information transmission unit 1210 is connected to the virtual account information and the virtual account information according to a communication protocol provided in the interface unit 1205. Processing at least one virtual account usage history information, and transmitting the virtual account information and at least one virtual account usage history information cooperatively processed with the virtual account information to the bus operator terminal or server using the communication protocol; It is preferable.

13 is a diagram illustrating a virtual account operating process according to an embodiment of the present invention.

In more detail, FIG. 13 shows a virtual account using a predetermined vehicle number as a virtual account number through a virtual account opening system shown in FIG. 1 or FIG. 4 after being opened to a bus company applying for the virtual account opening. The bus operator withdraws the amount deposited in the opened virtual account, or processes at least one or more financial transactions (e.g., confirms the deposit amount of the virtual account, includes details) through the opened virtual account, or the opened In the case of processing payment through a virtual account, a predetermined terminal (or server) provided to the bus operator periodically (for example, weekly, monthly, or quarterly) for using a predetermined virtual account corresponding to the opened virtual account. As an implementation method for the process provided by the present invention, those of ordinary skill in the art to which the present invention pertains may refer to FIG. Although it is possible to infer various implementation methods for the process of operating a virtual account using the vehicle number as a virtual account number by modifying, the present invention comprises all the inferred implementation method, as shown in Figure 13 The technical features are not limited only to the implemented method.

Hereinafter, in FIG. 13, the virtual account operating server 1200 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 13, the server is provided with a virtual account ledger corresponding to a virtual account opened by using a predetermined vehicle number as a virtual account number through the virtual account opening system shown in FIG. 1 or 4. In operation 1300, at least one or more virtual account deposit and withdrawal details are extracted from the virtual account ledger corresponding to the opened virtual account.

According to the implementation method of the present invention, the virtual account deposit and withdrawal history corresponding to the virtual account is characterized by including the withdrawal date and time information, withdrawal amount information and withdrawal target information.

Here, the deposit and withdrawal date and time information in the virtual account deposit and withdrawal details, preferably comprises at least one or more information about the year / month / day and hour / minute / second the withdrawal and withdrawal amount from the virtual account.

The withdrawal amount information of the virtual account withdrawal information is an amount of money deposited in the virtual account (for example, a payment amount to be paid from the bus operator account to the virtual account corresponding to the virtual account deposit details, Preferably, the amount includes the amount withdrawn to at least one or more of the withdrawal targets of the bus operator account before the withdrawal from the virtual account.

In addition, the withdrawal target information in the virtual account withdrawal history, it is preferable that the amount deposited in the virtual account includes information for identifying the withdrawn or withdrawn from the bus operator account, or the transfer account.

According to the method of the present invention, the amount deposited in the virtual account is withdrawn from the bus operator account and is assigned to a predetermined financial terminal (for example, an automatic teller machine (ATM) or a cash dispenser; When the withdrawal is made through a CD) including at least one CD), it is preferable that the withdrawal target information includes the financial terminal information.

Alternatively, when the amount deposited in the virtual account is withdrawn from the bus operator account and withdrawn through a predetermined financial institution window, the withdrawal target information is the financial institution window information (or the financial institution window terminal information, or the Financial institution counter staff information).

Alternatively, when the amount deposited in the virtual account is withdrawn from the bus operator account and transferred to a predetermined financial account, the withdrawal target information may include financial account information with the withdrawal amount transferred to the account. .

Alternatively, the amount deposited in the virtual account is withdrawn from the bus operator account by a predetermined payment request to a financial account of the predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). In the case of a bank transfer, the withdrawal target information may include the payment requesting institution information (or the financial account information of the payment requesting institution) in which the withdrawal amount is transferred to the account.

The virtual account deposit history corresponding to the virtual account may include deposit date and time information, deposit amount information, and deposit target information.

Here, the deposit date and time information of the virtual account deposit history, preferably comprises at least one or more of the year / month / day and hour / minute / second when the deposit amount is deposited into the virtual account.

In addition, the deposit amount information of the deposit details of the virtual account, it is preferable to include a traffic fare obtained in a vehicle having a vehicle number corresponding to the virtual account.

At this time, the deposit may be deposited from the driver (eg, bus driver, etc.) who drove the vehicle, and the amount included in the fare settlement collected by the bus operator from the vehicle from the bus operator to the vehicle number. The deposit can be made to the corresponding virtual account.

Thereafter, the server reads the extracted virtual account deposit and withdrawal details and checks at least one virtual account use history information for each of the at least one deposit and withdrawal target for the virtual account (1305).

According to an exemplary embodiment of the present invention, the server may include at least one of a cash terminal (eg, an automatic teller machine (ATM) or a cash dispenser (CD)) in the virtual account. Virtual account deposit and withdrawal history corresponding to one or more financial automated devices, or the virtual account deposit and withdrawal history corresponding to the information of the financial institution window (or the financial institution window terminal information or the financial institution window staff information). Or, it is preferable to check the details of the virtual account usage corresponding to the financial transaction using the virtual account, the virtual account deposit and withdrawal details, etc., wherein the deposit and withdrawal target information corresponds to the financial account information subject to bank transfer.

The server may further include payment requesting agency information (or payment) in which the withdrawal target information of the virtual account withdrawal information corresponds to a predetermined payment requesting institution (eg, online payment merchant or offline payment merchant). The virtual account withdrawal history corresponding to the financial institution information of the requesting institution may be used to check the usage history of the virtual account corresponding to the payment using the virtual account.

If at least one virtual account usage history information for each of the at least one deposit and withdrawal target for the virtual account is confirmed (1310), the server uses the at least one checked virtual account usage history for the bus operator and the virtual account corresponding to the bus service provider. The information is stored in a predetermined storage medium 1230 in association with the information (1315).

Here, the bus service provider information stored in the storage medium 1230 in association with the virtual account service history may be received by the bus service provider for receiving at least one virtual account service history transmitted from the virtual account management server 1200. It may include a bus operator terminal (or server) address.

In addition, the virtual account information stored in the storage medium 1230, which is processed in association with the virtual account usage history, includes a virtual account number opened using the vehicle number provided by the bus company using the bus company account as a mother account. Can be done.

Thereafter, the server checks whether the virtual account usage details are provided to the bus operator terminal (or server) corresponding to the bus operator (1320).

According to an embodiment of the present invention, the server may store predetermined virtual account information (for example, virtual account number, customer personal information, or customer unique information) stored in the storage medium 1230 on a daily, weekly, monthly, or quarterly basis. Etc.) and at least one virtual account usage history information linked to the virtual account information to a bus service provider terminal (or server) corresponding to the bus service provider.

If the virtual account usage history corresponding to the virtual account is not provided to the bus operator terminal (or server) (for example, if the period for providing the virtual account usage history to the bus operator terminal (or server) has not arrived) In operation 1325, the server extracts at least one virtual account deposit and withdrawal history corresponding to the virtual account from the financial system, and checks at least one virtual account usage detail information from the virtual account withdrawal and withdrawal, and then checks the identified virtual account. The process of storing an account usage history in association with the bus operator information and the virtual account information and storing the account usage history in the storage medium 1230 is repeated.

If the history of using the virtual account corresponding to the virtual account is provided to the bus operator terminal (or server) (for example, if the period of providing the history of the use of the virtual account to the bus operator terminal (or server) arrives 1325 The server extracts at least one virtual account usage history information stored in association with the virtual account information and the virtual account information from the storage medium 1230 (1330), the extracted virtual account information, and the Processing at least one virtual account usage history information stored in association with virtual account information corresponding to communication protocol information included in the server and the bus operator information (1335), and processing the processed virtual account information and at least one virtual Bus service provider information including account usage history information included in the bus service provider information through the communication protocol. And transmits it to (or server), the bus operator terminal (or server) corresponding to the address (1340).

Hereinafter, a virtual bus for a predetermined bus operator to pay the natural gas charging fee of the vehicle owned by the bus operator through the virtual account opening system shown in FIG. 1 or FIG. 4 through the drawings shown in FIGS. 14 and 15. After the account is opened, an implementation method of issuing a predetermined gas charging exclusive card to be linked to the opened virtual account will be described.

14 is a diagram illustrating a card issuing system for issuing a gas charging exclusive card to be used for financial transactions or payments in connection with a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 14, a predetermined customer provides a card issuing system through a predetermined card issuing interface to a card issuing system through a virtual account opening system shown in FIG. If the predetermined card issuance application information for the card payment processing associated with the virtual account opened to pay the charging fee, etc. is provided, the card issuing system shown in FIG. As a system configuration for issuing, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the configuration of a card issuing system to be used for financial transactions or payments in connection with a virtual account by referring to or modifying this drawing. Various implementations may be inferred, but the present invention includes all implementations inferred above. The present invention is not limited to the implementation method illustrated in FIG.

Hereinafter, the virtual account is opened to the bus operator who has opened a virtual account corresponding to the bus vehicle owned based on the card issuance application information provided from the customer through a predetermined card issuance interface on the card issuing system shown in FIG. At least one means for issuing a gas charging dedicated card or a component corresponding to the functional configuration is referred to as a "card issuing server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, the virtual account opened through the virtual account opening system shown in FIG. 1 or FIG. 4 is linked to a virtual account opened to pay a natural gas charging fee of the vehicle owned by the bus operator. Card issuing system for issuing a card (for example, gas charging dedicated card, etc.), characterized in that comprises a teller terminal used by the card issuing staff provided with at least one financial institution, or the card issuing system is non- In the case of supporting a face-to-face card issuance application, the bus terminal comprises a client terminal including at least one wired terminal or a wireless terminal used by the bus operator, and the counter terminal or the client terminal is configured through a predetermined network means. A card provided on the card issuing system Issuing server 1400 and the communication channel is connected.

According to one embodiment of the present invention, the customer and the virtual account opened to pay the natural gas charging fee, etc. of the bus vehicle owned by a predetermined bus operator through the virtual account opening system shown in FIG. Visit the financial institution for the associated gas charging dedicated card and charge the gas to be used for financial transactions or payments in connection with the opened virtual account through the window provided at the financial institution (or through the card issuer). Predetermined card issuance application for issuing a dedicated card (e.g., a document having a form for filling in at least one information item for issuing a dedicated gas charging card to be used for financial transactions or payments in connection with the established virtual account) ) Or (the card issuer visits the bus company to To fill out a predetermined card issuance application for issuing a gas charging card to be used for financial transactions or payments in connection with the virtual account opened above), and when the completed card issuance application is submitted to a card issuing officer, The card issuing clerk enters (or selects) the information entered in the card issuing application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the card issuing system through the network means. It is preferable to transmit to the card issuing server 1400 provided in.

Here, the teller terminal preferably comprises a teller terminal used by the card issuing staff provided in the financial institution, the card issuing server 1400 connected to the teller terminal is provided on the predetermined financial system Preferably it comprises a ledger server, wherein the network means for connecting the teller terminal and the card issuing server 1400 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 1400 It is preferable to comprise).

In the card issuing system as described above, a card issuance application prepared by the bus operator, a window terminal used by the card issuing staff, and a financial network connecting the window terminal and the card issuing server 1400 are the bus company. Issuance of a card for registering card issuance application information for issuing a gas charging exclusive card associated with a virtual account opened in correspondence with the bus operator owned bus vehicle through the virtual account opening system shown in FIG. Function of the interface

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the bus operator includes at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. The card issuing server 1400 is connected to at least one client terminal and the at least one user interface provided by the card issuing server 1400 is provided through the virtual account opening system shown in FIG. 1 or 4. When the card issuing application information for issuing the gas charging dedicated card associated with the virtual account opened corresponding to the bus operator owned bus vehicle is inputted (or selected), the client terminal receives the card issuance system through a predetermined network means. It is preferable to transmit to the card issuing server 1400 provided in.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

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

In addition, the client terminal outputs at least one user interface provided by the card issuing server 1400, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 1400. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 1400, etc.) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless network connecting the client terminal and the card issuing server 1400. The card for registering the card issuing application information for the gas charging dedicated card issuing process associated with the virtual account opened corresponding to the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. Perform the function of the issue interface.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 1440 is a predetermined financial network (for example, in addition to the window terminal or the client terminal). Or an automated teller machine (ATM), a cash dispenser (CD) connected to a financial common network, or an automated teller machine (not shown) including a cash dispenser (CD), or a predetermined public telephone network. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. A terminal (or server) (not shown) further comprising a predetermined call terminal (not shown) or provided in at least one or more institutions affiliated with the financial institution. It may further comprise, and to which the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 1440 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( The financial network connecting the card issuing server 1400 with the gas associated with the virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. Performs a function of a card issuing interface for registering card issuance application information for charge-only card issuing processing, or when the card issuing terminal 1440 is the call terminal (not shown), the call terminal (not shown). And a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the card issuing server 1400 to establish a virtual account shown in FIG. 1 or 4. Perform a function of the card issuing interface for registering the card issuing application information for the gas charging dedicated card issuing process associated with the virtual account opened in correspondence with the bus operator-owned bus vehicle through the system, or the card issuing terminal If the terminal (or server) (not shown) provided in an institution affiliated with the financial institution (1440), the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card The network connecting the issuing server 1400 is a gas charging exclusive card issuing process associated with the virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. 1 or 4. Perform a function of the card issuing interface for registering the card issuing application information.

According to the method of the present invention, the card issuing application information is a gas charging dedicated card is issued through the card issuing system shown in Figure 14 (or the bus via the virtual account opening system shown in Figure 1 or Figure 4) Bus company information (corresponding to a virtual account opened in correspondence with an operator-owned bus vehicle, respectively) and a virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. 1 or FIG. It is preferable to include the virtual account information corresponding to the.

Here, the bus company information included in the card issuance application information is unique to the bus company corresponding to the virtual account opened in correspondence with the bus company owned bus vehicle through the virtual account opening system shown in FIG. 1 or 4. It is preferable to include information (e.g., name, business registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the bus from the bus vehicle support provider (e.g., a government agency or a local government) In the case of issuing a predetermined certificate or a predetermined authentication card that proves that the virtual account is a business object to be opened to the business operator, the unique information included in the certificate (or the card) (for example, the serial number (or the unique number included in the certificate) ), Or the card number included in the authentication card).

In addition, the virtual account information included in the card issuance application information, the virtual account corresponding to the virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. It is preferable to include at least one or more numbers, and the virtual account number may be configured to include the vehicle number of the bus vehicle as shown in FIGS. 7 to 11.

The card information D / B 1435 provided on the card issuing system according to the present invention provides a predetermined gas charging exclusive card to the bus operator based on the card issuing application information provided from the card issuing terminal 1440. After issuing, the predetermined gas charging dedicated card information generated in response to the gas charging dedicated card issuing and the bus operator information and the virtual account information included in the card issuing application information, characterized in that the processing by storing.

According to one embodiment of the present invention, the card information D / B 1435 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), In this case, the card information D / B 1435 may be a ledger D / B provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 1435 may be an electronic payment system, an internet banking system, a telebanking system, or a wireless device provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one banking system of a banking system or a TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1435 performs a predetermined information processing function on the card issuing system by using the gas charging dedicated card information, the virtual account information, and the operator information. It is preferable to be provided in a predetermined DBMS (or storage medium) that interoperates with a server (or device), and the location where the card information D / B 1435 is provided may be variously performed according to the intention of those skilled in the art. The present invention is not limited thereby.

The card issuing server 1400 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected with the card issuing terminal 1440 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the card issuing server 1400 is characterized in that it comprises an interface unit 1405 for providing a predetermined card issuing interface to the card issuing terminal 1440 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 1440 is a window terminal connected to a predetermined financial network, the interface unit 1405 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in the card issuing application program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1440 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1405 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 1400, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1405 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 1400, the interface unit 1405 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 14, the card issuing server 1400 is connected with the interface unit 1405 when a predetermined card issuing terminal 1440 is connected to the card issuing server 1400 through the interface unit 1405. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 1440 to provide the card issuing terminal 1440 to the card issuing terminal 1440. 1410 and an information receiving unit 1415 receiving predetermined card issuing application information transmitted from the card issuing terminal 1440 through the user interface in connection with the interface unit 1405. An information generator 1425 for generating predetermined gas charging exclusive card information corresponding to a gas charging exclusive card to be issued to the bus operator based on the received card issuing application information; A card issuing unit 1430 for issuing a predetermined gas charging exclusive card including the gas charging exclusive card information through a predetermined card issuing device, and a gas charging exclusive card corresponding to the gas charging exclusive card issued to the bus operator. And an information storage unit 1420 which stores information in the card information D / B 1435 by linking and processing information, virtual account information, and bus company information.

The interface providing unit 1410 corresponds to a functional configuration provided in the card issuing terminal 1440 when a predetermined card issuing terminal 1440 is connected to the card issuing server 1400 through the interface unit 1405. Input (or select) the card issuing application information to generate a predetermined user interface that can be transmitted to the card issuing server 1400 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 1405 to the card issuing terminal 1440 through the network means.

Thereafter, the card issuing terminal 1440 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server through the network means for the card issuing application information inputted (or selected). Send to (1400).

According to an embodiment of the present invention, when the card issuing terminal 1440 is a window terminal connected to a predetermined financial network, the interface providing unit 1410 may provide a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1440 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1410 may be configured as the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405. Do.

According to another embodiment of the present invention, when the card issuing terminal 1440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

The information receiving unit 1415 inputs (or selects) predetermined card issuing application information from the card issuing terminal 1440 through the user interface and transmits the information through the network means, and interlocks with the interface unit 1405. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 1425.

According to the method of the present invention, the card issuing application information is a gas charging dedicated card is issued through the card issuing system shown in Figure 14 (or the bus via the virtual account opening system shown in Figure 1 or Figure 4) Bus company information (corresponding to a virtual account opened in correspondence with an operator-owned bus vehicle, respectively) and a virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. 1 or FIG. It may include a virtual account information corresponding to the.

Here, the bus company information included in the card issuance application information is unique to the bus company corresponding to the virtual account opened in correspondence with the bus company owned bus vehicle through the virtual account opening system shown in FIG. 1 or 4. It is preferable to include information (e.g., name, business registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the bus from the bus vehicle support provider (e.g., a government agency or a local government) In the case of issuing a predetermined certificate or a predetermined authentication card that proves that the virtual account is a business object to be opened to the business operator, the unique information included in the certificate (or the card) (for example, the serial number (or the unique number included in the certificate) ), Or a card number included in the authentication card).

In addition, the virtual account information included in the card issuance application information, the virtual account corresponding to the virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. It is preferable to include at least one number, and the virtual account number may be configured to include the vehicle number of the bus vehicle as shown in FIGS.

The information generating unit 1425 generates predetermined gas charging exclusive card information to be provided in the gas charging exclusive card to the bus operator based on the card issuing application information received through the information receiving unit 1415. It is done.

Here, the gas charging dedicated card information is characterized in that it comprises a predetermined gas charging dedicated card number, and additionally the gas charging dedicated card validity period or the bus vehicle support fund providing institutions (for example, government agencies or local governments, etc.) It is preferable to further include information specific to the bus company (or bus vehicle) assigned to the bus business owner (or each vehicle owned by the bus business owner).

When the predetermined gas charging exclusive card information included in the gas charging exclusive card is generated by the information generating unit 1425, the card issuing unit 1430 may provide the gas charging exclusive card information through a predetermined card issuing device. It is characterized in that for producing a gas filling dedicated card (or having the gas charging dedicated card information in the gas charging dedicated card), the gas charging dedicated card is provided (or shipped) to the bus operator.

If the gas charging dedicated card is an MS (Magnetic Stripe) card, the card issuing device is dedicated to the gas charging to at least one or more MS tracks (eg, track I, track II, track III) included in the gas charging dedicated card. It includes a device for recording card information, wherein the information generating unit 1425 generates the gas charging dedicated card information in a data structure that can be recorded on at least one or more MS tracks, and the card issuing unit 1430 By recording the gas charging dedicated card information on the at least one MS track through the card issuing device, a predetermined gas charging dedicated card to be issued to the bus operator is issued.

Or, if the gas charging dedicated card is an IC (Integrated Circuit) card, the card issuing device comprises a device for recording the gas charging dedicated card information in a memory provided in the IC chip of the gas charging dedicated card, At this time, the information generation unit 1425 generates the gas charging dedicated card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, the card issuing unit 1430 issuing the card By recording the gas charging dedicated card information in the memory of the IC chip through a device, a predetermined gas charging dedicated card to be issued to the bus operator is issued.

The gas charging dedicated card manufactured as described above is provided to the bus operator or is delivered to the bus operator according to a predetermined card providing procedure, and the bus operator then transfers the issued gas charging exclusive card to the corresponding bus. It is used when filling gas.

Thereafter, the information storage unit 1420 stores the gas charging dedicated card information generated through the information generating unit 1425 and the card issuing application information received from the bus operator through the information receiving unit 1415. The virtual account information and bus operator information included in the link process are stored in the card information D / B 1435.

15 is a diagram illustrating a gas issuing exclusive card issuing process to be used for financial transactions or payments in connection with a virtual account corresponding to a predetermined bus vehicle according to an embodiment of the present invention.

In more detail, in FIG. 15, a bus service provider who opens a virtual account corresponding to the bus operator owned bus vehicle through the virtual account opening system shown in FIG. A card issuing server to the card issuing server 1400 through a predetermined card issuing interface (e.g., a card issuing application, a counter terminal and a network means, or a client terminal and a network means including at least one wired or wireless terminal). When providing predetermined card issuing application information for issuing a gas charging dedicated card associated with the virtual account to the 1400, the card issuing server 1400, the bus operator owned bus vehicle based on the provided card issuing application information For the process of issuing a gas charging card associated with a virtual account opened in response to As one of ordinary skill in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to or modifying this drawing 15, but the present invention is inferred by the present invention. All the methods are included, and the method is not limited to the embodiment shown in FIG.

For example, in FIG. 15, after the gas charging dedicated card is manufactured and provided (or shipped) to the bus operator, the card information D / B 1435 includes predetermined gas charging dedicated card information, virtual account information, and bus operator. Although illustrated as storing information, the process of storing predetermined gas charging dedicated card information, virtual account information, and bus operator information in the card information D / B 1435 according to the intention of the person skilled in the art is the gas charging dedicated card. Before the production, or after the gas charging dedicated card is produced before being provided (or shipped) to the bus operator may be performed, thereby the present invention is not limited.

Hereinafter, in FIG. 15, the card issuing terminal 1440 shown in FIG. 14 is called "terminal" for convenience, and the card issuing server 1400 is called "server" for convenience.

Referring to FIG. 15, a bus service provider who has opened a virtual account corresponding to the bus company owned bus vehicle through the virtual account opening system shown in FIG. The bus operator may prepare a predetermined card issuance application including predetermined card issuance application information through the card issuance interface, or if the card issuing system shown in FIG. 14 supports a non-face-to-face card issuance application. After inputting (or selecting) predetermined card issuing application information through a predetermined client terminal, the card issuing application information is provided to the server through a predetermined card issuing interface (1500).

The card issuing interface may include a card issuance application prepared by the customer, a teller terminal used by the financial institution employee, and a network means for connecting the teller terminal and the server. When supporting a card issue application in a face-to-face manner, the card issue interface preferably comprises a predetermined client terminal used by the bus operator and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is a gas charging dedicated card is issued through the card issuing system shown in Figure 14 (or the virtual shown in Figure 1 or Figure 4) Bus operator information corresponding to the virtual account opened in correspondence with the bus operator-owned bus vehicle respectively through an account opening system, and the bus company-owned bus vehicle through the virtual account opening system shown in FIG. It is preferable that the virtual account information corresponding to the virtual account opened correspondingly, respectively.

Here, the bus service provider information included in the card issuance application information may correspond to a bus service provider corresponding to the virtual account opened in correspondence with the bus service provider-owned bus vehicle through the virtual account opening system shown in FIG. 1 or 4. It is preferable to include the unique information (for example, name, business registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also in the bus vehicle support provider (for example, government agency or local government, etc.) When a predetermined certificate or a predetermined proof card is issued to a bus company to prove that the virtual account is the target company for opening the virtual account, the unique information included in the certificate (or card) (e.g., the serial number included in the certificate (or unique) Number), or the card number included in the identification card).

In addition, the virtual account information included in the card issuance application information, the virtual account corresponding to the virtual account opened in correspondence with the bus operator-owned bus vehicle through the virtual account opening system shown in FIG. It is preferable to include at least one number, and the virtual account number may be configured to include the vehicle number of the bus vehicle as shown in FIGS.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information, thereby confirming whether it is possible to issue the gas charging exclusive card to the bus operator (1505). ).

Here, the card issuance validity check is the natural gas of the bus operator-owned vehicle through the virtual account opening system shown in FIG. 1 or 4 based on the bus operator information and the virtual account information included in the card issuance application information. It is preferable to include a check whether a virtual account for payment of a charging fee and the like is opened.

If the validity to issue the gas charging dedicated card to the bus operator is not authenticated through the card issuance application information (1510), the server provides card issuance error information to the bus operator through the card issuance interface. In operation 1515, the operation of issuing the gas charging card to the bus operator is stopped.

If the validity of issuing the gas charging exclusive card to the bus operator is authenticated through the card issuing application information (1510), the server is provided to the gas charging exclusive card to be issued to the bus operator based on the card issuing application information. Corresponding predetermined gas filling card information is generated (1520).

Here, the gas charging dedicated card information is characterized in that it comprises a predetermined gas charging dedicated card number, and additionally the gas charging dedicated card validity period or the bus vehicle support fund providing institutions (for example, government agencies or local governments, etc.) ) May further include unique information assigned to the bus company (or each vehicle owned by the bus company).

According to an embodiment of the present invention, if the gas charging dedicated card is an MS card, the generated gas charging dedicated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card. .

According to another embodiment of the present invention, if the gas charging dedicated card is an IC card, the generated gas charging dedicated card information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable.

Thereafter, the server prepares a predetermined gas charging exclusive card having the gas charging exclusive card information through a predetermined card issuing device and provides (or delivers) the predetermined gas charging exclusive card (1525).

According to an embodiment of the present invention, if the gas charging dedicated card is an MS card, the card issuing apparatus may be configured to include at least one MS track (eg, track I, track II, track III) provided in the gas charging dedicated card. It is preferable to include a device for recording the gas charging dedicated card information.

According to another embodiment of the present invention, if the gas charging dedicated card is an IC card, the card issuing apparatus includes an apparatus for recording the gas charging exclusive card information in a memory provided in an IC chip of the gas charging exclusive card. It is preferable to make.

Thereafter, the server associates the generated gas charging dedicated card information with the virtual account information provided from the bus operator through the card issuing interface and stores the bus operator information in a predetermined card information D / B 1435. (1530).

According to an embodiment of the present invention, the card information D / B 1435 is provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), or issuing the card. Preferably, the system is provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the gas charging dedicated card information, virtual account information, and bus operator information on the system.

Hereinafter, when the gas charging of the bus using the gas charging card issued through the card issuing system shown in FIG. 14 through the illustrated drawings, the virtual account associated with the gas charging dedicated card is checked, and the virtual A system and process of payment processing of the gas charge through the account of the account (for example, natural gas charge support deposit account, etc.) will be described.

16 is a diagram illustrating a payment system configuration using a gas charging card according to an embodiment of the present invention.

More specifically, FIG. 16 corresponds to a virtual account opened through the virtual account opening system shown in FIG. 1 or 4, and is provided through a gas charging dedicated card issued through the card issuing system shown in FIG. The present invention relates to a payment system configured to process a gas charging fee of a vehicle. Specifically, the card issuing system stores the information related to the gas charging dedicated card issued in correspondence with the bus vehicle owned by the bus operator through the card issuing system shown in FIG. FIG. 16 illustrates an implementation method in which the storage medium 1630 is provided in the server 1600 shown in FIG.

Persons of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 16 to infer various implementation methods for the payment system configuration using a gas charging card, but the present invention is inferred from the above. It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains, the gas charging of the bus using a gas charging dedicated card issued through the card issuing system shown in FIG. When checking the virtual account associated with the gas charging dedicated card, and infers various implementation methods for payment processing of the gas charging fee through the mother account of the virtual account (for example, natural gas charging amount support deposit account, etc.). It will be appreciated that the present invention encompasses all implementation methods inferred from the above.

Referring to FIG. 16, a payment system using a gas charging card is linked with a virtual account opened in correspondence with each bus vehicle owned by a bus company through the virtual account opening system shown in FIG. 1 or 4. Receiving a payment terminal for the gas charging fee payment processing through the gas charging dedicated card issued in response to the opened virtual account through the card issuing system shown in 14, and receives the full payment approval request transmitted from the payment terminal Read the payment approval request text, read the payment approval request amount and the gas charging exclusive card number, check the virtual account information corresponding to the read gas charging exclusive card number, and link with the confirmed virtual account. Check the mother account (for example, the gas filling support deposit account, etc.) to be used, and through the gas filling support deposit account. The server 1600 for processing the payment approval request amount, the virtual account opened through the virtual account opening system shown in FIG. 1 or FIG. 4 and the virtual issued through the card issuing system shown in FIG. Characterized in that it comprises a financial system provided with a card information dedicated to gas charging associated with the account.

Here, a financial system having a virtual account opened through the virtual account opening system shown in FIG. 1 or FIG. 4, and also equipped with gas charging exclusive card information associated with the virtual account issued through FIG. 14. The detailed description will be described with reference to FIG. 1, FIG. 4, or FIG. 14, and the detailed description of the financial system in FIG. 16 is omitted for convenience.

The payment terminal is characterized in that it comprises at least one or more CAT (Credit Authorization Terminal), POS (Point Of Sales) terminal for processing offline payment using the gas charging dedicated card, the payment terminal is VAN The server 1600 is connected to a predetermined payment network through a value added network.

According to an exemplary embodiment of the present invention, the payment terminal reads predetermined gas charging exclusive card information from the gas charging exclusive card through a predetermined card reader in an offline payment process, and predetermined contents through a predetermined key input device. Input the payment amount corresponding to the gas charging fee, and generates a payment approval request message including the gas charging exclusive card information and the payment amount and transmits it to the server 1600 through the VAN.

According to another exemplary embodiment of the present invention, the payment terminal reads predetermined gas charging exclusive card information (for example, gas charging exclusive card number, etc.) from the gas charging exclusive card through a predetermined card reader during offline payment. And input a payment amount to be processed through the gas charging exclusive card through a predetermined key input device, generate a payment approval request message including the gas charging exclusive card information and the payment amount, and generate the full text through the VAN. Send to 1600.

Those skilled in the art to which the present invention pertains, because they will be familiar with the detailed technical features of the payment terminal and VAN for processing offline payments using the gas charging card, the detailed description thereof is for convenience. Omit.

Referring to FIG. 16 according to an embodiment of the present invention, the server 1600 may include payment information including gas charge-only card information and payment amount from the payment terminal through the VAN (or a communication network supporting an online payment protocol). When the payment approval request message is received through the professional receiving unit 1605 and the professional receiving unit 1605, which receives the approval request message, the gas charging exclusive card information and the payment amount information included in the received payment approval request message are received. An information reading unit 1610 for reading (or checking) and a virtual account checking unit 1620 for checking virtual account information corresponding to the read-out (or reading) gas charging-only card information in association with the storage medium 1640. ) And a mother account verification unit 1630 for verifying information on a mother account (for example, a gas charging fee support deposit account) corresponding to the virtual account information checked through the virtual account verification unit 1620. ), A payment processing unit 1635 for processing the payment amount through the support deposit account, and a predetermined transmission for generating a predetermined payment approval message including the payment processing details and transmitting the message to the payment terminal through the VAN. It is characterized by comprising a part 1615.

The specialized receiving unit 1605 is a gas charging dedicated card information corresponding to the gas charging dedicated card and payment amount to be processed through the gas charging dedicated card from a payment terminal supporting offline payment settlement through the VAN (for example, gas It is characterized in that for receiving the full payment approval request, including the charge amount).

When the payment approval request message including the gas charging exclusive card information and the payment amount information is received through the specialized receiving unit 1605, the information reading unit 1610 is dedicated to the gas charging included in the received payment approval request message. The card information and the payment amount information are read, the gas charging dedicated card information is transmitted to the virtual account checking unit 1620, and the read payment amount information is transferred to the payment processing unit 1635.

According to the exemplary embodiment of the present invention, the information reading unit 1610 may determine that the payment is performed using a merchant code or a gas charging exclusive card included in the payment approval request text in the process of reading the text of the payment approval request. By checking the identification code of the, characterized in that the payment approval request is a full charge of the gas charge using the gas charging dedicated card issued through the card issuing system shown in Figure 14 in accordance with the present invention.

The virtual account checking unit 1620, when the gas charging dedicated card information included in the payment approval request message is transmitted through the information reading unit 1610, the gas charging dedicated card in association with the storage medium 1640. And confirming the virtual account information associated with the information, and the confirmed virtual account information is transmitted to the parent account checking unit 1630.

The mother account checking unit 1630 is connected to the storage medium 1640 to the virtual account information when the virtual account information associated with the gas charging dedicated card information is confirmed and transmitted through the virtual account checking unit 1620. Characterized in the corresponding mother account (eg, gas charging support fund deposit account) information is confirmed, wherein the confirmed gas charging support deposit account information is transmitted to the payment processing unit 1635.

When the payment processing unit 1635 transfers the gas charging support deposit account information corresponding to the virtual account information from the mother account checking unit 1630 and the payment amount information through the information reading unit 1610, It is characterized in that the payment processing through the confirmed payment amount of the mother account.

According to the exemplary embodiment of the present invention, the payment amount is transferred to the virtual account through the payment processing unit 1635 to perform the payment processing on the payment amount, or the payment amount directly through the mother account. Payment processing for may be performed.

According to the method of the present invention, the server 1600, if the payment processing for the payment amount is successfully performed through the payment processing unit 1635, an information storage unit for storing the payment processing details in the storage medium ( 1645 may be configured to further include.

According to the exemplary embodiment of the present invention, the server 1600 checks bus operator information and gas charge amount corresponding to the virtual account processed through the payment processing unit 1635, and checks the confirmed payment processing details. It may be configured to further include an information classification unit (not shown separately) to be classified by business operators.

For example, as shown in FIG. 7B, the information classifying unit may include the account number system of the form “CCC-FFF-DDDDDDDD” as shown in FIG. 7A. Serial number part 8, if the virtual account number system comprises a 14-digit virtual account number system including a predetermined course code or the like, and is applied to FFF ≠ 901, D = serial number and CCC = 560) Recognizing a seat as a vehicle number, by converting some of the numbers included in the recognized vehicle number to the original character, the actual vehicle number can be confirmed.

In addition, the information classification unit, as shown in Figure 7c, the payment is processed virtual account, the vehicle number shown in the Figure 7a, "CCC-FFF-DDDDDDDD" account number system (for example, C = subject code, FFF ≠ 901, where D = serial number and CCC = 560), the virtual account number system consists of a 14-digit virtual account number system including a predetermined course code, and the like shown in FIG. Some number of the vehicle number is used (for example, when the vehicle number “4310” of FIG. 7A uses “6510” as the virtual account number), the first digit of the 8-digit serial number is the virtual account. If the number is composed of a predetermined index that can identify that the virtual account number configured using the vehicle number, and the three digits between the index and the vehicle number consists of a unique identification code assigned by the bus operator, the serial Number two Check the numbers from the fourth spot, you can see the bus operator information corresponding to the identification number in.

The information storage unit 1645 may store, on the predetermined storage medium 1640, payment processing details classified for each bus operator through the information classification unit.

According to the method of the present invention, the server 1600 transmits the information transmission unit 1625 for periodically transmitting the payment processing details stored in the storage medium 1640 to the gas charging support provider terminal (or server). It can be configured to include more.

In this case, the information transmission unit 1625 is characterized in that for transmitting the payment processing history classified by the bus service provider to the gas filling support provider terminal (or server) periodically.

According to the method of the present invention, the server 1600, if the card number included in the full payment approval request is transmitted through the information reading unit 1610, the transferred card number is a bus vehicle according to the present invention It may be configured to further include an information check unit (not shown) for checking whether the support target card number.

The information checking unit, when the card number is a bus vehicle support fund target card number, confirms the virtual account information associated with the card number and the mother account information of the bus vehicle support provider corresponding to the virtual account. It features.

For example, the information checking unit may check whether the card number is a bus vehicle support target card number with reference to the storage medium or ledger D / B.

17 is a view showing the functional configuration of a payment terminal for payment processing through a gas charging card according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates a payment process using a gas charging dedicated card issued in association with a virtual account opened in correspondence with a bus vehicle held by a bus operator through the card issuing system shown in FIG. 14 (eg, gas charging). City, etc.), and a payment terminal configuration for generating a payment approval request message including the gas charging-only card information and payment amount information, and processing the payment, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various embodiments of the present invention may be inferred by referring to or modifying the drawing 17 for configuring a payment terminal function for payment processing through the gas charging dedicated card, the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 17 to provide a Credit Authorization Terminal (CAT), a Point of Sale (POS) terminal, or a financial automation device ( For example, an automatic teller machine (ATM), a cash dispenser (CD), or at least one wired or wireless terminal, a payment terminal equipped with a card reader, or a card reader is provided. The implementation method of applying the functional configuration of the payment terminal illustrated in FIG. 17 to the payment home appliance terminal shown in FIG. 17 may be inferred, and the functional configuration of the payment terminal illustrated in FIG. 17 is not limited to a specific terminal device.

Referring to FIG. 17, a payment terminal (eg, a payment terminal provided in a gas charging station) for payment processing through the gas charging dedicated card basically includes a control unit 1705, a memory unit 1745, and a card interface 1700. ), A key input unit 1715, a screen output unit 1710, a communication unit 1725, a security application module 1730, a print output unit 1735, and a power supply unit 1720 that supplies power to a payment terminal. It is characterized by.

The control unit 1705 controls the overall operation of the payment terminal according to the function configuration, manages the flow of information or data between each component, and manages the components provided in the payment terminal for payment processing through the gas charging dedicated card. And at least one processor, an execution memory (e.g., a register or a random access memory (RAM)), and predetermined data, including a central processing unit (CPU) / micro processing unit (MPU) in hardware. And a bus that inputs and outputs, and is loaded into the execution memory from a predetermined recording medium in order to perform a function specific to a payment terminal in software and is arithmetic processed by the processor. The program routine (Routine) or program data The control unit 1705 is a component that can be processed in software among the functional components provided in the payment terminal for payment processing through a predetermined program or a gas charging card recorded on a recording medium provided in the payment terminal for processing. It is characterized in that it is made to be provided in).

In particular, the controller 1705 is an operating system routine, system management routine, or system stored in a predetermined memory unit 1745 to control and manage the overall operation of the payment terminal after the payment terminal is booted in software. Variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, or an electronic payment service.

The memory unit 1745 stores a predetermined program routine (or code) or program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the payment terminal. A general term of non-volatile memory for storage, and includes at least one or more storage means, including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory) or HDD (Hard Disk Drive), Predetermined program routines and program data (eg, data input or outputted to perform a predetermined function by the program routine) required for the control unit 1705 to perform a predetermined control function are stored.

According to a preferred embodiment of the present invention, the memory unit 1745 preferably stores at least one or more specialized inclusion information for payment processing through a gas charging dedicated card, and the specialized inclusion information is the payment terminal information ( For example, CAT_ID information) or the like is preferably included.

The card interface 1700 provides an interface for reading at least one or more information or data included in a predetermined card in order to realize a payment settlement process through a gas charging exclusive card, and is an ISO / IEC 7810 standard. MS interface that provides an interface between an MS (Magnetic Stripe) card and the payment terminal, or a contact IC interface that provides an interface between the contact IC card and the payment terminal based on ISO / IEC 7816 standard, or ISO / Contactless IC card based on the / IEC 14443 standard and a contactless IC interface providing an interface between the payment terminal is made.

The MS interface is a card interface 1700 based on ISO / IEC 7810, which includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, a magnetized binary). When the MS card on which the data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized in that the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to interface with the payment terminal.

The contact IC interface is a card interface 1700 based on ISO / IEC 7816, which includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. A terminal for supplying power to the IC chip of the IC card through the contact point, and payment information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized by interfacing to.

The non-contact IC interface is a card interface 1700 based on ISO / IEC 14443. The non-contact IC interface includes at least one antenna that makes electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling. It is included, and supplies power to the IC chip of the IC card through the antenna, and interfacing predetermined information or data from the IC chip to the payment terminal through the half-duplex transaction using the APDU It is characterized by.

The key input unit 1715 is a terminal operator from a predetermined key input means including a plurality of number keys, a character key for inputting characters, and a function key. The user inputs corresponding key data generated by clicking a predetermined key to the controller 1705, and the controller 1705 receives the key data input through the key input unit 1715. Read and control a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the payment terminal.

According to the exemplary embodiment of the present invention, the key input unit 1715 performs a function of a key input unit for receiving predetermined payment amount (eg, gas charging fee) information for payment settlement processing through the gas charging exclusive card. It is desirable to.

According to the embodiment of the present invention, the key input unit 1715 may perform a function of a key input means for receiving predetermined identification code information for payment processing through the gas charging dedicated card.

Here, the identification code is information for confirming that the payment processing is a payment processing through the gas charging card according to the present invention, according to an embodiment of the present invention, the payment approval request generated through the payment terminal The identification code may be included in the preamble and transmitted to the server 1600.

The screen output unit 1710 may be a liquid crystal display (LCD) or a CRT (by the control unit 1705) while the payment terminal performs a predetermined function (for example, a payment processing function through a gas charging dedicated card). Cathode Ray Tube) outputs at least one or more information or data which is predefined or defined in real time to be output to a predetermined screen output means including a predefined screen interface, the screen in the payment terminal The predefined information or data to be outputted to the key is key data input through the key input unit 1715 or information (or data) stored or generated by a component included in the payment terminal and the communication unit 1725. Information (or data) transmitted or received through the terminal, or corresponding to a predetermined calculation result performed by the payment terminal (or Data).

According to a preferred embodiment of the present invention, the screen output unit 1710 preferably performs a function of a screen output means for outputting a payment screen for payment processing through the gas charging dedicated card.

The communication unit 1725 is connected to the terminal (or server) or the payment terminal on the network through a predetermined cable in the process of the payment terminal performs a predetermined function (for example, payment processing processing through the gas charging dedicated card). And a predetermined communication means for connecting a communication session with a terminal (or device) or a terminal (or device) connected with the payment terminal through a predetermined short-range wireless communication, and the server 1600 on a wired / wireless network. Network communication unit 1725 for connecting a predetermined communication channel, or a cable communication unit 1725 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, or at least one local area Short-range wireless communication unit 17 for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session via a wireless communication means 17 25), and includes a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit 1725 may be a predetermined wired or mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or connecting a communication channel with a server 1600 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and a modem for hardwarely connecting the payment terminal to a predetermined wired / wireless network. Or a network interface card (NIC), and includes a communication protocol or a driver for software to connect the payment terminal to the wired / wireless network.

The cable communication unit 1725 connects a communication session with a predetermined cable communication terminal (or device) through predetermined cable communication (for example, RS-232c and USB (Universal Serial Bus)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol or driver for the cable communication in software.

When the cable communication terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader according to an embodiment of the present invention, the cable communication unit 1725 includes at least from the cable communication terminal (or device). It is preferable to receive one or more payment target product (or service) information and a payment amount corresponding to the payment target product (or service).

The short range wireless communication unit 1725 may include at least one short range wireless communication means including infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware It comprises a wireless communication module, and comprises a communication protocol or driver for the short-range wireless communication in software.

According to an embodiment of the present invention, when the near terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader, the near-field wireless communication unit 1725 includes at least a distance from the near terminal (or device). It is preferable to receive at least one purchase product information and a payment amount corresponding to the purchased product.

The Secure Application Module (SAM) 1730 (Secure Application Module (SAM)) is a confidentiality (Authentication) or Authentication (Integrity) or required in the process of the payment terminal performs the electronic payment or electronic payment using the card or As a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the payment terminal without using an authentication server (or server 1600) on a network, Encrypt or decrypt certain messages (information or data) that are processed in the course of performing certain security request functions (e.g., electronic payment or electronic payment functions), and add an authenticator that prevents forgery (or tampering) of the messages. Or to store important information in the process of performing the security request function. It shall be.

In general, the security application module 1730 is preferably composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more, more than 2 MIPS (Million Instructions Per Second) It is preferable to include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having high performance.

In addition, the security application module 1730 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) or key required for the payment terminal to perform a predetermined security request function (E.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation command). It is preferable to make it.

The print output unit 1735 may include predetermined information or data (eg, payment processing result information) generated as a result of, or as a result of, the payment terminal performing a predetermined function (for example, a payment processing function through a gas charging dedicated card). Or data) to a predetermined printing apparatus 1740 (for example, a receipt printer), and to print the print information or data through the predetermined printing apparatus 1740 according to a predefined printing form. It consists of a printing protocol and a driver.

Referring to FIG. 17, in the payment settlement process using the gas charging exclusive card, a payment terminal for payment settlement processing through the gas charging exclusive card is shown in FIG. 14 in association with the card interface 1700. A card reader unit 1750 for reading gas charging exclusive card information from a gas charging exclusive card issued in association with a virtual account opened in correspondence with a bus vehicle held by a bus operator through a card issuing system, and the key input unit ( In operation 1715, an information input unit 1755 for inputting a payment amount to be paid by the gas charging exclusive card, and a professional generation unit 1760 for generating a full text of a payment approval request including the gas charging exclusive card information and the payment amount. ) And transfer the generated payment approval request message to the server 1600 through a payment network in association with the communication unit 1725 (eg, a network communication unit). And a payment approval message corresponding to the payment approval request message from the server 1600 through the payment network in connection with the communication unit 1725. It is characterized by comprising a specialized processing unit 1770.

When the gas charging dedicated card is a predetermined MS card, the card reader unit 1750 recognizes the gas charging dedicated card through the card interface 1700 (for example, the MS interface). Predetermined gas charging card information (eg, gas charging card number) from the MS provided in the gas charging card issued in association with the virtual account opened in correspondence with the bus vehicle held by the bus operator through the card issuing system Characterized in that reading.

When the gas charging dedicated card is a predetermined IC card, the card reader unit 1750 may recognize the gas charging dedicated card through the card interface 1700 (eg, a contact IC interface). In connection with 1715, a PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 1715 and transmitted to the IC card through the card interface 1700 to transmit the IC card. A process of verifying confidentiality, authentication, integrity, and nonrepudiation of the card), and if the IC card validity is authenticated, the card issuing system shown in FIG. Through the IC chip installed in the gas charging card issued in connection with the virtual account opened in response to the bus vehicle owned by the bus operator, A characterized in that the reading.

According to another exemplary embodiment of the present invention, the gas charging dedicated card information may be keyed through the key input unit 1715, and thus the present invention is not limited thereto.

The information input unit 1755 is connected to the key input unit 1715 to receive a payment amount to be processed through the gas charging dedicated card.

According to an embodiment of the present invention, the information input unit 1755 may receive predetermined identification code information for payment processing through the gas charging exclusive card in conjunction with the key input unit 1715. The identification code is information for confirming that the payment processing is a payment processing through the gas charging card according to the present invention. The server 1600 is included in the payment approval request text generated through the special generation unit 1760. Can be delivered.

When the predetermined gas charging dedicated card information is read through the card reader unit 1750, and a payment amount is input through the information input unit 1755, the professional generation unit 1760 generates the gas charging dedicated card information and payment. Characterized in that the payment approval request text including the amount and at least one or more information including the information stored in the memory unit 1745 (or an identification code (or information) input through the information input unit 1755) .

When the payment approval request text is generated, the text transmission unit 1765 connects the generated payment approval request text with the communication unit 1725 (network communication unit) in connection with the communication unit 1725 (network communication unit). It transmits to the server 1600 corresponding to the gas charging card through the network.

Thereafter, the specialized processor 1770 checks whether a payment approval message corresponding to the payment approval request message is received from the server 1600 through the payment network in connection with the communication unit 1725 (network communication unit). When the payment approval message corresponding to the payment approval request message is received from the server 1600 through the payment network, the payment processing details included in the payment approval message are output through the screen output unit 1710, Alternatively, the printing may be performed through the print output unit 1735.

18 is a diagram illustrating an operation process of a payment terminal according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates a payment process using a gas charging exclusive card issued in association with a virtual account opened in correspondence with a bus vehicle held by a bus operator through the card issuing system shown in FIG. And the like), which relates to an operation process of a payment terminal for generating a payment approval request message for payment processing in a mother account (for example, a fund deposit account, etc.) associated with a virtual account corresponding to the gas charging dedicated card, and processing the payment. In the payment terminal shown in FIG. 17, a payment approval request message including a gas charge-only card information read from the gas-charge-only card and a payment amount to be processed through the gas-charge-only card is generated and used for payment processing. It shows the process to use.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 18 to infer various implementation methods for the configuration of a payment terminal function for payment processing through the gas charging card. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 18, the payment terminal shown in FIG. 17 is a gas issued to the customer through the card issuing system shown in FIG. 14 through a predetermined card reader for payment processing through the gas charging dedicated card. The charging-only card information is read (1800).

According to an embodiment of the present invention, when the gas charging dedicated card is a predetermined MS card, the payment terminal recognizes the gas charging dedicated card through a predetermined card reader, the card issuing system shown in FIG. It is preferable to read predetermined gas charging exclusive card information from the MS provided in the gas charging dedicated card issued in association with the virtual account opened corresponding to the bus vehicle held by the bus operator.

According to another embodiment of the present invention, if the gas charging dedicated card is a predetermined IC card, the payment terminal is a predetermined key input provided in the payment terminal when the gas charging dedicated card is recognized through the card reader. A PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 1715 and transmitted to the IC card through the card interface 1700). A procedure for verifying confidentiality, authentication, integrity, and nonrepudiation of the IC card), and if the IC card is validated, the card issuing system shown in FIG. Through the IC chip provided in the gas charging card issued in connection with the virtual account opened in response to the bus vehicle held by the bus operator, It is preferable to read the credit card information.

According to another exemplary embodiment of the present invention, the gas charging dedicated card information may be keyed through a predetermined key input means provided in the payment terminal, and the present invention is not limited thereto.

Thereafter, the terminal checks whether a payment amount to be processed for payment through the gas charging card is input in connection with the key input unit 1715 (1805).

According to an embodiment of the present invention, it is preferable that the payment terminal checks whether a predetermined payment amount of a customer payment means is input through a predetermined key input means.

If the customer payment means payment amount is confirmed (1810), the payment terminal generates the full payment approval request information for the gas charging dedicated card information and payment amount information (1815).

In this process, the payment terminal further adds at least one or more specialized inclusion information stored in the memory of the payment terminal or a predetermined identification code (e.g., an identification code to confirm that the payment is made using a gas charging card) to the payment approval request message. Can be included.

If the payment approval request message is generated (1820), the payment terminal transmits the payment approval request message to the server 1600 corresponding to the customer payment means through a predetermined payment network (1825).

According to an embodiment of the present invention, when the payment terminal processes an offline payment, the payment terminal transmits the full payment approval request card through the payment network including a value added network (VAN). It is preferable to transmit to the server 1600 corresponding to the virtual account associated with the gas charging dedicated card).

Thereafter, the payment terminal periodically checks whether a payment approval response message including payment processing details corresponding to the payment approval request message is received from the server 1600 through the payment network (1830).

If the payment approval response message is received through the payment network (1835), the payment terminal outputs a screen of payment processing details (for example, payment approval details or payment error details) included in the received payment approval response message. It outputs through a means, or outputs via the predetermined printing apparatus 1740 (1840).

19 is a diagram illustrating a payment processing process using a gas charging card according to an embodiment of the present invention.

In more detail, the drawing 19 is processed through a virtual account opened through the virtual account opening system shown in FIG. 1 or 4, and is provided through a gas charging dedicated card issued through the card issuing system shown in FIG. Regarding the process of payment of gas charging fee of the vehicle, those skilled in the art to which the present invention pertains, various embodiments of the payment processing process using the gas charging dedicated card by referring to or modifying this drawing 19. The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the server shown in FIG. 16 will be referred to as "server" for convenience, and the payment terminal shown in FIG. 17 will be referred to as "terminal" for convenience.

Referring to FIG. 19, a payment approval request message including a gas charging exclusive card information and a payment amount is generated through the process of FIG. 18 in the terminal illustrated in FIG. 17, and the payment generated from the terminal in the server is generated. Receive the full request for approval (1900).

Then, the server reads the received payment approval request full text to confirm the gas charging dedicated card information and payment amount information included in the payment approval request full text (1905), the payment approval according to an embodiment of the present invention Check whether the request is a payment approval request using a gas charging card (1910).

For example, in the process of reading the full text of the payment approval request, the server checks a predetermined identification code for confirming that the payment is performed using a merchant code or a gas charging exclusive card included in the full text of the payment approval request, and the payment approval request. According to the present invention, it is possible to check whether the gas charging fee is paid using a gas charging card issued through the card issuing system shown in FIG.

As a result of the checking, when the payment approval request is confirmed as the gas charging fee payment using the gas charging card issued through the card issuing system shown in FIG. 14 according to the present invention (1915), the server is connected to the drawing 16. In operation 1920, the virtual account information corresponding to the checked gas charging card information is checked in association with the illustrated storage medium.

In addition, the server checks the mother account information corresponding to the confirmed virtual account information in conjunction with the storage medium (1925), the mother account is a bus vehicle support provider (eg, a government agency or Local governments, etc.) is characterized in that the support fund deposit account opened to support the bus vehicle gas charging amount of the bus company.

When the support fund deposit account information corresponding to the virtual account information is confirmed, the server performs a payment process for the payment amount through the confirmed support fund deposit account (1930), and the payment processing details of the gas charging dedicated card. The information is stored in the storage medium in association with the virtual account information or bus operator information (1935).

Thereafter, the server periodically transmits the payment processing details to the gas filling support provider (1940), and the payment processing history is classified by the bus operator or the vehicle to the gas filling support provider terminal (or server). Is sent.

According to the present invention, by substituting for the gas charging fee of the natural gas bus vehicle of the bus operator using the account for depositing the support fund for the natural gas bus vehicle, the bus operator more conveniently provided by the government agency There is an advantage that can be used.

In addition, the service provider has an advantage in that it is possible to obtain a fee income according to the gas charging fee payment processing.

Claims (1)

The account of the vehicle support provider in which the gas charging support fund for natural gas vehicles owned by the bus operator is deposited as a parent account, and the gas charging support for each natural gas vehicle for each natural gas vehicle owned by the bus operator is confirmed. Open a virtual account that includes a ledger information for withdrawing the gas charging support for each natural gas vehicle from the gas charging support deposited in the mother account, and a virtual account including the vehicle number and the bus company identification code of the natural gas vehicle as the virtual account number. Way; Information extraction means for classifying and extracting a vehicle number and a bus company identification code of the natural gas vehicle from the virtual account number included in the virtual account information when the payment of the gas charging amount through the gas charging support fund for each natural gas vehicle; Information storage means for storing the payment processing details corresponding to the payment processing of the gas charged amount and the bus operator information corresponding to the vehicle number and the bus operator identification code and storing them in a storage medium; And And information transmission means for periodically transmitting the payment processing details, the vehicle number, and the bus company information to the terminal (or server) of the vehicle support provider.

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